what are the qualifications for a house to be approve for a FHA loan?

What if I just lost my job and cannot afford my mortgage payments?

What is the statute of limitations on debt in California? What is the statute of limitations on credit card debt in California?

What happens if someone is advised to do a voluntary chapter 13 dismissal instead of obtaining courts approval for mortgage while in the underwriting process? Will that automatically disqualify them from getting the loan?

What is delayed financing and how does delayed financing work? What are the disadvantages of delayed financing? What is the 90 day rule for delayed financing. What is the difference between delayed financing versus cash-out refinancing. What are the benefits for delayed financing. What type of mortgage loan program does delayed financing apply to? Does Texas have special rules and guidelines on delayed financing?

What is considered payment shock by mortgage lenders. How do lenders calculate payment shock. What is considered low payment shock. How is low payment shock considered a compensating factor. Can you give a few case scenarios of payment shock.

We all know that tens of thousands of people are moving out to California. What are the biggest reasons people are moving out of California?

Shots were fired at former President Donald Trump campaign rally this afternoon grazing the former President by his ear breaking his skin to make him bleed. There are no details about the shooter and how many people were involved. We have no news whether the gunman is caught or still at large. Once shots were fired, Secret Service Agents swarmed the podium for cover of Former President Donald Trump. Trump was whisked away by a team of Secret Service Agents into a black SUV for safety and medical assistance. Trump gave a fists up to relay he was alright to his supporters. From the look of things, former President Donald Trump seems not injured except for a graze by his ear but was bleeding. Excellent news is former President Donald Trump is safe and in good hands with the protection of the U.S. Secret Service. Me and members of GCA FORUMS will keep our members posted on any updates.

https://www.youtube.com/live/iYeUO1K5H9A?si=cLpX4PmNhKkNOust

• This discussion was modified 1 year, 7 months ago by  Harlan.

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

How long after a car repossession can I get a mortgage? Is there a waiting period? How can someone get a mortgage after they had a car repossessed and it shows on the credit report.

• This discussion was modified 3 years ago by  Eric Jeanette.

Can someone please explain what it means when a lender or finance company does a FORCE PLACED INSURANCE on the borrower? What does FORCE PLACE INSURANCE MEAN? HOW DOES FORCE PLACE INSURANCE WORK? WHAT IS THE PROCESS OF FORCE PLACED INSURANCE? HOW MUCH IS THE PREMIUM OF FORCED PLACED INSURANCE? DOES THE LENDER GET A KICK BACK ON FORCE PLACED INSURANCE FROM THE INSURANCE COMPANY?

Do we love our pets too much?

Two-thirds of the people in the United States have pets. If they all voted, they would be the majority. This is a 138 billion-dollar business with nearly 40 million pets.

We treat our pets like members of the family; we have pet spas, pedicures, jewel-studded collars, and boutique hotels disguised as kennels. They are not family; they are animals, and I am one of those pet owners.

Years ago, animals stayed outside; barnyard dogs and stray cats were everywhere. Cats came and went whenever they wanted. Now we have scientific studies and biological proof of why we love our pets. Wounded Warriors has dogs available to vets because dogs understand. A dog will love you more than they love themselves, an unconditional love found nowhere else.

The problem with pets is that they never grow up; they remain children, and we treat them as such. Your pet animals get expensive, and we spend thousands of dollars to keep them alive and healthy. We wheel them outside to do their business and think nothing of it. When do we end their misery? Do we keep them alive because of selfishness?

When you decide to get a dog, or a cat, for that matter, it is a lifelong commitment. What happens when you decide that you made a mistake? Bringing the dog back causes psychological issues; the dog feels abandoned. Fido gave all of himself to you, and you abandoned him. The dog may have a problem with trust; all they want to do is love and please you.

I have had many dogs in my life; my current dog now is 12 years old, and I have sworn to him that I will be with him until his last breath. I know he is here for me until mine.

I realize an investment property is a property purchased specifically to generate profit through rental income, capital gains, or resale. As a legal concept, investment property appears in securities law and business law. However, What Classifies As an Investment Property? How do I qualify for a real estate loan on an investment property? What are the steps of an investment property mortgage loan.

It is no secret Joe Scarborough is Joe and Jill Biden’s number one ass kisser. Joe Scarborough has brought five star coverage of Joe Biden and unanimously crowned 👑 himself Joe Biden’s number one ass kissing freak show. Scarborough is thought about as the World’s biggest idiot and nobody respects him nor his show. He seems he’s more mentally ill than Joe Biden and is in the state of denial about how bad the economy is under Joe Biden’s watch. However, after Thursday’s Presidential debate with former President Donald Trump, the Biden Ass Kissing Freak Joe Scarborough 😜 seems he’s calling it TRUCE. Watch this video clip.

https://youtu.be/7mZ2VSoCZ38?si=ILpUX3ci1yDIK79V

I accidentally shallowed some Scrabble tiles, and now I’m experiencing constant vowel movement. The next trip to the bathroom could spell disaster.

Viviani Fedelich is a star in the making. The team at GCA Mortgage Group and Lending Network LLC is proud to work with Viviani Fedelich. Viviani Fedelich is a role model and always goes above and beyond. Mark my words, Viviani Fedelich is a multi millionaire in the making. Attached is where Viviani Fedelich does her work and is Viviani think tank. Viviani is a commercial loan officer and a Business Development Manager at Lending Network LLC.

Utah Hard Money loans in Utah at 75% LTV and Closing in 24 hours. No cap. Investment properties only. Can close same day. Contact on Gustan Cho at gcho@gustancho.com

http://Www.gustancho.com/hard-money-loan-closings/

• This discussion was modified 12 months ago by  Sapna Sharma.
• This discussion was modified 11 months, 3 weeks ago by  Sapna Sharma.

“Extending professional courtesy” on a traffic stop typically refers to law enforcement officers giving leniency to other officers or individuals in related professions when stopped for traffic violations. This practice is somewhat controversial and varies widely depending on jurisdiction and individual officer discretion. Here are some key points regarding this practice:

What It Involves

Reasons for Extending Courtesy

• Professional Respect: Officers may feel a sense of camaraderie or mutual respect towards fellow officers.
• Understanding of Job Challenges: An appreciation of the stresses and risks associated with law enforcement might lead to more lenient treatment.
• Internal Policies: Some departments might have unwritten policies or cultural norms encouraging such leniency.

Ethical and Legal Considerations

• Fairness: Critics argue that this practice can undermine public trust in law enforcement by creating a perception of bias or unequal treatment under the law.
• Department Policies: Some departments explicitly prohibit extending professional courtesy to ensure all individuals are treated equally.
• Legal Implications: There can be legal risks if leniency leads to subsequent incidents or if it’s viewed as official misconduct.

Examples of Guidelines

Public Perception and Trust

• Transparency: To maintain public trust, many departments stress the importance of transparency and equal treatment in all enforcement actions.
• Accountability: Ensuring that all officers are held to the same standards as the public can help build community trust and accountability.

While extending professional courtesy is a practice rooted in respect among officers, it faces significant scrutiny due to concerns about fairness and public trust. Law enforcement agencies often strive to balance professional camaraderie with the need to uphold the law impartially. For more detailed information on this topic, you can refer to the guidelines and policies of specific police departments or legal analyses from reputable sources like legal journals and law enforcement ethics publications.

https://www.youtube.com/watch?v=QTcpAa1K4Ws

Veterans who are looking to purchase a home often wonder whether VA loans are worth it. If you have a down payment and enough income to qualify for virtually all of the available mortgage options, is a VA loan still the best choice?

How much does it cost to live in the neighborhood boundaries of Chicago’s Top Rates Public Elementary Schools?

https://www.openhausrealty.com/blog/how-much-does-it-cost-to-live-in-one-of-chicago-public-schools-top-elementary-neighborhood-schools/

The Mafia and LGBT

I am proud of my Greenwich Village and my heritage. Just before summer kicked in early June 1969, the Stonewall Inn riots occurred. I’m not sure how many LGBTs know of this riot on Sheridan Square in Greenwich Village. The cops had enough of the gays and decided to raid the gay bar. This was the beginning of the gay movement.

This was actually a big mistake by the local police precinct; the “boys” owned the bar. When I refer to the “boys,” I mean the Mafia. They owned all the gay bars in the village. Gays were an everyday, matter of fact, occurrence in the village. The Italians paid them no mind; they didn’t hurt anyone. Tea Roooms, as they were called, sprung up, “Black Rabbit,” “One Potato,” where I actually worked a couple of bar shifts; it’s a long story how I wound up working there. The manager’s name was Bunny. He was gay and connected to the “boys.” My sisters had gay friends in elementary school. Everything was kept quiet, all behind closed doors, until that night in June, when 1,000 protesters came out of the closet and supported the Stonewall Inn. Not all were gay; many straight Villagers joined the protest.

The cops were brutal with their batons. This was long before “The Gay Officers Action League” was born. The cops and the “boys” always got along until that night. I guess there was a “sit down” between the two, and as expected, the “boys” won the battle. When it comes to money, don’t fuck with them. I suppose the Mafia helped the Gay Rights Movement.

I have always enjoyed the Italian traditions passed down through the generations. Meatless Fridays is a Catholic tradition the Italians practiced. I still try and adhere to the meatless Fridays whenever I can, except during Lent, when there is no meat at all.

Fish was the usual choice on Fridays, and I’ve eaten a lot of good pizza on Fridays. The Campagna Region of Italy, where this dish originated, has abundant fish and lots of great pizza. I’m sharing my recipe for Bucatini Aioli e Olio, with hot honey-seared scallops.

Aioli means garlic and oil. Olio is also oil.

Cook your pasta al dente.

Add garlic, olive oil, salt, pepper, and red pepper.

Season according to preference

Cast iron pan Heat a little canola or peanut oil, not olive oil.

When the pan is hot, place dried sea scallops in the pan

Salt and pepper lightly.

Sear scallops for three minutes each side.

Serve along with the pasta on a bed of spinach

Two-ounce ramekins of hot honey on the side for dipping

Don’t worry if a little honey mixes with the pasta.

This creates an amazing by-flavor.

New Zealand Sauvignon Blancs are dry and loaded with lemon and grapefruit flavors.

The acidity will call the hot honey a little, if not a beer.I have always enjoyed the Italian traditions passed down through the generations. Meatless Fridays is a Catholic tradition the Italians practiced. I still try and adhere to the meatless Fridays whenever I can, except during Lent, when there is no meat at all.

Fish was the usual choice on Fridays, and I’ve eaten a lot of good pizza on Fridays. The Campagna Region of Italy, where this dish originated, has abundant fish and lots of great pizza. I’m sharing my recipe for Bucatini Aioli e Olio, with hot honey-seared scallops.

Aioli means garlic and oil. Olio is also oil.

Cook your pasta al dente.

Add garlic, olive oil, salt, pepper, and red pepper.

Season according to preference

Cast iron pan Heat a little canola or peanut oil, not olive oil.

When the pan is hot, place dried sea scallops in the pan

Salt and pepper lightly.

Sear scallops for three minutes each side.

Serve along with the pasta on a bed of spinach

Two-ounce ramekins of hot honey on the side for dipping

Don’t worry if a little honey mixes with the pasta.

This creates an amazing by-flavor.

New Zealand Sauvignon Blancs are dry and loaded with lemon and grapefruit flavors.

The acidity will call the hot honey a little, if not a beer.

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?

If a NMLS licensed loan officer works for a mortgage broker and is licensed in 30 states, can the loan officer be paid their commissions by 1099 on states that he is licensed in that allow 1099 compensation and be paid W2 on states that do not allow 1099 compensation>

• This discussion was modified 1 year, 10 months ago by  Gustan Cho.

I could have been tech savvy years ago. I was living in San Mateo, California, near San Jose. I was managing restaurants and my neighbor was working in San Jose. He said to be, “ I got this great sales job and you would be great at it!” I asked what was the job, he replied, “selling chips.” Now I’m thinking chips that was a great job back in New York, if you can get a chip route it paid good money. So I ask, “Lays or Pringles?” He explained micro chips was the latest invention for computers. This was 1988, Silicon Valley was yet to be established. I miss the boat and I never ate potato chips again.

Here’s a video for crime of the crime of the week folks

When Cops crossed the line and violate a citizens civil and constructional rights, they will lose their jobs and get arrested, charged and sued. They are not above the law.

https://fb.watch/opYOfBdZ_T/?mibextid=Nif5oz

I drink and I smoke!

Hey, I bet you just got a visual of me! Ha! But what I mean is, I drink great wine and I smoke food on a smoker. What? Let me explain.

I live in Northern California and LOVE eating outside during the spring, summer, and fall. A few years ago, my husband, a licensed general contractor, built me an outdoor kitchen. My love for this kitchen is deep! However, the grill he installed scared the living daylights out of me. I was literally afraid to use it, and my husband, busy with work, didn’t have time to grill. So, I found a school—yes, a BBQ school. We signed up for classes and spent a weekend in San Francisco, CA, learning all about grilling, using that intimidating grill, and getting creative with our summer meals. Then, there was a segment on smoking. Hmm, I thought I wouldn’t want to do that, but since it was part of the course, we gladly learned about it.

This is where things took a turn—I became OBSESSED with smoking food. I mean, really obsessed! So guess what? We came back home and bought a Traeger smoker! And guess what I do more than grill now? Yes, you guessed it—I smoke!

As a sommelier, I love pairing wines with food, and I find it super fun and interesting to pair smoked foods with wine. Does anyone else smoke? Let’s talk!

With all the political chaos going on among the far left with transporting illegal immigrants to NYC and surrounding suburbs, increasing local, county, and state taxes, creating many rules and regulations, New York had a flood of taxpayers flee New York to other low taxed cities and states. Now with the conviction of former President Donald Trump, many economists and political science scholars are forecasting millions of taxpayers and businesses will be leaving New York to other family and friendly states. If politicians can go after a former President of the United States and his family, New York politicians can do the same to an average Joe. Tens of thousands of taxpayers and businesses have already left New York. After yesterday’s news of former President Donald Trump being found guilty of 34 felony charges, it’s going to backfire on New York.

New York can soon become a ghost 👻 town. Stay Tuned, FOLKS.

Is investing in copper a good investment? Whether investing in copper is a good investment or not depends on several factors, including the investor’s goals, risk tolerance, and investment horizon. Here are some key points to consider regarding investing in copper:

1. Copper is a cyclical commodity: The demand for copper is closely tied to the overall health of the economy, particularly in sectors like construction, manufacturing, and infrastructure. When the economy is growing, demand for copper typically increases, driving up prices. However, during economic downturns, copper prices tend to decline.
2. Supply and demand dynamics: Copper is a finite resource, and its price is influenced by the balance between supply and demand. If new copper mines are brought online or existing mines increase production, it could lead to an oversupply and lower prices. Conversely, supply disruptions or increasing demand from emerging economies like China and India can drive prices higher.
3. Industrial usage: Copper is an essential material in many industries due to its excellent electrical and thermal conductivity, as well as its resistance to corrosion. It is widely used in electrical wiring, plumbing, and various industrial applications. The growth or decline of these industries can impact copper demand and prices.
4. Investing options: Investors can gain exposure to copper through various instruments, including copper futures contracts, copper mining stocks, exchange-traded funds (ETFs) that track copper prices, or physical copper (e.g., copper bars or coins).
5. Volatility and risk: Like many commodities, copper prices can be volatile and subject to significant fluctuations due to various factors, including global economic conditions, geopolitical events, and supply disruptions. Investing in copper carries risks, and investors should be prepared for potential price swings.

Ultimately, the decision to invest in copper should be based on thorough research, an understanding of the copper market dynamics, and an assessment of one’s investment objectives and risk tolerance. It may be advisable to consult with a financial advisor or conduct further research to determine if copper suits your investment portfolio.

https://www.youtube.com/watch?v=2p2Jwt9VZDU