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	<title>Great Community Authority Forums | Marcos | Favorites</title>
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				<title>Marcos replied to the discussion GCA Forums News for Monday June 8 2026 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-monday-june-8-2026/#post-37401</link>
				<pubDate>Thu, 11 Jun 2026 06:52:34 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-june-8-2026/#post-37401"><span class="bb-reply-lable">Reply to</span> GCA Forums News for Monday June 8 2026</a></p> <div class="bb-content-inr-wrap"><p>This video, presented by Nicholas Gerli of Reventure Consulting, analyzes the significant decline in real estate investor activity in the U.S. housing market, which he describes as the biggest exodus since 2008.</p>
<p>Key Takeaways:</p>
<p>Investor Collapse: Nationally, investor home purchases have plummeted over 50% from their pandemic peak, hitting levels&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28760"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-june-8-2026/#post-37401" rel="nofollow"> Read more</a></span></p>
<iframe title="The Biggest Exodus since 2008 is happening now (Redfin reports 70% drop in FL)" width="640" height="360" src="https://www.youtube.com/embed/r4z0cSwdsTM?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Gustan Cho replied to the discussion UWM and Rocket Mortgage 1% rate buydown for free for first year in the forum Mortgage and Real Estate News</title>
				<link>https://gcaforums.com/topic/uwm-and-rocket-mortgage-1-rate-buydown-for-free-for-first-year/#post-37392</link>
				<pubDate>Wed, 10 Jun 2026 03:56:21 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/uwm-and-rocket-mortgage-1-rate-buydown-for-free-for-first-year/#post-37392"><span class="bb-reply-lable">Reply to</span> UWM and Rocket Mortgage 1% rate buydown for free for first year</a></p> <div class="bb-content-inr-wrap"><p>Hi Gustan,</p>
<p>If you&#8217;re working with clients who feel stuck between staying put and making their next move, HomeLight&#8217;s <a target='_blank' href="https://cz7b404.na1.hs-sales-engage.com/Ctc/RG+23284/cz7b404/JkM2-6qcW6N1vHY6lZ3lCVYCX0G9lZKVhW6tPnQT4gL0QQW4GbYlq40zwfjN3nMWy7HRCp1W78q7gS932VhwW1tqLQF7MMYtSW8ZrnX665MpzKW3Wh1m_1QqHC1N5HZYGxt9jH1W8l1HJm6J21kQW7C9Y0h8FXQ89W67fsw690QZWyW13wgjC8yZf1jW5W3wy26GXT9jW5Nfr8M3RWqf5W3mXZSX7XvJFKW2g2Mqb19hP0zN8q0PVrd5TJ-N4RLBfhb4mrVW8LPRvy7nlMQmW2KVC3t6p-g2RV47Nt-2zdzCnf8mJcDq04" title="Buy Before You Sell (BBYS)" rel="nofollow">Buy Before You Sell (BBYS)</a> paired with UWM&#8217;s 1-0 lender-paid buydown can be a powerful solution.</p>
<p>BBYS helps qualified homeowners purchase their next home before selling their current one, while UWM&#8217;s buydown can help ease&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28754"><a href="https://gcaforums.com/topic/uwm-and-rocket-mortgage-1-rate-buydown-for-free-for-first-year/#post-37392" rel="nofollow"> Read more</a></span></p>
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				<title>Gustan Cho replied to the discussion My Dog is a Republican in the forum Pet Lovers Place</title>
				<link>https://gcaforums.com/topic/my-dog-is-a-republican/#post-37391</link>
				<pubDate>Wed, 10 Jun 2026 03:03:54 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/my-dog-is-a-republican/#post-37391"><span class="bb-reply-lable">Reply to</span> My Dog is a Republican</a></p> <div class="bb-content-inr-wrap"><p>Final set of photos of my little rascals</p>
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				<title>Gustan Cho replied to the discussion My Dog is a Republican in the forum Pet Lovers Place</title>
				<link>https://gcaforums.com/topic/my-dog-is-a-republican/#post-37385</link>
				<pubDate>Wed, 10 Jun 2026 03:00:49 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/my-dog-is-a-republican/#post-37385"><span class="bb-reply-lable">Reply to</span> My Dog is a Republican</a></p> <div class="bb-content-inr-wrap"><p>MORE PHOTOS OF MY BABIES They love going for rides. </p>
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				<title>Gustan Cho replied to the discussion My Dog is a Republican in the forum Pet Lovers Place</title>
				<link>https://gcaforums.com/topic/my-dog-is-a-republican/#post-37379</link>
				<pubDate>Wed, 10 Jun 2026 02:58:46 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/my-dog-is-a-republican/#post-37379"><span class="bb-reply-lable">Reply to</span> My Dog is a Republican</a></p> <div class="bb-content-inr-wrap"><p>Great day today. Took Chase, Skylar, Big Girl Sage, and Gunner to UBREAKIFIX Computer Shop to visit Kai Knight to have Samsung Tablet adjusted and my Dell Computer programmed. Sage enjoyed the trip.</p>
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				<title>Tom Miller replied to the discussion Chem Trails in the forum Controversies</title>
				<link>https://gcaforums.com/topic/chem-trails/page/3/#post-37373</link>
				<pubDate>Wed, 10 Jun 2026 02:49:37 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/chem-trails/page/3/#post-37373"><span class="bb-reply-lable">Reply to</span> Chem Trails</a></p> <div class="bb-content-inr-wrap"><p>I think political leaders and politicians need to clear up the chemical trails sprayed by jets in the air. If ita conspiracy theory and GLOBALISTS LIKE BILL GATES, Former President Barack Obama and Dr. Anthony Fauci is not trying to depopulate the World population by killing people who are 70 years of age and older thenlets have a Town Hall&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28750"><a href="https://gcaforums.com/topic/chem-trails/page/3/#post-37373" rel="nofollow"> Read more</a></span></p>
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				<title>Tom Miller replied to the discussion UWM and Rocket Mortgage 1% rate buydown for free for first year in the forum Mortgage and Real Estate News</title>
				<link>https://gcaforums.com/topic/uwm-and-rocket-mortgage-1-rate-buydown-for-free-for-first-year/#post-37372</link>
				<pubDate>Wed, 10 Jun 2026 02:20:57 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/uwm-and-rocket-mortgage-1-rate-buydown-for-free-for-first-year/#post-37372"><span class="bb-reply-lable">Reply to</span> UWM and Rocket Mortgage 1% rate buydown for free for first year</a></p> <div class="bb-content-inr-wrap"><p>The free 1.0% buy down the first year seems to be a great deal with no hidden fees or tricks. I will research this product more tomorrow and post my findings. </p>
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				<title>Tom Miller replied to the discussion GCA Forums News for Monday June 8 2026 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-monday-june-8-2026/#post-37371</link>
				<pubDate>Wed, 10 Jun 2026 01:28:02 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-june-8-2026/#post-37371"><span class="bb-reply-lable">Reply to</span> GCA Forums News for Monday June 8 2026</a></p> <div class="bb-content-inr-wrap"><p>The video, presented by Real Estate Mindset, argues that the current economic crisis is a result of systemic socialism disguised as capitalism, specifically driven by the Federal Reserve and school district spending. The hosts, Travis Spencer and Mitch Vexler, use personal testimonies from individuals struggling with the cost of living&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28748"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-june-8-2026/#post-37371" rel="nofollow"> Read more</a></span></p>
<iframe title="DON&amp;apos;T QUIT YOUR JOB | Labor Market DEAD" width="640" height="360" src="https://www.youtube.com/embed/U_Ebg9RoysY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Tom Miller replied to the discussion One-time Close New Construction on Two Unit Multi-Family in the forum Ground Up One-To-Four Unit Multi-Family Loans</title>
				<link>https://gcaforums.com/topic/one-time-close-new-construction-on-two-unit-multi-family/#post-37369</link>
				<pubDate>Wed, 10 Jun 2026 00:55:34 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/one-time-close-new-construction-on-two-unit-multi-family/#post-37369"><span class="bb-reply-lable">Reply to</span> One-time Close New Construction on Two Unit Multi-Family</a></p> <div class="bb-content-inr-wrap"><p>Here is a comprehensive detailed overview analysis about the one-time close new construction loan.</p>
<p>One-Time Close Construction Loan: One Closing, Big Relief <a target='_blank' href="https://share.google/8ICARPLbTRZhPbLp8" rel="nofollow">https://share.google/8ICARPLbTRZhPbLp8</a></p>
<div class="bb-link-preview-container"><div class="bb-link-preview-image"><div class="bb-link-preview-image-cover"><a href="https://share.google/8ICARPLbTRZhPbLp8" target="_blank"><img src="https://gcaforums.com/wp-content/uploads/2026/06/One-Time-Construction-Loan-Close-Mortgage-Program.jpg" /></a></div></div><div class="bb-link-preview-info"><p class="bb-link-preview-link-name">share.google</p><p class="bb-link-preview-title"><a href="https://share.google/8ICARPLbTRZhPbLp8" target="_blank" rel="nofollow">One-Time Close Construction Loan: One Closing, Big Relief</a></p><div class="bb-link-preview-excerpt"><p>One-time close construction loan is an acquisition and construction loan all in one closing. Once construction is done, it turns to a permanent loan.</p></div></div></div></div>]]></content:encoded>
				
				
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				<title>Gustan Cho started the discussion One-time Close New Construction on Two Unit Multi-Family in the forum Ground Up One-To-Four Unit Multi-Family Loans</title>
				<link>https://gcaforums.com/topic/one-time-close-new-construction-on-two-unit-multi-family/</link>
				<pubDate>Tue, 09 Jun 2026 23:01:58 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/one-time-close-new-construction-on-two-unit-multi-family/">One-time Close New Construction on Two Unit Multi-Family</a></p> <div class="bb-content-inr-wrap"><p>I know UWM does ONE-TIME CLOSE NEW CONSTRUCTION ON ONE TO FOUR  UNIT MULTIFAMILY HOMES</p>
<p> I have a owner occupant two unit primary home occupant ONE-TIME CLOSE NEW CONSTRUCTION homebuyer and I have a OBE-TIME CLOSE Two Unit Multi-Family Investor</p>
<p> Need to know type of loan program, LYV, abd terms of the loan</p>
<p> Thank you </p>
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				<title>Michelle replied to the discussion How to Get Descent Organic Mortgage Leads in the forum Bankers, Lenders and Mortgage Brokers</title>
				<link>https://gcaforums.com/topic/how-to-get-descent-organic-mortgage-leads/#post-37367</link>
				<pubDate>Tue, 09 Jun 2026 14:22:37 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/how-to-get-descent-organic-mortgage-leads/#post-37367"><span class="bb-reply-lable">Reply to</span> How to Get Descent Organic Mortgage Leads</a></p> <div class="bb-content-inr-wrap"><p>Yes, some AI tools (targeting Mortgage Loan Officers, or MLOs) assist with optimizing websites and social media for SEO, generating organic leads, performing technical fixes (e.g., broken links, duplicate content), analyzing content (AI vs. human), and formulating backlink plans.</p>
<p><b><strong>There are no Magic-Bullet Tools for Everything.</strong></b></p>
<ul>
<li>For&hellip;</li>
</ul>
<p><span class="activity-read-more" id="activity-read-more-28745"><a href="https://gcaforums.com/topic/how-to-get-descent-organic-mortgage-leads/#post-37367" rel="nofollow"> Read more</a></span></p>
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				<title>Michelle started the discussion Lender-Paid vs Borrower-Paid Mortgage Transactions in the forum Mortgage Training and Education Licensing</title>
				<link>https://gcaforums.com/topic/lender-paid-vs-borrower-paid-mortgage-transactions/</link>
				<pubDate>Tue, 09 Jun 2026 14:01:10 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/lender-paid-vs-borrower-paid-mortgage-transactions/">Lender-Paid vs Borrower-Paid Mortgage Transactions</a></p> <div class="bb-content-inr-wrap"><p><b><strong>Need Help Comparing Mortgage Options?</strong></b></p>
<p>Closing costs determine whether lender-paid or borrower-paid options have the better deal. Just because the rate is lower doesn&#8217;t mean it&#8217;s the better option. Gustan Cho Associates will analyze the deals and help borrowers compare loan options to determine which will actually save the most money.</p>
<p><b><strong>Lender-Paid&hellip;</strong></b><span class="activity-read-more" id="activity-read-more-28744"><a href="https://gcaforums.com/topic/lender-paid-vs-borrower-paid-mortgage-transactions/" rel="nofollow"> Read more</a></span></p>
<iframe title="Lender Versus Borrower Paid Mortgage Transactions" width="640" height="360" src="https://www.youtube.com/embed/2_06X-cboB0?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Danny Vesokie &#124; Affiliated Financial Partners replied to the discussion Type of Mortgage Companies to Start Career as an MLO in the forum Mortgage Training and Education Licensing</title>
				<link>https://gcaforums.com/topic/type-of-mortgage-companies-to-start-career-as-an-mlo/#post-37364</link>
				<pubDate>Tue, 09 Jun 2026 12:16:58 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/type-of-mortgage-companies-to-start-career-as-an-mlo/#post-37364"><span class="bb-reply-lable">Reply to</span> Type of Mortgage Companies to Start Career as an MLO</a></p> <div class="bb-content-inr-wrap"><p>This is so true on how many people are buffaloed into thinking that direct lenders offer the best lowest rates and terms and mortgage brokers are middlemen so rates are higher when dealing with a mortgage broker and direct lenders often slam brokers to their clients telling them that why would you not want to deal directly with them and&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28743"><a href="https://gcaforums.com/topic/type-of-mortgage-companies-to-start-career-as-an-mlo/#post-37364" rel="nofollow"> Read more</a></span></p>
<div class="bb-link-preview-container"><div class="bb-link-preview-image"><div class="bb-link-preview-image-cover"><a href="https://gustancho.com/lender-versus-borrower-paid/" target="_blank"><img src="https://gcaforums.com/wp-content/uploads/2026/06/Lender-Versus-Borrower-Paid-Mortgage-Transactions.jpg" /></a></div></div><div class="bb-link-preview-info"><p class="bb-link-preview-link-name">gustancho.com</p><p class="bb-link-preview-title"><a href="https://gustancho.com/lender-versus-borrower-paid/" target="_blank" rel="nofollow">Lender Versus Borrower Paid Mortgage Transactions</a></p><div class="bb-link-preview-excerpt"><p>Difference between Lender Versus Borrower Paid Mortgage Transactions is borrower paid is when lender charges lower YSP for better rate</p></div></div></div></div>]]></content:encoded>
				
				
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				<title>Danny Vesokie &#124; Affiliated Financial Partners replied to the discussion How to Get Descent Organic Mortgage Leads in the forum Bankers, Lenders and Mortgage Brokers</title>
				<link>https://gcaforums.com/topic/how-to-get-descent-organic-mortgage-leads/#post-37363</link>
				<pubDate>Tue, 09 Jun 2026 11:42:36 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/how-to-get-descent-organic-mortgage-leads/#post-37363"><span class="bb-reply-lable">Reply to</span> How to Get Descent Organic Mortgage Leads</a></p> <div class="bb-content-inr-wrap"><p><b><strong>Are There AI Tools Built for MLOs to Help With SEO, Social Media, and Organic Leads?</strong></b></p>
<p>Mortgage loan officers face growing pressure to have a strong online presence. Borrowers search Google, YouTube, Facebook, LinkedIn, TikTok, ChatGPT, Gemini, and other AI platforms before contacting lenders. An MLO’s website and social media must answer borrower&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28742"><a href="https://gcaforums.com/topic/how-to-get-descent-organic-mortgage-leads/#post-37363" rel="nofollow"> Read more</a></span></p>
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				<title>Max replied to the discussion How to Get Descent Organic Mortgage Leads in the forum Bankers, Lenders and Mortgage Brokers</title>
				<link>https://gcaforums.com/topic/how-to-get-descent-organic-mortgage-leads/#post-37360</link>
				<pubDate>Tue, 09 Jun 2026 03:24:34 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/how-to-get-descent-organic-mortgage-leads/#post-37360"><span class="bb-reply-lable">Reply to</span> How to Get Descent Organic Mortgage Leads</a></p> <div class="bb-content-inr-wrap"><p>Is there any AI tools that has been designed for MLOs that help us SEO and optimize our websites and social media platforms to generate organic leads and tune up our website for broken links, duplicate content, analyze for AI CONTENT vs HUMAN CONTENT and create do follow back links?</p>
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				<title>Bruce replied to the discussion Mortgage Qualification and Pre-Approval with Low Credit Scores in the forum Underwriting Help Desk</title>
				<link>https://gcaforums.com/topic/mortgage-qualification-and-pre-approval-with-low-credit-scores/#post-37358</link>
				<pubDate>Tue, 09 Jun 2026 01:56:41 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/mortgage-qualification-and-pre-approval-with-low-credit-scores/#post-37358"><span class="bb-reply-lable">Reply to</span> Mortgage Qualification and Pre-Approval with Low Credit Scores</a></p> <div class="bb-content-inr-wrap"><p>Subject: Re: FHA Pre-Approval Request – From Julio Munoz &amp; Dimitri Slovek &#8211; Quick Pre-Approval</p>
<p>Thanks for your email, and thanks to (referral names) for sending you my way.</p>
<p>I’m (your name), an associate with (your company) in the Westmont, IL office. We specialize in FHAs for clients with credit issues who have scores in the 500s, and we have&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28740"><a href="https://gcaforums.com/topic/mortgage-qualification-and-pre-approval-with-low-credit-scores/#post-37358" rel="nofollow"> Read more</a></span></p>
<div class="bb-link-preview-container"><div class="bb-link-preview-image"><div class="bb-link-preview-image-cover"><a href="https://gustancho.com/fha-home-loans/" target="_blank"><img src="https://gcaforums.com/wp-content/uploads/2026/06/Bad-Credit-FHA-Home-Loans-Can-Help-You-Start-Fresh.jpg" /></a></div></div><div class="bb-link-preview-info"><p class="bb-link-preview-link-name">gustancho.com</p><p class="bb-link-preview-title"><a href="https://gustancho.com/fha-home-loans/" target="_blank" rel="nofollow">FHA Home Loans: Guide to Benefits and Requirements</a></p><div class="bb-link-preview-excerpt"><p>FHA home loans have lenient credit requirements than conventional loans. It is the best loan program for, borrowers with lower credit scores.</p></div></div></div></div>]]></content:encoded>
				
				
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				<title>Bruce replied to the discussion Mortgage After Bankruptcy in the forum Mortgage After Bankruptcy And Foreclosure</title>
				<link>https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37356</link>
				<pubDate>Tue, 09 Jun 2026 01:11:15 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37356"><span class="bb-reply-lable">Reply to</span> Mortgage After Bankruptcy</a></p> <div class="bb-content-inr-wrap"><p>Thank you for reaching out with your question. You came to the right place. We are not just members of an online community; we are NMLS-licensed mortgage loan originators who are actively originating, processing,, and closing mortgage loans. We are licensed in multiple states, and our views can provide professional lending or mortgage advice.&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28739"><a href="https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37356" rel="nofollow"> Read more</a></span></p>
<div class="bb-link-preview-container"><div class="bb-link-preview-image"><div class="bb-link-preview-image-cover"><a href="https://gustancho.com/non-qm-loans-after-bankruptcy-and-foreclosure/" target="_blank"><img src="https://gcaforums.com/wp-content/uploads/2026/06/NON-QM-Loans-After-Bankruptcy-And-Foreclosure-1.jpg" /></a></div></div><div class="bb-link-preview-info"><p class="bb-link-preview-link-name">gustancho.com</p><p class="bb-link-preview-title"><a href="https://gustancho.com/non-qm-loans-after-bankruptcy-and-foreclosure/" target="_blank" rel="nofollow">NON-QM Loans After Bankruptcy And Foreclosure</a></p><div class="bb-link-preview-excerpt"><p>NON-QM Loans After Bankruptcy And Foreclosure, NO waiting period requirements, 30% down payment, no PMI, no minimum credit score</p></div></div></div></div>]]></content:encoded>
				
				
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				<title>Manuel Bautista started the discussion Mortgage Qualification and Pre-Approval with Low Credit Scores in the forum Underwriting Help Desk</title>
				<link>https://gcaforums.com/topic/mortgage-qualification-and-pre-approval-with-low-credit-scores/</link>
				<pubDate>Tue, 09 Jun 2026 00:06:09 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/mortgage-qualification-and-pre-approval-with-low-credit-scores/">Mortgage Qualification and Pre-Approval with Low Credit Scores</a></p> <div class="bb-content-inr-wrap"><p>I was referred by my brother-in-law, Julio Munoz, and his partner, Dimitri Slovek, about getting a home loan. My brothers and I are contractors and have worked together for many years. My wife and I are first-time homebuyers looking to purchase a single-family home in Illinois. Our combined annual income is approximately $135,000. Our&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28738"><a href="https://gcaforums.com/topic/mortgage-qualification-and-pre-approval-with-low-credit-scores/" rel="nofollow"> Read more</a></span></p>
<div class="bb-link-preview-container"><div class="bb-link-preview-image"><div class="bb-link-preview-image-cover"><a href="https://gustancho.com/new-mortgage-programs/" target="_blank"><img src="https://gcaforums.com/wp-content/uploads/2023/08/New-Mortgage-Programs.jpg" /></a></div></div><div class="bb-link-preview-info"><p class="bb-link-preview-link-name">gustancho.com</p><p class="bb-link-preview-title"><a href="https://gustancho.com/new-mortgage-programs/" target="_blank" rel="nofollow">New Mortgage Programs For Homebuyers And Investors</a></p><div class="bb-link-preview-excerpt"><p>Gustan Cho Associates has launched new mortgage programs include no-doc loans, DSCR, VA RENOVATION, AND FIX AND FLIP LOANS</p></div></div></div></div>]]></content:encoded>
				
				
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				<title>Elena Dollna posted an update: </title>
				<link>https://gcaforums.com/activity/p/28737/</link>
				<pubDate>Mon, 08 Jun 2026 23:50:35 +0000</pubDate>

				
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				<title>Elena Dollna started the discussion Mortgage After Bankruptcy in the forum Mortgage After Bankruptcy And Foreclosure</title>
				<link>https://gcaforums.com/topic/mortgage-after-bankruptcy-2/</link>
				<pubDate>Mon, 08 Jun 2026 23:45:39 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/mortgage-after-bankruptcy-2/">Mortgage After Bankruptcy</a></p> <div class="bb-content-inr-wrap"><p>Hello,</p>
<p>I am seeking a refinance for my owner-occupied primary residence in Chicago. I recently received a Chapter 7 discharge in May 2026 and am looking to refinance out of a hard money loan.</p>
<p>My approximate loan amount needed is $260,000-$265,000. My mortgage score is approximately 643, and I have stable W-2 employment with the City of&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28736"><a href="https://gcaforums.com/topic/mortgage-after-bankruptcy-2/" rel="nofollow"> Read more</a></span></p>
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