Fannie Mae and Freddie Mac are the two largest institutional buyers of mortgage-backed securities on the secondary market.

Most people don’t know that El Yunque Rainforest is just beside Old San Juan, so the heat is broken up with beautiful (and cooling!) flash showers.

We have banana and plantain trees in the backyard of our home in Cabo Rojo, our favorite local beach is just down the road, and there is Puerto Rican pride with the flag painted on one of the buildings in the town center in Aguada!

What happens if you are in the VA loan process and the property has issues and you can’t close? Can you just find another with the same price or less? Or does that mean you would have to file for court approval again?

There are so many reasons to love our pets including their unconditional love and loyalty. In my home I have always valued the bond my pups have had with my children. My babies are their babies, too.

My application is currently in underwriting. I am concerned that because my student loans are so high that my DTI may not pass. I have found a home that is scheduled to close on 12/2. Honestly I did not see you site until after applying thru my current lender. Would you be able to take over the case and will I still be able to close on 12/2 or earlier? I am in Illinois and also seeking downpayment assistance from IDHA. The Home Inspection and Appraisal have all been completed. My student loans total 186k and I am currently in deferment, but the lender is saying that the payments are coming up to 1300 per month…but I am paying $0.00. My credit score middle is 643. Also I am currently employed but will start a new job in a week making more money. Can you help? What steps will I need to take.

How important is Search Engine Optimization (SEO)? How important is SEO in digital marketing? What is SEO and why is it important? How does SEO work? What is the main purpose and benefits of SEO? What is the most important thing for SEO?

What is the current state of our economy? Has Bidenomics helped our economy like Kamala Harris keeps on saying? Did the United States have a soft landing like Janet Yellen and Jerome Powell said? Democrats are saying we dodged a bullet because of the Biden Administration. The unemployment numbers came in at 4.2%. Are the unemployment numbers real or not accurate? Inflation numbers are at 3% but that number is not correct if you shop for goods and services. Mortgage rates went from 2.5% in 2019 to 7.5%. How did the sudden 400% jump in rates affect the economy? How is the 100% plus increase in home values affecting our economy? How is unemployment numbers at 4.2% is not reflective to actual Americans out of work?

https://youtu.be/bjm9VGuN8NI?si=CfkRTvarcQ1ybkZi

In the 2024 election cycle, ex-President Donald Trump chose J.D. Vance, a senator from Ohio, to serve as his running mate. With this announcement now complete, the Republican ticket for President includes:

• Vance in recognition of his Marine Corps and business record.
• Strong backing for Trump over the past few years.
• Being an outside-the-beltway populist.

Once a vocal opponent of Trump’s candidacy during the 2016 primaries (​The Hill)​ , Vance’s subsequent about-face made him one of the then-president’s most stalwart defenders throughout various legal battles. According to the News Team at GCA FORUMS, this pick is projected to generate even more enthusiasm around Trump’s campaign.

https://www.youtube.com/watch?v=-3s4ezgFaUE

How Are Student Loans Calculated On VA Loans?

How Long Does Bad Credit Stay On Credit Report?

How Does A Purchase Reverse Mortgage Work?

How do I get a mortgage with a recent charge off?

HOW DO LENDERS VIEW MEDICAL COLLECTIONS?

One hundred seventeen thousand homes in Florida are currently for sale, and many of these properties are owned by large corporations. Some homeowner associations (HOAs) for these properties are based in Texas.https://www.tampabay.com/news/business/2024/08/22/florida-homes-owned-by-corporate-investors-117000-counting/

tampabay.com

Florida homes owned by corporate investors: 117,000 — and counting

Experts say investors capitalized on the state’s population growth and minimal renter protections.

First-time homebuyers and loan officers. Have you hear of EPM DOWN-PAYMENT ASSISTANCE PROGRAM? Equity Prime Mortgage has a forgiveable down-payment assistance program on FHA loans where the down payment of 3.5% is covered as a second mortgage but it is forgiveable after six months. What does forgiveable mean on DPA programs? Forgiveable means that after a certain period of time, if you sell the house or you refinance out of the FHA EPM DPA loan, you do not have to pay the DPA loan of the 3.5% back. The maximum debt-to-income ratio is 48.99% front-end and 48.99% back-end. The EPM DOWN-PAYMENT ASSISTANCE PROGRAM is borrower paid transaction. Therefore, you need to get a 6% seller concession for you to get into a house with no money down and with no closing costs or little closing costs. In most cases, there is no down payment or closing costs. The EPM DPA Mortgage Program is availble on FHA loans in standard areas and high-cost counties like many counties in California. Here is an article I wrote about the EPM Down Payment Program. People that qualify are first-time homebuyers, homebuyers who are first-responders, teachers, veterans, and professionals in the medical field, and homebuyers who earn a certain amount of income based on their county:

https://gustancho.com/down-payment-assistance-mortgage/

gustancho.com

EPM Empowered Down Payment Assistance Mortgage Program

There are recoverable and non-recoverable Down Payment Assistance Mortgage for Homebuyers is offered at Gustan Cho Associates

https://www.youtube.com/watch?v=mTa1Zr1JkLg

Good morning Guantanamo Bay. Let’s clean up America 🇺🇸. Let’s clean up the WORLD 🌎. Let’s fumigate the roaches, termites, and the septic tank full of evil 😈 🦹‍♀️ 👿 🖤 🙈 😈. Let’s crush and exterminate the pedophiles, baby eaters, and the depopulation Globalists. Let the cleanup begin.

Gustan Cho Associates has a national reputation for being able to do mortgage loans other lenders cannot do. What makes Gustan Cho Associates different than the competition? Over 80% of the borrowers of Gustan Cho Associates are folks who could not qualify at other mortgage companies. How can I find out more about Gustan Cho Associates and get introduced to a mortgage loan officer. Gustan Cho Associates is a one-stop lending shop. They are experts in business funding, commercial loans, and traditional and alternative residential mortgage loans.

Simon Garfunkle classic hit Sound of Silence

https://youtu.be/4fWyzwo1xg0?si=dX4weMgXapQia-88

Can you do an FHA streamline refinance multiple times? What if you do a FHA streamline refinance now at 6.0% from the current mortgage rate you have at 7.25% and rates drop to 5.0%. Can you do another FHA streamline refinance over and over again?

Considerations For Refinancing:

Good Timing: Given recent drops in mortgage rates, now may be ideal. Therefore, FHA/VA Streamline Refinances could also apply here since they require little paperwork and no appraisal, making them easy options for homeowners wishing for fast rate reductions.

Possibility Of Multiple Refinances Over Time If Rates Keep Falling: Generally speaking, homeowners should expect lenders to allow multiple refinancings when lower mortgage rates continue falling, so long as each time meets lender standards and fees payable upon every occasion if necessary.

Current Mortgage Rates:

• 30-Year Fixed 6.49%.
• FHA 30-Year Fixed 6.18%.
• VA 30-Year Fixed 5.91%.
• 15-year fixed rate=5.58%​.

These changes are meant to increase transparency and fairness during real estate transactions. Home buyers need to understand these new laws and their corresponding agents for smooth operation within the industry towards compliance issues avoidance.

This forum thread is about scams and scammers. There are so many scammers in this planet. Your next door neighbor can be a scammer. Your co-worker can be a scammer. Your employer or employee can be a scumbag scammer. There is no gender, race, social class, or what business these scammers are. Hopefully we will disclose as many scumbags scammers as possible.

https://youtu.be/pV9O7cE9JvM?si=NVKD6aUIU4N_YtFQ

What is occupancy fraud. How is occupancy fraud determined. Is occupancy fraud a serious crime? Would a mortgage lender send an investigator to check on the borrower’s occupancy type? How do lenders verify owner occupancy. What happens if the borrower committed occupancy fraud, what are the consequences. Who gets in trouble if there was occupancy fraud committed. Who investigates occupancy fraud.

Nate Holzapel is a scammer and scumbag. Where is Nate Holzapel? How many people did Nate Holzapel scam? What happened to the belt guy Nate Holzapel from the shark tank? Can you explain Nate Holzapel biography? Where was he born? Who were his parents? How many brothers and sisters did he have? Where did he grow up and what schools did he attend? What is Nate Holzapel work history? Who did Nate Holzapel, marry, and had children with? How did Nate Holzapel scam lovelorn women? Why did women find Nate Holzapel attractive?

https://youtu.be/069GnWDAgz4?si=bgolnX7sNVrQxN58

• This discussion was modified 7 months, 3 weeks ago by  Gustan Cho.

How is life in the Philippines. How is it like to raise a family. How is the economy? How is the cost of living in the Philippines, cost of housing, job opportunities, education, room for advancement, weather, tourism, culture, demographics, and political and government system.

I have learned recently that Venice, Italy, is charging 5 euros to gain entry to the city. The city has experienced a high volume of profit. There are peak times that they charge; there are 29 dates from April to mid-July, mostly holidays and weekends, between 8:30 a.m. and 4 p.m..

Realizing that nothing in Venice costs under 5 euros, including coffee, it’s not too expensive in the big picture. The profit so far is 2.43 million euros, or about 2.75 million US dollars. That’s a lot of espressos.

Some people asked, “Why should I pay an entrance fee to a city?” It wouldn’t fly in New York City; imagine putting a turnstile at all the various ways to enter the city. They actually do have tolls, which is sort of the same thing. The E-Z pass for bridges and tunnels entering the city is $11.00-$14.00, depending on peak hours. Chicago and San Francisco all have these tolls; travel is a curse. They charge to enter Disneyland and Epcot. The only advantage is that in Disneyland and Venice, you don’t drive. Trams in Disneyland, gondolas, and water taxis in Venice.

There is always a side hustle to these fees, and there is no way to escape them. If you drive or walk, you are charged. Parking at sporting events is so expensive that gas is taxed and relaxed.

Wouldn’t it be Utopia if there was a society that existed with no cars, no gas, no taxes, and no entrance fees?

Can anyone make a suggestion? Maybe artistic intelligence can answer this riddle.

Here are cute German Shepherd Videos and pictures

https://www.facebook.com/share/r/mqfYNZ8qs4UojMAQ/?mibextid=D5vuiz

facebook.com

2.5M views · 91K reactions | When dad says it's time for work 🤣🐾 🎥 @koolkath1 / tt | Police Dog | Police Dog · Original audio

When dad says it's time for work 🤣🐾 🎥 @koolkath1 / tt. Police Dog · Original audio

If you sat through that rendition of the National Anthem during the home run derby last night. You may be eligible for compensation. First Trump’s ear now ours.

What is a cash-out refinance and how does it work?

The best way to rebuild and re-establish your credit is to get three to five secured credit cards and a credit rebuilder account. Besides secured credit cards, consumers should get a credit rebuilder loan. Credit rebuilder loans is offered by banks or credit unions where you open up a savings account. It is normally a certificate of deposit where you make a monthly deposit (you can choose $25, $50, $75, $100 or more). The monthly payments is reflected on the three credit bureaus as an installment loan payment and once the one year comes up, the money is returned to you. With credit rebuilder accounts, after you make four or five payments, you have the option to get a secured credit against your deposit. https://self.inc is the best credit rebuilder account.

self.inc

Credit Builder: Build Credit & Add to Your Savings with Self

Build your credit with Self's Credit Builder Account & secured Self Visa® Credit Card. Ideal for credit building, no hard check, & reports to all three bureaus.