On today’s edition of GCA Forums News for Wednesday, June 11, 2025, we will cover the following important trending topics:

1. We will update our viewers on the latest fiasco between President Donald J. Trump and Elon Musk.

2. We will cover if the relationship between Trump and Musk will ever reconcile or if this is the END of a fast-paced new friendship and alliance. Musk keeps on saying that Trump is on Epstein’s pedophile flight log which Trump vehemently denies.

3. We will cover the Los Angeles riots and the feud between Trump, Tom Homan, and California Governor Gavin Newsom and contemplate the theory that Newsom is trying to stir up political chaos, civil war, and divisions against Trump because he has an ulterior motive to gain brownie points and get ahead in the 2028 Presidential election. Kamala Harris has not announced she will run for the office of Governor of California.

4. We will cover Trump’s Big Beautiful Bill. Fellow Republican senators seem to be more opposed. Remember that the Big Beautiful Bill barely passed the House by one vote. Now, with several Republican senators against the bill, Trump has a long, dim road ahead trying to make it into law.

5. The economy and job market are awful. Many Americans either have or are expecting to lose their jobs with no promising employment in the future. The U.S. economy is on life support, and Wall Street is in denial, where the DJIA is swinging upwards by triple digits and tanking the same. The volatility in the stock market signals that the stock and bond markets are clueless..

7. We will thoroughly examine inflation, the Federal Reserve Board’s potential cuts in interest rates and mortgage rates, housing inventory, home prices, and the overall housing and mortgage markets.

8. What is going on with sanctuary cities and sanctuary states? Illinois Governor JB Pritzker is in Washington on a conference with lawmakers concerning offering a haven to illegal migrants and discussing sanctuary cities and states, as well as the federal government cutting federal funding dollars to states that are proclaimed sanctuary cities and sanctuary states.

9. What are the updates on mayors, judges, and politicians shielding illegal migrants from Federal Immigration and Customs Enforcement agents? What is the latest on Congressman Hakim Jeffreys that he will publicly name all federal ICE agents who are rounding up illegal migrants and deporting them?

10. Is Elon Musk’s Department of Government Efficiency completely dead? Is there any way to cut billions of dollars of wasteful spending? Why are U.S. Attorney General Pam Bondi and FBI Director Kash Patel dragging their feet when filing charges on the Biden Administration’s wrongdoings? Are the pardons and commutations signed with the auto pen null and void, or will nothing happen with that, too? Senator Adam Schiff, former Congresswoman Liz Cheney, Dr. Anthony Fauci, Barack Obama, Bill Gates, Hillary and Bill Clinton, Andrew Cuomo, Hunter Biden, Joe Biden, Dominion voting machines, and hundreds if not thousands of people of power who committed crimes and crimes against humanity needs to get charged, arrested, tried, and sentenced to prison for a long time. Pam Bondi and Kash Patel are either completely incompetent, lazy, or not thinking about doing anything. Why aren’t these corrupt judges getting charged, arrested, tried, and sentenced? Why are they not being put in their places? What is the latest on New York Attorney General Letitia James and Fulton County, Georgia District Attorney Fani Willis?

We will give you a comprehensive detailed report on the topics from above and more. Stay tuned.

https://www.youtube.com/watch?v=wXMEF63N3N8&list=RDNSwXMEF63N3N8&start_radio=1

We will cover today’s comprehensive daily news in today’s GCA Forums News for Monday, June 9, 2025. We will cover the latest update between President Trump and Elon Musk. Last week, there was a major blowout between Trump and Musk. Trump and his inner circle no longer trust Musk. Musk invested millions in Trump, but what is the real story? Did Musk have an ulterior motive? Is Tesla deteriorating? Tesla’s Cyber truck is sitting dormant and not selling. The left loved Musk but no longer after he supported Trump and the Republicans. What is going on with the latest housing and mortgage news? What is happening with the Dow Jones Industrial Average, other indices, and Tesla stock? Tesla stock lost 14% last Thursday. Musk got kicked out of the White House. What is going on with Trump’s Tariffs? What is going on with precious metals? What is the latest with inflation? Did Trump use Musk and leave him after he used Musk? What is going on with the economy? What is going on with both sides of the political spectrum? What is going on with the Department of Government Efficiency? Is this the end of Elon Musk? Did the public turn its back on Musk?

GCA Forums News: Monday, June 9, 2025

Update on Trump-Musk Romance

The relationship between President Trump and Musk has degenerated into a public feud, escalating rather rapidly last week. On Trump’s part, it started on June 5, 2025, when he threatened to cut government contracts and subsidies for Musk’s companies, including Tesla and SpaceX, which he claimed could cost billions.

Accusations by Musk

• In retaliation, Musk accused Trump of running his economy into the ground, pledging a recession in the second half of 2025 at Trump’s hands.
• He even called for bursting Trump’s impeachment balloon and idly tweeted about SpaceX’s Dragon spacecraft being decommissioned—while cautioning, later, that he’d retract.
• Elon Musk intensified his social media attacks on Trump, doubled down on his reframing, and focused even more on claiming Trump’s policies had destroyed American quality of life.
• Musk claimed he should be outraged, describing this as unprecedented.
• How in a democracy someone can be de facto ruled by a person suffering from the character divide seemed immeasurable when Musk turned against Trump for his tax and spending policies, declaring them “stuffed with disgusting pork” and demanding from his followers on X that Congress kill them.
• It would be hard to forget how, together in May and March of 2025, they attended Disneyland and sipped drinks here and there while seated on couches in Trump’s cab after participating in joint dinners where they proposed spending bills.
• Musk’s critics argued that he wanted to control policy to benefit Tesla and SpaceX, which depend on federal contracts and subsidies.
• The Washington Post estimated that Musk’s companies receive approximately $38 billion of federal spending.
• Out of that, SpaceX alone constituted $22 billion. Despite this, Musk’s vocal criticisms of Trump suggest he did not expect Trump to accommodate his influence, and his attempts at accommodating Musk may have backfired.
• No concrete evidence goes beyond the stated reason for downsizing the government, for Musk’s sudden fallout with Trump, which raises questions of strategy gone wrong.

Did Trump use Musk?

• Trump’s embrace of Musk, starting with giving him the position of leading DOGE and showcasing Tesla vehicles at the White House, was a public display of approval.
• After Musk criticized Trump, the latter distanced himself, saying he was “disappointed,” which many interpreted as suggesting that Musk’s exit from DOGE was due to his inability to handle the role.
• Some House Republicans also voiced dissatisfaction with Musk’s supposed lackluster performance in the role.
• However, it seems more likely that Trump used Musk’s influence to achieve his objectives and shut him out when they no longer aligned.

Tesla’s Performance and Cybertruck Sales

• On June 5, 2025, Tesla’s stock plummeted 14.3%, erasing its value by 150 billion dollars, marking the largest single-day drop in history.
• The decline was caused by the Musk-Trump feud, specifically Trump’s threatened removal of EV tax credits, which would have netted Tesla $1.2 billion.
• Tesla’s stock price experienced a minor recovery on June 6.
• Still, it remained down 21% in 2025 and had experienced a 33% decline since Trump’s inauguration.

Sales of Cybertrucks:

• Tesla is not doing well in Cybertruck sales, as analysts point toward Musk’s prioritization of this model over more utilitarian vehicles as a bigger drag on sales.
• Total sales of Tesla vehicles have also declined partly due to Musk’s political activism, which led to protests at Tesla plants in the US and Europe.
• In the EU, sales are down because of the political backlash, while in China, Tesla faces steep competition from domestic EV manufacturers.
• These factors, along with the anticipated withdrawal of federal aid, put Tesla in a weaker position in the market.

Perception of Government and Politics

• Musk’s shift from a revered leftist tech figure to a Trump Republican has cost him a lot of goodwill.
• According to X posts, his net favorability has shifted from +24 to -19 points, with a staggering 126-point drop among Democrats.
• The backlash against Musk has also affected Tesla, with a dip of 20 in net favorability.
• Musk has recently come under fire from the left sympathizers who used to endorse him because of his green energy innovations.
• Now, he is considered disloyal for backing Trump.
• On the other hand, some Republicans question his loyalty due to his reprimands for Trump’s policies.

Is This the End of Musk?

Despite these recent conflicts, Musk remains the world’s richest man. SpaceX and Tesla play integral roles in the United States space industry and the electric vehicle market. Due to government contracts, complete dismemberment is mostly impossible. Still, his political blunders and divided focus have hurt his public image and Tesla’s market performance. Musk’s crisis management will have to focus on stabilizing Tesla alongside maintaining government partnerships for SpaceX.

Trump’s Tariffs

• Concerns about economic fallout have surged due to Trump’s aggressive policies on tariffs.
• These include a proposed 50% tariff on certain European goods and the China trade war.
• Tariffs often trigger a recession or, at the very least, stagnate growth.
• Analysts fear that these tariffs will spur inflation and disrupt international trade, a view Musk has vocally supported.
• On June 5, a phone call between Trump and Xi brought some optimism toward progress in tariff negotiations.
• However, nothing of substance has been done. The complete economic impact of these tariffs is anticipated to become much clearer in the following months.

Recent Mortgage and Housing Updates

The first dip in mortgage rates after a month, Treasury yields led to a fall. Mortgage rates are now at 6.9%. These rates continue to dampen homebuying activity, especially during the important spring period. The housing market faces wider economic uncertainty due to tariffs, federal funding cuts, and decreased government spending.

Summary of the Dow Jones Industrial Average and Other Indices

• The Dow Jones Industrial Average, on 6/6/2025, jumped over 400 points (1.1%) to 42,319.74, closing above 42K for the first time.
• This resulted in a new high for NASDAQ for the year, sitting at around 6k.
• SP500 also rose above 6000, indicating a bullish market sentiment.
• May job figures showing surprising improvement and some signs of a truce in the ongoing feud involving Trump and Musk were the reasons for this rally.
• On the other hand, markets were dipping ahead of June 5, with Tesla’s induced slump alongside uncertainty around tariffs pushing the Dow lower by 0.25%, while SP500 and NASDAQ tracked it down with declines of 0.5% and 0.8%, respectively.

Precious metals update

Concerns regarding tariffs have incentivized investors to turn to gold, silver, and platinum, which, as of June 6, have reached multi-year highs surpassing prices observed previously. While we lack specific data points, the trend indicates a growing unease about inflation and trade tensions.

Inflation Update

• Concerns related to inflation have mounted to a good extent due to the tariffs imposed by Trump.
• Based on regional inflation rates, President Jeff Schmid of the Kansas City Federal Reserve claimed on June 5 that tariffs would reignite inflation.
• He warned that their impact could be felt within months.
• China’s producer deflation contracted at the worst rate in nearly two years in May, which shows how dire the global economy is facing.
• The Federal Reserve is still cautious about slashing rates as job data remain unchanged, and the effects of tariffs are yet to be fully captured within the numbers.

Department of Government Efficiency (DOGE)

• DOGE, or Department of Government Efficiency, was created and headed by Musk as an initiative to reduce the Federal workforce and government spending and fire several contractors.
• Musk’s abrupt exit came after he classified himself as ineffective under the Trump administration.
• With no clear successor announced yet, Trump’s remarks indicate that he no longer hopes to rely on Musk’s input amid other comments criticizing Trump’s last-minute decisions.

Economic Outlook

• Reduced federal funding, imposed tariffs, and stagnant spending will heavily strain the economy.
• By laying off nearly 100,000 employees in May, U.S. employers exacerbated job cuts for 2025 to below 700,000 while increasing their rate by 47% yearly.
• This makes for a disturbing economic cocktail, especially when combined with the projected costs of increasing inflation due to tariffs.
• This prediction contrasts with Musk’s expectation of recession-inspired growth.

Meanwhile, the XX CNN and Quartz links tell of a northern trigger that surfaced across markets and did not end well. Regardless, the Tesla market value is intricately tied to Elon as both are public figures’ faces and are somewhat expected to be hurt whenever one receives subconscious criticism pointed toward the other. As pointed out, the closure of financial markets causes people to remain angry at the government and constantly bash politics publicly. With a thought, the all-terrain Lee super Oscar potential of two people at once stepping down, there would be a slight energy release from the second leading markets. Markets are less physically cap-sensitive; the evolution of the financing paradigm quite simplifies the reason behind this.

I’d like you to please follow the links to learn more about Ex AI subscription pricing for SuperGrog and X Premium. You can also view their API package directly at the GCA forums, which will post all marketed updates as soon as they become available.

https://www.youtube.com/watch?v=Q61fLCh_LZA&list=RDNSQ61fLCh_LZA&start_radio=1

Elon Musk and President Donald Trump had a bromance closer than any two individuals can have. However, as time passed, the relationship deteriorated until last week when Elon Musk went postal. There are very close moments in any relationship, and other times when people do not get along. This happens in personal, business, and public relationships. For example, my husband and I were together for thirty years. However, we separated half a dozen times, but eventually got back together. When we separated, it was like we would never get back together again. However, that was not the case. Employees and subcontractors are the same way. There are warm and cold moments. “Elon Musk vs President Trump Feud: Hidden Signs You Missed Body Language Analysis” Elon Musk vs President Trump Feud: Hidden Signs You Missed Body Language Analysis. Watch the video below.

https://www.youtube.com/watch?v=iWvFAKkt2pU

• This discussion was modified 2 days, 1 hour ago by  Lisa Jones.

The Great Content Authority Forums, specifically known as the GCA Forums, is powered by Gustan Cho Associates. This forum serves as a platform for discussions on a wide range of topics, primarily focused on mortgage and real estate but also includes general community assistance and various other subjects like insurance, automotive, and more. Members can engage in topics ranging from FHA and conventional loan guidelines to mortgage rates, and there’s also a section for classified ads related to real estate and mortgage services.

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For those interested in diving deeper into specific topics like the differences between different mortgage companies such as AXEN and NEXA Mortgage, the forum hosts detailed discussions where experts like Michael Neill contribute insights on the intricacies of mortgage lending practices​ (GCA Forums)​​ (GCA Forums)​​ (GCA Forums)​.

If you’re looking to explore this forum or require more detailed information, you can access it here.

I was heartbroken to hear that President Trump and Elon Musk had a big difference of opinion in the Big Beautiful Big. I have been following Mr. Elon Musk on his initiative, making America Great Again, way before President Trump got elected. Anyone can see that Mr. Elon Musk has been consistent, transparent, honest, and is hands down a great person with an abundance of integrity and a good heart. Mr. Musk will speak his mind, not play games, and has no ulterior motives. Mr. Elon Musk was focused on making America Great Again and fixing our country so everyone can live a fruitful, fair, honest life and have a fair chance. One thing I noticed about Mr. Musk is that he will go above and beyond to honest, hard-working folks and their families, but will put his foot down to crooks, corrupt folks, and people and companies that want to beat the system and take advantage of the honest, hard-working folks. When Elon Musk is out to set a goal and mission like fixing our corrupt form of government, nothing will stand in his way. I have a lot of respect for President Trump and have always liked his bluntness and transparency. However, out of all people, President Trump should know and realize that relationships can have a few hurdles when they grow and become stronger. President Trump should rethink this whole situation, sit down with Mr. Musk, and iron out their differences. It might just be a misunderstanding, and people learn from feuds. It makes relationships stronger. Mr. President, you can be successful and make America great. But with a power player like the one and only Elon Musk, America will be the Greatest Nation ever to exist in the history of Mankind, with not a single country coming close. Nobody can act or play someone for this long without their true colors being revealed. Mr. Elon Musk has nothing to prove. Look at his accomplishments, his day to day actions, and look at his history. I do not trust too many people and have gotten screwed more times than anyone else. However, I can honestly say that I trust Mr. Elon Musk and will stand by him. He has earned my loyalty, as well as most Americans. A Global Leader who has a lot of more to offer humankind and the world.

GCA Forums Headline News Weekend Edition Report: May 26 – June 3, 2025 Introduction

This is the GCA Forums Headline News Weekend Edition Report. In this report, I will discuss the most important global happenings with timelines between May 26 and June 3, 2025. The report includes acute changes in the sports sector, business events, technology news, entertainment hubs, and more, along with the story behind them. Follow this summary to ensure you do not miss the most critical news of the week.

Sports Updates

• The 2025 NBA Finals are set for an intriguing face-off between Oklahoma City Thunder and Indiana Pacers.
• Game 1 is on 5/06/2025 and will air at 8:30 PM with Pacers facing Thunder at their home turf.
• The series proceeds with Game 2 on 8/06, with Games 3 and 4 played in Indiana on June 11 and 13, respectively.
• Anticipation is fired up for legendary highlights and crowning feats unfolding in this championship series.
• Burnes’s injury concern has evoked mixed reactions from fans.
• Leading Arizona Diamondbacks’ thought to sit on the bench due to right elbow inflammation put him on a 15-day injured disability, leaving Burnes’s injury concern.
• The injury is thought to be problematic for the franchise, especially for the exacerbating condition of careful tests the franchise initialed and is headed for a second opinion. Initially, the franchise has exalted Tommy Henry from Triple-A Reno while placing Ryne Nelson back in the starting rotation alongside slated expectations of Burnes’s forthcoming. Seasonwise, this has consequences on the performance of the Diamondbacks in this ongoing cycle of American Baseball.
• Paris Saint-Germain (PSG) celebrated a historic 5-0 victory over Inter Milan in the Champions League final match on May 31, 2025, at Munich’s Allianz Arena.
• Marquinhos lifting the trophy symbolized the PSG triumphing as the champions during the European Cup final, which fundamentally established their status as a world footballing superpower.

Economic and Financial Development

Inflation Eases to 2.1% in April

• Compared to other months within this range, the American economy is getting some relief due to the Personal Consumption Expenditures (PCE) price index previously set at $2.2, which has now dropped to a $2.1 annual rate.
• With other economists forecasting a rate of $2.25, this informative data could slow down the acceleration of the price of consumer goods.

Mortgage Refinance Rates Climb

• According to their June 3rd publication, the Mortgage Refinance Rates had increased, whereas the 30-year fixed refinance had surged to 6.92%.
• Their 15 and 20-year fixed averages at 5.84% and 6.79%, respectively, also align.
• For homeowners, there remain better options for refinancing their mortgages.
• However, strategic restructuring could enhance their finances by lowering payments or increasing home equity for projects such as remodeling.

Nvidia Faces China Export Challenges

• Despite the US restrictions on chip exports to China, Nvidia still exceeded its quarterly sales forecasts.
• However, this will not last long since Nvidia expects to lose $8 billion in sales this upcoming quarter.
• The changes, set to take effect in 2025, have led customers to begin stockpiling products, changing Nvidia’s outlook and raising concerns regarding global tech supply chains.

Global Events And Geopolitics

• India And Pakistan Increase Tensions escalate Focusing on April 22, 2025, the strike in Pahalgam of Kashmir, which is Indian administered, has killed 26 people, mostly tourists, marking an escalation in tension for India and Pakistan.
• Alleged Pakistani culpability had led to missile and drone warfare until a ceasefire was negotiated. Indian Parliamentarians were discussing the matter in Doha, Qatar, on May 26, 2025, marking further diplomatic strain.

Russia-Ukraine Conflict Further Escalation

• On May 25, 2025, Russia launched a record 355 drones into Ukraine, which marked one of the largest airborne assaults in history.
• This came after US President Donald Trump’s criticism, which added to the geopolitics boiling pot.
• The world has its eyes on the current situation while experts anticipate a further depth into chaos.

Technology And Innovation

FORTUNE ASEAN-GCC-China Economic Forum

• The FORTUNE ASEAN-GCC-China and ASEAN-GCC Economic Forums held in Far Malaysia on May 29, 2025, focused on sovereign AI, regional connectivity, and inclusive growth.
• The forums emphasized the region’s participation in the impact of collaboration on technology and the economy.

ASCO 2025 Showcases Cancer Research Breakthroughs

• At the 2025 ASCO Annual Meeting in Chicago held from June 1 to June 2, 2025, notable advancements in lung cancer were discussed.
• Innovative therapies for NSCLC and SCLC were introduced in paradigm-shifting studies such as CheckMate816 and NeoADAURA.
• Another major theme of the meeting, fostering international cooperation between researchers and advocates from many countries and global patient communities, was the role of AI in cancer diagnostics.

Entertainment and Culture

Dept. Q Series Gains Traction

• The Dept. Q crime series set in Edinburgh has snagged a Netflix deal, and while some viewers were thrilled with the addition to the genre, others seemed put off by the direction the story took.
• For better or worse, the show’s humor and engaging plot won praise.
• It follows a detective who is outlandish and happens to be a part of a quirky band of detectives.
• Many fans are eager for a second season, but more than a handful would argue that the long, tired, slow dialogue and pacing drag make this a confusing place to pile the so-called genre crime-thriller.

Chicago Summer Festivals Announced

• Among the headline events scheduled for the summer of 2025 are Riot Fest on September 26-28 and Lollapalooza, with headliners Blink-182, Green Day, Tyler, The Creator, and Sabrina Carpenter.
• The Chicago Blues Festival, the largest and one of the most famous free blues festivals in the world, is held every year with Mavis Staples anchoring.
• These events will enhance local tourism.

Global Weather Snapshots

• Noteworthy weather occurrences between May 26 and June 1, 2025, include a damaging tornado in Puerto Varas, Chile, and lightning storms over the Seyhan River in Adana, Turkey.
• Also, in Varanasi, India, people tried alleviating the oppressive summer heat by swimming in the Ganges River.
• Such phenomena emphasize the variety of weather experienced by different parts of the world.
• Reflecting on the economics of the decade (2020-2030), one glazes over the immense technological border advancements, sociocultural occurrences, and geopolitical tension.
• Those were turning decades for humanity.
• Looking out onto or from the GCA Forums Headline News will ensure the utmost.

These days, it’s inevitable to overlook that PSG Sico is bypassing, and the economy of service and help continue raging.

What could one tighten as leverage? Most demonstrated descents in articles were sensitive.

I’ve warned my audience countless times about the dangers of buying things we don’t need, but what about buying cars? Do cars appreciate enough over time where it becomes a good investment, and if so what are some things that a buyer should know when purchasing a unique model car?

We head back to Walt Grace Vintage to get these answers sorted!.

https://youtu.be/IioPekJDIX0?si=PmNDi6uf-Qjits23

Here is the national snapshot for GCA Forums News on May 29, 2025, for real estate and mortgage industry professionals and clients. It covers New State Attorney General Letitia James and her alleged mortgage fraud claims, key opinions, as well as other related housing and mortgage concerns, economic indicators, immigration trends, and more. It is up-to-date and does not contain any graphs or charts.

National Headline News Summary for GCA Forums News – Thursday, May 29, 2025 New York Attorney General Letitia James Charged along with Co-Conspirators

Case Synopsis:

Charge James with lying on unofficial forms and submitting those forms to the government, which is beholden to strict guidelines. Consider me aghast! Imagine thinking that exercising a modicum of sophistication despite holding the NY AG office could allow someone like James to get away with such wanton disregard for the law.

Not only do the conspirators sleep together, but they also engage in mortgage fraud to obtain eye-popping loans from banks.

Not only is she bold, but she and her NY-based legal team do not trust asserting the Fifth Amendment for her denying communication strategies. Nor do they care to hide their fingerprints with carte blanche legality employed at all the non-safe deposit limits. They trust that pleading ignorance will restrict liability with a chokehold that does not exist.

Let us consider this scenario for a second—picture James offering a real estate agent attorney some of the most extraordinary offers available from financial institutions. She 1 lies on her forms and sends them to banks for different units residing in some filthy dollhouse on 12345 Underpriced Way, and all of a sudden, the deal starts needing to be restaged. Expectedly, she runs out of ways to be duplicitous.

With the extended jurisdiction being court-sanctioned and banks issuing licenses to print bank notes under such ppw, what were unforeseen changes, the very algorithms banks direct motion-observe? Suddenly, consonants are on parade everywhere!

Unbothered about loan approval, anointed with a silencer, permitting geolocated Dominators to boil over the loan on James Streams, and scrambling to approve instant answers via direct NY scanned via firing bombs. Every tantalizing geolocation-rest-free device must stream domination.

The mortgage was submitted, with dollars squandered on ease, rushing everything mundane, such that driving the loan becomes torrents, granting the flimsiest possible reasoning for constructing, and dawdling while preparing a purchase beyond obtaining.

FHFA Director William Pulte’s Allegations and Criminal Referral:

As of April 14, 2025, FHFA Director William Pulte sent a letter to US Attorney General Pam Bondi with allegations that Letitia James committed multiple instances of forging bank documents and property records to access government loans and refinance mortgages on more favorable terms. His allegations came alongside a more formal referral, which contained the following:

Virginia Property (2023):

Pulte alleges that James, counter to the norms of public officials who hold office in New York, claimed a residence in Norfolk, Virginia, as her primary home for purposes of a mortgage application. This would enable access to lower interest rates. A POA dated August 17, 2023, coupled with her attorney’s assertions that she was misrepresented as a clerical error, supports her claim. She was listed as having the property as her principal residence, which is illogical.

Brooklyn Property:

Pulte claims that James expanded the limit of her Brooklyn Brownstone from four units to five starting in the early 2000s. This expansion aided her in qualifying for purchase loans for smaller multifamily homes. In support of this argument, he cited a 2001 certificate of occupancy and a couple of other registration records, which are evasive on the count of four.

1983 Mortgage Document:

Pulte alleged that a 1983 mortgage application listed James as her father’s spouse to qualify for the loan. James’ lawyer counters this claim, asserting that deed documents definitively name her as his daughter.

Forensic evidence provided by Pulte’s referral, analyses from private investigator Sammy Antar, and media coverage point toward possible breaches of federal law, such as wire, mail, bank fraud, and filing false documents with a financial institution. He called for the DOJ to initiate prosecution.

Excerpts from Kash Patel (FBI Director) and Pam Bondi (US Attorney General):

Kash Patel (FBI Director):

In a Fox Interview on May 19, 2025, Patel confirmed the investigation, stating, “This case, I can tell you, is being handled by our professional pros who are subject matter experts, reporting directly to headquarters, which reports to [Deputy Director Dan Bongino] and me.” He provided many details about the investigation. However, he opted to keep most details private because they are ongoing.

US Attorney General Pam Bondi:

To this day, Bondi still has not publicly commented on the James investigation. Her office received Pulte’s referral and the response from James’ attorney. During her Senate confirmation hearing, Bondi stated that the DOJ would not make politically motivated decisions. James’ attorney used this reasoning to call the investigation “improper political retribution.” It is telling that Bondi’s response to “politicized justice” was to form a weaponization working group, suggesting broader scrutiny by the DOJ aimed at Trump-critical officials like James, who sought to litigate against the former president.

Co-Counselors from the New York Attorney General’s Office:

To date, there is no record of any New York Attorney General’s Office co-counselors who have publicly been listed as part of the team working on James’ case. Leading James’ legal team is Abbe Lowell, a well-known criminal defense attorney who has previously represented Hunter Biden and Ivanka Trump. Lowell has been the main spokesperson, dismissing the allegations against James as unfounded and politically motivated.

Letitia James’ Reaction:

Through her attorney, Abbe Lowell, James has labeled the allegations as “fraudulent” and “politically motivated.” Contrary to Lowell’s defenses that the allegations resulted from routine mortgage audits and spelling mistakes, he maintains that they resulted from mendacious “fraud” attempts. He has accused Pulte of pushing a retaliatory narrative, pointing out Trump’s prior legal actions against him as a potential motive for the inquiry. James’ team has attempted some form of defense by cooperating with the investigation and submitting documents to the DOJ, suggesting the claims were false.

Mortgage Broker And AnnieMac’s Role:

The broker mentioned in this case has a direct connection to American Neighborhood Mortgage Acceptance Company, LLC (AnnieMac), a lending firm located in Mount Laurel, New Jersey. AnnieMac and its employees have been completely silent regarding the allegations. The company’s role has been limited to processing the mortgage application for the property located in Virginia, as no documents have been submitted suggesting AnnieMac was involved in any deceitful actions.

GCA Forums Mortgage Group Perspective on Mortgage Fraud:

GCA Forums Mortgage Group noted that fraud is one of the industry’s most worrying problems. Employees frequently commit malpractice by misrepresenting information, such as income, property, and even occupancy, for loans, usually due to payment motivations. The James example emphasizes the growing demand for restructuring policies and practices involving mortgage lending to eliminate these issues, which supports the group’s advocacy to end fraud.

Questions Relating to Economy and Tax: Are there any plans to scrap the income tax?

As of May 29, 2025, no policies or legislation aim to abolish the federal income tax. Some lawmakers, including President Trump, have suggested replacing the income tax with national sales taxes or tariffs, but nothing has been implemented. Proposals to eliminate the tax are always made, but Congress imposes hefty financial or economic stipulations that hinder progress.

Is Property Tax Illegal? Allegations of a $450 Billion Scam:

Local governments rely on property taxes as a primary source of revenue to fund services such as schools, infrastructure, and public safety. Claims that property tax constitutes a $450 billion fraud lack credible evidence and appear based on fringe theories or misinterpretations of the taxation system. While disputes over the accuracy of tax assessments are permitted within the system’s framework, federal and state laws support its existence and maintain intergovernmental tax relationships. No significant legal disputes or inquiries regarding property taxes’ widespread alleged fraudulent nature exist.

What Is Causing the Dow Jones to Skyrocket, and How Are Other Markets Reacting?

Directions of movements in the Dow Jones Industrial Average, predominantly influenced by the Trump administration’s pro-business policies, marked significant gains. These pro-business policies included deregulation, extended tax cuts, and tariffs to stimulate domestic industries. Strong corporate earnings—especially in the technology and energy sectors—also drive these changes. On May 29, 2025, the Dow experienced a remarkable increase as investors became more confident in the growth opportunities for the economy. Other markets exhibit diverse reactions:

S&P 500 and Nasdaq:

Both indices have continued to increase alongside the Dow. However, gains for the tech-heavy Nasdaq are slower due to concerns about reaching high valuations.

Global Markets:

European and Asian markets are more subdued, given the volatility of US tariffs due to their likely trade disruption.

Bond Markets:

The Treasury yield curve has experienced a slight shift upwards owing to heightened inflation expectations coupled with no forthcoming Federal Reserve interest rate cuts.

Cryptocurrency:

Bitcoin and other cryptocurrencies have garnered greater attention as inflation hedges, although volatility remains a constant threat.

Housing and Mortgage NewsLatest Updates on Housing and Mortgage Markets:

High home prices and elevated mortgage rates have kept the housing market stagnant. Homebuilders have also slowed new home construction due to rising material costs and a shortage of willing workers. Existing home sales are sluggish because homeowners are reluctant to sell lower-rate mortgages. The NAR reported a slight increase in pending sales for April 2025. Inventory, however, remains at an all-time low.

Current Mortgage Rates:

As of May 29, 2025, average mortgage rates are

• 30-Year Fixed: Roughly 6.85%, up from 6.5% in early 2024.
• 15-Year Fixed: Roughly 6.2%.
• 5/1 ARM: Roughly 6.4%.These rates come from the reports of the construction sectors and show the mortgage rates as well as the Fed’s not having the intention to cut rates anytime soon due to the high inflation level and the economy showing positive growth signs.
• The reasons why mortgage rates are stagnant and the housing market is inactive are as follows:

Here are the reasons why mortgage rates have not gone suspected to go down:

• Federal Reserve Action: The Reserve has not indicated any rate cuts shortly.
• Strong data like low unemployment levels and customer spending puts no pressure to cut rates, leading to contractionary monetary policy being put in place.
• Inflation Woes: The inflation rate is above the 2 percent target set by the respective Fed, along with energy prices and supply restraints, keeping the cost associated with borrowing funds high.
• Trump Administration Stance: Trump did not support policies that directly seek to lower mortgage rates.
• He oddly focused on tariffs aimed at cutting spending, which lowers deflation, along with other deregulation policies that lead to quotas and inflationism, leading to higher values for mortgage loans.

The economic realities of the Housing Market:

Excessively high borrowing rates and a lack of willingness from either side of the market result in low transaction counts, which in turn result in stock scarcity. Excess demand in some regions causes home prices to stagnate despite the call for lower prices.

• Immigration News: ICE and Sanctuary Cities/States

Enforcement Actions with regards to the Sanctuary Policies:

Undocumented immigrants have been escalated under the Trump administration within sanctuary cities and states. There has been rising attention paid to deportation efforts in sanctuary cities and states. On May 15, 2025, ICE initiated plans to remove undocumented individuals with a criminal record aggressively. This directly impacts regions expected to enforce sanctuary policies, including New York, Chicago, San Francisco, and California. Federal funding has been cited as the reason for non-compliance, but constitutional challenges can be expected. Advocates cite humanitarian issues, while critics focus on enforcement.

For readers of GCA Forums News, the investigation surrounding Letitia James reminds us of the significance of trustworthiness in mortgage practices and real estate. Regardless of whether the accusations of mortgage fraud are true, there is a clear need for strong supervision to ensure there is no fraud risk. This is one of the key concerns for the GCA Forums Mortgage Group. On another note, there are complex challenges facing realtors and buyers alike due to a steadily rising Dow Jones and high mortgage rates. Also, there is no promise of rate cuts in sight, a stagnant housing market, and potential changes to immigration policies could shift the local housing market within sanctuary areas. Staying alert and well-informed will be important for dealing with these changes.

I would gladly provide further details or updates as new information becomes available; just let me know!

. If Biden dies or gets impeached do we have to worry about this ding bat becing our President?Kamala Harris is being questioned by millions of Americans on her mental health state and her intelligence level. Is this idiot pretending to be dumb and stupid or is Kamala Harris a real idiot. Kamala Harris has zero brains 🧠 and seems this goof 🤪 is pretending to be a creature with a single digit IQ. Is this brainless moron the number 2 in charge of the United States? How humiliating to have this creature to represent the nation and be a power leader. The Imbecile in Chief. She has zero respect and is not a liked person in any way or form.

https://youtu.be/k7TCTQQWIZI?si=-hQw0rw-TbyD7SxJ

Here’s a detailed summary of the national breaking news for Wednesday, May 21, 2025, prepared for GCA Forums News, focusing on President Trump’s pharmaceutical price cuts, the Dow Jones and other markets, housing and mortgage updates, ICE and sanctuary cities/states, and Sean “Diddy” Combs, James Comey, Letitia James and other related allegations. The analysis is fact-based, reasoned, and stripped to the essentials while covering all topics sufficiently. If information is sparse or uncertain, I will point that out and refrain from hypothesizing.

GCA Forums News: Top US News Recap For Wednesday, May 21, 2025

• Trump Cuts Pharmaceutical Spending In The US
• Posting an announcement on X with an order scheduled to be signed, Trump stated he would reverse decades of overpricing by big pharma and target a 30-80% cut on drug prices.
• During his first term, he stated “In my second term, I will fully address the crippling costs of prescription drugs.”

Following his former claim, on May 12, 2025, Trump was set to sign an executive order prescribing a 30-80% reduction in drug prices. These cuts would only take effect on Medicare and advanced economies, using a most-favored-nation model on spending. While a few updates mention the signing, other sources speculate it will take years to negotiate, leading to a lack of major coverage. Additionally, the lack of updates regarding the signing or implementation of the order raises concerns about industry counteraction.

US Markets Volatility and New Records on Dow Jones

Throughout early 2025, the Dow Jones Industrial Average and other markets experienced extreme volatility, unlike before, primarily due to President Trump’s recent trade policies.

The recent U.S.-China trade relations shift on May 12, 2025, marked a milestone as these negotiations now include a 90-day tariff rollback. This brought a significant increase in market confidence. S&P 500 and Dow futures increased by nearly 3% and over 2%, respectively, while Nasdaq Composite futures surged by more than 3.5%. Hong Kong’s Hang Seng also accompanies this, along with several other Asian markets, rising by nearly 3%. By the start of 2025, the market had dropped 15%. Still, it recovered substantially in just 25 trading days from an early 2025 sell-off compressed within 3 weeks, marking the fastest recovery since 1982. Concerns regarding Trump’s tariff policies still stand concerning the redacted 30% tariff on Chinese imports. Analysts such as Paul Tudor Jones expressed concern over worsening macroeconomic factors alongside persisting tariffs, sustaining low stock prices. As of mid-May, markets remain extremely responsive to trade updates.

News related to housing and mortgages: Current mortgage rates

In early 2025, there were no specified reports on the changes in Mortgage rates. However, recent news about housing and mortgages paints a picture of a shifting domain stemming from new economic guidance and market conditions.

Fixed-rate mortgage rates have been affected indirectly by the volatility in government bond markets due to Trump’s tariff announcements. As bond yields dictate fixed-rate mortgages, they need to be on an elevating trend in response to economic uncertainty, along with the policies set by the Federal Reserve. Certain reports suggest that the rates will be hovering between 6.5% and 7%, which is in sync with estimations made during late 2024. While there is no exact estimation for the 30-year fixed mortgage rates due to a lack of data, they would likely stay above 6.5%, which aligns with the Freddie Mac and Bankrate projections. Affordability in housing continues to be a problem, which could slow down housing development due to small businesses suffering from decreased investment power. The actual rates need to be checked on May 21 to get the most accurate projection for 30-fixed rates.

ICE and Sanctuary Cities/States

As of May 21, 2025, the data seems to have no updates regarding policies and actions directed towards sanctuary jurisdictions for Immigration and Customs Enforcement (ICE) activities, as no specific headings discuss these new policies. President Trump is expected to step up enforcement on sanctuary cities and states, which aligns with his previous term’s heavy-handed approach to immigration.

Sanctuary jurisdictions, which restrict collaboration with federal immigration enforcement, have faced disputes, with Trump having historically fought to either defund or sue them. As of May 21, it is unknown whether new executive orders or ICE initiatives have been released, owing to a lack of recent updates. The absence of coverage might suggest ongoing deliberations on policy or other national attention concerns, such as trade and criminal justice. It is recommended to watch federal announcements or ICE news for updates.

Developments Regarding Sean “Diddy” Combs, James Comey, Letitia James, and the “Left-Wing Criminals” Conspiracy

Sean “Diddy” Combs:

As of May 20, 2025, the sex-trafficking and racketeering trial against Sean Combs is continuing in a Manhattan federal court. Stevie J. and Johnny Wright, both well-known figures in the entertainment industry, are expected to testify, as well as Cassie, an ex-girlfriend of Sean Combs. Prosecutors believe that Sean Combs has been running a criminal business, while the defense states that the relations were consensual. The trial has received considerable media attention. However, limited courtroom access has made it difficult to obtain extensive coverage. As of May 21, 2025, there have been no reports on major developments or verdicts.

James Comey and Maurene Comey:

The data does not mention wrongdoing by former FBI Director James Comey but instead introduces his daughter, Maurene Comey. Maurene Comey spearheaded the case against Sean Combs under the Manhattan US Attorney’s Office Civil Rights Unit.

Her previous work, like Ghislaine Maxwell’s conviction, has drawn attention, and so has her current work. James Comey does not appear to be connected to any criminal activity, and comments associating him with this context seem to connect to his daughter’s role instead of any personal allegations. Allegations of “left-wing criminals” involving Comey lack evidentiary support and seem to be partisan commentary rather than about actual legal proceedings.

Letitia James:

No specific updates for May 21, 2025. This is in connection with pending allegations of a crime or an investigation involving New York’s Attorney General, Letitia James. The Bonnie and Clyde label “left-wing criminals,” which seems tailor-made to denounce the political side of James, who has pursued civil litigation against high-profile subjects, including Donald Trump, during her time in office, does not seem to lead to any conclusions. However, the provided materials do not support any current allegations or investigations of criminal conduct concerning her. The materials I provided neither support speculation nor provide evidence to prove the claims.

Left-Wing Criminals:

Aside from the Combs trial and some references to Comey, the materials available do not fully develop this expression. The conjunction of political and ideological crimes is often controversial and needs strong justification. The record makes no other reference identifying persons as “left-wing criminals,” such claims deserve doubt unless substantiated by judicial evidence.

GCA Forums News Context:

As a speculative outlet, GCA Forums News usually focuses on stories capturing the public’s gaze, such as economic concerns (prices of drugs or other commodities, markets), important legal actions (Combs Trial), or immigration enforcement. The absence of specific reporting on some issues, like ICE or Letitia James, suggests that these topics may not be the center of news attention on May 21, 2025, or need more reporting.

Critical Perspective:

The assertion of “left-wing criminals” and the average influence of any policy, such as cutting the prices of drugs, can be at times misleading, as information requires a critical approach for verification. While representing society’s view on X, posts tend to amplify unverified information, like drug manufacturers’ announcements of price reductions. Outlets considered mainstream offer more cautious coverage, even though their updates may be slower.

Data Gaps:

The lack of information on mortgage rates and the actions of the ICE necessitate a narrower regional focus. Users must go to primary sources—government websites and financial reports—for the most updated information.

GCA Forums News: National Headline Overview for May 21, 2025

President Trump’s Pharmaceutical Price Cuts

Overview:

President Trump issued an executive order to reduce prescription drug prices by 30% to 80%, with Medicare reimbursement levels set as payment for the most advanced countries. The order focuses on curtailing Big Pharma’s pricing policy.

Status:

This announcement was dated May 12, 2025. However, as of May 21, there is no confirmation of signoff or implementation, and industry pushback is likely.

Dow Jones and Market Trends

Overview:

Markets responded positively as of May 12 due to the U.S.-China tariff rollback, with Dow Futures jumping over 2%, S&P 500 up almost 3%, and Nasdaq gaining 3.5%. Asian markets also gained.

Current Status:

The market is even more volatile due to tariff restrictions, with China’s import tariffs set at 30%. Industry experts are cautioning about new lows if the situation deteriorates.

Housing and Mortgage News

Overview:

Economic uncertainty related to tariffs impacts bond markets, likely keeping mortgage rates at 6.5-7% for a 30-year fixed. Housing remains less affordable.

Current Status:

No specific data as of May 21. Rates available through Freddie Mac or Bankrate.

ICE and Sanctuary Cities or States

Overview :

As of May 21, there have been no specific updates regarding ICE actions against sanctuary jurisdictions. We can expect the Trump presidency to focus on enforcing immigration laws.

Current Status :

Policy changes and developments remain ambiguous and stagnant; pay attention to federal announcements. Sean Diddy Combs and Associated Individuals

Sean Combs Trial:

The sex trafficking and racketeering trial in New York is ongoing and features testimony from Cassie Ventura, who alleges she was abused and coerced by Combs alongside other witnesses. The defense maintains these were consensual relationships.

James Comey:

He is not accused of wrongdoing, so his daughter, Maurene Comey, a prosecutor in the Combs trial, is not implicated.

Letitia James:

There are no known allegations of wrongdoing, and no new information has been issued; the claims of “leftist criminals” have not provided any proof.

This summary has been prepared to give an overview of salient stories of national importance for the GCA Forums News while integrating and balancing available information within analysis. Primary sources and financial websites should be prioritized for updates on mortgage rates and ICE policies.

https://www.youtube.com/watch?v=ImKB7BK33y0

Value of Silver will outpace Value of Gold as precious metals skyrocket. Silver trade in a thin market. Plus Silver has investment Value as well as practical industrial Value. In 2011 Value of Silver doubled to $45 per ounce. Trading of Silver opened higher today. Start stacking Silver today.

https://youtu.be/jYV3vi-ysPk?si=oC1zFZqFGjY8B6AU

GCA Forums Headline News Weekend Edition Report: May 5–11, 2025

Greetings and welcome to another edition of GCA Forums Headline news. Today’s date is May 5 – 11, 2025. We are now in the world of advanced mortgage and housing techniques. We cover mortgage, housing, and real estate topics, and this time, we will provide timely market updates with professional insight and analysis, engaging conversations, and much more for readers who are real estate investors, mortgage professionals, business enthusiasts, and home buyers. You will hear stories such as mortgage rate slashes and high-profile fraud allegations. You can also count on GCA Forums for actionable insights.

Mortgage Market Updates & Interest Rates

While mortgage rates remain steadily volatile, the Federal Reserve remains as cautious as ever this week, already missing one meeting due to inflation. Right now, as of May 11, 2025, the following rates are set:

• The 30-year fixed is touted as the most conventional payment method, clocking in at 6.85%, thus increasing by 0.1% from the previous week. Can you please provide me with access to this document?
• FHA loans are set to hold steady at 6.5%.
• VA loans are expected to increase slightly.

DSCR Loans:

• Investor non-QM rates have held steady at 7.2% for the past few weeks.
• Non-QM loan traction continues to rise among self-employed workers, with an average of 7.5%.

Important Updates:

• The latest Fed meeting minutes indicated no rate cuts would be made shortly, influencing mortgage rates.

Changes to the Minimum Credit Score Requirements:

• Fannie Mae and Freddie Mac increased the benchmark Credit score requirements for certain conventional loans to a minimum of 660.
• Credit underwriters have reported stricter limits for debt-to-income (DTI) ratios, with 43% becoming common ceilings for approvals.

Why It Matters:

• Rate changes are important for home buyers and those looking to refinance.
• They depend on rates to make the best choices.
• Mortgage specialists use such information to help clients at the right time and use market updates to their advantage.
• Non-QM and DSCR loans are catching the attention of investors looking to grow their portfolios.

Let’s Continue the Conversation:

• How have the rising rates changed your homebuying or investment strategies?
• Post your comments in GCA Forums!

Latest Market Indicators and Housing News

Market overview snapshot:

Home Prices:

• According to the National Association of Realtors, median home prices continue to rise at $415,000, a 3.2% increase yearly.
• Inventory Levels:
• The housing inventory increased slightly, but 1.2 million active listings are still 20% below their levels before 2020.

Affordability Challenges:

• In the survey conducted by GCA Forums members, 40% of first-time buyers indicated that high prices were a hindrance, suggesting that the prices have become difficult to manage.

Regional Highlights:

Best Markets for Buyers:

• Pricing and growing inventory made Tampa, FL, and Raleigh, NC, very affordable.

Best Markets for Sellers:

• Strong demand and rapid sales characterized Seattle, WA, and Austin, TX.

Rental Market Trends:

• Increased demand for multifamily rentals focused attention on urban areas, leading to greater investor interest in apartment buildings.

Why It Matters:

• Homebuyers and sellers can strategically time their moves, while investors look for opportunities based on inventory and pricing data.

Forum Spotlight:

• Check out our thread “Top Cities for First-Time Buyers In 2025” for professional advice!

Reports Of Inflation And The Federal Reserve Reporting

This Week’s Insights:

• The April 2025 Consumer Price Index (CPI) is at 3.1 percent, above the Fed’s targeted 2 percent.
• The economy’s growth has also increased the Personal Consumption Expenditure (PCE) index, which the Fed expects to be at 2.7%.
• Bloomberg’s survey of economists found that 60% forecast tighter policy, so pessimism about a 25-basis-point rate hike in June is growing.

Impact on Housing:

• Growing inflation is the leading force curbing mortgage rates, adding more pressure on affordability.
• Other investors are turning to inflation-protected assets such as multifamily properties.
• Homebuyers require visibility on rate movements, and investors are focused on inflation to balance cash flow and ROI.
• With our forum’s “Inflation Watch” thread, you can receive real-time updates while discussing the topic with peers! Expert insight yields:
• Monitoring the Fed Meeting on June 18, 2025, is necessary for tracking up/down rate movements.

Economic Reports & Trends In The Job Market

Data points of importance:

Unemployment Rate:

• Stasis at 3.9% for April 2025, claimed by the Bureau of Labor Statistics.

Wage Growth:

• Annual inflation-adjusted wages increased by 4.2%, but this fell short of competing against the 5.1% appreciation in home prices.

GDP Outlook:

• The anticipated GDP growth for Q2 2025 is 2.3%, which indicates moderate economic growth.

Market Implications:

• Mortgage lending will benefit greatly from accelerated job opportunities.
• High demand and strong job growth will sustain home prices.
• Indicators show heightened volatility risk.
• The stock market is looking grim, dropping 1.5% this week.

Why It Matters:

• The overarching economic conditions affect consumer confidence and lender policies.
• On the other hand, entrepreneurs observe employment trends as job opportunities and investment opportunities.
• Every real estate investor should wonder how the job market is molding their strategies in our “Economic Trends” forum!

Changes to government housing policies

Notable updates:

FHA loan limits:

• Increased to $524,225 for 2025 in most areas per HUD.

Proposed tax credits:

• A bipartisan draft of a $15,000 tax credit for first-time home buyers is pending Senate approval.

Rent control:

• California and New York have increased the severity of rent control laws, which hurt multifamily investors.

Foreclosure prevention:

• The CFPB extended certain foreclosure moratoriums into Q3 2025.

Why It Matters:

• Policy shifts impact the accessibility of loans and the returns of investments, thus updating borrowers and realtors.

Forum Highlight:

• Over 200 questions were submitted for our FHA loan “Ask an Expert” session.
• Mark your calendars for the next one on May 15!

Tips for Investing in Real Estate and Growing Your Wealth Investor Insights:

Top Rental Markets:

• Charlotte, NC, and Phoenix, AZ, topped the list as high-cash-flow markets with an average cap rate of 6.5%.

DSCR Loan Boom:

• Debt Service Coverage Ratio loans became a staple, as 30% of investors at GCA Forums adopted them for rentals.

Short-Term Rentals:

• Airbnb’s occupancy stabilized, but fresh regulations in Nashville and Miami capped the number of permits issued.

Tax Strategies:

• Investors leverage deferred capital gains through 1031 exchanges, targeting multifamily structures aggressively.

Why It Matters:

• Wealth-building strategies rank highly among net-worth readers, providing sharp, action-oriented guidance.

Pro Tip:

• Check out our “Investor’s Guide to DSCR Loans” thread for lender shoutouts and case studies!

Business and Financial News in Focus Headlines:

Banking Sector:

• Concerns mounted regarding non-QM lending as two regional mortgage lenders reported liquidity issues.

Stock Market:

• Real estate ETFs outperformed, with REITs gaining 2.3% this week.

Crypto and Real Estate:

• Investments in tokenized property surged, with $50 million in digital assets associated with rentals in the US.

Why it Matters:

• Reputation is the backbone of any business. Important financial news shapes the lending and investment climate and builds the credibility of GCA Forums.

Forum Buzz:

We invite you to participate in our thread “Crypto in Real Estate”, where we discuss the role of blockchain technology in real estate transactions.

Foreclosures, Distressed Properties, And The Housing Crisis

Trends

Foreclosure Rates:

• Increased by 5% as compared to Q1 2025. Florida and Nevada are leading.

REO Opportunities:

• Investor bidding at auctions for properties previously auctioned off by banks increased by 25%.

Distressed Homeowners:

• Individuals in these situations resulted from job cuts within the technology and retail sectors, resulting in increased short sales.

Why It Matters:

• Investors look for deals, and homeowners seek assistance preventing foreclosure.

Forum Resource:

• Read our “Guide to Buying Foreclosures” thread, which offers meticulous instructions.

Engagement and Discussions:

• Letitia James Mortgage Fraud Allegations

Viral Story for the Week:

• Touted for spearheading numerous lawsuits against the real estate industry, New York Attorney General Letitia James is now at the center of mortgage fraud allegations, hotly debated by members of GCA Forums.
• On April 14, 2025, the Federal Housing Finance Agency filed a report to the US Department of Justice alleging Leticia James had committed multiple acts of mortgage fraud, including record manipulation on numerous occasions.

Key Allegations:

Virginia Property (2023):

• She is accused of claiming a Virginia property as her primary residence to obtain a reduced interest rate on a $219,780 loan.
• As a resident of New York, “primary residence” mortgages typically charge 25-50 basis points lower than the market rate.

Brooklyn Property (2001-2021):

• She allegedly submitted a five-unit brownstone as a four-unit property on multiple mortgages.
• Therefore, obtaining more favourable terms.
• A 2001 certificate of occupancy confirms five units, unchanged for 24 years.

1983 and 2000 Documents:

• Robert James and his daughter, Letitia, purportedly executed the mortgage documents for a Queens property in 1983 and then repeated the act 17 years later.
• This misrepresentation may have resulted in beneficial financing terms.
• Lowell, her lawyer, explained the 1983 deed, which names her “his daughter,” which he characterized as an innocuous mistake.

Latest Developments:

• On May 8, 2025, the Albany FBI and the US Attorney’s Office initiated an investigation regarding the 2023 Virginia mortgage and previous inconsistencies.
• James denies any illegal conduct, claiming the accusations are “without merit” and are “political retaliation” related to her civil fraud suit against Trump, which ended in a $454M verdict.
• Her lawyer insists that the excerpt claiming the Virginia property was intended “for her niece” was not ambiguous.
• X posts depict contrasting opinions, with some calling for arrests.
• In contrast, others claim the allegations have no substance and are politically driven.

Why It Matters:

For Investors:

• The allegations of mortgage fraud in real estate highlight a lack of trust in the loan application process, which may increase lenders’ scrutiny.

For Homebuyers:

• The case accentuates the need for precise documentation so clients do not face unnecessary legal and financial consequences.

For Professionals:

• Discussions between real estate agents and mortgage brokers focus on the impact of high-profile cases on public confidence in real estate transactions.

Forum Discussion:

• Our “Ask an Expert” section on mortgage fraud issues garnered over 300 comments, sparking heated discussions among our members on:
• Is this a legitimate investigation or just another politically motivated witch hunt?
• What are the projected outcomes for New York’s real estate market?
• What insights can borrowers take regarding precision in loan application submissions?

Expert Take:

John Carter, a GCA Forums mortgage expert chronicling two decades in the industry, noted, “The consequences for inaccurately stating residency or property information could include hefty fines and jail time. From a borrower’s perspective, there needs to be full disclosure to sidestep presumptions of fraud.”

Join the Conversation:

• Participate in the “Mortgage Fraud Scandals” thread to voice your opinion, Letitia James, and share your thoughts on how the case might shape the future of NY real estate.

Forum and Expert Answers: This Week’s Top Threads

“Navigating FHA Loans in 2025”:

• Experts answered over 150 questions about the new credit requirements and loan limits.

“DSCR Loans for Rentals”:

• Investors share their success stories, one member reported closing a deal on 10 units for 6.8 percent.

“Impact of Inflation on Homebuying”:

• 200+ participants exchanged ideas on rate lock strategies before possible Fed increases.

Forum Highlights:

• The GCA Forums focus on real estate, which is discussed in forums.
• This makes them the go-to for real estate expertise while ensuring active participation.
• Post your mortgage and investment queries in the “Ask an Expert” section for an expert reply!

The Winning Recipe

Please participate in the discussion as we build the ultimate real estate news and analysis hub. This week’s report blends breaking news, expert commentary, and viral stories that accurately capture audience attention. GCA Forums News empowers home buyers, investors, and professionals by clarifying complicated mortgage subjects and trending topics like the Letitia James allegations.

Stay in touch:

Subscribe to GCA Forum News for daily updates.

Follow our social media handles for shareable real estate content.

Become a member of GCA Forums News and connect with 10,000+ members from across the country.

What’s next? Catch our report for May 12-18,2025, where we take an exclusive look at the housing forecasts for quarter two and an analysis of the rental market regulations for short-term leases.

https://www.youtube.com/watch?v=vjTbITR4T9Y

GCA Forums News Bulletin – Tuesday, May 13, 2025

President Donald Trump has moved forward with efforts and a strategic plan to reduce pharmaceutical prices in the United States, issuing an executive order to lower drug costs for American consumers. Social media posts on X highlight Trump’s announcement of “massive cuts to drug prices,” framing it as a significant reset for the pharmaceutical industry. He has also criticized Europe’s healthcare systems, suggesting their “free” models come with hidden costs. However, specifics on these claims are limited. The details of the executive order, such as whether it involves price caps, enhanced negotiation powers, or changes to drug importation, are not fully clear from available information. This initiative aligns with Trump’s campaign promises to tackle high prescription drug prices. However, its immediate effects on the market and consumers are still unfolding, with more details expected soon.

The conflict between India and Pakistan, which escalated into intense fighting over the past week, has reached a fragile ceasefire as of May 13, 2025. The clashes, centered on the disputed Kashmir region, involved missile strikes, drone attacks, and air engagements, marking some of the worst violence in decades. India’s “Operation Sindoor” targeted alleged terrorist camps in Pakistan and Pakistan-administered Kashmir, resulting in over 60 deaths. At the same time, Pakistan retaliated with strikes on Indian military targets and claimed to have downed Indian jets. On May 10, President Trump announced a U.S.-mediated “full and immediate ceasefire” via Truth Social, brokered by Vice President JD Vance and Secretary of State Marco Rubio amid fears of nuclear escalation. Despite early reports of violations, including shelling in Indian-administered Kashmir, the truce appears to be holding as of May 12. India has rejected Trump’s offer to mediate a long-term Kashmir solution, viewing it as an internal issue, while Pakistan welcomes U.S. involvement. Trump has pledged to boost trade with both nations. Still, unresolved tensions over Kashmir and cross-border terrorism keep the situation precarious.

The Dow Jones Industrial Average (DJIA) saw notable volatility this week. On May 12, 2025, the index surged by approximately 2.8%, or over 1,100 points, fueled by optimism over a U.S.-China agreement to roll back tariffs, surpassing Wall Street expectations. The S&P 500 climbed nearly 3.3%, hitting its highest level since March, and the Nasdaq rose about 1.8%, with sectors like automotive and Chinese EV makers like XPeng and BYD gaining significantly. However, on May 13, the DJIA dipped by 80 points, closing at 21,405 USD as of 10:15 AM CDT. The day’s trading saw an opening price of 21.43 USD, a high of 21.574 USD, and a low of 21.365 USD, following a previous close of 21.385 USD. This pullback may reflect profit-taking or uncertainty about the trade truce’s longevity. Over the past month, the DJIA has ranged from a high of 22.8261 USD on April 23 to a low of 20.5 USD on April 21, with a year-to-date decline from a peak of 24.0 USD. Investors closely watch Trump’s tariff policies, including a proposed 80% rate, which remains under discussion.

The U.S. housing market faces challenges due to high mortgage rates and affordability issues. As of May 13, 2025, specific mortgage rates are not detailed in available data, but recent trends suggest 30-year fixed rates are likely between 6.5% and 7%, with 15-year fixed rates slightly lower. These elevated rates, driven by Federal Reserve efforts to combat inflation, have increased borrowing costs, making homeownership less attainable for many, particularly first-time buyers. Home prices remain high, and inventory is low in many areas, contributing to a slowdown in sales. Builders are offering incentives like rate buydowns to attract buyers, but no specific housing policy changes from the Trump administration are noted. Trade policies, such as tariff adjustments, could indirectly affect construction costs and supply chains, further influencing the market.

On the immigration front, there are no major updates regarding Immigration and Customs Enforcement (ICE) or sanctuary cities and states as of May 13, 2025. Sanctuary jurisdictions, which limit cooperation with federal immigration authorities, remain a point of contention under the Trump administration, known for its hardline immigration stance. While no new executive actions or ICE operations are reported today, Trump’s broader agenda suggests continued pressure on sanctuary states like California and cities like Chicago, possibly through federal funding restrictions or legal challenges. The absence of specific developments indicates this issue is currently overshadowed by international and economic news. Still, it remains a simmering topic likely to resurface.

https://www.youtube.com/watch?v=kHx0OTWo994&t=136s

National GCA Forums News Headline for April 30, 2025

Political and Governmental News

Trump’s Rating Numbers Are At An All-Time Low

As noted by Decision Desk HQ, President Trump’s approval rating has now dropped to an astonishing 44%. This is the lowest rating since his second term inauguration. Such a rating also signifies growing public discontent regarding Trump’s economic and immigration policies, alongside the public discontent fueled by Trump’s policies. The ABC News/Washington Post/Ipsos poll adds to the narrative by suggesting that only 34% of Americans consider the economy favorable, while 37% strengthen the fear side of the equation. This indicates a divided sentiment among citizens.

Federal Layoff Lawsuit Grows Stronger

A group comprising unions, non-profit organizations, and municipal governing bodies is pursuing legal action against President Trump, Elon Musk, and the heads of almost two dozen federal agencies over an inter-federal employment freeze to defend against proposed mass layoffs. This legal push, which was made public on April 29, reflects the anxieties surrounding the potential disruption of government services and economic decline. Conversations on X suggest a lot of public concern about the magnitude and implications of these layoffs.

Stricter Immigration Policies Created

Maintaining the administration’s focus remains the immigration deportation policy, with border cop Tom Homan sounding self-deportation. The backlash has been sparked over some recent deportations, such as the ones involving families who have legal ties residing in the US. The public debate is further fueled by the publicized Colorado Springs raid, wherein over a hundred immigrants were detained at an underground nightclub. Active duty military was reportedly part of the detaining soldiers. Mixed sentiment can be seen in public X, where some people support more enforcement, while others argue about these policies from a humanitarian perspective.

Worries Concerning the Economy

• The Works Project Fears a Recession Only Worse Due to Policies On Tariffs.
• The US economy faced a contraction during the first quarter of 2025, with the reasoning falling on the abovementioned Trump-incurred tariffs, including Canada.
• The NPR report showcases interruptions in trade, including the Ambassador Bridge traffic between Windsor, Ontario, and Detroit, Michigan.
• To soften the inflation outburst, huge companies such as Amazon and Walmart have committed to not shifting the cost of the tariffs onto consumers.

How Project 2025 Affects Policies

• The more leftist Plan was Project 2025, focusing on altering Trump’s policy structure.
• This plan took the conservative action plan stated in Project 2025, which Policy spearheaded.
• The Project by journalist David Graham highlights a heavy restructuring of the Fed, which faces all public and political scrutiny.

Public Safety and Unexpected Happenings

• Ventura County Wildfire Wreaks Havoc on the Communities.
• The Mountain Fire in California’s Ventura County started on Wednesday morning and has strained resources.
• It has injured a couple of people while burning over 10,000 acres of land and houses, and has destroyed several homes.
• However, firefighters can control and manage the fire with the assistance of air tankers.
• This incident highlights the unending problems associated with wildfires and climate resilience.

Charges of Attack Suspect in Vancouver

• Lo Adam Kai Ji, the suspected charger facing trial for the Vancouver festival car ramming incident on April 28, comes out facing eight charges of second-degree murder.
• While this still undergoes trial, the event has shocked the world, claiming 11 victims, one of whom was an infant alongside her parents, leading to widespread mourning.
• This has incited additional conversations around public safety policies.

Illinois and Florida Crashes

• The Chatham, Illinois, after-school camp van crash incident that took the lives of four young people is still being investigated.
• Authorities are currently sifting through video footage as well.
• In very much the same fashion, five victims lost their lives in the Florida Turnpike van crash, which occurred in Osceola County.
• While road safety problems persist, these events have become the center of conversation locally and globally on future structures and how to avoid accidents.

Social and Cultural News

Entertainment Highlights

• Television highlights focus on Pat Sajak’s final season of Celebrity Wheel of Fortune as Good American Family wraps up its season.
• Coverage from TVLine emphasized robust interest from audiences in tune with the unfolding entertainment happenings.

Universal Orlando’s Epic Universe Buzz

• The preview phase for Epic Universe, Universal Orlando’s theme park, continues to draw attention.
• The park includes attractions such as SUPER NINTENDO WORLD.
• Although some ticket dates are already sold out, it is a cultural landmark.
• The excitement buzz is ongoing until May 19.

Betsy Arakawa’s Death

• Betsy Arakawa, wife of Gene Hackman, remains an iconic figure in the public eye with her poignant story sparked by confirmation of her death due to hantavirus pulmonary syndrome.
• With Hackman’s star status, the story continues to garner interest alongside officials illuminating the extent of underpublicized health issues.

Legal and Judicial Updates

Social Media Lawsuit Grows

• The lawsuit that involves the Indian River County School District in a national campaign against social media platforms is gaining interest.
• This lawsuit argues that social media platforms have a damaging impact on students’ mental health, exposing wider concerns about technology, education, and social wellness.

AI in Law

• The remaining portion of this case is the remedy phase, and its new area of focus is AI.
• NPR also mentions that AI chatbots like Grok and ChatGPT are integral to innovation and market competition, which shows AI’s legal and economic importance.

Public Sentiment and Trends

Economic Factors

• Public sentiment shifts via X posts indicate growing divisiveness.
• Economic pessimism reigns supreme.
• According to polls, 29% of Americans feel a negative sentiment toward the economy.
• Trump’s tariff and immigration policies are extremely polarizing,
• Some adore them for their boldness, yet they are criticized for potential economic and social damage.

Cultural Engagement

• With the more lighthearted cultural moments, the most talked about is the fourth episode of the Leap Day series, which is praised for its emotional resonances.
• Fans of the game character Anaxa, who is set to debut soon, also look forward to her release.
• Alongside this heavy news, these trends suggest that the public is seeking escapism.

Health and Safety Considerations

• Concerns have surfaced regarding posts on X about Tom Dwan’s purported injury while at a mental hospital in London.
• Some people, however, dispute the credibility of his account.
• This story, although international in scope, reverberates locally due to the discourse on mental health and safety.

On April 30, 2025, GCA Forums News headlines focus on a nation divided by aggressive politics, a faltering economy, and chaotic events like the Ventura County wildfire. President Trump’s reign continues, with viciously low approval ratings alongside policy blunders. Celebrity Wheel of Fortune and Epic Universe serve as pop culture highlights. Juxtaposed to this content are legal skirmishes over federal layoffs, the social media landscape, and the role of AI in courts, pointing to shifting priorities within society. Readers of GCA Forums News are motivated by these stories that portray an interplay of challenges and resilience in navigating the US terrain.

How do beginners start gardening? Food prices are skyrocketing due to inflation and everything at the grocery store is four to five times the price it was about a year ago. Inflation is not 3%. Politicians are big liars and cannot be trusted. How easy or hard is it to start a garden in your back yard? I live in a single family house with a very small back yard in the city. I do not have a large yard so my space is limited. What should I put on my vegetable garden if I am a beginner? Can you please explain the step by step process on how to start a vegetable garden bed from scratch?

GCA Forums News: National Headline Overview – Monday, April 28, 2025

Updates on Financial Markets: Dow Jones and Other Indices

The Dow Jones Industrial Average decreased about 17 points this morning as the market’s pessimism deepened. Other broad indicators, like the S&P 500 and the Nasdaq, were also down marginally. The current uncertainties regarding the Federal Reserve’s policies and President Donald Trump’s renewed attacks on Fed chair Powell created further headwinds. Markets receive alarming Trump headlines as the danger of Central Bank independence gets speculated, fueling much caution and further exacerbated by recent analysis. There is the sentiment on X that Trump’s comments on Powell are bad for business, thus bringing uncertainty into markets. However, without deeper analysis, these conclusions remain flimsy.

Ten-Year U.S. Treasuries

The ten-year US Treasury note yield increased marginally, trading at around 4.2%, as financial market players evaluated the impact of interest tariffs and inflation estimates. A yield increase is purported to signal sustained inflationary pressure, intensified by some of Trump’s far-fetched Tariff policies.

Precious Metals

The current spot price for gold is $3,324.12 per ounce. This is up 0.13% from yesterday.

Precious Metal Spot Price Change

Gold $3,318.10 -0.4%

Silver $33.17 -0.39%

Platinum $994.35 -0.02%

Palladium $976.85 0.03%

This drives demand for gold to new heights, marking one of the highest recorded. Other precious metals, such as silver, also recorded gains, further bolstered by inflation expectations in the long run.

Other Markets

Performance across global markets was varied. Outdated European indices such as the FTSE 100 and DAX experienced minor drops. At the same time, the Nikkei and other Asian markets performed better. The currency markets also became volatile, with the US dollar slightly dropping against the euro and yen, partially due to concerns surrounding Trump’s trade policies.

President Trump and Federal Reserve Chair Jerome Powell

The US president has always been an avid critic of the Fed, and he doubled down on his anger toward Powell for not being aggressive enough and cutting interest rates to help the economy grow. The former US president’s comments show a stark media presence, and Powell does not seem to have a chance of surviving the X storm. One can only wonder what will happen to investor sentiment on Trump’s economic diatribe.

Is Powell’s Job at Risk?

Loose talk about Powell’s time in office continues. Reports suggest the White House is scheming ways to put him under pressure or remove him. As stated by The Wall Street Journal, there seems to be chatter in the White House about trying to see how markets would react to firing Powell, although nothing concrete has happened. This type of action would need to clear many political and judicial hurdles because the Fed chair is supposed to be autonomous.

Abolishment of the Federal Reserve?

Within the sphere of outlet conversations, especially in the context of Trump’s presidency, one of the most hotly debated topics was the Federal Reserve Board and its abolishment. Nevertheless, there is no clear basis regarding these concerns across the spectrum of reliable sources. The Reserve’s infrastructure is a crucial component of US legislation, and replacing it would entail legislative intervention, which is improbable considering the cross-party support for it. Such arguments tend to gain traction on X, but no evidence supports them.

Federal Reserve and Monetary Management

The Federal Reserve has maintained its benchmark interest rate of 4.75% to 5.00%, claiming it retains it to balance curbing inflation and allowing growth. Expenses on housing and energy sharply contribute to the lifting fee. The Consumer Price Index, or CPI, is still sitting high at approximately 3.5% yearly for the US economy. The Fed’s caution stems from the risk of a resurgence in inflation, particularly from Trump’s proposed tariffs that would raise import prices.

Major Indicators

GDP Growth:

Estimated values indicated that the US economy would expand annually by around 2.8%, yet it turned out to be only 2.5% for Q1 2025. The increase, however, was offset by uncertainties surrounding trade policy.

Unemployment:

The unemployment rate remains steady at 4.1 percent. Still, it shows signs of creeping up in some industries, such as manufacturing, which may result from tariff disruptions.

CPI:

As stated, core inflation (without food and energy) is slightly lower than CPI inflation, at 3.2%. Currently, CPI inflation is at 3.5%.

Real Estate and Housing Market

Demand vs. Housing Inventory

Inventory is still constrained, with an approximate 4 million unit shortage nationally. Demand continues to be fueled by population growth and low housing market turnover speed. High construction costs and mortgage rates are slowing new builds. Urban areas and certain sanctuary cities, like Chicago, feel the brunt of these lashes, contributing to problems with affordability.

Mortgage Rates

Fixed 30-year mortgages are near multi-decade highs, sitting at 7.1%—high treasury yields and Fed policy largely cause this. Adjustable-rate mortgages are also on the rise. Commercial mortgage lending is also taking a hit due to rising office space vacancies and remote working trends. Lending volumes have dropped as the demand for affordability dwindles.

Business Funding and Lending

Commercial Lending:

Banks have greatly tightened lending criteria for commercial loans. Retail and office properties are at the highest risk due to default risk. The industrial and multifamily segments are doing much better due to the demand from e-commerce and housing.

Residential Lending:

Yearly declines of around 15% have been seen in loan originations. This is directly linked to high rates alongside low inventory. First-time buyers struggle with an average home price of 420,000, making it nearly impossible without a sizable upfront sum.

My Notes:

Public and Private Funding:

Venture capital and private equity interest are lower than before. Investors focus more on established companies rather than start-ups. Small business loans are still available but are scrutinized more due to the current economic times.

Tariffs Imposed by Trump

There is already some discussion around Trump’s proposed tariffs, including Chinese imports by up to 60% and 10% – 20% for the other trading partners. Defenders say it protects the American Economy, but undoing it might cause consumer prices to surge. There is a lot of news regarding Trump’s tariffs, which will cause driving forces on the market. WSJ says they are alarmed over the tariffs being part of economic policies. The American automotive and manufacturing industries will be affected more than others, and I will explain this to you below.

The Trends Proposal for Automotive Cars

Domestic Electric Cars:

American electric vehicle manufacturers sustain high domestic sales, but the administration’s policies toward selling electric vehicles are unfavorable.

Exotic Cars:

High-end cars are still doing well, with sales for Ferrari and Lamborghini considerably international. Due to content tariffs, there is no reason to expect further price hikes in European imports.

Light-Duty Trucks:

Workhorse vehicles enjoy healthy demand from buildings and transport. The segment is sensitive to cost increases that could result from tariffs.

Motorcycles:

The motorcycle market is slowing down, with sales declining 8% year-over-year. This is partly due to increased financing costs, high interest rates, and economic tumult.

Fleet Sales:

Stagnant corporate fleet sales have switched to more fuel-efficient and electric alternatives due to soaring fuel and upkeep expenses.

Pam Bondi Government Efficiency Legal Actions:

US Attorney Pam Bondi, who was put in office by Trump, is under the ire of some Republicans and Trump supporters for not going after the so-called “fraud” and “deep state” crimes with a vengeance. Most prominently, those described by the Government Efficiency Department (DOGE), led by Elon Musk and Vivek Ramaswamy. DOGE claims it has found enormous waste and inefficiencies. Musk is claiming to seek out government fraud, spending billions. Yet still, Musk remains without proof of crimes that prosecutors could hold a solid case upon, with no solid evidence pinpointing prosecutable crimes and no major indictments from Bondi’s office.

Why No Arrests?

Legal Thresholds:

To prosecute fraud, you need proof, and the evidence has to withstand scrutiny, something DOGE’s claims might lack; bonds taking the time are easier said than done…

Strategic Focus:

In addition, Bondi can target those other claims, focusing on more severe ones like immigration enforcement or notorious corruption, which puts her sights on the broader agenda.

Media Attention:

Some believe her appearances on Fox News mark legal work as a political spectacle. In contrast, other ‘supporters’ of the legal commentator posit that favorable public perception is vital for future legal actions.

Taxpayer money ~providing welfare, housing, and attending to social health programs~ only compounds the frustration on X, where a section of users starts to wonder out loud about very long arrest timelines or politics hijacking the process—neither of which has evidence.

Sanctuary Cities:

Chicago, Brandon Johnson, and Illinois did not make specific cuts to social welfare for legal and undocumented migrants entering the city who legally reside in Pritzker’s territory.

The Johnson and Pritzker government faces major criticism about their sanctuary cities, especially regarding legal immigration enforcement by the government under Trump. Chicago’s sanctuary status has brought conflict with federal law enforcement agencies over the interception of international transport lines. At the same time, it was an economic and psychological tactical advantage with John as the mayor. Pritzker has more or less refused pressure, saying Illinois has always supported pilgrims.

Obstacles:

Both face increased spending from bailouts designed to stimulate the economy when housing and social demand from migrants grow, and services drop. Worse yet, homelessness in the Windy City has an increased number of people without permanent housing, and even shelters are full.

Public Sentiment:

The posts on X highlight mixed perceptions, with some viewing sheltering migrants as supporting humanity, while others comment delusionally, claiming they prioritize non-citizens over citizens. This cannot be measured, so these statements are outliers.

Democratic Judges and Immigration

Democrat-affiliated judges, like a Wisconsin judge and a New Mexico judge and his wife, have received attention for supposed leniency concerning illegal migration. These cases, along with other immigration-related legal proceedings, are picked heavily by Trump supporters to showcase what they deem a ‘deep state’ that exists to protect illegal immigrants and undocumented individuals. Yet, the details are less than clear.

Wisconsin:

A lawyer’s decision to set bail on an immigration enforcement action has been criticized. Still, many legal scholars believe such decisions are often slow to adapt to change. They are based on precedent and the specifics of the case.

New Mexico:

A judge and his wife are accused of exercising insufficient rigor regarding procedural strictness. They have not been formally charged with anything, and the investigation is ongoing.

While these cases contribute to an ‘epidemic’ of court bias, the events appear more scattered than systematic. Many judicial trends lack information that must exist to properly understand how extensive the issue is.

On April 28, 2025, the national news landscape focused on the economic cloud, ranging from Trump’s criticisms of the Fed, his proposed overall market tariffs, and constant market swings. The real estate and automotive industries are strained due to interest rates, cost pressures, and bond-level politics, with sanctuary city policies also providing legal immigration firestorms. Everyone is questioning the Federal Reserve’s ever-winding future and the fate of Powell’s term. Still, claims of their erasure seem immensely overblown. GCA Forums News will track these developments for our sponsors, members, and viewers.

https://www.youtube.com/watch?v=llwSgrGE3d8&list=PLo3dZB8Cn9Qv4mTNMcJfAuCBn6JOEIBLv

Mobile home parks are great investments and are becoming increasingly popular and profitable. Who finances Mobile Home Parks and how do you qualify. What are the financing guidelines of Mobile Home Parks

Below are the steps to create a business directory:

Step1: Click on business form top or here is link https://gcaforums.com/business/

Step 2: Click on Create a Business

Step 3: Enter the details like Business Name, Business Description and select the category of your business and click on create business blue button.

Step 4: Upload business profile picture and click on next button.

Step 5: Upload the cover photo and click on visit business

Now you business page created. Now there are more addition information which you can add in your business page like phone number, address , social media links etc.

So for these setting go to your business page which you created and click on Setting option. Where you can add all information which you want.

Dually Licensed Realtor and MLO Career Opportunities also known as Business Development Manager where a licensed realtor partners up with a NMLS licensed loan officer and gets paid his or her real estate commission as well as commission on the same homebuyer’s mortgage loan origination commission. The partnering loan officer normally does all the work and the real estate agent gets to choose which loan officer will be their partner. In order to get paid, the real estate agent needs to get NMLS licensed in one state. Can you please explain more about the Dually Licensed real estate agent and mortgage loan originator BDM career program?

As of April 8, 2025, the following news highlights have captured national attention and will be the focus of GCA Forums News. This report creates a curated summary while analyzing the specific topics regarding real estate, real estate pertaining to housing and the economy, financial indicators, Trump’s tariffs, and DEI (Diversity, Equity, and Inclusion) initiatives. Addressing the current date and the details conjectured to be missing, we attempt to provide a reasonable approximation in conjunction with tempered analysis.

GCA Forums News: National Headline Overview – Tuesday, April 8, 2025

With this note, we welcome you to the GCA Forums News update for April 8, 2025, at precisely 11:13 AM PDT. Our headlines for today cover everything from mortgage rates, the rest of the world’s economy, financial concerns, and real estate and housing. Today, we will tackle policy issues regarding tariffs and initiatives encompassing DEI. Here’s the latest across the states.

Real Estate and Housing News

As of early 2025, the real estate market still commands the focus of national attention. Particularly in metropolitan and suburban areas, housing inventory continues to lag behind demand, raising the prices of homes. Analysts cite a persistent shortage of affordable homes, and builders trying to increase supply face high material costs and regulatory hurdles. Construction on residential homes has grown modestly but won’t keep pace with population-driven demand in high-growth states like Texas and Florida. On the commercial side, office vacancies stabilize as hybrid work models solidify. However, the retail and industrial sectors show resilience due to e-commerce and logistics needs.

Current Mortgage Rates and Interest Rates

• As of April 2025, mortgage rates are sitting within a volatile band because of the Fed’s latest moves.
• The average rate on a 30-year fixed mortgage is just under 7% at 6.5%, which aligns with tighter inflation policy.
• Inflation and other interest rates have also been increased incrementally, making the federal funds rate rest around 4.5% and 5%.
• Because of this new environment, potential homebuyers and businesses looking for infusion expansion cap are borrowing much less.
• There is also a lot of chatter about mortgage lending, loan programs, fixed-rate mortgages, adjustable-rate mortgages (ARMs), and FHA loans as the economy is now coming out of the bear market.

The Economy, Unemployment, and Federal Reserve Board

The economy of the United States is experiencing a mixed performance, culminating in the second quarter of 2025. The country’s Gross Domestic Product (GDP) is expected to rise slowly at a pace of 2% annually. This is lower than the anticipated growth due to global uncertainties and internal domestic policies. Furthermore, the unemployment rate has risen marginally to 4.2%, indicating a cooling within labor market opportunities. This is offset by strong demand within the technology and manufacturing sectors. Moreover, the unemployment figure is lower than the overall average, and the Federal Reserve Board still manages to contain inflation issues. Higher inflations lead to persistently higher interest rates, and employment numbers fuel inflation rate trends. The Fed’s latest announcements indicate a wait-and-see approach, which means no rate cuts shortly unless the economy tumbles significantly.

Consumer Price Index (CPI) and Inflation

Recent statistics from the Consumer Price Index (CPI) reveal that Inflation is stabilizing, with other sectors refocusing their attention on containing overall spending. However, the pace is moderately below the Fed’s set target of 2%, currently projected to fall between 3.5%-4% year over year. Rates concerning core inflation are still persistent as they do not account for the food and energy sectors. The favorable housing market and auxiliary powers mostly drive them. The unrelenting strain places policymakers fraught with concern regarding mortgage rates and overall spending capabilities, which are critical for the economy.

Housing Inventory vs. Demand

• The difference between inventory and demand for housing continues to be a problem that needs addressing.
• The nation’s supply of homes for sale is estimated to last under four months, meaning homes are truly in short supply.
• This fuels further price increases.
• The shifting demographics of older millennials and people moving to Sunbelt states keep demand frothier than softened due to high borrowing costs.
• Without massive policy changes or a sharp construction increase, the gap will likely persist through 2026.

Dow Jones, Precious Metals, and Market

The company’s Dow Jones Industrial Average has been pretty rocky, caught between 42,000 and 43,000 due to investors weighing company earnings against macroeconomic headwinds. Interest in precious metals has also risen recently as selling gold is about to reach $2,800 per ounce in the face of geopolitical turmoil and inflation concerns. Further markets like bonds and commodities are expressionless. Energy prices are in limbo because of the global supply situation.

Business, Commercial, and Residential Mortgage Industry

The industry is changing in response to the heightened interest-rate climate. Home refinances have reached a standstill because most homeowners are sitting on low rates. At the same time, new originations have also slowed down. Commercial mortgages are scrutinized as property valuations adjust to the new work-from-home realities. However, investment is shifting to industrial and multifamily properties. Targeting specific borrowers with loan programs such as VA, USDA, and jumbo loans remains instrumental to lenders. New products like green mortgages for eco-friendly homes are becoming a trend in mortgage lending.

Economic Impacts of Trump’s Tariffs

Debates rage on the projected impacts of Trump-era tariffs, which are assumed to be kept or reinstated in 2025. Tariffs placed on imports, especially from China, would likely increase domestic manufacturing and consumers’ cost of living. Businesses that depend on supply chains will also face these challenges. Inflation is estimated to increase by 0.5% – 1%, worsening the existing constraints on budgets due to Inflation in housing. Unemployment is also expected to experience dual effects simultaneously: the construction of new jobs within protected industries and the loss of jobs within export-centric industries. If we see an advancement in Inflation, interest rates will also surge, leading to a Hawkish Fed response. Economic data falls short, attributing a lack of trade efficiency touted by supporters of self-reliance.

What is DEI and How is it Impacting the Nation?

Diversity, Equity, and Inclusion (DEI) are policies and programs that seek to improve the representation and fairness of the employees and constituents by race, gender, and other identities in a given workplace, school, or public policy. DEI remains controversial in 2025. Supporters believe that including more people fosters innovation, citing evidence that diverse teams perform better by overcoming inequitable barriers associated with new ideas. As a counterargument, critics insist that identity politics may take precedence over objectively assessed qualifications, affecting what jobs people get—like lending policies. Where some assume DEI objectives influence risk assessment or loan approval processes. Its national impact is contentious: some argue it shifts the culture of corporations and government towards wokeness, and others suggest it is a fragmentation issue that distracts attention from economic concerns. Evidence on its net impact has been inconclusive, with mixed results depending on how it’s done.

As of April 8, 2025, the U.S. finds itself in the middle of a tightening economy, a housing crisis, and increasing political gridlock. From the intersection of mortgage interest rates, Trump’s tariffs, and DEI’s role in society, all of these formulate the next steps for the country. Keep following GCA Forums News as the stories develop to receive real-time changes in these situations.

This is an attempt at a neutral overview based on the facts I had available up until April 8, 2025. It sidesteps judgmental speculation while trying to provide all the necessary details. I would happily provide a deeper analysis of any section if requested.

https://www.youtube.com/watch?v=9GbhozrauR8

GCA Forums Headline News:

Report Overview For the Weekend Edition (March 24 – March 29, 2025)

Summary

GCA Forums Headline News will use the enhancements offered in the new report to increase interactions with homebuyers, real estate investors, mortgage professionals, and business zealots. Based on the viewer poll feedback, we will focus on providing valuable, timely content that is engaging and relevant. This week’s edition will feature multiple key categories that focus on increasing site visits and audience interaction, such as updates on mortgage markets, housing news, economic news, and other relevant updates.

Key Highlights

Updates On Mortgage Markets And Interest Rates

The changes in mortgage rates are of great importance to a portion of our audience. Therefore, we will provide daily updates about mortgage products such as conventional loans, FHA, VA, and non-QM loans. The following will be discussed in detail:

• Impacts of the daily changes in mortgage rates.
• Strategies enacted by the Federal Reserve on the lending policy and its subsequent impacts.
• Shift in credit scoring system along with debt-to-income ratio and its impact on approvals granted for granting mortgages.

Housing Market Updates and Indicators

This will review the available data on the housing market, focusing on home sales, pricing, and inventory levels. The following will be covered in depth:

• The lack of affordability for entry-level houses for new homebuyers.
• Changes to price indexes of homes and the most favorable areas for purchase or sale.
• Developments within the rental market pertain to multifamily rental buildings.

Reports on Inflation and the Federal Reserve

Since inflation influences mortgage rates and the affordability of homes, we will focus on

• Important documents such as the CPI and personal consumption expenditure index.
• Predictions of rate changes and their effect on real estate.

Economic Reports and Trends in Employment

The relationship between the economy and the housing market will be assessed about:

• The latest available monthly employment statistics and wage increases.
• The relationship between increases in GDP and the availability of mortgage credit and house prices.

Government Policy and Regulation of Housing

Our readers will need the latest information about new policies relating to the housing market and mortgage regulations.

The major focus will be on

• The deal will change the upper limit of loans and introduce tax incentives for house buyers.
• Legislation on the regulation of the protection of tenants’ rights, together with programs for stopping foreclosure on homes.

Guidelines for Putting Money in Real Estate

Since there is increasing interest in real estate and property markets as sophisticated investment vehicles, we would like to provide expert-backed guidance on:

• The best places to buy rental properties are ones that will give a deal and make a profit.
• Predictions for the short-term rental markets, multifamily investments, and other emerging sectors.

Economic and Financial News

The combination of real estate news alongside business headlines will be done here, bringing emphasis on the following:

• Developing activities in the stock exchange and what that means for real estate.
• News on the banking industry concerning small business loans.
• Distressed Properties and Real Estate Foreclosures

Because of constantly changing economic conditions, we will look at

• Current changes in foreclosure rates and how these gaps are becoming popular with investors.
• Help is available to owners facing financial difficulties wishing to prevent foreclosure.

Participation and Debates

To increase audience interest, we will compile popular issues discussed on the GCA Forums, such as:

• Q&A sessions with industry experts and summary notes of important conversations on the forum.
• Popular real estate news that appeals to the general public and is performed by community members.
• Much information is needed to motivate and engage readers that break down complex topics about mortgages and current events with professional analysis in the GCA Forums Daily Headline News.

Focusing on equitable solutions will make GCA Forums News a one-stop real estate and finance hub. Still, this week’s report will also become the go-to tool to put knowledge into action to empower our community.

Good evening ✨

I am looking for a reputable company selling trade lines, so that I can recommend them to a current client of mine.

Thank you all so much for any pointers!

Best Regards,

-Janna

What Are the Gaps in Employment Guidelines for a Mortgage? Can a borrower qualify and get approved for a mortgage with gaps in employment in the past two years? What if a homebuyer or homeowner goes from a 1099 job to a W2 job or vice versa? What if the gaps in employment are in a different field? How do mortgage underwriters view probationary jobs such as police officers or firefighters? How do they view those type of jobs if they are hired a probationary police officers and probationary fire fighters?

Portland’s downtown is in freefall, with property values plummeting 57% since 2019, from $3 billion to just $1.3 billion. City leaders blame remote work, but the real culprit is the rampant crime, homelessness, and lawlessness that have turned once-thriving business districts into ghost towns. Portland is hemorrhaging businesses, tax revenue, and economic vitality as companies flee to safer, more business-friendly environments like Texas and Florida. The city anticipates a $33 million tax revenue loss over the next five years, further crippling essential services like police and fire departments. Despite this crisis, city officials ignore the glaring issue: out-of-control crime and public disorder. Instead, they propose unrealistic solutions like shifting the focus to arts and culture. Unless leadership enforces real law and order, downtown Portland will continue to decline, proving once again the devastating consequences of progressive urban policies.

https://youtu.be/Y6LLJn1otfc?si=0tFqEuxKwyIjYNnG

This is the latest in national headline news pertaining to real estate, housing, mortgage and interest rates, the economy, unemployment, the Federal Reserve Board, Consumer Price Index (CPI), GDP, housing inventory versus demand, the Dow Jones, precious metals, other markets, and the entire commercial and residential mortgaging industry, effective Tuesday, March 18, 2025.

Economic Overview

In their latest analysis, U.S. economists have indicated that they expect a deceleration in the growth rate of the U.S. economy, revising their 2025 outlook from 2.3% to 1.6%. This slowdown is expected due to recently enacted tariffs and uncertainty around policy related to consumer and business spending. Inflation also seems to be on the rise, with the core personal consumption expenditures price index expected to reach 2.8% by year-end 2025.

Federal Reserve and Interest Rates

Federal Reserve started its two-day policy meeting today. It is widely expected that they will keep the interest rates where they are. The Fed is under a lot of scrutiny and investors are looking for commentary surrounding the Fed’s guidance on future monetary policy, particularly given the recent economic slowdown.

Mortgage Rates and Housing Market

Mortgage rates, on the other hand, have had minor increases recently.

As of March 2025, the twenty-five-year fixed mortgage interest rate is 6.65%, while the fifteen-year one stands at 5.8%. Despite these new rates, the housing market still struggles to sustain affordability. The high prices of homes combined with elevated mortgage rates are set to last until 2026. This trend will continue and worsen the housing crisis.

Demand and Supply of Housing Inventory

The United states is experiencing a grave issue, a lack of homes. There is an estimate of a gap of 3.8 million homes for people to buy. Single family home building did see an 11.4% increase during February but that along with the new building permits becoming forward-looking indicators offers a break of 0.2%. Permitting and subsequent construction put a lot of strain on the mounting pressure to construct affordable housing and worsening the home price.

Unemployment Rate

The specific figure for unemployment in March 2025 is still pending, however, recent layoffs, including but not limited to the Department of Health and Human Services, treasury, and agriculture funding offices, have increased concerns over rising numbers for the unemployment rate. We estimate this trend to have lasting effects on consumer spending and the economic growth.

Stock Market Update

America’s stock prices have dipped today, attributing this to anxieties surrounding the changes proposed with tariff policies and the coming Federal Reserve Meeting.

The Dow Jones Industrial Average ETF (DIA) is valued at $415.61, reflecting a decrease of 0.86%.

Other Precious Metals Outlined

Precious metals have displayed a varied performance:

• Gold: SPDR Gold Shares ETF (GLD) trades at $280.03, showing an increase of 1.19%.
• Silver: The iShares Silver Trust (SLV) is currently trading at $31.05, an increase of 0.78%.
• Platinum: Granite Shares Platinum Shares (PLTM) are trading slightly lower at $9.68, down 0.31%.
• Palladium: The abrdn Physical Palladium Shares ETF (PALL) is currently trading at $88.42, down by 0.27%.

Residential, Business, and Commercial Mortgages

This mortgage sector is currently dealing with volatile interest rates and economic uncertainty. With these dynamics, lenders compete with one another with different loan programs to target different borrowers. Some of the main mortgage lending keywords are:

Fixed-Rate Mortgages:

These are loans with constant interest rates throughout the loan.

Adjustable-rate mortgages (ARMs):

• These loans have interest payments that vary at set intervals depending on the current rates.

FHA Loans:

• These loans are insured by the Federal Housing Administration and are aimed at first-time home purchasers.

VA Loans:

• These are loans guaranteed by the Department of Veterans Affairs and are offered to current service members and veterans.

Jumbo Loans:

• Loans larger than the conforming home loans that Fannie Mae and Freddie Mac set.

Refinancing:

• The action of obtaining a new mortgage to pay off an existing one due to better terms or interest rates.

In short, the U.S. economy is in turmoil due to policy changes, trade wars, and stock market volatility. These affect real estate and housing prices, mortgage rates, and the economy.

We will cover a comprehensive overview of the national headline news for GCA Forums News for ​Monday, March 1​7, 2025 and discuss real estate and housing news, mortgage rates, interest rates, the economy, unemployment, the Federal Reserve Board, CPI, GDP, housing inventory versus demand, the Dow Jones, Precious Metals, as well as other markets, We will cover President Donald Trump’s federal income tax cuts and the President exempting income tax for wage earners making less than $150,000? We will extensively cover how tariffs work and what that will do to our economy.

Below is the national headline news summary for GCA Forums News on Monday, March 17, 2025. This report overviews the various real estate and mortgage lending sectors, the economy, and pertinent government policies. Topics of interest include housing data, mortgage activity, interest rate changes, economic activity such as unemployment statistics, Fed’s decisions, CPI, GDP, markets including the Dow Jones, and precious metals. Finally, Trump’s federal income tax cuts include his recent tax exemption policy for wage earners under $150,000. We also elaborate on some tariffs and what they might do for the economy.

Real Estate and Housing News

Housing Inventory vs. Demand:

Current Landscape:

• Analysis of the housing market shows an increase in demand and a relative decrease in the supply of available housing units for sale in suburban and urban areas.
• This means that heightened market competition amongst earners and investor classes drives home sales and prices steeply upwards regionally and nationally.

Key Insights:

• The available housing inventory, supply, sales volume, and pricing trends suggest that the region is not devoid of new construction, such as smart planning.
• However, an adequate supply in urban planning will be met in a few quarters.

Real Estate News, Home Sales, Property Listings, Housing Inventory, Market Demand

Mortgage Rate and Interest Rates

Rate Trends:

• The average daily mortgage rate (conventional, FHA, VA, DSCR, non-QM loans) influences demand as lenders respond to shifts in both domestic and international conditions.
• Current reports indicate credit availability, albeit with fluctuations, as lenders react to credit scores, DTI ratios, and other regulatory changes.

Lender Updates:

• Financial services have expanded loan programs to include a wider circle of borrowers.
• These borrowers benefit from automated digital applications, aggressive ads targeting refinance mortgages, new originations, and lower-priced mortgage options.

Mortgage Lending Loan Programs:

• Refinancing, Mortgage Rates
• Loan Programs
• Mortgage Lending
• FHA loans
• VA loans
• DSCR loans
• non-QM loans

Interest Rates and Actions of the Federal Reserve

Policy Modifications:

• The Fed Board examines the inflation question cautiously, applying “increments” in the federal funds rate to contain the economy.
• These actions alter the parameters of both mortgage and consumer interest rates, thus equally increasing the expenses associated with borrowing for homebuyers and businesses.

Market Effects:

• With movements in interest rates, mortgage specialists recommend that their clients be flexible in maneuvering between effective financing options to utilize favorable rate conditions while bracing for anticipated increases.

Economic Overview Broad Economic Indicators

Unemployment & GDP:

• Current reports point to an uneven economic recovery with slight improvements in unemployment figures while the GDP grows steadily.
• Still, some industries struggle with labor shortages that may hinder sustained productivity.

CPI and Inflation:

• As with any other economy, inflation within the economy needs to be checked.
• The Consumer Price Index (CPI) is an important marker as its ever-growing value impacts purchasing power, mortgage rates, and consumer confidence.

Dow Jones and Market Performance:

• The Dow Jones Industrial Average, along with many other indices, is on the rise, though slightly, which indicates that investors, on the whole, are confident, albeit cautious, regarding the state of the economy.

Precious Metals and Other Markets:

• Due to market instability, precious metals such as gold and silver are now receiving much more attention as ideal investments.
• Commodities and cryptocurrencies display volatile movements, thus affecting global markets and calling for re-evaluating financial policies.

Tax Policy and Government Initiatives President Donald Trump’s Tax Reforms

Federal Income Tax Cuts:

• The latest policy changes introduced a reduction in the federal income tax, which, according to Donald Trump, will stimulate economic activity by enhancing the disposable income of citizens and businesses.

Exemption under Tax for Wage Earners:

• Trump has implemented federal tax exemptions for wage earners with annual salaries below $150,000.
• The initiative aims to stimulate spending and ensure middle-class households remain financially protected.

Impact Analysis:

• These tax exemptions and grants will result in short-lived economic growth.
• However, experts state that sustained changes to budgetary spending and confidence in the market will rely on supplemental economic policies, which is concerning.

Tariffs and Their Economic Impact

Understanding Tariffs:

Definition & Function:

• Tariffs are government-levied taxes on foreign goods to increase domestic revenue, lower foreign competition, and protect local businesses.
• They can also be used to finalize agreements on exports and imports or to cover the deficit in international trade.

Economic Effects

Short-Term:

• Imposing tariff taxes will result in inflation and increased costs for businesses and customers regarding imported goods.
• Consequently, increased prices for imported goods will hurt the economy in the short term.

Long-term:

• Self-sufficiency policies accompanying tariff protections can enhance domestic industry import reliance.
• However, retaliation from foreign trade countries can harm the smooth flow of business and international relations.

Broader Impact:

• Implementing tariffs is a balancing act. While they can effectively shield specific domestic industries, policymakers need to consider the possible consequences, including increased production costs, lower market competitiveness, and potential trade wars that could harm economic growth.

Final Overview:

• GCA Forums News has developed an analysis of the real estate mortgage lending acceleration and other relevant metrics for the national headline news, which will air on Monday, March 17, 2025.
• The report takes a closer look into critical issues such as the persistent housing inventory problem and the recently registered competitive rates for mortgage lending, the Fed’s recent decisions, and other economy-wide indicators, including unemployment, CPI, and GDP. In the coverage, emphasis is also put on the broad damage posed by President Trump’s federal tax reforms and his recently announced policy of excluding wage earners below $150,000 from taxes, not to mention the detailed explanation of the workings of tariffs and their consequences on the US economy.

This strategy, mortgage lending, loan programs, housing inventory, and trade policy keyword targeting makes GCA Forums News the go-to source for real estate professionals, home buyers, investors, and business people. The commentary and analysis are crafted to help the readers understand the context of their particular situation with the economy and equip them with the tools they need to be successful.

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Intelligent, and entertainment. Look at how he wants to please his fans at tge zoo. Extremely loving and very loveable. Watch this short video clip.

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https://youtu.be/uz71vherzZk?si=713O0RFPDdvfKba4

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

GCA FORUMS HOUSING AND MORTGAGE NEWS for Wednesday, February 19th, 2025. President Donald Trump is going full steam ahead with uncovering what seems to be the largest fraud and corruption in the history of the United States with the help of Elon Musk and the new federal Department of Government Efficiency (DOGE). Elon Musk has been in charge of DOGE just for three weeks, and he has uncovered trillions of dollars of fraud, corruption, and blatant irresponsible spending that no doubt has been used to embezzle taxpayer funds. The fraud and corruption include paying millions of dead people social security checks and benefits. There are recipients for these stolen taxpayer funds. President Donald Trump said that the fraud Elon Musk discovered was not even 1.0% of what is coming. Potential hundreds of billions of dollars worth of fraud that Trump and Musk are expecting to reveal are from many federal giant agencies that can and will affect the housing and mortgage marketplace, which will affect homeowners and homebuyers. The agencies that affect the housing sector and mortgage markets in the United States include the Federal Reserve Board, the Consumer Financial Protection Bureau (CFPB), the Internal Revenue Service (IRS), the Department of Housing and Urban Development (HUD, which is the parent of the Federal Housing Administration or FHA), the Department of Defense (the Pentagon), the Department of Veterans Administration, and the United States Department of Agriculture (USDA and USDA Loans). Fannie Mae, Freddie Mac, the United States Treasury, the Department of Homeland Security, the U.S. Health and Human Services, and countless other federal agencies and third-party contractors. Another important issue that affects homeowners and homebuyers is property taxes. There are many talks and debates concerning the legality and legitimacy of property taxes on single-family homes. Many homeowners, especially the elderly, President Trump is thinking of abolishing the IRS, federal income taxes, and property taxes. President Trump is also thinking about giving the American people a stimulus check from the fraud that was committed. This is a developing story from GCA FORUMS NEWS. With the abolishment of the Federal Reserve Board, interest rates is going to drop and inflation will get back to normal because the Federal Reserve Board can no longer print U.S. Currency and the dollar will be backed by Gold and Silver.