Dually Licensed Michelle
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The United States Attorney General Pam Bondi office in Washington D.C responds to Illinois Sanctuary policies. What thing that sanctuary policies is illegal don’t Chicago Mayor Brandon Johnson and Illinois Governor JB Pritzker don’t they understand?
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The yield on the 10-year U.S. Treasury note has dropped from 4.79% on January 13, 2025 to 4.40% on February 25, 2025.
This drop can be attributed to many economic influences such as staglation concerns, global economics, and policies from the United States.
For the 30 year mortgage, the rate is set at 6.924% which is much more favorable, allowing someone to refinance.
Experts say the rate will likely be maintained between 6%-7% within the middle term, which would slow refinancing efforts.
While it’s well known that lower Treasury yields direct decrease mortgage rates, policies from the Federal Reserve, inflation, and overall economic environment have just as large a role.
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Hope everything is good with you Austin. It saddens me to learn about your situation. In light of everything you have on your plate, it would be understandable to feel stressed. Now, with regards to your NMLS renewal and your current financial situation, here are some points to reflect upon:
NMLS Renewal Impact
Credit History: Yes, NMLS does review your credit history, but their focus is usually on the more serious matters such as bankruptcies and foreclosures. Because you have managed to stay current on your debts, I do not believe that a voluntary repossession would disqualify you from renewal, but it might raise questions.
Disclosure: In the event you do execute a voluntary repossession, be ready to report that in your renewal application. It is important to note that with your history of credit issues, transparency is very important.
Prior Experience: A good loan officer like yourself may have a history working in your favor. If you are able to prove that you are actively professional competent and willing to improve on your performance, it would soften concerns.
Financial Considerations
Voluntary Repossession: This certainly relieves most immediate pressure, but is important to note the impact it could have on a credit score long term. If you would be willing to negotiate a payment plan for the deficiency balance leftover, it could be less damaging than a repossession on your record.
Professional Help: You may look for a financial advisor or a credit counselor. They can guide you further on how to solve your issue using their debt consolidation services and assist you in avoiding repossession.
Emotional Support
If coping with stress seems very hard, not looking after your mental well-being during these tough times can be troublesome. Speak to family and close friends or join a support group so that you can express your concerns and seek attention.
Your credit issues may be a reason to worry during renewal, but as long as you remain transparent and show your professional strengths, you should be fine. The goal is to solve the matter in a way that suits your finances the best, so do not hesitate to get help.
All the best, and I wish you the best in recovering soon!
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Principal and interest on a mortgage payment stays fixed over the course of 15 and 30 year fixed rate mortgage loans. Property taxes go up year after year. 70% of property taxes is used to pay the local public school system. Some townships have increased property taxes 40% or more in recent years. Some states are thinking of abolishing property taxes. Property taxes is talks among many whether they are constitutional or not. Look at the attached video clip:
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There’s a moratorium on evictions, rent hikes, and limited power on landlords in Los Angeles County due to the Pacific Palisades Wildfire. You cannot evict anyone for not paying rent until January 1st, 2026.
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Welcome to Kyo’s family!
In this video, we follow the touching journey of the cute little monkey Kyo as she waits for her dad to come home after a long day at work. Before leaving, her dad prepared milk and fruit for Kyo, and the affection between Kyo and her dad really touches us. From the moment Kyo falls asleep on the bed, to the moment Kyo struggles to find her dad and keeps crying because she misses him, family affection is always present in every action. Kyo is not only obedient but also very independent: she takes off her diaper, washes her hands, and even eats grapes when her dad is not around. But behind those actions is a small heart, longing for attention from her loved ones. The moment Kyo hugs her dad when he comes home late will definitely melt your heart. Let’s watch the video and feel this warm affection! 
https://youtu.be/iyb-JXvpY5c?si=zBBb9xlyz5mqVBkL
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This reply was modified 2 months, 2 weeks ago by Michelle.
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This reply was modified 2 months, 2 weeks ago by
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Josh Hammer Host of the Josh Hammer show, writer, and author. He’s also a Senior Editor at Newsweek.
President Biden has penned a farewell speech warning people that Donald Trump won’t fix the unity we need and could cause Civil War. He also gas lit the American people that he saved the economy, made life better and American’s richer. And that January 6th was the worst attack on Democracy since the civil war. Why is Biden going out with so many lies or is he trying to shape his future portrayal with a letter they can’t change
Journalist James O’Keefe got a high level pentagon official on camera saying many at the Pentagon are working to subvert Trump and Sabotage his presidency. Is this treason or at least something that needs to be rooted out?
I expected Democrats to be especially nasty towards Pete Hegseth. How do you think he handled himself and did Trump pick the right guy to lead the Pentagon?
Special Counsel Jack Smith after losing his case and bein told to end it, then releases all of his notes about Trump and how he wanted to attack the case as if everything was fact. Why would he do that, is it legal and was he trying to get this in the open to try to humiliate Trump or have it public in case Pam Bondi decides to investigate him?
Pam Bondi the Attorney General Trump wants seems to have held her own today in front of the senate. Of course the big topic seemed to be will you go after Trump political enemies and do revenge cases. Do you think they are worried she will come for them because of the crap they pulled the last 4 years or are they genuinely vetting her for the good of America?
Under Governor Gavin Newsom California has seen record fires. Almost all raged because Government was ill prepared. Under newsom $24 billion was spent on homelessness. Homelessness is up 40% and so are the number of government paid employees to fight homelessness. What is going on in California and what outcomes do you see from these horrible fires on politics in California?
What are your thoughts on the news today there is going to be a swapping of hostages from Hamas and a genuine cease fire with Israel.
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What happens when a domesticated little pet monkey and a wild monkey meet? Watch this video clip
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Pierre and Elaine are the founders of the wildlife park at Saint-Martin La Plaine in France. They are in charge of several thousand square meters of land that is home to more than 850 animals. But their lives changed dramatically on 27 October 1998. In 1998, Pamela, a female gorilla, gave birth to the little Digit, whom she refused to feed. Pierre and Elaine decided to separate Digit from her mother and to bottle-feed her. And so they became her adoptive parents. However, in 2003, the scenario was repeated when Digit’s little brother Gincko was born. Pierre and Elaine now have two gorillas in their home. https://youtu.be/T_7YdXj25x0?si=W3NKXxAe7KG8rnmY</
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This reply was modified 2 months, 2 weeks ago by
Gustan Cho.
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This reply was modified 2 months, 2 weeks ago by
