Americans are perplexed when they hear the mainstream media network and politicians announce the economy is doing great and we just had a soft landing. Joe Biden and his cronies such as Jerome Powell, Janet Yellen, Joe Scarborough, Jim Cramer, Chuck Todd, and other Democrats and far left liberals say What Inflation? The Economy is doing GREAT. Look at the stock market how high it is under the Biden Administration. We just had a soft landing. Look at the unemployment numbers and how low it is. All of these clowns are just big fat liars. You don’t need fake economic data and numbers. Unemployment numbers is not 3%. Inflation numbers is not 3%. Go to your nearest grocery store and look at the cost of groceries. Go get your cat repaired and see how much it costs. Go to McDonald’s and see how much a burger, fries, and soda is ($25 dollars easy). How much does it cost to feed a family of four? How much does it cost to care for your dog or dogs? How much does it cost to buy a car? Whether you like it or not, Americans need to face reality and face the facts they are being lied to by Joe Biden and the far left liberals. The dollar is not backed by any hard assets. The Federal Reserve Board is a money printing machine controlled by the Deep State, The Rothschild Family, George Soros, and the Globalists. How can career politicians like Joe Biden, Barack Obama, Bill and Hillary Clinton, Nancy Pelosi, and hundreds of politicians become multimillionaires without a real job or family inheritance. Impossible. Politicians and the deep state are stealing, lying, and printing money. They are not playing by the rules. Americans need to wake up and speak up. Americans need to voice their opinions and concerns. There’s no way we should have a commander in Chief of the United States of America who has stage six of dementia and has the nuclear code. Dementia Lying Cheating Joe Biden is a major liability for our country and is infested with corruption. We need to clean house. Expect a major stock market crash in the coming days, weeks, months. Expect a major real estate crash in the coming short term. The stock market and housing markets will plummet 50% to 90% or more. Expect a financial crisis worse than the 2008 real estate and financial meltdown. We should be ready for this correction so in two to three years we will have everything fixed under the leadership of President Donald Trump. The Federal Reserve Board will be destroyed and we will have a new monetary system backed by silver and Gold. We need to get Dementia Joe Biden and his cronies out of the White House and stop power hunger Jill Biden running the Executive Branch.

https://youtu.be/XMuRkDY1SRw?si=eWeZ0s8GS2JOBpKh

What does DEFUNDING the POLICE exactly mean? Why is Kamala Harris such a huge proponent and supporter of DEFUNDING THE POLICE. Why did Kamala Harris aggressively support the DEFUNDING THE POLICE movement after the George Floyd killing by Minneapolis POLICE. Why was Kamala Harris the biggest supporter of DEFUNDING THE LOS ANGELES POLICE DEPARTMENT by Los Angeles Mayor Garcetti. Los Angeles Mayor Eric Garcetti proposed of cutting the Los Angeles Police DEPARTMENT budget by $150 million dollars and Kamala Harris, at the time the United States Senator from California was Eric Garcetti’s biggest supporter. We don’t need a Presidential candidate who is anti-law enforcement and who doesn’t care about fighting crime. Kamala Harris is a joke. An international disgrace who is a disgusting example of a human being.

https://youtu.be/Cdd3XQv8LRc?si=kml_bvcjcCqHS4Bs

• This discussion was modified 6 months, 1 week ago by  Michelle.

Here’s a documentary about the life and tragedy of Michael J. Fox. Michael J. Fox suffered from Parkinson Disease.

https://youtu.be/ursk48LfS0g?si=yKhhcyoWbk3CoaRw

youtu.be

The Tragedy Of Michael J. Fox Is Beyond Heartbreaking

The Tragedy Of Michael J. Fox Is Beyond HeartbreakingThe story of Michael J. Fox is one filled with triumphs and tragedies, a testament to all that he went t...

An “asset depletion mortgage loan” is a type of mortgage that is designed for borrowers who have significant assets but may not have a traditional source of income, such as a regular job or salary. These loans are sometimes used by retirees or self-employed individuals who have substantial savings and investments but may not meet the standard income requirements for a traditional mortgage.

In an asset-depletion mortgage loan, the lender considers the borrower’s assets, such as cash, stocks, bonds, retirement accounts, and other investments, as a source of income to qualify for the mortgage. The lender calculates the borrower’s monthly income by depleting or drawing down on their assets over a specified period, often 3-5 years. This calculated income is then used to determine the borrower’s ability to make mortgage payments.

It’s essential to note that asset depletion loans typically come with higher interest rates than traditional mortgages because lenders consider them riskier. Borrowers should carefully consider the terms and conditions of such loans and be aware of the potential risks and costs involved.

These types of loans can be complex, and eligibility requirements may vary from lender to lender. Borrowers interested in asset depletion mortgage loans should work closely with a qualified mortgage professional to understand the specific criteria, terms, and options available to them.

It’s OFFICIAL. Barack Obama has convinced Joe Biden to step down from running for reelection in 2024 against former President Donald Trump. We have not heard from Joe Biden or Jill Biden but we have heard this breaking news from reliable sources. More updates to come.

https://youtu.be/3rq6QGtWUus?si=AFmhkpURw6AyyOES

70% of Americans feel Joe Biden is mentally incompetent to run for reelection. This SUBFORUM is created so members can show Joe Biden caught on tape being senile and mentally incompetent.

https://youtube.com/shorts/uC272rKMvIA?si=z6wml_JssBFzJn9X

The value of investing in real estate, including buying a house in California, can depend on various factors and it’s hard to make a blanket statement without considering all of them. However, here are some general considerations:

1. **Market Trends:** As of my knowledge cutoff in September 2021, the housing market in California had been experiencing significant growth for many years, with prices increasing steadily. Some areas, such as San Francisco or Los Angeles, had seen especially high appreciation. It’s important to monitor the latest trends, as the market can fluctuate.

2. **Location:** The potential for return on investment can greatly depend on the specific location within California. Properties in or near major cities or in desirable communities tend to hold value well and may offer higher potential returns. However, they can also come with higher initial investment costs.

3. **Rent Potential:** If you’re planning to rent out the property, it’s crucial to consider the rental market in the area. Some parts of California have a strong rental market with high demand, which could provide a good source of income.

4. **Long-term Investment:** Typically, real estate should be viewed as a long-term investment. In the short term, fluctuations in the market can occur, but over the long term, real estate generally tends to appreciate in value.

5. **Taxes and Regulations:** California has higher property taxes and stricter regulations for landlords compared to many other states. These should be factored into your considerations.

6. **Economic Stability:** California has a strong and diverse economy, which can support the long-term growth of property values.

7. **Other Financial Considerations:** Buying a house involves significant costs beyond the purchase price, such as maintenance costs, insurance, property taxes, and potentially homeowner association fees.

It’s also important to consider your financial situation, your investment goals, and your risk tolerance. Real estate can be a good investment, but it also comes with potential risks and costs.

Please note that while these points may serve as a general guide, you should consult with a financial advisor or real estate professional who can provide advice based on the current market conditions and your individual circumstances.

Doctor Carol Lieberman reports Jill Biden to the state mental health authorities for Elderly Abuse. Dr. Lieberman reported Jill Biden for abusing her senile husband Joe Biden to state mental health authorities. She said it is obvious Joe Biden is suffering from dementia and is in no shape or form to work let alone run for reelection. More to come.

https://youtu.be/t59NKXcemEQ?si=t86iIOgrlT1DZwtL

What is the United States Dollar? Does the Dollar have any creditbility? Does the World respect the U.S. Dollar? Is the dollar going to be worthless in the coming months or years?

Here’s a FUNNY VIDEO of David Letterman pranking customers of a TACO BELL fast food franchise restaurant.

https://www.facebook.com/share/r/vcEu1JodEHY4cHHt/?mibextid=D5vuiz

facebook.com

From 1996 - Dave spends the day taking orders at the Taco Bell Drive-Thru. #davidletterman #letterman #lateshowwithdavidletterman #latenightcomedy #comedy #comedyreels #comedyvideos #funny #funnyreels #funnyvideos | Kevin | pumpkin.escobar13 · Original audio

From 1996 - Dave spends the day taking orders at the Taco Bell Drive-Thru. #davidletterman #letterman #lateshowwithdavidletterman #latenightcomedy #comedy #comedyreels #comedyvideos #funny...

To Jill Biden, even at the cost of her husband Joe Biden making a total fool of himself around the the Globe, she’s pushing Joe to run for President of the United States. This is self fish, not right, inhumane, and right down evil. Jill Biden is an exact replica of Edith Wilson, First Lady and wife of President Woodrow Wilson who had a stroke in the White House 🏠. Jill Biden’s actions are despicable and outright wrong. Jill Biden is becoming very unlikeable among both parties Democrats and Republicans. Jill Biden has political aspirations of her own to become a United States Senator 🇺🇸 and is using her political goals and power hunger at the expense of her husband Joe Biden who is obviously suffering from late stage stage 6 dementia.

https://youtu.be/dl84TfPCqYk?si=Y7TfBsfQjYl0ARaS

Here is breaking news about the Biden Crime Family and Big Mike Obama

What is the difference between a rate and term refinance, and an FHA and VA Streamline Refinance?

Can you explain what an VA OTC NEW CONSTRUCTION LOAN IS? How do I qualify and get approved for an VA One-Time-Close New Construction Loan? What are the eligibility requirements? How does it work? What is the steps of the mortgage process on the VA OTC NEW CONSTRUCTION LOAN?

Like to introduce eveyrone to Rhonda Smith, a dually licensed real estate agent licensed in Alabama and an NMLS licensed mortgage loan originator at Gustan Cho Associates NMLS 2315275, a dba of NEXA Mortgage NMLS 166060. @Rhonda

Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates, a dba of NEXA Mortgage.

Rhonda Smith is a mortgage loan originator at Gustan Cho Associates, specifically licensed to operate in Alabama. Gustan Cho Associates is a well-known mortgage brokerage firm, part of NEXA Mortgage LLC, which offers a range of mortgage products and services across the United States.

About Rhonda Smith of Gustan Cho Associates

• Parent Company: NEXA Mortgage LLC
• Coverage: Licensed in 48 states, including Alabama.
• Specialties: The company is known for its expertise in handling loans that other lenders might decline, particularly due to their “no overlay” policy, which means they adheres strictly to agency guidelines without adding extra qualification requirements.

Services Offered by Rhonda by Rhonda

Gustan Cho Associates provides a variety of mortgage services, including but not limited to:

• Conventional Loans
• FHA Loans
• VA Loans
• USDA Loans
• Non-QM Loans: Including bank statement loans and asset-depletion loans for self-employed borrowers.
• Refinancing Options

Contact Information of Rhonda Smith

You can contact Rhonda Smith directly through Gustan Cho Associates for specific mortgage inquiries or to start the loan application process.

Benefits of Working with Rhonda Smith and Gustan Cho Associates

• Expertise: Extensive experience in handling complex mortgage scenarios.
• Customer Focus: Dedicated to helping clients find the best loan options tailored to their needs.
• Accessibility: The team, including Rhonda Smith, is available to guide clients through the mortgage process from start to finish.

Further Information on Rhonda Smith

For more details on the services provided or to contact Rhonda Smith, visit the Gustan Cho Associates website or the specific page for GCA Mortgage. This ensures that potential clients or interested parties clearly understand Rhonda Smith’s role, the services offered by Gustan Cho Associates, and how to proceed with mortgage inquiries.

• This discussion was modified 7 months, 1 week ago by  Gustan Cho.

The Federal Housing Administration (FHA) has recently updated its policies regarding gift funds for home buyers. Under the new update, donors providing gift funds for a buyer’s down payment are no longer required to provide bank statements. This change simplifies the process for those receiving financial assistance from friends or family members, making it easier to secure an FHA-insured mortgage.

Key points about this update:

1. No Bank Statement Requirement: Donors do not need to submit bank statements to verify the source of their gift funds.
2. Gift Letter: A gift letter is still required, which must include the donor’s name, contact information, relationship to the borrower, the amount of the gift, and a statement that no repayment is expected.
3. Documentation: Borrowers must provide documentation of the transfer of gift funds, such as a copy of the donor’s check and the borrower’s deposit slip, or a copy of the donor’s withdrawal slip and the borrower’s deposit slip.

This update aims to streamline the process for borrowers using gift funds, reducing paperwork and potential delays. For more detailed information, borrowers and lenders should refer to the latest FHA guidelines or contact their mortgage lender.

Never do another bank statement loan

Quontic’s Lite Documentation loan offers an easier, streamlined process.

• One-page P&L form for quick filing

• Loan amounts up to $3M

• Ideal for self-employed borrowers

Grow your non-traditional borrower business with Lite Doc today!

They also have link labeled for Realtors

https://www.quontic.com

Went to the grocery store and my change contained a 1963 Silver Dime, Gus advises investing in silver. I guess I just started, I think its worth $25. Any opinions?

Per U.S. District Court, bankruptcy filings in the United States is up 13% and surging higher. Inflation, high rates, and cost of goods and services are leading cause of unemployment and financial crisis among Americans.

https://www.uscourts.gov/news/2023/10/26/bankruptcy-filings-rise-13-percent

The homebuying process starts way before you actually start shopping for a house. It is best to prepare six to twelve months before you actually want to start looking for a house. Getting pre-approved can be a process depending on your credit. Get pre-approved first. Interview Real Estate Professionals. Consult with real estate agents and financial advisors who have expertise in your local market. They can provide insights into current conditions and help you make informed decisions. Consider broader economic conditions, such as job stability, inflation rates, and the overall health of the economy. Economic factors can influence property values and affordability. If you decide to move forward with a purchase, always get a thorough home inspection to identify any potential issues or needed repairs. This can impact the overall cost of homeownership.

In summary, the decision to buy a house depends on your individual circumstances and the conditions of the housing market in your area. It’s essential to thoroughly research and assess your financial readiness before making such a significant investment. Additionally, consider seeking advice from professionals who can provide guidance tailored to your specific situation.

Do German Shepherd dogs require a fenced yard. My homebuyer finally found their forever house. Problem is the house is in South Barrington, Illinois where all homes are in subdivisions. Subdivision HOAs ban fences on all homes. Homes have a one acre minimum. My buyers put a deposit on two German Shepherd dogs wanted to put a fence for them. Their late Old English Mastiff never needed a fence. What are your thoughts on German Shepherd dogs. Are German Shepherd dogs runners in nature like hunting dogs or can they be trained to stay on your property without a fence.

Have you seen the commercials for HIMs and HERS? I must be missing something; I thought we were sensitive to the non-binary society? When pronouns are used like XIR or MX, I’m in a fog. Is it a certain code that only non-binary people get? Everyone wants to be identified as something. We wear T-shirts that have a message: we want to be labeled as someone unique. Why? Aren’t we happy being what God intended? How is it that today, when a child is born, the parents can name them non-brinary? Is this predestined?

I know I can rant and rave about genders; my question would be, “What does the non-binary person, {I can use person, right, I’m not offending anyone, am I?}

What happens if a HIMS takes a HERS? Or a HERS takes a HIMS? Hair growth, stronger sexual desire?

Will there be a THEMS or an ITS? Please help!

The San Diego and Mexico border is out of control. Illegal immigrants are just walking through the Mexico 🇲🇽 and San Diego Border through homeowners private property with the U.S. BORDER PATROL not being able to do a single thing. Illegal immigrants from Mexico, Honduras, China, Poland, Russia, and hundreds of countries are crossing the border with the US BORDER PATROL stating that its local police responsibility to arrest illegal aliens from crossing the San Diego border.

https://ue.fcs.mstore.msg.t-mobile.com:443/file/P7yuMdFcF9vkIM7?client=legacy

How to find active builders and spec builders. One way is to go to realtor.com choose a large city go to filters, click home age no min, and less than 1 year. this should list the new construction homes. Get the addresses, the agent usually doesn’t want you speaking with their client. However call the agent anyway and let them know that you can help their builder to build more homes and sometimes they will introduce you. If not then do a google search for parcel search using the city, or county and state. Usually they have a gis map and you can use this to locate the owner and the address of the owner, where you can further search and get a cell phone. Realtor.com is a great source to see who is building where and at what price.

realtor.com

There are millions of secret facilities being built in all 50 states. We are talking 11 million plus secret facilities being built in all 50 states. These facilities are detention facilities. So what purpose does these detention facilities to house? Illegal immigrants? That’s a negative. You need to go back to the NAZI Concentration Camps. So who is quarterbacking all this? Is it Joe Biden Administration? Is it the Globalists? Mayorkis keeps on asking for more money to build secret detention facilities to build in all 50 states.

https://youtu.be/kkrQ8ZRsQ8U?si=cxxRRrSQXV9ktz_b

How can you become a commercial loan officer? Is there a great informative commercial loan officer school that doesn’t charge an arm and a leg.

Non-QM Mortgage Brokers is a national mortgage broker and correspondent lender licensed in 48 states, including Washington, DC, Puerto Rico, and the United States Virgin Islands. Non-QM Mortgage Brokers is a wholly-owned subsidiary of Gustan Cho Associates, Inc. Gustan Cho Associates, also referred to as GCA Mortgage Group NMLS 2315275 is a dba of NEXA Mortgage, LLC NMLS 1660690, the nation’s largest mortgage broker and correspondent lender with nearly 3,000 licensed mortgage loan originators and equally number of support, operations, and third-party independent contractor service providers. Non-QM Mortgage Brokers specialize in providing mortgage options for individuals who may need to meet the standard lending criteria set by the Consumer Financial Protection Bureau (CFPB). Licensed mortgage loan originators at Non-QM Mortgage Brokers offer more flexible mortgage loans regarding income and credit requirements, which can benefit borrowers such as business owners, self-employed individuals, and gig workers.

Here are some key features of non-QM loans:

Flexible Income Documentation: Borrowers may use alternative methods, such as tax returns, bank statements, or 1099s, to demonstrate their ability to repay the loan.

Higher Debt Limits: Some non-QM loans allow for debt-to-income ratios over 50%, compared to the standard 43%.

No Waiting Period After Bankruptcy: Certain non-QM loans do not require a waiting period after bankruptcy or foreclosure, enabling quicker access to a mortgage.

Higher Down Payment Requirements: Non-QM loans often require a larger down payment, typically between 15% to 20%.

Higher Interest Rates: Due to the increased risk associated with these loans, non-QM mortgages usually come with higher interest rates.

If you’re considering a non-QM loan, it’s important to shop around and compare offers from different lenders to find the best terms for your situation. Remember that while non-QM loans can provide a path to homeownership for those who don’t qualify for traditional mortgages, they also come with higher costs and risks. It’s advisable to consult with a financial advisor or mortgage broker to understand all the implications before proceeding. Non-QM Mortgage Brokers is the nation’s largest mortgage broker of non-qualified mortgages. For more information, visit us at Non-QM Mortgage Brokers, Inc. at

https://www.non-qmmortgagebrokers.com/

non-qmmortgagebrokers.com

Home - Non-QM Mortgage Brokers

Finance Your Dream Home Easily With Us Problem Credit? Need a Creative Mortgage Lender? Talk To Us. We Are Able To finding The Perfect Mortgage For Your Dream Home Find A Lender With Us Fill out the form by click … Continue reading

Illinois residents have been moving to Indiana in increasing numbers in recent years, with an estimated 31,015 moving in 2022. Some reasons for this include low cost of living, affordable housing, low taxes, friendly people, welcoming new businesses with tax incentives, proximities to large cities, great schools, and great healthcare. Cost of living. Indiana is considered one of the most affordable states in the US, with U.S. News ranking it #2 in overall affordability and #3 in housing affordability. For example, moving from Indianapolis to Chicago could increase the cost of living by more than 20% . Job opportunities: Indiana’s manufacturing and agriculture industries offer many job opportunities. Schools: Indiana’s Four Star School program ranks schools for excellence and accountability. Proximity to cities: Indiana is close to major cities like Chicago and Louisville, which offer access to entertainment, culture, and more jobs. Popular cities throughout the state of indiana: Some Indiana cities that are popular with Illinois residents include Indianapolis and Fort Wayne. Indianapolis offers a low cost of living, walkable downtown, and attractions, while Fort Wayne has affordable cost of living, family-friendly neighborhoods, and good schools.

https://gustancho.com/home-loan-with-bad-credit-in-indiana/

• This discussion was modified 7 months, 1 week ago by  Connie. Reason: Spelling error

gustancho.com

Home Loan With Bad Credit In Indiana With No Overlays

Gustan Cho Associates is a mortgage company with no overlays specializing in Home Loan With Bad Credit In Indiana and dozens other states

Moving to Washington, D.C., can be an exciting adventure! As the capital of the United States, Washington, D.C. offers a unique blend of history, culture, politics, and diverse neighborhoods. Here are some tips to help you with your move:

1. Research neighborhoods: Washington, D.C. has many different neighborhoods, each with its character and amenities. Consider safety, proximity to public transportation, schools, and amenities when choosing where to live.

2. Cost of living: Washington, D.C., can be an expensive city to live in, so it’s essential to budget accordingly. Be prepared for higher housing costs, especially in popular areas.

3. Transportation: D.C. has a well-developed public transportation system, including the Metro (subway) and buses. Many residents prefer public transportation due to traffic and limited parking options in the city.

4. Climate: Washington, D.C., experiences four distinct seasons. Summers can be hot and humid, while winters can be cold and occasionally snowy. Be prepared for each season with appropriate clothing.

5. Government and politics: D.C. is the center of American politics and government. There are numerous museums, monuments, and historical sites to explore, many of which are free to the public.

6. Employment opportunities: D.C. is home to many government agencies, non-profit organizations, and international institutions. It’s also a hub for technology, finance, and consulting companies. If you’re moving for work, research job opportunities beforehand.

7. Social life and activities: There is no shortage of things to do in D.C. From dining out in diverse neighborhoods to attending cultural events and visiting museums, you’ll find plenty of activities to keep you engaged.

8. Driver’s license and registration: If you’re moving from another state, update your driver’s license and vehicle registration within a certain period to comply with local laws.

9. Meet new people: D.C. is a diverse city with various ways to meet new people and make friends. Consider joining social clubs, attending meetups, or participating in community events.

10. Be prepared for politics in daily life: Due to its political significance, discussions about politics are common in Washington, D.C. Awareness of this can help you navigate conversations and maintain respectful discussions.

Remember to check for any updated information about the city and its regulations closer to your move date, as things might have changed since my knowledge cutoff in September 2021. Good luck with your move, and I hope you enjoy your time in Washington, D.C.!

https://www.youtube.com/watch?v=8zFVVxIX4lA

Oregon is a state located in the Pacific Northwest region of the United States. Here are some key facts and information about Oregon:

1. State Capital: Salem
2. Largest City: Portland
3. Nickname: The Beaver State
4. Population: As of my last knowledge update in January 2022, Oregon had a population of approximately 4.2 million people.
5. Geography: Oregon is known for its diverse geography, which includes coastline along the Pacific Ocean, the Cascade Range with several prominent volcanoes, high deserts in the eastern part of the state, and lush forests in the western part.
6. Statehood: Oregon became the 33rd state of the United States on February 14, 1859.
7. Economy: Oregon’s economy is diverse, with significant contributions from industries such as technology, agriculture, forestry, manufacturing, and tourism. It’s home to several major technology companies and has a growing wine industry.
8. Education: Oregon is home to several universities and colleges, including the University of Oregon and Oregon State University.
9. Outdoor Recreation: The state is known for its outdoor recreational opportunities, including hiking, skiing, camping, and fishing. It has numerous state parks and national forests.
10. Crater Lake: Crater Lake, located in southern Oregon, is the deepest lake in the United States and is renowned for its stunning blue color and natural beauty.
11. Portland: Portland is Oregon’s largest city and is known for its vibrant arts scene, eclectic neighborhoods, and environmentally conscious culture. It’s also famous for its food carts, craft breweries, and the International Rose Test Garden.
12. Wine Country: The Willamette Valley in Oregon is famous for its wine production, particularly Pinot Noir. It’s considered one of the premier wine regions in the United States.
13. Mount Hood: Mount Hood is a prominent volcanic peak in the Cascade Range and is a popular destination for outdoor enthusiasts, including skiers and snowboarders.
14. Political Landscape: Oregon has a reputation for being politically progressive and has been known for initiatives like vote-by-mail and legalizing recreational marijuana.

Please note that some of this information may have changed since my last knowledge update in January 2022, so I recommend verifying any specific details with up-to-date sources if needed.