Do you get your property taxes waived if you install solar panels on your house in Wisconsin? Lisa Marie Jones and Tom Miller

What happens if a NMLS or Real Estate Licensee gets their license suspended, revoked, or taken away by the state regulator but is not charged or arrested by law enforcement and/or court system. It is just from the state regulator. License got revoked in 2013 and when is the licensee eligible to apply for a new DRE and/or NMLS license?

Individuals Barred by FINRA

The individuals listed below have a FINRA bar in effect, which means FINRA has permanently prohibited them from association with any FINRA member in any capacity. The list comprises individuals who were associated with a FINRA registered firm on or after FINRA launched Web CRD on August 16, 1999. Where indicated, individuals on this list have appealed FINRA’s final action to the SEC or, in the case of a final order of the SEC sustaining FINRA’s action, to the courts; thus, the findings and sanctions of FINRA in those instances are subject to review and modification by the SEC or the courts.

The Connection Between 10-Year Treasury Yields & Mortgage Rates – From GCA Forums News

What causes lower 10-year Treasury yields to lower mortgage rates?

• The closely observable indicators within finance and real estate are mortgage rates and the 10-year US Treasury yield. As it affects mortgage rates, it also affects the housing market.

A decrease in the yield on decade Treasury bonds usually brings a decrease in mortgage rates. But how does this work? And why is the 10-year Treasury yield such an important benchmark?

• Let’s answer these questions in a way that is easy to understand, search engine optimized, and suitable for GCA Forums News readers.

Diving into the 10-Year Treasury Yield

• A 10-year US Treasury bond is a type of governmental debt security.
• Investors purchase these bonds because they are considered low-risk and stable, commonly called the safest security.

The yield (interest rates) on 10-year Treasury bonds is determined by supply and demand:

• A rise in demand causes an increase in bond prices, leading to a drop in yield.
• Low demand leads to lower bond prices, resulting in a yield rise.

Why does this matter?

• Interest in loans, such as mortgages, car loans, and business financing, rests within the boundaries of the 10-year treasury yield, a key benchmarks that greatly affect them.

The Connection Between 10-Year Treasury Yields & Mortgage Rates

The 10-year treasury yield and mortgage rates change together.

The majority of lenders set their rates for a fixed 30-year mortgage by the 10-year treasury.

Mortgage rates usually tend to decrease with the treasury yields.

The Logic Behind It:

• Safe Asset is Sought After → Bonds Prices Relocate → Decline In Yield.
• Shifting money towards bonds results in a strong demand, which raises bond prices.
• Increasing bond prices results in low yields (interest rates available to the bondholders).

Lower Market Interest Rates Indicate Lower Treasury Yields

• Lenders depend on the 10-year treasury when estimating mortgage rates.
• Lowering yields allows lenders to reduce the mortgage rates to obtain loans.

Lenders And Banks Modify Pricing of Mortgages

• Usually, mortgage lenders are expected to incorporate the ten-year treasury yield’s spread ( a minor markup).

Case in point:

• If the ten-year yield is 4%, mortgage rates with this spread are 6%.

Bottom Line:

Lower 10-year Treasury yields result in a lowering of mortgage rates.

Higher 10-year Treasury yields result in a rise in mortgage rates.

Real-World Example: 10-Year Treasuries & Mortgage Rates in Action

A historical comparison of 10-year Treasury yields and 30-year mortgage rates looks like:

Year |10-Year Treasury|30-Year Mortgage Rate|

2020 | 0.60% | 3.00% |

2021 | 1.50% | 3.25% |

2022 | 3.90% | 6.50% |

2023 | 4.50% | 7.25% |

2024 | 3.85% | | 6.75% |

Notice the pattern?

• From 2020-2021, as the 10-year yield declined, mortgage rates also decreased at an unprecedented rate.
• However, as yields increased in 2022-2023, mortgage rates rose above 7%.
• If we anticipate yields dropping in 2025, then mortgage rates may decrease!

What Causes 10-Year Treasury Yields to Drop?

Ten-year treasury yields do not drop randomly. They respond to the economy’s performance, Federal Reserve policies, and investor behavior.

Key Factors That Lower Mortgage Rates And Treasury Yields

Economic Uncertainty & Recession Fears

• When a recession looms, investors keep funds in secure resources like Treasuries.
• This leads to bond prices rising while yields decrease, which causes mortgage rates to reduce.

Federal Reserve Policy & Interest Rate Cuts

• It is a common tendency for treasury yields to decrease when the Fed lowers its interest rates.
• When the Fed predicts future rate cuts, investors are more inclined to purchase bonds, which results in decreased yields.
• This also aids in reducing mortgage rates!

Assisting In The Reduction Of Inflation

• High inflation leads to high yields and, consequently, high mortgage rates.

If inflation decreases, the yield on treasuries falls, allowing mortgage rates to decrease.

Uncertainty In The Global Market

• Circumstances like warfare, financial complications, or a market collapse drive investors to purchase US treasuries.
• This pushes the demand for bonds even though they lower yields and increase mortgage rates.

Looking Ahead:

Is It Possible That The 10-Year Treasury Yield Dropping Decrease Mortgage Rates in 2025?

Analysts suggest that mortgage rates could drop if the Federal Reserve reduces interest rates. Lowering these rates would decrease the 10-year treasury yields.

GCA Forums News: Mortgage Rate Predictions

• It is likely that if the 10-year yield dips under 3.5%, mortgage rates will default to the sweet spot of 5.5%-6%.
• If inflation stays high and the Fed decides to raise rates continuously, mortgage rates will most likely remain at the 6.5%- 7.5% margin.
• Those hoping to buy a home should always monitor the 10-year treasury bond yields. A lower yield translates into lower rates and lesser interest when paying off mortgages.

What does this mean for prospective homebuyers and homeowners?

For those wanting to purchase a new home:

• Analyze the 10-year bond yields for reductions.
• A reduction usually links to lower mortgage payments down the line.

If the yields look good, pay the interest for a fixed rate and expect great savings.

If you’re looking to get a better rate on your current mortgage, keep an eye out for better compensation rates:

• The drop in the treasury yield means it is prudent to wait for increased refinance rates so you can zip on down to lower payments.
• Your loan’s interest rate dropping by just one percent can result in huge savings over the mortgage term.

For Real Estate Investors

• Reduced rates usually mean more cash flow from rented real estate conduits.
• Lowered rates will likely increase demand for homes, increasing property values.

Remember the 10-year Treasury yield!

A reduction almost always follows the reduction in the 10-year treasury yield in the mortgage rates.

This prime and basic deal is a good dollar for tracking and estimating the timing of making the investment, home purchase, or refinance.

what are your thoughts on these market predictions? Are you standing on the thought that mortgage rates will plummet in 2025? Could you share with us your thoughts down below?

Are you looking for pre-approval and mortgage opportunities?

Contact Gustan Cho Associates NMLS 873293.

We assist in all states within the US and its territories!

800-900-8569

Email: alex@gustancho.com

https://www.youtube.com/watch?v=gbzSaWFS8VY

This little Gorilla looks like a Chimpanzee. However, it’s a baby Gorilla with a phenomenal personality and character. Extremely smart, kind, intr

Intelligent, and entertainment. Look at how he wants to please his fans at tge zoo. Extremely loving and very loveable. Watch this short video clip.

https://youtube.com/shorts/UGE3Iv5r_K8?si=vdWDQLGpm1CZ4sDq

Pam Bondi is the first woman Attorney General in Florida.

Pamela Jo Bondi (born November 17, 1965) is an American attorney, lobbyist, and politician. A member of the Republican Party, she served as Florida attorney general from 2011 to 2019, the first woman elected to the office.

https://youtu.be/uz71vherzZk?si=713O0RFPDdvfKba4

GCA Forums Headline News for Thursday February 27th 2025. To get new viewers to GCA Forums and simultaneously convert them into loyal members, the management team at GCA Forums News must discuss appealing, interactive, and current issues that pique the interest of homebuyers, real estate investors, mortgage professionals, and other business people. Starting today’s GCA Forums Daily Headline News, we will cover this format for Thursday, February 27th, 2025. To put this into action, below you will find key daily headlines and news topics that you should focus on and that are guaranteed to attract traffic and ensure the growth of your audience:

Updates on the Mortgage Market and Interest Rates (Core Content)

As Gustan Cho Associates focuses on housing and mortgage news, we must teach our viewers and members daily about mortgage rates, market changes, and lending policies.

What We Will be Covering on GCA Forums News?

Daily updates on the mortgage rates;

Changes made on the Federal Reserve policies and their effects on the mortgage rates

Predictions on future mortgage rates

Changes made to the guidelines from lenders like Fannie Mae and Freddie Mac

Trends in credit scores and mortgage approvals

Why Does It Work?

Constant monitoring of mortgage rates is exceedingly important for homebuyers, refinancers, and people who make money buying and selling real estate.

This will help mortgage professionals greatly as they will have reliable information to share with their clients.

• Real estate news and housing market trends (Engaging for Homebuyers and Investors).
• Coverage of housing market conditions, home sales information, and price trends will attract real estate buyers and sellers alike.

What to Cover?

• Changes in home pricing index on a national and regional level.
• Stock or flow of available houses for sale.
• Trends for new home buyers and other affordability obstacles.
• Best and worst housing markets for sellers and buyers.
• Insights into the multi-family and rental markets (Perfect for investors).
• Big real estate transactions and celebrity real estate purchases (just for fun readers).

Why This is Effective?

• Real estate news is for everyone, from homeowners to investors.
• Provides useful information for people looking to buy or sell a home.

Report from the Federal Reserve & Inflation (Important for Homebuyers & Investors)

Fed decisions and inflation forecasts will determine the mortgage rate and the state of the economy.

What to Cover?

• Summaries of meetings of the Federal Reserve and their interest rate decisions.
• CPI (Consumer Price Index) and PCE (Personal Consumption Expenditures) reports.
• Speculation on the effect of predicted rate cuts/hikes on the real estate market.
• How inflation is changing home affordability.

Why This is Effective?

• Mortgage holders will be interested in knowing whether the rate will increase or decrease.
• Real estate and financial markets are where investors look for trends in inflation.

The State of the Economy and the Job Market (Interesting for Homebuyers and Business Owners)

• Inflation per household affects the affordability of housing, the granting of a mortgage, and investment level.

What to Cover?

• Unemployment and employment reports every month.
• The growth of wages compared to the appreciation of housing prices.
• Economic growth and risk of recession.
• How these changes impact mortgage lending.
• Trends in business optimism and the stock market.

How It Works:

• Readers should know how economic developments affect their purchasing capacity.
• Captures the Attention of professionals, investors, and entrepreneurs.

Government Policy & Housing Regulations (Critical For Borrowers & Realtors)

• New mortgage policies and housing market regulations change how funds are offered.

What to Cover?

• Updates on FHA, VA, USDA, and conventional loan limits.
• Proposed tax credits for novice buyers.
• New laws on rent control and tenants’ rights.
• Amendments to the Fair Housing Act and anti-discrimination policies.
• Federal government-sponsored programs to avert foreclosures.

Why It Works:

• Investors and homebuyers need to know whether changes in legislation serve their interests or work against them.
• Keeps people who work in real estate in the loop.

Real Estate Investment & Wealth-Building Tips (Ideal For Investors & Entrepreneurs)

• Real estate has topped the list as a means of building wealth, and this has prompted investors to look for professional advice.

What to Cover?

• Analysis of the best investment cities for rental homes.
• Trends in DSCR lending and other investor-friendly mortgages.
• News on the short-term (Airbnb) rental market.
• Trends in multi-family and commercial real estate investments.
• Tax provisions for real estate investors.

Why It Works:

• High-value readers are sure to find real estate investment material.
• Maximizing profits is the name of the game for investors seeking best-placed strategies.

Breaking Business & Financial News (For Entrepreneurs & Investors)

• The major financial events significantly affect real estate and mortgage markets.
• Covering major business stories strengthens your credibility profile.

What to Cover?

• The stock exchange activity and the earnings report from the company.
• News of financial institutions and banks (for example, Mortgage companies going bankrupt).
• Changes in crypto and other digital assets which influence real estate.
• Updates on credit and loan facilities for small businesses.

Why Does It Work?

• Investors, finance individuals, and entrepreneurs are heavily engaged.
• Builds credibility of GCA Forums in the business news domain.

Foreclosures, Distressed Properties, and Housing Crises (Investors and Buyers Hot Topic)

With economic unpredictability, opportunities for distressed properties and the foreclosure rate are on their minds a lot more.

What to Cover?

• Freddie Mac national and state foreclosure rate trends of a quarter.
• Real estate owned (REO) group and shortening selling market updates.
• The job market changes and their effects on foreclosure rates.
• Buying opportunities for distressed properties.

Why Does It Work?

• It is one treasure destination for investors trying to fetch deals for foreclosed properties.
• Enlightens a distressed homeowner about the options available to prevent foreclosure.

Daily Trend Hot Topics And Viral Real Estate Stories (Offers More Engagement and Saves Attention)

Casual readers can now set their focus on adding new changes within the real estate domain, in addition to adding news that will capture everyone’s Attention.

What to Cover?

• Controversies or scandals within the real estate industry.
• Success stories of buying homes that have gone viral (or horror being).
• Mortgage fraud cases that became a headline and the effects following it.
• Viral news of strange, bizarre, or unbelievable real estate properties and listings.

Why Does It Work?

• The answer is simple.
• Content that can be shared and discussed organizes interest.
• Attracts readers who do not usually pay Attention to mortgage industry news.

Expert Q&A & Forum Highlights (Increases GCA Forums Participation!)

Display the most important debates of the GCA Forums along with the best expert responses.

What to Cover?

• Series of “Ask an Expert” from mortgage specialists.
• Weekly summaries of the most interesting discussions on the GCA Forums.
• Reader questions about mortgage and housing from the audience.

Why Does It Work?

• Increases activity on the forum and growth in membership.
• Establishes GCA Forum’s reputation as a credible source for mortgage information.

The Formula for Success

To achieve high engagement and increased membership numbers, GCA Forums Daily Headline News must:

Use captivating news and blend it with expert commentary.

Simplify the difficult concepts and ideas of mortgages.

Foster public comments and input from the audience.

Use exciting and trending news about the real estate business.

GCA Forums has become a prime news resource for home buyers, mortgage specialists, and investors by focusing on those topics daily.

John Forgety

https://youtube.com/shorts/ip15qCWWq5Q?si=O-tk1qMpGHxjaP-i

Whitney Houston and Kevin Costner Soundtrack My One True Love from the movie My Bodyguard.

https://youtube.com/shorts/Kzh-2qlU7FE?si=oPK9q8-31BkMawwF

Mayor Brandon Johnson says that for Chicago to function fully, he needs $ 300 million. To do this, he wants property tax revenue from homeowners and real estate investors in Chicago, which will allow him to cover the budget deficit. So, why is Chicago so broke? Why is there a hiring freeze, and why can we not hire 700 vacancies in the Chicago police department when crime rates are skyrocketing? Why does Chicago need to make across-the-board personnel? Why is Chicago increasing fees and costs on city services, such as parking and other revenue-generating portals?

The answer is obvious. Mayor Johnson has welcomed tens of thousands of illegal immigrants, costing the City of Chicago 1 billion dollars.

From the moment he assumed office in May 2023, Chicago Mayor Brandon Johnson has dealt with a complicated economic situation. His administration set out to solve a budget deficit that is expected to reach almost $1 billion by 2025, all while trying to keep key city services running.

Budget Gap and Suggested Steps

In order to fill the gap of 986 million dollars, Mayor Johnson’s administration has proposed a balanced budget that relies on responsible spending and investing. Some highlights are as follows:

Operational Efficiencies: Reducing the headcount by over full-time 744 non-core CPD civilian positions, with 456 being from the Chicago Police Department (CPD). The primary goal is to enhance efficiency without jeopardizing public safety.

Revenue Enhancements: A boost in the tax rate on cloud computing services by 128 million dollars and a rise in parking, grocery bag, rideshare, and streaming taxes. These moves aim to broaden the revenue base of the city.

Tax Increment Financing (TIF) Surplus: A historic 570 million dollar surplus of TIFs to support Chicago Public Schools, libraries, parks, and City Colleges enables the city to invest these taxpayer dollars back into essential public assets.

Effects of the Migrant Surge

Chicago has received over 42,000 undocumented migrants, and with it has incurred unprecedented expenditures of around 299 million dollars. Since the time Mayor Johnson took office, the city has spent over 215 dollars. The spending has been directed to shelters, food, medical services, and other areas deemed necessary.

The financial commitment in support of migrants has further deepened the discussions among citizens and government officials, especially with the emphasis on the budget deficit.

Some community members are worried that spending money on migrants might decrease the resources available to long-time residents. They have made this point in public meetings where they have asked to serve locals first.

Federal Immigration Law Considerations

In discussions about federal laws on immigration, the status of Chicago as a sanctuary city has been a constant feature. Mayor Johnson has restated that the city will continue to house migrants, even when it might bring more costs and lawsuits. This position also reflects a conflict on the allocation of powers of local governments with immigration policies, particularly in times when federal aid may be scarce.

Public Response and Political Implications

These policies by the administration have drawn different reactions from citizens. In reply to the humanitarian efforts of the city, some residents get outraged by the increased taxes and steeper spending. Town halls have turned into outlets for people to vent, with many asking why so much money is spent and what the consequences are on the communities.

Finally, Mayor Brandon Johnson’s governorship has to do with attempts to control public finances while being supportive of social spending.

Chicago’s policies and public discussions have been affected recently, and quite a lot like the challenges of having a deficit budget along with the costs involved in managing a large migrant community.

Allowing the crossing of border illegal immigrants causes a $1 billion deficit in the budget, which Chicago homeowners and real estate investors can cover up with an additional $300 million tax in 2025. Shouldn’t the citizens of Chicago and other cities do something and eliminate incompetent politicians? Besides Mayor Brandon, Illinois Governor JB Pritzker is another incompetent politician who needs politician experience running a large city and state.

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

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

GCA FORUMS HOUSING AND MORTGAGE NEWS for Wednesday, February 19th, 2025. President Donald Trump is going full steam ahead with uncovering what seems to be the largest fraud and corruption in the history of the United States with the help of Elon Musk and the new federal Department of Government Efficiency (DOGE). Elon Musk has been in charge of DOGE just for three weeks, and he has uncovered trillions of dollars of fraud, corruption, and blatant irresponsible spending that no doubt has been used to embezzle taxpayer funds. The fraud and corruption include paying millions of dead people social security checks and benefits. There are recipients for these stolen taxpayer funds. President Donald Trump said that the fraud Elon Musk discovered was not even 1.0% of what is coming. Potential hundreds of billions of dollars worth of fraud that Trump and Musk are expecting to reveal are from many federal giant agencies that can and will affect the housing and mortgage marketplace, which will affect homeowners and homebuyers. The agencies that affect the housing sector and mortgage markets in the United States include the Federal Reserve Board, the Consumer Financial Protection Bureau (CFPB), the Internal Revenue Service (IRS), the Department of Housing and Urban Development (HUD, which is the parent of the Federal Housing Administration or FHA), the Department of Defense (the Pentagon), the Department of Veterans Administration, and the United States Department of Agriculture (USDA and USDA Loans). Fannie Mae, Freddie Mac, the United States Treasury, the Department of Homeland Security, the U.S. Health and Human Services, and countless other federal agencies and third-party contractors. Another important issue that affects homeowners and homebuyers is property taxes. There are many talks and debates concerning the legality and legitimacy of property taxes on single-family homes. Many homeowners, especially the elderly, President Trump is thinking of abolishing the IRS, federal income taxes, and property taxes. President Trump is also thinking about giving the American people a stimulus check from the fraud that was committed. This is a developing story from GCA FORUMS NEWS. With the abolishment of the Federal Reserve Board, interest rates is going to drop and inflation will get back to normal because the Federal Reserve Board can no longer print U.S. Currency and the dollar will be backed by Gold and Silver.

Mortgage, Business, Housing, and Real Estate News for Monday January 27th, 2025: Can you please go over housing affordability for first-time homebuyers, homeowners, and first-time homebuyers? Can you go over the validity of President Trump saying that mortgage rates will get lowered and housing will become affordable soon? Can you please explain our mortgage interest rate forecast? How is inflation? What are the most affordable states to buy a house and low cost of living? Will the Los Angeles wildfires and the hurricane damages on the Northeast affect housing and mortgage rates? What is the mortgage, business, housing, and real estate news forecast in 2025? How is Tom Homan and his Border Patrol and ICE team deportation efforts affecting the mortgage and housing market? What is going to happen to DACA children and DACA and ITIN Loans with the new administration target and role on deporting illegal migrants?

Here is an overview of the most recent Mortgage, Business, Housing, and Real Estate News for Monday, January 27, 2025: Housing Affordability for First-Time Homebuyers, Current Homeowners, and First-Time Homebuyers:

Affordability remains a major hurdle, with mortgage rates still around 6% and far above pre-pandemic levels. Although mortgage rates have reduced from the highs of 2022-2023, home prices growing at a higher rate than income presents a problem.

There is some comfort in down payment assistance programs and the new guidelines set by Fannie Mae and Freddie Mac, which allow for non-traditional credit and higher debt-to-income ratios.

Current Homeowners

Many existing homeowners benefit from historically low rates locked in before 2022. Yet, the challenge lies in moving into larger homes as a tight inventory coupled with high borrowing costs restricts options.

Homebuyers In General:

Many areas are experiencing elevated prices due to rising construction costs and scarce housing inventory. Therefore, it is recommended that buyers plan their finances accordingly, gain pre-approval, and consider more affordable new construction areas.

President Trump’s Claims About Reducing Housing Costs and Mortgage Rates

Claim Check:

• President Trump has said he will work with the Federal Reserve to lower interest rates, which can consequently lower mortgage rates.
• The Federal Reserve is independent, though.
• Its main goal is to control inflation, not necessarily reduce the cost of loans.

Affordability has a larger chance of increasing with the implementation of stricter legislation that aims to increase the housing supply and lower the prices for builders and buyers.

Future Interest Rate on Mortgages

The Current Picture:

• Federal Reserve policies and the economic context indicate that mortgage rates will stay around 6% shortly.
• However, mortgage rates aren’t immune to slight changes.

The Midterm Target Believe 2025

• Mortgage rates might drop further in mid-to-late 2025 if inflation continues to drop and the economy faces a recession.
• This will make the FOMC reconsider its hikes so that the rates raised will be minimal even with a more overprocessed economy.

2025 Inflation

Overview:

• The highest inflation rate was recorded in 2022- 2023.
• Although the shine from that peak has faded, inflation still overshoots the federal target. Housing costs, supply chains, and labor shortages are helping to keep inflation higher.

The Impact on Homes

The gradual easing of inflation has reduced the material cost burden for construction. Unfortunately, it has had little to no effect on the price of homes.

The Cheapest States to Purchase a Home InList of Cheapest States:

• West Virginia: Median home value remains relatively low, and the cost of living is below average.
• Mississippi: Low fees on houses and taxes make purchasing viable.
• Arkansas: Relatively cheaper house costs along with low overall living expenses.
• Indiana: Well-paying jobs and affordable housing options.
• Alabama: Low prices on houses and estate tax along with a low overall cost of living.

Buyers looking for the best deals will always have to look for rural and suburban dwellings in states with high rental costs.

Effects of the Wildfires in Los Angeles and the Northeast Region Hurricanes

Real Estate Market:

• As for the housing issue, the Californian fires and Northeast hurricanes worsened the existing damages.
• Efforts to rebuild these areas will require constructing more expensive buildings and hiring more workers.

Home insurance is expensive for those living in disaster-prone areas, and the price point may be unbearable for these specific regions.

Interest Rates on Mortgages

The volatility in mortgage-backed securities would make it one of the targets for worrying disproportionate changes. These disasters would make it bearable in the short term, but over the long term, without some extreme recurring events harming economic welfare, would nullify that chance.

Economic, Business, and Housing Predictions for 2025

Real Estate Market:

• Expect a still real estate market and supply in the constantly burgeoning inventory sector, and expenses in constructing new apartments are made at a premium.

Private Sector:

• Increase construction and expand services for the Romans’s services base to cover the continuously growing demand for reasonably priced housing.

Summary:

Shift in Focus Toward Affordable and Multi Family Property Investments As More Buyers Become Unable to Purchase Single-Family Homes.

The Impacts of Deportation Under Tom Homan On Immigration and Occupancy Rates of The Housing MarketRenting Demand Implication

The Housing Urban Development under Tom Homan and ICE Agents may greatly lower the demand for rental spaces in regions with a heavy immigrant focus.

Landlords that offer accommodations to illegal immigrants in cities will likely have high vacancy levels.

Shortage of Construction Workers

With fewer check constructions for new homes, housing supplements and landscaping would become heaped up due to higher undocumented DAPA immigration deportation policies.

Kids DACA, New Rule, Using ITIN, and New Head of Administration DACA DAPA

The head of the department showed that there is a lack or zero remorse in pushing for ICE to arrest and remove undocumented migrants, which puts into question the overbearing fear that DACA members have. Thanks to some legal actions, uncertainty is not very likely to help these people who promised to find stable housing.

ITIN Loans

ITIN loans given out too freely to undocumented people will likely face more skeptical borrowing and stringent requirements under the new head of the federal institution because policy changes come with many overtime risks.

The new housing market in 2025 will remain fuzzy as natural disasters and immigration will act as crucial factors alongside affordability and mortgage rates. Uninformed first-time buyers, alongside informed homeowners, would have to work with genuine, credible, capable people to guide them through the boundaries and walls on the ratio of steep pain.

Feel free to reach out if you want more information or a deeper analysis!

https://www.youtube.com/live/KXM8xKRFT8s?si=JUOKM94BXovp5oEM

• This discussion was modified 2 months, 1 week ago by  Gustan Cho.

Headline News January 27, 2025, Comprehensive Outline: President Trump’s Action Packed First Year as The 47th President.

Decision Making As President

• Has taken the oath of office as the 47th President of the United States with Vice President JD Vance.
• Bold steps are required from the start to fulfill several campaign objectives.

Removal of USSS Protection and Clearance for Various Persons.

Revocation of Security Details:

• Cleared the security details of 51 people, including key officials like John Brennan.
• Primarily focused on people who had provided testimony against Trump and his associates, especially those who claimed Hunter Biden’s laptop was fake news.

Removal of Secret Service

Cut Protectial Detail For Government Severed Individuals:

• Mike Pompeo (ex-Secretary of State).
• Dr Anthony Fauci.
• John Bolton (ex-Ambassador and National Secretary Advisory)

This action is a cost-saving measure for those who currently do not serve in any public position.

Confirmation of Cabinet Reports.

Significant Cabinet Appointments:

• Pete Hegseth, Secretary of Defense, and Vice President JD Vance confirmed with a tie-breaking vote.
• Marco Rubio: Secretary of State confirmed.
• Kristi Noem: Secretary of Homeland Security confirmed.
• John Ratcliffe, Central Intelligence Agency United States Director, confirmed this.

Considerations

A deep focus on national security and foreign policy suggests prioritizing defense and immigration policies.

Disaster Relief Visits

North Carolina:

• President Trump and First Lady Melania Trump promised to assist regions recently hit by hurricanes.

Southern California:

• Supported recovery efforts for areas affected by the raging fires.

Visit to Nevada

• Trump expressed gratitude to voters for changing the traditionally blue State to his favor during his reelection campaign.

Policy Promises And Economic Changes

No Taxes on Tips:

• Trump pledged again to remove taxes on gratuities as it affects people in the service sector most.
• Specific dates for the policies are expected soon.

Cheap Home Loans:

• Gave as a goal the beginning of making homeownership possible again, stating the need to reduce mortgage rates.
• He said he would start working with the Federal Reserve to lower the rates and control housing prices.

Broader Impacts Of Trump’s Policies

Housing Market Effect:

• Reduction in mortgage rates and increased affordability may increase the number of houses demanded by first-time buyers.

Changes In Immigration Policy

The selection of Kristi Noem as the Department of Homeland Security Secretary signals a decisive approach to enforcing border control and immigration policy.

Disbanding Protections

Revoking the Secret Service’s protection and declassifying the security clearance of president-led personnel might indicate a larger motive: cutting down budget expenditures and curtailing classified intelligence matters.

Response from the General Public, Along with Political Dynamics

Supporters

• The mourning for the expenditure has commenced alongside the grating of disguises gainful to showcase pledges and pouring attention towards central economic matters, security, and national interests.

Critics

• Considerations over the impacts of wiping off the security clearance and the secret service protection range.
• Worrying over the rest of the economic restructuring and the relief over disaster aid.

To Conclude

The initial week of Donald Trump’s presidency was marked by the most audacious steps taken and sustained opportunities availed. From disposing of the secrets and annulling the rules set for the previous officials to withstanding a staunch cabinet and helping with disaster relief, the Trump government has very clearly defined its stance for 2025. Housing permissions and the changes in taxes, which he outlined, display an intention towards economic achievement and ameliorating the living standards for the citizens. Await further specifics in the next few days.

https://www.youtube.com/watch?v=0naRKGrag6s

Mortgage-Housing and Real Estate News for Wednesday January 22nd 2025: Mortgage-Housing and Real Estate News for Wednesday January 22nd 2025:

How Trump’s Policies Immediately Affected Real Estate & Mortgages

GCA FORUMS NEWS UPDATE for Wednesday January 22nd 2025 on the Daily Mortgage, Housing, and Real Estate News for our viewers and members of our online community: Great Content Authority Forums Mortgage and Housing News: Daily National Comprehensive Overview of Mortgage and Real Estate News with special emphasis on business news, interest rates, forecast of mortgage rates, housing forecasts, new construction data, how builders forecast housing market, states with mass exodus of residents and businesses, consumer confidence, auto market and auto financing, auto repossession rates, consumer price index, employment numbers and job forecast, national economy, bankruptcy, foreclosure, and investment news. Seems Donald Trump is acting fast with pardons, executive orders, turning Tik-Tok back on, and suspending top secret clearances for those who betrayed the U.S. Constitution. What benefit has President Trump done to the Real Estate and Mortgage sector? Will Trump do something with promoting housing market and lowering mortgage rates? Viewers and members of GCA FORUMS NEWS are welcomed to view and participate on GCA FORUMS NEWS National Daily News Summary and participate asking questions and volunteer news information that may interest viewers for Wednesday January 22nd, 2025.

GCA Forums News Update: Mortgage, Housing, and Real Estate News

Wednesday, January 22, 2025

The Trans effect: President Trump’s Impact on Mortgages and Real Estate

Over the last couple of months, President Donald Trump’s new executive policies have started taking effect, especially within the real estate and mortgage market. Significant changes include the following:

Housing Affordability and Mortgage Rates

As soon as President Trump assumed office, he issued executive orders to curb the inflation, focusing primarily on housing and energy costs. His new policies could improve consumer prices in these sectors. Nevertheless, market experts believe these changes may take some time to produce effective results.

The Potential Shift Towards the Privatization of Fannie Mae and Freddie Mac

Recent moves by Trump signaling Fannie Mae and Freddie Mac privatization will significantly change mortgage lending and the entire housing sector. With Trump unveiling plans to appoint Bill Pulte as director of the Federal Housing Finance Agency (FHFA), there will be greater control over Fannie Mae and Freddie Mac.

The Modification of Regulations within the Housing Sector

This policy is especially effective when the administration changes. However, uncertainty will prevail, especially under the new administration and its policies. Foldering pending regulations may influence policies focusing on affordability and housing supply.

Dynamics of the Luxury Real Estate Market Are Changing

Activity in the luxury real estate sector, particularly in Washington D.C., has intensified since the inauguration. Prominent deals, including Howard Lutnick’s purchase of Bret Baier’s Mansion for 25 million dollars, illustrate the elevated demand for high-end real estate properties. These changes are characteristic of a more general “Hamptons-ification” of the country’s capital, where rich people want to be strategically located at the center of political power.

Economic Indicators for The New Administration and Housing Market Projections

Consumer and Employment Concerns:

• Consumer confidence is expected to surge due to the administration’s focus on deregulation and economic stimulation.
• However, the impact on job and employment figures is uncertain while policies are implemented.

Automotive Market And Loans

• However, specific policy details regarding the automotive market have not yet been released.
• The expected deregulation could affect financial aid for car purchase or leasing and repossession of financed vehicles.
• Stakeholders should keep an eye out for further announcements.

Bankruptcy and Foreclosure Trends

• The dissolution of regulations, newly introduced deregulations.
• A trade-friendly economic boost will directly impact bankruptcy and foreclosure rates.
• Regular scrutiny of the indicators is critical to understanding how the new administration affects the economy.
• Donald Trump’s first moves indicate that he is focused on deregulation and stimulating the economy, which could impact the real estate and mortgage industries.
• Some actions are meant to cut expenses and increase affordability.
• However, the immediate outcomes might be minimal, and the sustained results are still ambiguous.
• Stakeholders should be alert, informed, and flexible about policy changes.

GCA Forums News works around the clock to ensure that every piece of news pertaining to mortgages, housing, and other real estate ventures is captured and disseminated. Check out our forum for deep dives and daily updates.

GCA Forums News Update: Mortgage, Housing, and Real Estate News for Wednesday, January 22nd 2025

• This discussion was modified 2 months, 1 week ago by  Gustan Cho.

If someone is a foreign national, let’s say Serbia, and wants to visit the United States, what are the procedures of getting a visitors VISA to the United States. How long does it take and what is the process?

Value of Silver will outpace Value of Gold as precious metals skyrocket. Silver trade in a thin market. Plus Silver has investment Value as well as practical industrial Value. In 2011 Value of Silver doubled to $45 per ounce. Trading of Silver opened higher today. Start stacking Silver today.

https://youtu.be/jYV3vi-ysPk?si=oC1zFZqFGjY8B6AU

Comprehensive National Daily Headline News for Wednesday, January 8th 2025:

Latest National News on Wednesday, January 8, 2025:

Severe Winter Weather Sweeps the U.S.

A significant winter storm has hit the central, southern, and eastern United States, leaving dangerous travel conditions and widespread disruptions. Over 600 drivers were trapped in Missouri, while there were many road accidents in Virginia, Indiana, Kansas, North Carolina, and Kentucky. Richmond City in Virginia issued advice to its residents to boil water due to power outages that occurred as a result of the weather changes. Washington, D.C., and Chicago have experienced huge flight cancellations and delays. The severe weather has also forced President Biden to change his travel plans, and he is monitoring the situation closely.

Exceptionally Low Temperatures Brought on by the Arctic Blast

January may be the coldest since 2014, with Meteorologists warning that a polar vortex will bring freezing temperatures throughout eastern America next month. This comes after an unseasonably warm end of last year. Some places are expected to experience extremely low temperatures, about 30 degrees below average.

Southern California Wildfires

Several wildfires have started in Southern California areas, such as the Palisades, Eaton, and Hurst Mountains fires. The fires force people away from their homes while strong winds push them further into inhabited areas. Dust and smoke have compelled authorities to declare a state of emergency and to issue air quality warnings to congenital disabilities caused by dust inhalation or simply because smoke happened recently; these cases usually involve multiple plaintiffs who seek damages based on theories such as negligence or product liability for health problems allegedly arising from exposure during pregnancy when they lived near certain facilities like chemical plants which emitted potentially harmful chemicals into air vents leading directly into homes where pregnant women slept every night until months 9.

FUNERAL OF FORMER PRESIDENT JIMMY CARTER PLANNED

The state funeral for former President Jimmy Carter is scheduled for January 9 at the Washington National Cathedral in Washington, D.C. The 39th president of the United States, Carter, died recently and is lying in state at the U.S. Capitol.

THE WASHINGTON COMMANDERS MAKE ROSTER MOVES AS THEY GEAR UP FOR THEIR PLAYOFF MATCH

Before their Wild Card game against the Tampa Bay Buccaneers, the Washington Commanders decided to release tackle Max Pircher and sign defensive tackle Haggai Ndubuisi. The team is preparing for this match with significant updates that show it has taken into account individual performances by players and strategic considerations.

Daily Mortgage and Real Estate News for Wednesday, January 8th 2025:

By January 8, 2025, there are outstanding changes in the United States mortgage, real estate, and business sectors:

Updating about Mortgage Rates:

Current Rates:

• The average rate for a 30-year fixed mortgage is approximately 6.91%, marking the highest rate since July 2024.

Projections:

• Fixed mortgage rates will not fall until next year, as forecasted by analysts, averaging around 6.4% for 2025.
• This is slightly lower than the annual average of 6.7% last year but still above that historic average between this year and the past six years (2013-2019), which was less than or equal to 4 percent.

Housing Market Trends:

Home Prices:

• Nationally, home prices are projected to rise 3.7% in 2025, followed by 4% in 2024 and 1.1% in 2023.
• This trend will continue due to limited housing inventory and sustained demand.

Sales Activity:

• Existing home sales are expected to increase by about a half percentage point, or nearly one hundred thousand homes, to as many as four million units.
• This is far below the historical annual mean level within our analysis period – eight years (this decade).
• Besides, the housing supply may improve compared with last year’s data, including more new house constructions anticipated to total over a million units.”

Regional Insights:

Hudson Valley, New York:

• A luxurious manor in Hyde Park, initially valued at $45 million in 2021, has been resubmitted for sale at $11.25 million after three years of futile attempts to sell it.
• The considerable price reduction highlights the difficulty encountered in the upper-end real estate industry.

Banking and Financial Services:

TSB Bank Initiative:

• TSB has launched a new 5&5 mortgage scheme that gives tenants a 5% reduction on their first home, provided they put down a minimum 5% deposit.
• This initiative is intended to help renters buy the homes they are already living in, remove any complexities landlords could encounter while selling them off, and offer affordable housing alternatives as property prices rise.

Economic Indicators:

Stock Market Movements:

• On January 8, 2025, the U.S. stock futures are moving downward following a tech sell-off, with NASDAQ, S&P 500, and Dow Jones trending slightly lower.
• Hence, markets and federal agencies will be closed tomorrow for the funeral of former President Jimmy Carter.
• Moderna stock is climbing on expectations of a bird-flu vaccine after the first U.S. death from the disease was reported.
• Bitcoin and crypto stocks are falling as a strong labor report diminishes hopes of Federal Reserve rate cuts.
• Palantir Technologies’ shares continue to decrease because analysts are worried about its high valuation despite its good performance in 2024.

Challenges in Homeownership:

Affordability Issues:

• A twenty-six-year-old Perth resident earning $80,000 per annum experienced difficulty making his loan repayments when he initially could afford them easily.
• When his fixed-rate time lapsed, he had to tune into repayment that became highly increased—having to sell personal things to ensure payment was made regularly.
• This shows how many property owners feel financial pressures due to rising costs plus interest rates.

Market Outlook:

The mortgage and real estate market is characterized by higher mortgage rates, increasing home prices, and a greater focus on affordability and economic indicators. Prospective buyers and sellers should follow these trends to make wise decisions.

Lennar Homes are slashing their new home prices by 25% in 2024. CEO of Lennar admits their mortgage division is experiencing delinquencies and a higher number of debt to income ratio from consumers. Lennar Homes is America’s second largest New Home Builder.

https://youtu.be/6mmQ2TEoK-g?si=nj2aidmYgL_awc8N

What happens if a subcontractor, male, who put a hidden voice activated voice recorder and camera to capture secret personal information that he can profit from it. How they installed it was when the owners of the house who were the employer of the subcontractor hired the subcontractor to do work on their personal residence. They discovered it and cannot believe the guy capture extremely confidential personal, intimate, and business information for months.

Real estate agent commissions are being attacked once again, but as of age of myself, I was always deemed as a bargain brokerage. If I were to discount my commissions, to be competitive, the national association of Realtors seems to be losing the battle with the feds with their commission practices Are now affecting Home prices. What are your thoughts? Let me know. Check out this link. https://www.cbsnews.com/news/nar-lawsuit-verdict-real-estate-agent-commissions/

cbsnews.com

How real estate brokerage ruling could impact home buyers and sellers

Landmark verdict could ultimately reduce agent commissions by 30%, saving sellers a bundle, according to analysts.

I have a 705 credit score and zero late payments. I have a 16-year job history and make 80,000 per year. I also have a nine-year rental history. I have the opportunity to purchase the townhome that I’ve been renting, but I’m concerned because my DTI is 48.5%. Do you think I will still get an approval? If so, do you know if I will need mortgage reserves, and if so, approximately how much? I’m using a 401(k) loan for the down payment and closing costs.

I have a client who was approved for FHA with a different lender. She is in a Chapter 13 bankruptcy and has been paid on for 2.5 years. Approval must be obtained from the BK courts for the purchase. She has only W2s for 2019 and 2020 but doesn’t have tax returns. This lender is stating they need tax returns. Can you get this done without tax returns, w2s only? It’s not a self-employed situation.

I am trying to purchase a home in Wisconsin. The state of Wisconsin is a community property state. I want to exclude my wife from my FHA LOAN. However, she has a lot of debts. She has a full-time job. Can her debts not count if she makes a lot of income? Counting her debts and excluding her income disqualifies me due to going over the maximum debt-to-income ratios on an FHA LOAN. She cannot be on a loan due to a recent foreclosure reporting on a home that was surrendered 6 years ago but was taken out of her name.

Qualifying for a FHA with Gaps in Employment? What are the HUD guidelines on qualifying for an FHA loan with employment gaps?

Qualifying For FHA Loan After Chapter 13 Bankruptcy Discharge

Vice President Kamala Harris has spent $1 billion and is $20 million in debt. She has also paid celebrities and high-profile people money from her campaign for their endorsement. Kamala Harris has paid Oprah Winfrey $1 million for her endorsement. Harris paid Beyonce $10 million and Reverend Al Sharpton $500,00 for her support. The list goes on and on. Has Kamara Harris committed a money laundering scheme? Did Kamala Harris commit a crime? Who is behind this payment for the sponsorship scheme? The Democrat Party? Barack Obama? Joe Biden? Mark Cuban?

https://www.youtube.com/watch?v=fBlnmptY3dA

Chicago, Illinois branded as the top three city in the .United States.

https://youtu.be/BhgSz7XF_K0?si=VeC5qr39Uc8Yxnlf

Jeremy Dewitte is a cop wannabe police impersonator

Jeremy Dewitte has gotten arrested for impersonating police officers since he was 17 years old. Since Jeremy Dewitte is not hireable as a POST certified law enforcement officer in any state of the nation, Jeremy Dewitte opened a funeral escort service company in the state of Florida. In his fleet of vehicles for funeral escort services, Jeremy Dewitte has vehicles that resemble law enforcement vehicles such as dressing up Ford Crown Vics, Ford Explorer SUVs and motorcycle with police look alike stripes,badges, and emergency flashing lights and sirens. Check out this video

https://www.facebook.com/share/v/PVYpy8obKqn6cb19/?mibextid=21zICX

• This discussion was modified 11 months, 2 weeks ago by  Gustan Cho. Reason: Spelling error
• This discussion was modified 10 months, 1 week ago by  Sapna Sharma.

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Serial Police Impersonator Arrested by Real Police (Part One) | Serial Police Impersonator Arrested by Real Police (Part One) #criminals #cops #police #chasing | By Real World CopsFacebook

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How do I file my federal income tax return?

What is Capital Gains Tax?