I am trying to get my head around and grasp this AI; it’s not working. While at my cardiologist recently, we had a discussion on AI. His son is a cellist and has played professionally for years.

He stated, “There are good things about AI.” He went on to say his son played cello two years ago in a recording studio in Kentucky. He played the first part of a symphony he wrote, had it recorded with AI, and AI finished the symphony. My doctor said it was musically perfect—no mistakes from any instrument. The only thing missing was passion; passion in music cannot be duplicated. The essence of music is to feel its energy radiate through your body. If it doesn’t, something is missing.

I’ve been experiencing a similar reaction to my short stories. My critics read the post, not the story, then break down each phrase and each word. Here is an example: my book. “If The Creek Don’t Rise There Will Be A Parade.” I know what the title means; AI doesn’t need to explain it to me. Pretty condescending. However no one reads the book. “Wow Wine Wednesdays,” a short post on a certain wine I like. AI explains “Wednesdays,” ‘the middle of the week break.’ No one mentioned the wine. This AI is erasing all the passion involved in writing. If AI critiqued “Old Man and the Sea,” it would say, “Old man, a male of old age,” and “seas,” a large body of water smaller than an ocean. Sure it makes me want to read the book.

AI, as far as I’m concerned, always misses the point. Although you can’t argue with the facts of AI, they will always be correct. My definition of AI. AI is a big windbag that states truths, never having an opinion on any discussion. It’s like that smart ass kid you grew up with who knew all the facts about baseball but couldn’t hit a ball or catch a ball. He may know the facts, but he will never know the feeling of running down a fly ball in the outfield on a warm summer afternoon while your teammates are cheering for you to catch the ball. AI has no feelings; it can’t register passion. In truth, you can’t explain something you never really experienced.

AI will never give me goose bumps, or that warm feeling when hearing the violin, how the strings be so soothing it will erase any depression. It will never give me the tingling sensation that’s engulfs my body when a soprano hits their high C in an aria.

Let’s break down Artifical Intelligence like AI would.

Artifical: an adjective which modifies a noun: made or produced by a human being rather than occurring naturally. In other words FAKE.

Intelligence: a noun the subject of the sentence: the ability to acquire knowledge and skill

To make logical chooses, to be able to solve problems, apply critical thinking and think in the abstract. In other words being able to THINK.

AI is really a phooey, its fake and it can’t think. Ergo an oxymoron.

Oxymoron: Greek, “Oxus” means sharp and “Moros means” foolish.

French Bulldogs are a popular companion breed known for their distinctive bat-like ears, muscular build, and charming personalities. Here are some key facts about French Bulldogs: Appearance of French Bulldogs: Small breed, typically weighing under 28 pounds. Compact and muscular body with a large square head. Distinctive “bat ears” that are wide at the base and rounded at the top. Short, smooth coat that comes in a variety of colors like brindle, fawn, white, and brindle & white. Pushed-in snout and large square jaw. Temperament of French Bulldogs: Known for their affectionate, clownish, and charming personalities. Generally get along well with other pets and children when socialized properly. Tend to be quiet dogs, but some can be stubborn or mischievous. Make good apartment dogs as they don’t require extensive exercise. Can be protective of their owners but are not known as strong watchdogs. Health of French Bulldogs: Brachycephalic (short-nosed) breeds that can have breathing issues. Prone to heat exhaustion due to their shortened airways. May suffer from spinal issues, eye problems, and allergies. Generally healthy breed but require grooming and cleaning of wrinkles. History of French Bulldogs: Originated in England in the 1800s, likely from English Bulldogs. Became popular in France among lace workers, leading to their name. Brought to the United States after World War I by returning soldiers. Recognized by the AKC in 1898. French Bulldogs have risen in popularity as loving, entertaining companion dogs. Their comical expressions and unique looks charm many owners. However, their potential respiratory issues require attentive care from owners.

https://www.youtube.com/watch?v=x7qVs-cM0nU

• This discussion was modified 10 months, 1 week ago by  Jeannie.

Please keep in mind that real estate markets are subject to change over time, and conditions may have evolved since then. It’s advisable to consult more recent sources or a local real estate expert for the most current information. Here are some key points regarding the Vermont housing market up to 2022:

1. Steady Demand: Vermont has experienced a steady demand for housing in recent years, with many people attracted to its natural beauty, quality of life, and recreational opportunities.

2. Limited Inventory: Like many areas across the United States, Vermont faced a shortage of available housing inventory, which can put upward pressure on home prices.

3. Rural and Urban Variations: Vermont’s housing market can vary significantly between urban and rural areas. In urban centers like Burlington, you might find a more competitive and expensive market, while rural areas may have more affordable housing options.

4. Price Appreciation: Prior to 2022, Vermont had seen modest price appreciation in its housing market. The rate of appreciation might vary by region within the state.

5. Interest Rates: Mortgage interest rates had been historically low, making it an attractive time for buyers looking to finance their home purchases.

6. Seasonal Trends: Vermont’s housing market is also influenced by seasonal factors. The real estate market tends to be more active in the spring and summer months, with some fluctuations during the colder winter months.

7. Affordability Challenges: Despite its appeal, Vermont faced challenges related to housing affordability, particularly in popular tourist destinations and resort areas.

8. Rental Market: The rental market in Vermont had seen some changes, with demand for both short-term and long-term rentals. Vacation rentals were particularly popular in areas with high tourism.

To get the most current and detailed information about the Vermont housing market, including trends, pricing, and availability, I recommend consulting local real estate agencies, real estate websites, or recent news articles. Local real estate experts and Realtors can provide you with insights into the current conditions in specific neighborhoods or regions within Vermont.

Mortgage guidelines related to employment and income are essential factors that lenders consider when determining whether to approve a mortgage application. These guidelines help lenders assess the borrower’s ability to repay the loan. Keep in mind that specific requirements may vary by lender and location, but here are some common factors and guidelines related to employment and income for obtaining a mortgage:

1. Stable Employment History:

   • Lenders typically prefer borrowers with a stable employment history. This means having a consistent job or source of income for at least two years. Frequent job changes or employment gaps can raise concerns.

2. Income Verification:

   • Lenders will verify your income through pay stubs, W-2 forms, and tax returns. Self-employed borrowers may need to provide additional documentation, such as profit and loss statements and business tax returns.

3. Minimum Income Requirements:

   • Lenders may have minimum income requirements to ensure that you can comfortably afford the mortgage payments. This requirement is often expressed as a debt-to-income (DTI) ratio, which compares your monthly debt payments to your gross monthly income.

4. Debt-to-Income Ratio (DTI):

   • The maximum allowable DTI ratio typically falls between 43% and 50% but can vary depending on the loan program and lender. A lower DTI ratio indicates that you have more disposable income to cover your mortgage payments.

5. Credit Score:

   • Your credit score is an important factor in mortgage approval. Lenders usually have minimum credit score requirements. A higher credit score can help you qualify for better interest rates and loan terms.

6. Employment Status:

   • Lenders will verify your current employment status. If you’re changing jobs or have recently become self-employed, it can affect your mortgage application. A stable job and income source are generally preferred.

7. Seasonal or Irregular Income:

   • If your income is irregular or seasonal (e.g., freelancers, contractors, commission-based workers), lenders may require a longer history of consistent earnings or additional documentation to determine your average income.

8. Employment and Income Documentation:

   • Be prepared to provide accurate and up-to-date documentation, including pay stubs, bank statements, tax returns, and any other requested financial records.

9. Additional Income Sources:

   • Lenders may consider other sources of income, such as rental income, alimony, child support, or investment income, when calculating your ability to repay the mortgage.

10. Down Payment:

    • Your ability to make a down payment can also affect your eligibility and the terms of your mortgage. Some loans require a minimum down payment percentage.

It’s important to note that mortgage guidelines can vary depending on the type of loan you’re applying for (e.g., conventional, FHA, VA, USDA) and the lender’s specific policies. To improve your chances of mortgage approval, it’s advisable to consult with a mortgage lender or broker early in the home-buying process. They can help you understand the specific requirements and options available to you based on your financial situation and goals.

No-doc real estate loans, short for “no documentation” or “no document” loans, were a type of mortgage loan that gained popularity in the early 2000s during the housing boom in the United States. These loans were designed to make it easier for borrowers to obtain mortgages without having to provide extensive documentation of their income, employment, or financial assets. The key characteristic of no-doc loans was that they required minimal or no documentation from the borrower to verify their financial status.

Here are some key features of no-doc real estate loans:

1. Limited Documentation: Borrowers typically did not need to provide traditional income verification documents, such as pay stubs, tax returns, or W-2 forms. Instead, they might state their income on the loan application without providing any supporting evidence.

2. Higher Interest Rates: Due to the increased risk associated with lending without thorough income verification, no-doc loans often came with higher interest rates compared to traditional mortgage loans.

3. Lower Down Payments: Lenders might accept smaller down payments, allowing borrowers to purchase homes with less money upfront.

4. Risky Borrowers: No-doc loans were often marketed to self-employed individuals or those with irregular income streams who had difficulty qualifying for conventional mortgages.

5. Adjustable-Rate Mortgages (ARMs): Many no-doc loans were structured as adjustable-rate mortgages, which meant that the interest rate could change over time, potentially leading to higher monthly payments.

6. Declining Values: The popularity of no-doc loans contributed to the housing bubble and subsequent financial crisis in the late 2000s, as many borrowers who couldn’t afford the loans defaulted when interest rates adjusted or home values declined.

As a result of the housing market collapse and the financial crisis, regulations surrounding mortgage lending were tightened, and risky loan products like no-doc loans largely disappeared from the market. Today, lenders typically require borrowers to provide comprehensive documentation to verify their income and financial stability when applying for a mortgage, with the aim of ensuring that borrowers can afford the loans they are seeking.

I am a new loan officer and I want to know what states are the states that property taxes are paid in arrears and there is property tax prorations. Can you use property tax prorations for the down payment since the sellers owe you the property taxes that were not paid with property tax prorations?

I just wanted to share with everyone how important it is to have an amazing friend. Today, my friend’s house caught on fire and she immediately called me in a panic. Even though I had no idea where her house was, I reassured her that I was on my way. In the midst of assisting her with a loan, I quickly pulled up her address and rushed to the scene.

Seeing the devastation firsthand was heartbreaking. The fire had destroyed precious family photos and heirlooms, including a table that belonged to her great grandmother. As the firefighters worked to extinguish the flames, my friend realized she needed to contact her insurance company, but she couldn’t remember the name or details. Thankfully, I had all the information she had previouslyu emailed me, so I assured her that I would take care of it.

What struck me the most about this experience was how everything fell into place. It felt like a divine intervention, with all the necessary information coming together within a matter of minutes. I am incredibly grateful that my friend and her family were not home at the time of the fire, as they might have risked their lives trying to save their belongings. Unfortunately, the house was a total loss.

It was definitely an eventful day, but it reminded me of the importance of having a supportive friend in times of crisis. We never know when we might need someone to lean on, and I am grateful that I could be there for my friend when she needed it the most. As I reminded her , she was there for me . When my Dad passed , help cleaning out the attic.

Buying a House in Alabama, how are the property tax and homeowners insurance

When buying a house in Alabama, you will benefit from relatively low property taxes and moderate homeowners insurance rates compared to many other states in the U.S.

Property Taxes:

Alabama has some of the lowest property tax rates in the country. The average effective property tax rate is approximately 0.33% of a home’s market value, placing it among the states with the lowest property tax rates. For example, if you own a home valued at $200,000, your annual property tax bill would be around $660. However, property tax rates can vary by county within Alabama, so it’s important to check the specific rates in the county where you plan to buy​ (Tax-Rates.org)​​ (Tax-Rates.org)​.

Homeowners Insurance:

Homeowners insurance in Alabama can vary widely depending on factors such as the location of the property, the age and condition of the home, and the level of coverage you choose. On average, homeowners insurance in Alabama tends to be higher than the national average due to the risk of natural disasters like hurricanes and tornadoes. The average annual premium for homeowners insurance in Alabama is around $1,300, but this can be higher for homes in coastal areas prone to hurricanes​ (Tax-Rates.org)​.

Overall, while property taxes are relatively low, it’s wise to budget for potentially higher homeowners insurance costs, especially if your property is located in an area susceptible to severe weather. For the most accurate and personalized information, consider contacting local tax authorities and insurance providers in Alabama.

tax-rates.org

Alabama Property Taxes By County - 2024

The Median Alabama property tax is $398.00, with exact property tax rates varying by location and county.

What is the reason Great Content Authority (GCA) FORUMS is experiencing explosive growth is blowing away all other online message boards including Quora and Reddit. What makes everyone on the internet want to go visit and become a member of GCA FORUMS. I HAVE fact-checked verified information about Great Content Authority (GCA) FORUMS experiencing explosive growth or outperforming other online platforms like Quora and Reddit. However, I don’t have access to real-time data or insider information about emerging platforms. With concrete data and reliable sources, I can confirm and explain the growth describing Great Content Authority FORUMS and SUBFORUMS. Online platform success of Great Content Authority FORUMS (GCA FORUMS) can be due to many factors, including:

1. Unique features or user experience
2. Effective marketing strategies
3. Timing and market conditions
4. High-quality content or discussions
5. Strong community engagement
6. Niche focus or specialized content
7. Viral growth through word-of-mouth

However, these are general factors and may not apply specifically to GCA FORUMS. There is solid reasons why GCA FORUMS is indeed experiencing rapid growth. That is because GCA FORUMS is powered by Gustan Cho Associates, a dba of NEXA Mortgage and the largest mortgage company in the United States. We have facted-checked and verified official statements from the platform, industry reports, or reliable tech news sources for accurate information about their performance and reasons for success. The key is GCA FORUMS, Great Content Authority FORUMS powered by Gustan Cho Associates, it gives GCA FORUMS creditbility and authority because Gustan Cho Associates is a licensed mortgage company with a national operations and is licensed in 48 states, including Washington, DC, Puerto Rico, and the United States Virgin Islands (MA and NY is pending). Gustan Cho Associates has other national online mortgage and real estate platforms and portals that are wholly owned subsidiaries of Gustan Cho Associates. We have more specific information about GCA FORUMS’ growth or comparative performance. If you have access to specific data or sources about their growth, I’d be happy to discuss those details. Please visit https://www.gustancho.com/

gustancho.com

GCA Mortgage | Mortgage Experts With No Overlays

Whether you’ve gone through bankruptcy, divorce or you are a first-time homebuyer, Gustan Cho Associates are experts in difficult loans

South Dakota, located in the Midwestern region of the United States, has a diverse array of beautiful homes in its towns and cities. Some of the best places to live with picturesque residences include:

1. **Sioux Falls**: As the largest city in the state, Sioux Falls offers a mix of urban living and outdoor activities. It has many upscale neighborhoods with beautiful homes, like the historic McKennan Park district.

2. **Rapid City**: Known as the “Gateway to the Black Hills”, Rapid City is surrounded by breathtaking natural beauty. The West Boulevard Historic District showcases many beautiful historic homes.

3. **Spearfish**: Nestled in the northern Black Hills, this small city has an abundance of outdoor activities and is near Spearfish Canyon, a location known for its natural beauty.

4. **Deadwood**: This historic city offers a blend of modern living with an old western charm. Homes here have a unique architectural style and historic feel.

5. **Brookings**: Home to South Dakota State University, Brookings has a vibrant community with a number of beautiful homes, particularly in the historic districts.

6. **Pierre**: As the capital city of South Dakota, Pierre has many beautiful homes. With the Missouri River running alongside the city, some residences even offer waterfront views.

7. **Aberdeen**: This city is a regional hub and the third most populous city in the state. The historic districts, like Highlands Historic District, feature lovely homes with classic architecture.

8. **Hill City**: Known as the “Heart of the Hills”, Hill City is the oldest city in the Black Hills and has many beautifully designed homes amidst the forests and hills.

9. **Vermillion**: Home to the University of South Dakota, Vermillion has a rich cultural scene and an array of housing options, from historic houses to modern designs.

10. **Belle Fourche**: This small town is a rural, scenic paradise with the Redwater River flowing through it. Belle Fourche has many charming, picturesque homes.

Remember to visit these places personally and consider other factors like cost of living, education, employment opportunities, healthcare facilities, and community engagement while deciding where to live. Also, remember that “best” and “beautiful” are subjective terms, and personal preferences may vary.

Kamala Harris, is it racism?

Who is Kamala Harris? A vice president who hasn’t achieved much. She is a heartbeat away from being president. If Biden doesn’t run in November, she may be running in his stead. Every time I look up information on her, all I find is the following: The first female African American to hold the office of vice president That’s her claim to fame, and I take issue with that claim. Also, what is she? Her mother, Kamil, is from India, which makes her Asian; her father, Donald, is, get this, Afro-Jamaican with Irish ancestry. I will assume she is a woman. Why isn’t she the first Irish-Jamaican-Asian? You list the adjective first: I’m Italian American. An American by birth, a Native American is what I am. Granted, she was born in Oakland, California, apparently of many different ancestors. Why does Africa come first? She’s barely African; has she been there? I’ve been to Italy many times. I don’t play it up; it’s obvious I’m Italian. My wife’s DNA states she is 2% Polynesian; she can’t relate to that; she’s Ukrainian and Slovak. Would my wife be Polish or Polynesian? My DNA says I’m 20% Greek. Southern Italians and Greeks have been screwing around with each other for a long time. Africa is just 30 miles from Sicily. I have black cousins! Are we Afro-Italianos? Everyone here is from elsewhere. The party plays the female race ticket; just give them a minority, and they will vote them into office.Kamala Harris, is it racism?

Who is Kamala Harris? A vice president who hasn’t achieved much. She is a heartbeat away from being president. If Biden doesn’t run in November, she may be running in his stead. Every time I look up information on her, all I find is the following: The first female African American to hold the office of vice president That’s her claim to fame, and I take issue with that claim. Also, what is she? Her mother, Kamil, is from India, which makes her Asian; her father, Donald, is, get this, Afro-Jamaican with Irish ancestry. I will assume she is a woman. Why isn’t she the first Irish-Jamaican-Asian? You list the adjective first: I’m Italian American. An American by birth, a Native American is what I am. Granted, she was born in Oakland, California, apparently of many different ancestors. Why does Africa come first? She’s barely African; has she been there? I’ve been to Italy many times. I don’t play it up; it’s obvious I’m Italian. My wife’s DNA states she is 2% Polynesian; she can’t relate to that; she’s Ukrainian and Slovak. Would my wife be Polish or Polynesian? My DNA says I’m 20% Greek. Southern Italians and Greeks have been screwing around with each other for a long time. Africa is just 30 miles from Sicily. I have black cousins! Are we Afro-Italianos? Everyone here is from elsewhere. The party plays the female race ticket; just give them a minority, and they will vote them into office.

No with former President Donald Trump getting convicted on all 34 charges against him, how is the conviction of President Trump going to affect the state of NEW YORK?

A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.

When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.

I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.

I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.

When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.

I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.

I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!

Baseball and sports.

I am a baseball fan a Yankee fan for life. I grew up in the days of Mickey Mantle during the sixties. Of course, I played football and lots of basketball. I didn’t play hockey, but my wife being a huge hockey fan, I had no choice but to cheer her team on. Out all the afore mentioned sports, baseball is the only one to start on time. The only game with a clock keeping time, starts on time. First pitch is 1:04 for a day game,you could set Big Ben by the start of a baseball game. Football kick-off 3:20. No way! There first must be a half dozen commercials to air. Basketball same thing 7:20 tip off, not even close! Ads, ads, and ads.

Baseball just ticks away slowly, some call it the game for intelligent people. Like chess it moved slowly, watching a chess game is as boring as siting in the nose bleed bleachers in a baseball game without a radio. You can’t see the game or hear the game. Don’t keep started on watching golf or bowling!

Penalties in sports, sorta not fair. Kicking dirt on an umpire in baseball, you get throw out of the game. Fist fight in a basketball game, suspended two weeks, excessive brut force in football, four game suspension. Hockey all blown out boxing match with blood oozing. Two minutes in the penal box, next period you do it again.

Does anyone know the updated Fannie Mae two-to-four ulti-family guidelines on Conventional loans for owner-occupant, second homes, and investment properties?

You can be the best of the best mortgage loan originator, mortgage sales manager, mortgage branch manager, or mortgage company owner but without customer leads, what good is it. You can be a doctor with the cure to cancer but if nobody knows about it, what benefit does it have to society. You can graduate from Harvard, Yale, or Stanford Law School and have interned for Supreme Court Justices and be the best litigator in the world but without clients, you will not make descent money and may be eating Ramen noodles eveyday. However, you ever see those commercials in the wee hours in the mortgage from ambulance chancer attorneys? The lawyers that advertise they can get you millions for your injuries? Well, most of those lawyers are law school graduates who barely graduated and took them three, four, five times to pass the BAR exam and get licensed. But those lawyers are the ones that are making millions because they know how to market. Whether from organic traffic from the search engines, paid Google Ads, or television infomercials, they are marketing genius and are reaping the rewards due to reaching out to their audiences. That is how organic traffic through Google and search engines is key for loan officers and real estate professionals.

In this eLearning FORUM, I will cover how I started my mortgage website and the learning curve of my website to go viral. I am now counting nothing but organic traffic for my team of loan officers and am able to help other loan officers interested in getting organic traffic for their loan origination business. Nobody helped me while I was growing my online mortgage loan origination business so I want to give the community back by sharing my road to learning on my own through trial and error. This eLearning Forum on how to generate organic traffic from the search engines will be a series on what I had to go through, the hurdles I encountered, and the challenges that I am still facing. I created an online business marketing platform through Viral Website Developers and the Great Content Authority FORUMS (GCA FORUMS) where me and my digital marketing and technical team can offer a few select mortgage and real estate professionals a pilot program to expand my business model in an expedited system where you are able to get organic leads without paying in a fraction of the time it took me. When I first started my career as a full time mortgage loan originator, in April 2012, I tried everything possible to get leads. I cold called realtors, accountants, financial planners, and attorneys. Nothing gave me instant gratification so I explored buying leads. The very expensive leads were successful but cost $500 to $1,000 per lead. I could not afford that kind of money, therefore I purchased dollar leads. Boy was that a clustermess and stressful. I was calling these dollar leads to get yelled at from people without jobs and 400 credit scores getting called loser, get a real job, and many other humiliating names. I decided I wanted to be like Zillow and develop my own website. I created my own website on January 3rd, 2013 and went to work. I purchased my domain from GoDaddy and had a website company create a mortgage website with my newly purchased domain. To this date, I have never purchased a mortgage lead since I created and launched and started my website on January 3rd, 2013. The reason I started my website.

I did not know much about technology nor generating organic leads to originate loans. However, I set my mind that was what I wanted to do and started on my journey. I hired multiple so called SEO experts and none were successful. These so called SEO experts are nothing but fortune tellers and normally just want your money the only thing they are great at is talking out of their ass’s. From the time I created and started my website, I must have re-started my website from scratch at least 20 times or more. I knew that content was king so I started with posting content seven days a week. One thing I did not realize was that duplicate content was penalized by Google and the search engines. I then had to scratch all that and trash whatever I posted and get back to the drawing board. I started writing original content and my website started getting some recognition from Google where after six months I was getting a few leads a week where I was able to originate two to three loans a month. It started to work. I did not have a team and all I needed was a few loans a month to make a living. Religiously, I was posting new content daily and my organic unique daily visitors was increasing. During the tenure of owning and operating my website, I always seeked help, hired free lancers, and sought ways of improving daily unique visitors to my website. One thing you need to realize is that nobody will help you increase organic traffic because they consider you as competition. I will go over step by step on my mistakes and the process on developing how I am able to have a team of loan officers, support, operations, and marketing staff from mainly having a large online presence with digital media marketing and social media platform. I will discuss what Viral Website Developers has to offer. We are not website or online tool sales. We are open minded in partnering up with select mortgage professionals in expanding our online platform through Viral Website Developers where it will be a win win for our affiliates, subsidiaries, and partners. By learning what I have gone through, you can have your one-stop online mortgage business including organic lead platform in the fraction of the time it took me. It took me more than ten years to perfect my system. My team at GCA Mortgage Group generated $250,000 million dollars in 2021 with 14 states. The company we were in had high rates on government and conventional loans with only three non-qm wholesale mortgage lenders. 90% of the volume we did in 2021 were from organic leads from the search engines and we did not purchase a single lead. Now, we are at NEXA Mortgage since February 24th, 2022 with 48 licensed states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands. There is not reason why team GCA Mortgage Group should not be able to generate one billion in annual production through branch provided organic traffic. We are hiring independent loan officers wanting to have their own branch, and select loan officers who want to be tied to a branch at GCA Mortgage Group. For loan officers who are either sponsored by a member of Gustan Cho Associates or are a member of our branch, you will have the benefits of learning our unique organic lead production system and become an owner operator of the one-stop shop mortgage platform. Stay tuned. We will cover more content on this topic.

I will continue this forum in the coming days.

Los Tres Lagos Mexican Restaurant in Paddock Lake Wisconsin provides the best authentic Mexican cuisine in Paddock Lake, Kenosha County, Wisconsin Real homemade Mexican food. Dine in or carry out. Phone number 262-586-5026. Open 7 days a week 10 am until 9 pm. Lunch and dinner. 24231 75th Street, Paddock Lake, Wisconsin 53168. Main Restaurant in Sturtevant, Wisconsin. 8609 Durand Avenue, Sturtevant, Wisconsin 53177. 262-886-8686

What are building permits for renovations for your home? When are building permits required? Why are building permits required? Do building permits increase your property taxes?

Cops are human and can make mistakes like the rest of us. However, are Cops above the law? What’s this professional courtesy among police officers? Why do Cops expect to get out of tickets and DUIs? What’s this code of silence among police officers?

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Idiot Cops Who Got Caught DRUNK On The Job | Idiot Cops Who Got Caught DRUNK On The Job | By The JudgeFacebook

Idiot Cops Who Got Caught DRUNK On The Job

Pawn Stars was one of the most popular shows on cable. What happened to the cast of Pawn Stars. Here’s a video clip about what happened to the cast of Pawn Stars.

https://youtu.be/HIW9rikk-2E?si=IXL1GyA1Vu81m4Qo

Our dear friend and colleague at Gustan Cho Associates decided to make her new home in the mortgage industry at Loan Factory, a mortgage brokerage licensed in multiple states. Besides Loan Factory, Wendy Lahn also joined a second mortgage brokerage firm Loanworks. I did not realize that it was allowed to be licensed with more than one mortgage company but I guess I was wrong. Wendy is an attorney by education, a loan officer, and a real estate broker so I can have her explain the compliance end of being licensed with more than one mortgage broker.

• This discussion was modified 1 year ago by  Gustan Cho.
• This discussion was modified 1 year ago by  Gustan Cho.