Comprehensive Restructuring Initiative For Digital Marketing

TO: Digital Media Marketing & Technical Team

FROM: Gustan Cho Associates

Subject: Strategic Restructuring of Organic Lead Generation Across All Digital Media Marketing Platforms

DATE: May 6, 2025

Dear Team Members,

I am writing to develop a plan to restructure how organic leads are generated in Gustan Cho Associates’ properties. This initiative aims to get maximum unique visitors, enhance conversion rates, and have an integrated digital approach with all our assets properly harnessed.

Current Challenges

We’ve had talks recently that have revealed the following:

• Compared to their colleagues, our technical specialists lack knowledge about the main digital marketing metrics and flows.
• Instead of a unified ecosystem, our websites and social platforms operate in silos.
• There is no common language or reporting structure across teams.
• Our way of generating leads does not exploit the full potential of our vast digital portfolio.

Unified Terminology & Metrics

Let’s ensure we are on the same page when it comes to key metrics driving our strategy:

• Daily Unique Visitors: How many individual users visited sites within one day (StatCounter),
• Impressions: Total times our content appeared for views.
• Conversion Rate: Share of visitors who perform desired actions (submit a form, call, etc.).
• Bounce Rate: The percentage of visitors who leave after viewing only one page.
• Engagement Rate: Level of interaction with our content (comments, shares, time on page).
• Attribution: To filter qualified leads based on where they come from.

Restructuring Framework

Cross-Platform Content Strategy

Each property we own has its target demographic; however, it should be integrated into an overall system.

Gustancho.com – The main audience is general mortgage seekers.

• The core content focus should be educational content and company information.
• Lead capture priority is medium.

gcaforums.com:

• Community engagement and Q&A participants form the primary audience.
• Discussion threads and news updates should be the focus of core content.
• Lead capture is a high priority.

gcamortgage.com:

• The primary audience is direct mortgage applicants.
• Core content should concentrate on product information and application process details.
• Lead capture is the highest priority.

non-qmmortgagelenders.com:

• Its main target audience is non-traditional borrowers, and its core is specialized lending options.
• Lead capture is a high priority.

fhabadcreditlenders.com:

• FHA-focused customers form the primary audience here, and their desire for FHA program details and eligibility information is their core aspect.
• Lead capture priority is high.

preferredmortgagerates.com:

• Rate-sensitive shoppers are preferredmortgagerates.com’s main consumers who want rate comparisons and market analysis to make up most of its content.
• Lead capture priority is medium.

Mortgage Lenders for Bad Credit (https://www.mortgagelendersforbadcredit.com):

• The site’s readership consists mainly of credit-challenged borrowers, and its mainstays are credit improvement resources and specialized products.
• Lead capture is a high priority.

Lending Network, LLC (https://www.lendingnetwork.org):

• It targets partner networks and referrals to whom industry news and partner resources ought to be the nucleus of the site’s content.
• On average, lead capturing has a second-level scale of preference among such setups.

Technical Infrastructure Improvements

Implement unified analytics across all properties with standardized tracking parameters.

• Develop cross-domain user journey mapping to understand multi-touch attribution.
• Create a centralized lead management database integrating all properties.
• Implement consistent UX/UI elements across all platforms while maintaining brand differentiation.
• Optimize page load speeds and mobile responsiveness on all properties.

Social Media Integration Strategy

Each property should have dedicated social channels with cross-promotional capabilities:

Facebook:

• The primary content type should be community building, success stories, and live Q&A.
• The cross-promotion strategy should include sharing website articles and forum discussion highlights.

Twitter:

• The primary content type should be industry news, rate updates, and quick tips.
• The cross-promotion strategy should include links to in-depth articles and forum discussions.

Instagram:

• The primary content type should be visual content, team highlights, and client testimonials.
• The cross-promotion strategy should include stories featuring website resources.

TikTok:

• The primary content type should be short educational videos, mortgage myths, and quick tips.
• The cross-promotion strategy should drive users to specialized landing pages.

LinkedIn:

• The primary content type should comprise industry analysis, company news, and professional resources.
• The cross-promotion strategy must focus on B2B networking and referral partner engagement.

YouTube:

• The main content forms should be tutorials, market analysis, and Q&A sessions.

Cross-promotion:

• The strategy should entail embedding across sites and repurposing for other platforms.

Rumble:

• The primary content type should be alternative content distribution and unfiltered discussions. The cross-promotion strategy should include cross-promoting with YouTube and embedding in forums.

THE DEVELOPMENT OF CONTENT ECOSYSTEM

Create a flow of content across platforms to the strategic funnel:

Awareness Stage:

• Short-form social content (TikTok, Instagram, Twitter).

Consideration Stage:

• Medium-form content (YouTube, forum discussions, blog posts)

Decision Stage:

• Detailed guides on specialized websites, application resources

OPTIMIZATION OF LEAD CAPTURE

• Build comprehensive user profiles by employing progressive profiling across properties.
• Develop specific lead magnets for each segment of the audience.
• Create automated nurture sequences that are tailored to certain user paths.
• Implement AI-powered chatbots for instant engagement throughout sites.

IMPLEMENTATION TIMELINE

• Phase 1 (Weeks 1-4): Technical audit and analytics implementation.
• Phase 2 (Weeks 5-8): Content strategy development and social media channel setup.
• Phase 3 (Weeks 9-12): Lead capture system implementation and integration.
• Phase 4 (Weeks 13-16): Launch, testing, and optimization.

TEAM RESTRUCTURING & RESPONSIBILITIES

Technical Team (Led by Ravinder and Sapna)

• Install analytics infrastructure
• Ensure tracking is done across platforms.
• Optimize technical SEO elements
• Manage website performance and security.

Content Team

• Develop specialized content for each property.
• Create cross-platform content calendars.
• Embed an SEO strategy into the content.

Social Media Team

• Handle platform-specific strategies.
• Deploy cross-promotion between properties.
• Monitor engagement along with community building.

Lead Generation Team

• Designing and optimizing lead capture elements.
• Development of nurture sequences.
• Conversion metrics monitoring.
• A/B testing implementation for ongoing improvement.

TRAINING & KNOWLEDGE SHARING

To address the communication gaps identified:

• Weekly Tech Translation Sessions: The technical team will host weekly sessions explaining key metrics and processes in accessible language
• Bi-weekly Strategy Meetings: All teams will meet to ensure alignment across initiatives.
• Documentation Repository: Creation of a shared knowledge base with standardized terminology,
• Cross-Training Program: Team members will rotate through different specialties for a broader understanding

MEASUREMENT & ACCOUNTABILITY

We will establish a dashboard-based reporting system with:

• Daily metrics tracking unique visitors, conversions, and engagement.
• Weekly performance reviews against established KPIs.
• Monthly strategy adjustment sessions based on data insights
• Quarterly comprehensive performance analysis

NEXT STEPS

Immediate Action: Conduct an extensive audit of the current infrastructure and the technical team’s analytics implementation.

Team Meeting: An all-hands meeting is scheduled for [DATE] to discuss this framework.

Individual Role Clarification: Team leads meet with each member to clarify responsibilities.

Training Schedule: Our first knowledge-sharing session is scheduled on [DATE].

I’d like you to comment, ask questions, or ask for clarification about this restructuring initiative. Please feel free to reply to this email if you need any feedback or further information from me before our next meeting.

Together, we can transform our digital ecosystem into a cohesive, high-performing lead-generation machine that maximizes the potential of all our valuable properties.

Gustan Cho Associates

CC: Gustan Cho, Executive Leadership Team

This flyer below is what our ITIN loans. It compares are different investor criteria. Here are some quick highlights.

• Loan-to-Value (LTV) Options: Multiple tiers available, such as 80% LTV (ALT/80LTV-FULL/85LTV), 75%, and 70%, depending on program type and borrower profile.
• Credit Score Requirements: Minimum FICO scores start at 640 for the WHITE program and 680 for the BLUE program.
• Loan Amounts: Minimum loan amounts are $125,000 (WHITE) and $150,000 (BLUE), with maximums up to $2,500,000 (WHITE) and $1,500,000 (BLUE).
• Income Documentation: No WVOE (Written Verification of Employment) or P&L (Profit & Loss) required for WHITE; DSCR (Debt Service Coverage Ratio) only for BLUE.
• Reserves: Reserve requirements vary, with 6 months typically required.
• Down Payment: Minimum borrower contribution is 5% for primary, 10% for second homes in WHITE; 3% in BLUE.
• Occupancy: Lease allowed up to 120% with proof.
• Geographic Restrictions: Some overlays apply in states like FL, NY, NJ, IL, CT for BLUE.
• Other Features: No mortgage insurance, flexible documentation, and options for both primary and investment properties.

These highlights make the program attractive for borrowers seeking flexible qualification and higher LTVs, especially those who may not meet traditional documentation requirements. For full details, see the attached one-pager.

APB Wholesale: Powering Your Non-QM Success

Key Highlights:

• Lightning-Fast Turn Times: Get decisions in as little as 24 hours!
• Streamlined Approvals: Approval with a simple Skinny File submission.
• Maximize Portfolio Potential: Cross-collateralize up to 25 properties!
• Rural Opportunities: Financing for non-agricultural rural properties.
• Versatile Mixed-Use: DSCR options for 2-8 unit mixed-use properties.
• Flexible Income Docs: P&L accepted with PTIN certified preparer (non-CPA).
• Specialty: Financing available for Condotels and Non-Warrantable Condos.
• Expanding Reach: We work with ITIN borrowers.

Exciting News on the Horizon!

Stay tuned for our upcoming One-Time Close – Construction and Portfolio products!

• This discussion was modified 1 month ago by  Sapna Sharma.
• This discussion was modified 1 month ago by  Sapna Sharma.

ITIN-One-Pager-4.3.25-1.pdf 640 KB PDF - Click to view

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If you were the husband of a beautiful middle-aged wife of 56 years old, but she cheated with the neighbor’s sophomore boy, and to top it off, she got herself pregnant. What would you do? This was a while ago, and I think about it occasionally. The thing that disturbed me was that I walked in on them.

GCA Forums News – National Business & Economic Roundup for Friday, April 18, 2025

Real Estate & Housing Market

Housing Affordability & Cost of Living

• The cost of borrowing has risen due to inflation concerns and volatility, now averaging 7.1%.
• The increased cost of mortgages means house-buying difficulty.
• People buy fewer homes these days due to their limited availability.
• The stagnant supply of homes and the’ constantly low selling rate of current homeowners mean they will likely not go up anytime soon.

Housing Demand vs Supply

The reluctance of existing homeowners to sell harms neutral home price growth. The slowing inventory rate, skyrocketing purchase demand, and constantly decreasing purchasing power raise house prices.

Mortgage Market & Interest Rates

Federal Reserve’s Stance

Jerome Powell made the statement regarding the rate change evaluation that needed to be made on federal funds during the mid-payment period, around a 4.25%-4.5 % pause, with ease. No planned alteration made by them would elevate the economic temperature.

• The rise in movement could lead to worsened inflation and a worsening cost-of-living crisis.
• The rate-lowering movement suffers from potential growth and is deemed short-lived.
• Inflation is being suppressed through tariffs, making their use for driving economic activity questionable.

Political Pressure on the Fed

President Trump’s Open Criticism

Thinking back on the past few months, it’s hard to forget Trump savaging Powell for not lowering interest rates, claiming that “termination can’t come fast enough.” Legal scholars pointed out that the president does not have the power to remove the Fed Chair without cause, which protects the bank’s autonomy.

Economy & Inflation

GDP & Recession Risks

Economists have revised the 2025 GDP growth anticipation to 1.4% at a radically different pace due to recently imposed tariffs and trade disputes. Moreover, the possibility of a recession in the upcoming year has increased to 45%, indicating increased economic turbulence.

Inflation Concerns

Inflation expectations have increased due to recently imposed tariffs. The Consumer Price Index is expected to sit above the Federal Reserve’s 2% deflation benchmark until at least 207. This hindering inflation strangles the Fed’s ability to cut interest rates to foster growth.

Financial Markets Overview

Stock Market Performance

• US stock markets have not been spared from volatility, as traders have been worried about government economic policies and international trade skirmishes.
• The S&P 500 and Dow Jones Industrial Average have been swinging up and down amidst this uncertainty.

Treasury Yields & Precious Metals

Summary of Economic Statement

Economic Indicators

Gold’s value jumps up dramatically as people invest in it. This happens because of inflation and because gold is used as a form of security, which enables people to become wealthier.

Automotive Industry Insight

Market Trend

The automotive industry faces new challenges due to increased vehicle tariffs, negatively impacting production costs.

As a result, inflation is hurting the price of vehicles, which is negatively affecting the demand from customers who want to buy a motorbike or an SUV.

Fleet Sale

Fleet sales in the automobile industry are performing better than rental stations, which have stopped buying vehicles. At the same time, the government and commercial food stores are shutting down due to strict budgeting.

Policy & Governance

Disregarding Sanctuary Cities Policies

• The Justice Department has filed lawsuits against the state of Illinois and the city of Chicago due to their limitations in working with immigration enforcement policies.
• The lawsuits from Mayor Brandon hit hard and highlighted violations of federal immigration policy and interference with enforcement.

Policy Making Diversity, Equitable Inclusion

• Diversity, equity, and inclusion policies for businesses are unused.
• There is much speculation as to why former President Donald Trump is rapidly erasing those and underlining himself, which forces other systems.
• Those actions are viewed critically, as they deepen the void of efforts promoting disproportional representation of different systems of inequality in addressing or joining them.

Business Funding & Lending

Commercial Lending

• Commercial lending continues to tighten as financial institutions become more cautious due to economic risks.
• Businesses face stricter credit policies that impede expansion and investment volumes.

Residential Mortgage Lending

• The residential mortgage sector has slowed as fewer people apply due to high interest rates.
• Licensed professionals report low work volumes, while non-licensed personnel are under heightened rules and supervision.
• The US economy is currently dealing with the aftermath of recently implemented policies such as high mortgage rates, inflation, and strained trade relations.
• The housing market is limited because of low inventory and affordability, while financial markets are strained by investor anxiety, alongside the auto industry grappling with higher production costs.

Legal actions against sanctuary cities highlight the ongoing political schism, while changes to DEI policies continue to reignite the debate.

We are undergoing a period of rapid change and economic uncertainty.

https://www.youtube.com/watch?v=3xQYuUmcGUQ

There’s a video series about several pet monkeys. Little pet monkeys are extremely intelligent and cute.

Considering A Pet Macaque Monkey

Insights, Availability, Costs, and Wisconsin Regulations.

You might think owning a monkey is an interesting idea, especially bear macaw mandrills for pets. These monkeys are known for their extreme intelligence and very sophisticated social customs. Their faces are expressive with distinctive features and immensely playful. Therefore, some people consider them exotic pets. But there is a need to ponder a bit deeper before adopting a pet monkey, particularly a baby macaque monkey. This requires consideration of various important factors, including cost, availability, and legal issues, especially in Wisconsin.

Understanding Macaque Monkeys as Pets

Having a pet monkey is like having a small, adorable friend in your home. These pets are also considered very intelligent. They have sophisticated family structures. Macques live in social groups and engage in various physical and mental activities. Suppose they are kept in a domesticated setting like a house or an apartment. In that case, it’s very difficult to replicate this, which can cause severe behavioral problems. An owner must accommodate a multi-dimensional approach to meeting a Macaque’s needs. People wanting these pets should also be ready for the commitment because pet monkeys, particularly macaques, can live for decades.

Availability and Cost of Baby Macaque Monkeys

Contact trusted breeders or exotic pet shops to buy a pet monkey or baby macaque.

Here are several websites that are useful guides in your search.

Supreme Exotic Animals for Sale:

• This website offers several varieties of baby macaques for sale.
• One of the babies, Lily, is listed for roughly $750.
• supremeexoticanimalsforsale.com

General Monkeys for Adoption:

• Another website offers black long-tail macaques for about $1,200 and pigtail macaques for around $900 to $1,000.
• generalmonkeysforadoption.com

Exotic Animals for Sale:

• Features listings like baby marmosets (pocket monkeys) and squirrel monkeys.
• Prices vary.
• Potential buyers must fill out a request form for specific pricing.

Exotic Animals for Sale:

• Features listings like baby marmosets (pocket monkeys) and squirrel monkeys.
• Prices vary.
• Potential buyers must fill out a request form for specific pricing. ​
• exoticpetsforsale.com.

It’s crucial to note that prices can fluctuate based on factors such as age, health, and monkey rarity. The initial purchase price is just the beginning. Ongoing costs include specialized diets, veterinary care, and suitable housing to ensure the monkey’s well-being. ​

Legal Considerations in Wisconsin

• Before acquiring a macaque monkey, it’s imperative to understand the legal landscape in your state.
• Wisconsin’s regulations regarding exotic pets are nuanced:

Exotic Animals for Sale

• Features listings like baby marmosets (pocket monkeys) and squirrel monkeys.
• Prices vary.
• Potential buyers must fill out a request form for specific pricing. ​
• dinocalifornia.com

Wisconsin Is Watching

General Regulations:

• Wisconsin is among the states with relatively lenient laws concerning the ownership of non-native species.
• Owning a monkey, or almost any other non-native animal species, is currently legal in Wisconsin.

It is among five states:

• Alabama
• Nevada
• North Carolina and South Carolina

The above states are the other states with no bans on owning ‘dangerous’ exotic animals. ​

Check out the link for further information.

• Blackfeminity.com
• Dinocalifornia.com

Wisconsin Watch: Animal Law

Importation Requirements:

• A General Import Permit application is necessary if the animals are privately owned and relocated to Wisconsin.
• Different permit applications exist for some animals, such as those in a rodeo, circus, or menagerie visiting Wisconsin briefly.

Restrictions on Local Ordinances:

• While state laws may allow certain exotic animal ownership, local city or county laws might be more restrictive.
• You should check with local authorities to ensure you abide by all relevant laws.

Perspectives From Current Monkey Owners

The following information may be helpful for current pet owners of monkeys:

Social Media Groups:

• Facebook has groups that serve as communities where enthusiasts and owners can share experiences.
• For instance, one user posted about some ‘adorable’ capuchin monkeys for sale, and comments highlighted how sweet and playful they are.

Educational Videos:

Some mini-documentaries feature “pet monkeys,” showing how smart and charismatic they can be. One video of a pet monkey named “Lilly,” who lives in Vietnam, shows how much love this monkey has for her owner. It is as if she is a mother to a young child.

Ultimately

As tempting as it may be to own a baby macaque monkey, proper research and preparation is advised:

Ongoing Responsibility:

• Macaques regularly need your attention, time, and resources.
• Their care is complex, and their lifespan can reach several decades.

Moral and Legal Duty:

• Ensure that, at the first stage, owning a macaque will adhere to all legal terms.
• Remember the moral issues for keeping a wild animal as a pet.

World Population Review

Other types of engagement:

• If ownership appears difficult, consider donations to primate rescue facilities or volunteer activities that allow hands-on involvement without requiring permanent placement.

To sum up, some pet owners may find it rewarding on some level to have pet macaque monkeys, but they need to be mindful of the obligations and difficulties that come with it. Those willing to leap should know and be ready to tackle these issues for harmonious coexistence with their primate pet.

They are no different than having a little kid that normally behaves. Each pet monkey has its own personality. Anyone raise a pet monkey? Watch this short video. The owner of Lilly lives in Vietnam. This video will make your day. 😍

https://youtu.be/HhVmi-if1yU?si=RY380dlthSfvqHsY

• This discussion was modified 3 months, 1 week ago by  Gustan Cho.

Where can you legally depose dog feces? In the garbage bag for the garbageman to take? Where do dog kennels depose of dog feces?

Does Google penalize website ownersusing Artificial Intelligence for content on their blogs? How can you use Artificial Intelligence to create content for your blogs? What is the best AI you can use for your blogs where that blog with get indexed and rank on first page on Google as well as other search engines? Can you please go over three different types of case scenarios where you can generate content that gets indexed and ranked using Artificial Intelligence?

John (Cougar) Mellencamp (born October 7, 1951), previously known as Johnny Cougar, John Cougar, and John Cougar Mellencamp, is an American musician, singer-songwriter, painter, actor, and film director. He is known for his catchy, populist brand of heartland rock, which emphasizes traditional instrumentation. Mellencamp rose to fame in the 1980s while “honing an almost startlingly plainspoken writing style” that, starting in 1982, yielded a string of Top 10 singles, including “Hurts So Good”, “Jack & Diane”, “Crumblin’ Down”, “Pink Houses”, “Lonely Ol’ Night”, “Small Town”, “R.O.C.K. in the U.S.A.”, “Paper in Fire”, and “Cherry Bomb”. He has amassed 22 Top 40 hits in the United States. In addition, he holds the record for the most tracks by a solo artist to hit number one on the Hot Mainstream Rock Tracks chart, with seven. Mellencamp has been nominated for 13 Grammy Awards, winning one. His latest album of original songs, Sad Clowns & Hillbillies, was released on April 28, 2017 to widespread critical acclaim. Mellencamp has sold over 30 million albums in the US and over 60 million worldwide.
In this early TopPop video recorded in the Netherlands on May 20, 1978, he is 26 years old.
Broadcast date: 20 May 1978

https://youtu.be/H9a6CmzbZy8?si=KTIoljdI3Dyw6X_s

Comprehensive National Daily Headline News for Monday, January 13th 2025, with a special detailed update of California Pacific Palisades Fire, Unemployment, Economy, Bankruptcy, and Politics. Life is celebrated when folks get a fresh start. Starting January 13, 2025, you need to focus on national news, such as the Palisades Fire in California. You should also follow up on the status of the unemployed, the economy, bankruptcies, and cabinet confirmations in politics.

Several LA County Fire

Los Angeles Fire Department specialists have categorized The Palisades area fire as ‘incredibly life-threatening.’ This has shocked them in their long history of combating fires. Some believe it is the tip of the iceberg. It is still burning schools, hospitals, forests, and everything in its way.

Latest Updated Data of The Pacific Palisades Wildfire

Wherever we look, it is still on track to destroying something else. That being said:

• Burned Area: 23,713 acres
• Fatalities: A confirmed 24 lost their lives, 8 with positive evidence attributing to the Palisades Fire.
• Structures Affected: Combating this fire has led to 5,300 structures being destroyed and counting.

Evacuations

Over 150,000 have been evacuated, and no casualties have been reported during this palmer calamity.

Escalating Santa Ana winds have challenged containment strategies for the wildfire. It is reported that New Year’s Eve fireworks could have sparked it, which combined with existing high winds and was further exacerbated by drought conditions. Firefighting activities are being obstructed by the winds, and the cause is currently under investigation.

The damage estimates are unfathomable, and the economic impact is immense. Federal aid and international assistance are being organized, and multiple organizations and even celebrities have pledged their donations to the relief efforts.

Although there are notable concerning factors, the unemployment rate is observed at a low 4.2%. Further, it remains steady, showing growth in sectors such as technology and healthcare. This, combined with the GDP growth of a moderate 2.5% during the end of Q4 in 2024, signals growth for the American economy. With this being said, inflation is still a problem, as it has seen year-over-year growth of 3.8%, raising concerns over consumer purchasing power. As analysts have pointed out, while the economy is growing, labor shortages and disruptions in the supply chain create challenges.

Retail Sales

A reputable department store chain has declared Chapter 11 bankruptcy due to high demand and competition from online shops. Many companies are filing for bankruptcy due to the current economic conditions.

Energy

An average-sized oil and gas company went bankrupt due to persistently low oil prices and telescope-high debt levels.

Such events reflect ongoing struggles in the retail and energy industries to adopt more modern retailing forms and restructuring discussions.

Cabinet Confirmations

Trump’s cabinet selections have started their confirmations in the Senate:

• Secretary of State: There seems to be a broad consensus regarding Marco Rubio, which means he will be confirmed.
• Secretary of Defense: Unlike Marco, Hegseth’s nomination is challenging due to his sorely lacking defense experience and controversial beliefs.

Other Nominations

• Gabard and RFK Jr. nominees are also being considered.
• Hearings are scheduled for January 14th—16th.
• Senators of the Republican Party will control the majority.
• This will be important for those who have not been confirmed.
• Nominees will have strong opposition from within the party.

Politics

Latest political developments

Donald Trump’s court battle:

• As an update, former President Donald Trump is now “unconditionally discharged” in his fraud case, meaning he serves no prison time, fines, or community service.
• His sentencing ban includes any ownership of firearms.
• Furthermore, he is required to submit a DNA sample.
• His status as a convicted felon still stands.

Special Prosecutor Report:

• A federal court has approved the publication of the special prosecutor’s report about the subversion of the election and the riots of January 6.
• He has given Trump a 3-day window to contest this in the Supreme Court.

Public Perspective

Trump supporters and opposing citizens of Trump appeared to be very divided outside the courthouse.

These issues raise concerns about Trump’s sustained efforts to achieve his 2nd office term. Kindly note that the picture, particularly regarding the wildfires, is developing very fast. For specific information, always rely on reporters and official sources.

https://www.youtube.com/watch?v=E0x6x7OlR6Q

youtube.com

The Five 1/13/25 | Breaking Fox News Today January 13, 2025

The Five 1/13/25 | Breaking Fox News Today January 13, 2025

How Large Do German Shepherd Dogs Get? Can you please detail the size of males and female German Shepherds on how large they get compared to their age? For example, a chart how much a male German Shepherd dog weighs at three months, six months, nine months, twelve months, 18 months, 24 months, 30 months, 36 months. The same with female German Shepherd dogs. How much does a female German Shepherd dog weigh at three months, six months, nine months, twelve months, 18 months, 24 months, 30 months, 36 months. When is a German Shepherd dog fully grown and when do they reach full maturity level? Thank you in advance.

Daily Mortgage and Real Estate News for Wednesday, January 8th 2025:

By January 8, 2025, there are outstanding changes in the United States mortgage, real estate, and business sectors:

Updating about Mortgage Rates:

Current Rates:

• The average rate for a 30-year fixed mortgage is approximately 6.91%, marking the highest rate since July 2024.

Projections:

• Fixed mortgage rates will not fall until next year, as forecasted by analysts, averaging around 6.4% for 2025.
• This is slightly lower than the annual average of 6.7% last year but still above that historic average between this year and the past six years (2013-2019), which was less than or equal to 4 percent.

Housing Market Trends:

Home Prices:

• Nationally, home prices are projected to rise 3.7% in 2025, followed by 4% in 2024 and 1.1% in 2023.
• This trend will continue due to limited housing inventory and sustained demand.

Sales Activity:

• Existing home sales are expected to increase by about a half percentage point, or nearly one hundred thousand homes, to as many as four million units.
• This is far below the historical annual mean level within our analysis period – eight years (this decade).
• Besides, the housing supply may improve compared with last year’s data, including more new house constructions anticipated to total over a million units.”

Regional Insights:

Hudson Valley, New York:

• A luxurious manor in Hyde Park, initially valued at $45 million in 2021, has been resubmitted for sale at $11.25 million after three years of futile attempts to sell it.
• The considerable price reduction highlights the difficulty encountered in the upper-end real estate industry.

Banking and Financial Services:

TSB Bank Initiative:

• TSB has launched a new 5&5 mortgage scheme that gives tenants a 5% reduction on their first home, provided they put down a minimum 5% deposit.
• This initiative is intended to help renters buy the homes they are already living in, remove any complexities landlords could encounter while selling them off, and offer affordable housing alternatives as property prices rise.

Economic Indicators:

Stock Market Movements:

• On January 8, 2025, the U.S. stock futures are moving downward following a tech sell-off, with NASDAQ, S&P 500, and Dow Jones trending slightly lower.
• Hence, markets and federal agencies will be closed tomorrow for the funeral of former President Jimmy Carter.
• Moderna stock is climbing on expectations of a bird-flu vaccine after the first U.S. death from the disease was reported.
• Bitcoin and crypto stocks are falling as a strong labor report diminishes hopes of Federal Reserve rate cuts.
• Palantir Technologies’ shares continue to decrease because analysts are worried about its high valuation despite its good performance in 2024.

Challenges in Homeownership:

Affordability Issues:

• A twenty-six-year-old Perth resident earning $80,000 per annum experienced difficulty making his loan repayments when he initially could afford them easily.
• When his fixed-rate time lapsed, he had to tune into repayment that became highly increased—having to sell personal things to ensure payment was made regularly.
• This shows how many property owners feel financial pressures due to rising costs plus interest rates.

Market Outlook:

The mortgage and real estate market is characterized by higher mortgage rates, increasing home prices, and a greater focus on affordability and economic indicators. Prospective buyers and sellers should follow these trends to make wise decisions.

Here is a link about an economist aggressively forecasting mortgage rates will drop under 4% in 2024. Could 2024 be a bull market for loan officers? Out of 150,000 loan officers, close to 100,000 either left the mortgage industry completely, retired early, or let their NMLS licenses expire and are in a different industry or thinking about going into a different industry. Hundreds if not thousands of mortgage companies, whether they are mortgage bankers, correspondent lenders, or mortgage brokers went out of business in 2023

https://youtu.be/aWePq5–Seg?si=L2Q_8ad8MFchhyuK

Mortgage Rates forecasted to plummet under 3% according to Business Insider Economis

https://www.businessinsider.com/fed-rate-cut-outlook-economy-recession-forecast-2024-inflation-ubs-2023-12

businessinsider.com

The Fed will lower interest rates under 3% as a mild recession leads to a 'soggy 2024,' UBS chief economist says

"We think we're going to end up with a relatively soggy 2024 when we look back at the end of next year."

Will history repeat but with different reason ?? Thoughts on how real estate agent commissions affect price of property these days and what future holds !!

Why is it that lenders are quoting different mortgage interest rates on FHA loans? Isn’t FHA loans backed by the federal government. Shouldn’t all government loans have a uniform mortgage rates?

Hi just wanted to ask if a borrower can qualify for FHA loan less than a year on her CH 13 repayments?
Thank you

About time

Home prices in Chicago South Loop are plummeting. Sellers are lowering prices and offering incentives. This correction is continuing throughout the city and Suburbs. Expect the downturn to continue in Chicago and other cities. Stay tuned

Thousands of Loan Officers and Real Estate agents are leaving the Mortgage and housing industries. Every professional in the housing industry is going through a hard time including Loan Officers, Realtors, Auto Salesman, Attorneys, Appraisers, Home Inspectors, and third party professionals. Banks, credit unions, and other creditors are not extending credit to commissioned mortgage and real estate professionals due to volatile mortgage markets. The 10 year treasuries keep on skyrocketing without any signs of correction. Mortgage Rates on government loans are 7.5% for 730 credit score borrowers and conventional loans have Rates over 8% for 700 plus credit score borrowers. With surging inflation and out of control mortgage rates many homebuyers are priced out of the housing market. Thousands of Loan Officers and Realtors including owners of mortgage companies and real estate brokers are leaving the business or closing their doors. What business is the best business to get into if you were to leave the mortgage industry or real estate industry for those who have been in the industry for years or decades?

This is a quick synopsis of what you absolutely need for and manufactured, mobile, or modular home purchase or refinance.
1. Freddie Mac, Fannie Mae, FHA, VA: The manufactured home must have been built on or after June 15, 1976. For single-wide & double-wide manufactured homes.

2. It must be Real property (A clear chain of tile) The home cannot reside in a mobile home or RV park. It must be fixed to a concrete slab (slab on grade) by hurricane straps or wire ties. If fixed to pylons, you must ensure the appraiser notes how the home is fixed.

3. Engineering Certification. This must have been completed by the original owner or any previous owner. If there is no engineering certification, this will need to be done before closing. Schedule this at the same time you schedule the 1004C appraisal.

4. Make sure the realtor, homeowner, or appraiser locates the data plate from the manufacturer. This is crucial. If this cannot be found the homeowner should have a copy of the original closing docs, which will likely have the data plate serial number. If not, check with the title company, they may be able to locate it through title records. If that does not work , your last hope is with the county records.

4. All manufactured, mobile or modular homes can only be approved with a 20-year term. NO EXCEPTIONS! When entering data into your LOS, you set the term as custom (20 years).

Modular Homes: Modular homes must have an additional egress (Exit) other than the stairway if the home has a basement. The modular home must sit on a seal plate.

If you have all of these must-haves accounted for, you will have a much better chance to get a CTC.

Let’s Make Your Mortgage Work For You!

• This discussion was modified 5 months ago by  Sapna Sharma.

Is it possible to alleviate your monthly debts without having to sell your home or refinance with another 30 year mortgage even if you have significant mortgage balance and credit card debt?

Hard money loans in Utah will go up to 75% LTV while other states is 70% LTV.

Scenario: Borrower wants to do a Cash-out refinance. Property worth is $350K and she owes $157K.

Rocket Said that they can do a Refi Debt Consolidation in August.

Issue: Mortgage late: 08/2022

Recent Lates: 06/23 (2 tradelines)

Open Tradelines: 3 (car, and 2 CC)

FICO: 459

Thank you

There are certain states that you cannot do NO-DOC Loans. Anyone know what states you cannot do no-doc loans.

Many borrowers are faced with resolving Cairvrs fails in the mortgage process. As of July 2022 the Department of Education restructured the way derogatory debt is handled. Most borrowers had their Caivrs “lifted” and were able to move forward. For those in serious default, they should reach out to the Department of Education and request a payment plan that will go into effect after the forbearance is ended. The representative will request information and may require a fax confirmation of the agreement. Once received and processed, the account will no longer be in default.

This is a marked change from the 9 month rehab programs that were previously required. I assume there will be additional changes as Covid remediation winds down, so borrowers should take advantage of relaxed guidelines now.

• This discussion was modified 2 years, 3 months ago by  Eric Jeanette.

I know it can be stressful when selling and then buying a home on the same day. The concern is when you need the down payment from the sale of the one home to help buy the other one. How does this work?

I have a client with multiple 60 day lates on a mortgage in last 24 months prior to filing a chapter 13 bankruptcy..

If the mortgage is in the chapter 13 are those 60 day lates excluded from the manual underwriting guideline rule of no more than 2X 30 day lates on an installment loan last 24 months?

• This discussion was modified 5 months ago by  Sapna Sharma.

What is Stopping You From Buying Your First Home This Year?

Prices? Interest Rates? Inventory? Something else?

Let’s discuss

Is Kamala Harris the best candidate The Democrats have to face former President Donald Trump for 2024 Presidential Election? Are the Democrats that desperate of having a semi-descent candidate for President? Do Democrats think the American people are that stupid? Do Democrats need to name Kamala Harris, the person who slept her way up the political latter? Kamala Harris slept with former San Francisco Mayor Willie Brown to kick off her political career. Kamala Harris is not too smart. Many people cannot believe how she even became a lawyer let alone District Attorney of San Francisco, Attorney General of California, United States Senator, and Vice President of the United States. Now she is running for President? OMG. What has Kamala Harris ever achieved in her political career. Watch this video clip about Kamala Harris.

https://www.youtube.com/live/RcsRfo16ZC8?si=gFA0rsAlw8iu0KLU

There’s a whistleblower who came up that ABC NEWS and Kamala Harris cheated on Tuesday’s Presidential debate.

https://www.youtube.com/live/DqVrnTP7vSM?si=vj-wcq6-NIN6x6ef

Can I Qualify For Mortgage Without Meeting Waiting Period If I Get Bankruptcy Deleted?