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

Gustan Cho NMLS 873293 of Gustan Cho Associates is able to do 75% LTV HARD MONEY LOANS IN UTAH. Based on the information available up to my last update, several areas in Utah have been considered promising for real estate investment. Here’s an overview of some potentially attractive areas:

Salt Lake City:

• Strong job market and economic growth
• Growing tech sector (“Silicon Slopes”)
• Diverse neighborhoods with varying investment opportunities
• High demand for rentals, especially near universities

Provo-Orem:

• Home to Brigham Young University and Utah Valley University
• Strong rental market due to student population
• Growing tech industry presence

St. George:

• Rapidly growing population
• Popular retirement destination
• Booming tourism industry

Ogden:

• More affordable than Salt Lake City
• Growing job market
• Outdoor recreation attractions

Lehi:

• Part of the “Silicon Slopes” tech corridor
• Rapid job growth
• New construction and development opportunities

Park City:

• High-end real estate market
• Strong vacation rental potential
• World-class ski resorts nearby

Sandy:

• Family-friendly suburbs
• Good schools
• Proximity to outdoor recreation

Draper:

• Growing tech presence
• High-income area
• New development opportunities

South Jordan:

• Part of the fast-growing “Silicon Slopes”
• Family-oriented community
• New master-planned communities

West Valley City:

• It is more affordable than some other Salt Lake suburbs
• Diverse population
• Potential for property appreciation

When considering real estate investment in Utah, keep in mind:

• Job market and economic growth in the area
• Population growth trends
• Rental demand (especially in college towns)
• Tourism impact (for short-term rentals)
• New development and infrastructure projects
• Local zoning laws and regulations
• Property tax rates, which can vary by municipality

Always conduct thorough research and due diligence before making any investment decisions. Consult local real estate professionals, property managers, and financial advisors for the most up-to-date and area-specific information.

https://gustancho.com/getting-pre-approved-prior-to-moving-to-utah/

• This discussion was modified 8 months, 2 weeks ago by  Gustan Cho.

gustancho.com

Getting Pre-Approved Prior To Moving To Utah

People planning on moving to Utah, GCA is a no overlay lender and non-QM broker. Can help getting pre-approved prior to moving to Utah

A house in South Carolina follows a series of steps similar to buying real estate in many other states. Here’s a general outline of the process:

1. Assess Your Finances: Before you begin searching for a house, it’s essential to evaluate your financial situation. Review your credit score, calculate how much you can afford for a down payment and monthly mortgage payments, and consider additional costs like closing expenses, property taxes, and insurance.

2. Get Pre-approved for a Mortgage: This step involves approaching a mortgage lender to get pre-approved for a loan. Pre-approval will give you an idea of the loan amount you qualify for, which can help in your house search and make your offer more credible to sellers.

3. Find a Real Estate Agent: Engage a reputable real estate agent experienced in the South Carolina housing market. A skilled agent can assist you in finding properties that meet your criteria, negotiate with sellers, and guide you through the entire process.

4. House Hunting: Work with your real estate agent to search for homes that match your requirements and budget. Visit potential properties to assess their condition and consider location, neighborhood, schools, and amenities.

5. Make an Offer: Once you find a house you like, work with your real estate agent to draft a written offer to purchase the property. This offer will include the price you’re willing to pay, the proposed terms and conditions, and any contingencies you may have (e.g., home inspection, financing).

6. Negotiation and Acceptance: The seller may accept your offer outright, or they may negotiate the terms until both parties reach an agreement. Once you and the seller sign the purchase agreement, you’ll proceed with the home-buying process.

7. Home Inspection: After accepting your offer, conducting a home inspection is crucial. Hire a licensed home inspector to examine the property thoroughly for any issues or potential problems.

8. Appraisal and Financing: Your lender will likely require a home appraisal to ensure the property’s value matches the loan amount. Simultaneously, you’ll work with your lender to finalize your mortgage and complete all necessary paperwork for financing.

9. Title Search and Insurance: A title company will perform a title search to ensure no outstanding liens or claims on the property. Additionally, you’ll want to secure title insurance to protect yourself from any unforeseen title issues.

10. Closing: During the closing, you’ll sign all the necessary paperwork, including the mortgage documents and the deed. You’ll also pay the closing costs, typically including fees for various services, taxes, and insurance.

11. Possession: After the closing, you’ll receive the keys to your new home and officially become the owner.

It’s important to note that real estate processes can vary slightly depending on the specific area and local regulations. Working with a knowledgeable real estate agent and other professionals will ensure a smoother, more informed experience throughout the home-buying journey.

https://www.youtube.com/watch?v=4dMr8ki3sZE

Ronda Butts, a dually licensed realtor and loan officer at Gustan Cho Associates and Lending Network, LLC, moved to Birmingham, Alabama. Ronda has been telling about the housing market in the state of Alabama but especially the luxury housing market in Birmingham. Amazing luxury homes you can get for the money in Birmingham. Ronda, also the CEO, DIRECTOR, AND EDITOR in Chief for One Solution Real Estate, http://www.onesolutionrealestate.com, wrote a comprehensive blog about why people move to Alabama and the luxury housing market in Birmingham that I like to share with our viewers. Here is the article https://gustancho.com/reasons-homebuyers-move-to-alabama/

I am a mirror on a wall in a lobby of a very exclusive, most posh, ritziest hotel in Washington D.C. I have been stared into for a long, long time, 75 years to be exact. I arrived some time before the end World War II. No one really notices me, I mean they gaze at me, but never see me, they look straight through me. The most powerful people in the world have looked into me, never realizing my true worth.

Many times each day I am sprayed and wiped down, this sorta tickles. My gold leaf border is dusted, and no smudges are visible. I weight over 100 pounds, imported from France, created by an artisan glazier for the hotel. I am a portrait mirror, you can check the polish on your shoes and prim your hair all in one look. Every guest must pass by me, either leaving or entering the lobby, you can’t miss me! I stand tall and proud.

Most people look at me to, fix their tie, fluff their hair, smear their lipstick, presently, couples stand in front of me and take selfies, this disturbs me, the glare and the sometimes flash irritate my reflection. So what propose do I serve? I feed the ego, for one. Hundreds of people each day stare at me and wait for my reflection. Am I handsome, pretty, or just fooling them selves? I can recall many presidents checking themselves, they don’t see what I see. I can gaze right back and pierce your heart with MY stare. Politicians can be fake, fake smiles, fake teeth and fake hair. I see who they really are.

I see and stare their sadnesses and their joys, but sometimes their lie directly into me. I can still see truth. If you dyed your hair I can see the roots, if you spin and pirouette I can see all the flaws within you, there is no escaping my truth. The true joys are great to be a part of, the sadness makes me question the person. My heart aches for them, yet I must remain silent.

President Harry S. Truman was my first president. He would stare at me in wonder and awe, I soon realized he was looking for answers. He had to make the most difficult decision of any president, weather or not to drop the Atomic Bomb on Japan. The struggle for this poor man made me believe I was not only a mirror of your image, but a mirror to your soul. Harry would often dine with dignitaries at our restaurant and pass by me, I felt at times he’d wink at me like an old friend. I don’t make decisions, I show you who you really are. His guilt ran deep, but there was no other decision to make to safe our country and our boys.

I felt a part of me shatter when I heard the news of John F. Kennedy, a young man with unlimited potential who really loved America. His death started a decade of destruction. More death of world leaders, a war no one wanted. The Kennedy Family was the backbone of Washington politics. John and Jackie were the most elegant couple ever to grace the White House. When they dined at the hotel all heads turned, I must admit I was taken aback by their appearance. I almost blushed when The First Lady stared at me do adjust her near perfect hair.

Many presidents I have met through my years, my favorite was Jimmy Carter. The kindest and most sincere of all. To this day, and well into his nineties, he still gives his heart and soul to those in need. The Reagan years were a lot of funny, Hollywood moved in. John Wayne, Frank Sinatra, they all came to met and greet me.

Don’t get me wrong my tenure hasn’t been all dreary, I have made friends and there has been many joys I have shared. The countless married couples who have posed with is priceless. The fact that I can see sorrow, doesn’t mean I cant see happiness. Sadness always finds me, but I look for happiness constantly. One couple was married for 50 years. Nearing 80 years old, their reflection was awesome. The love for each other pierced through me like a bright ray from heaven. My fondest memory was when I first arrived at the hotel, it has been my fondest every since. A WW2 sailor and finance met before me just prior to his deployment. They vowed their love in front of me. The sailor swore he’d return and marry her. They set a date to meet again, June 1, after the war in my lobby. No matter where she was she would travel to Washington and patiently wait his return. The war ended and there was no word from the sailor, news travelled slow during the war, she never knew what happened to him. She would wait for a letter, hoping he was still alive. The couple of years passed and still no word. She would to DC every June as she promised. No one ever met her. Finally, in 1947 she received a letter from the US Navy stating he was alive , but a prisoner of war in a German Stalag. He had been seriously wounded and couldn’t get any communication to her. When he was released he was shipped to Oakland, California to a Veteran’s hospital for observation. The Navy’s communication where he was at was late in arriving. She stayed true to her vow.

The sailor was released and had no information where his fiancé was living. He travelled by bus one late day in May to DC. When he arrived on Memorial Day, a few days earlier then the planned date, he though she wouldn’t show up in the lobby. He had lost his leg and was wheel chair bound, barely able to use crutches he waited for days hoping to meet her again. He could not afford our fancy, expensive hotel, he sought lodging in a flea bag hotel several miles away. Over the next few days he would find his way back to our lobby. He’d sit in front of me and I saw his sorrow , same sorrow displayed by his girl when she was waiting. June 1 came, and he made camp in front of me. For some strange reason I didn’t see is sadness today, I saw joy! Just as he was began to wheel himself back to the flea bag, she walks in ! I have never and will never see such happiness in two people. Their love appeared in my eyes and I swear I began to cry. They radiated love! I stored their love in mind and think back over the years of all the sadness and love I had experienced. May their love be a reflection for all to share.

South Korean Global tech giant Samsung announced Taylor Texas will be home to Samsung’s U.S. semiconductor factory. The breaking announcement puts Taylor Texas on the global map.

https://youtube.com/playlist?list=PLnxykQ4xCbXu9EHcKzr0XqZioCz2CsDfI&si=mPANQR1Bv3ytMvAR

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There are many fake doctors that are celebrities. These so called celebrities use Dr. How many fake doctors are there. Is Dr. Jill Biden and Dr. Phil real doctors or fake doctors?

Americans no longer trust politicians and the mainstream media. Once trust is broken, you can not get it back. Trust was broken with politicians and the media. Ever listen to lying Jim Cramer of MAD MONEY JIM CRAMER show on CNBC? WHAT INFLATION? What do you mean high unemployment? The economy is great 👍. Joe Biden is great. Bidenomics? President Biden is the Navy Seal of Fighting INFLATION 💪 Whooo. We escaped a second GREAT RECESSION. Listen to Janet Yellen and FED Chair Jerome Power about their soft landing. What are they smoking 🚬 🚭 🤔. Please listen to the attached video carefully. It makes all the sense in the WORLD 🌎

https://youtu.be/Jqe0x4gqN_0?si=zm04lNC8PhWgD1XG

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!

I am a pizza! Caio! I came to this country from humble beginnings, not sure exactly where or when. But, I know I am Italian by birth, somewhere in the south, maybe Naples or Rome. I’m a simple dish made from flour, tomatoes, and cheese; yes, I have evolved and morphed into something entirely different.

Many other countries claim I am theirs; that’s because they all have flatbread with some cheese and tomatoes. I’ll tell you what I wasn’t born with: pepperoni, pineapple, and other toppings. No pepperoni in Italy; it’s soppressata, an Italian sausage.

Gennaro Lombardi was the first Italian to introduce me to America. I grew up on the Lower East Side of Manhattan, 23 1/2 Spring Street in Little Italy, a block away from Mulberry Street. I’m still here after 120 years. He took his recipe from Naples, Italy. Although pizza varies from Italian province to Italian province, I’m still basically the same.

Roman makes oval pizza, Naples’s pizza is round, and Sicilian pizza is square. Now we have thin-crust and deep-dish pizza. New York pizza is different from Italy; in New York, you walk down the street with the pizza folded and olive oil dripping down your arm. The only toppings I’m okay with are anchovies, olives, oregano, and red pepper. I don’t need much; fresh basil is nice to make a Margarita pizza. This pizza displays the color of the Italian flag, red, green, and white.

I really think I am the most popular food in the United States. Lots of countries take credit for me. I was called focaccia, just a flatbread, 2000 years ago. I have seen many things in my life. Did I ever tell you the time I first witnessed wine being discovered? I mean, what goes better with pizza than red wine.

So, I’m lying around just cooling off after just coming out of the oven, waiting to be devoured. All of a sudden, these Romans start throwing all these discarded pieces of fruit, mostly grapes, into a huge terra cotta vat in the corner. After a few days, it began to stink! It smelled like rotten eggs, which I learned was H2S, Hydrogen Sulfide. Whatever gave the Roman Centurian the idea to drink it? I thought for sure he would get sick and vomit. Instead, he suddenly turns to address the Roman Senate and says, “It needs more time.” Two weeks later, the rotting fruit turned into my favorite beverage – wine.

The same was true for cheese years ago; you encourage this mold to grow. The mold is yeast and is cultured into cheese. Many kinds of cheese really stink, so my question always was, “How do you know when cheese is bad?” You can just cut the mold off and eat the rest. I prefer “muzzarella,” aka mozzarella, made from Italian buffalo. The fresher, the better. Yes, I know “muzz” is hard to melt; that’s why the oven is over 1000 degrees.

I love when olive oil is drizzled over me; it tickles! The olive oil simmers, the cheese melts, and the tomatoes are cooked. Boy, do I smell good! I don’t even feel the pizza cutter slice through me. I am a pizza! I am round, square, and oval. Any way they make me; I am a pizza! Bon Appetite!

Here’s a funny comedy short from the Johnny Carson show

https://www.facebook.com/share/r/xCqEdP6dVFda6MzV/?mibextid=D5vuiz

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Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show | Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show | By Video Funny1980Facebook

Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show

I went to the toy store the other day to get me granddaughters a doll. They had a Muslim woman talking doll! She didn’t say much so I stared at her for awhile and I was scared shit to pull the string!

I hear the government is installing chips in everyone, that’s cool as long as mine are Doritos.

The Grapevine…

I have always liked reading weekly or daily columns by Earl Wilson, Herb Caen, Jimmy Breslin, etc. This will be the first of a weekly column, mostly about real estate-type businesses. Here are my two cents.

I heard that buying or selling a house right now is as difficult as putting a square peg in a round hole. All y’all know better than me. My wife and I have been working with a realtor in Tampa, Donna Davidson. Bless her Irish soul! She is great to work with. My wife and I found a house in Ocala, Florida, and called Donna with two other listings, all within ten minutes of each other. Donna was, at the time, visiting her sister on the opposite coast and said maybe if she called ahead to the listing realtor, that’s exactly what she did, and she spoke to Ortiz, who was handling one of the listings. Donna asked if he could possibly show the two others; his response was yes. ”We realtors have to stick together.” He was more than happy to do so and contacted my wife. They spoke briefly on the phone as I chimed in that I would give him $50 cash for his trouble. He agreed at 10 a.m. Friday morning, just before 10:30, the time we were leaving, to make the hour and a half drive to Ocala for a noon appointment. At ten minutes to twelve, he calls my wife—mind you, we are ten minutes away—and changes his mind. He now says he wants Donna’s 3% commission on the two other listings, and, get this, he wanted 6% on the house he was showing! He wanted me to screw my realtor broker and collect fifty bucks. Being the New York City boy as I am, I said, Well, you really don’t want to know, and I cursed at him like I was a drunken sailor who hasn’t been on shore leave for two years. We immediately made a u-turn and headed back to Tampa. I turned to my wife and said in my best mafia voice, “Now he’s got nothing.” I’m supposed to be buying from this guy and trusting him, and he’s screwing me even before we meet. I will only give you one chance to be trusted; if you fail, there is no second chance. He had a one-in-three chance of us buying his listing, plus he would have a crisp Grant in his pocket. Now he’s got nothing. Is this common? Also, while I’m at it, who determines the percentage rate for the realtor? Some realtors state 1.75% or 2%. What’s that all about?

Let’s get back to realtors: who do they work for? I am always confused about the buyer or the seller; they can’t sell a house without the owner, right? That’s where the cash is being generated. So they work for you, the owner. However, they play footies with the buyer, saying, “Don’t worry, we can get them down in price.” When my wife and I sold her previous house, we used. Nice people, so I thought they just wanted the listing. When we had a prospected buyer, I knew right away by the sidebar conversations that something was brewing and it was rotten. They asked me if they could have someone inspect the roof, and I agreed. The buyer brings one of his drinking buddies, wearing sneakers and a roofer. They ascended the ladder; they had no tools, had a little pow wow, and left without saying a word. People must think I’m a complete idiot; I am street smart! I have an IQ of 185 on the street! I look and sound like I came out of central casting for a mob movie. You are not pulling any wool over my eyes. Within minutes, our realtor, remembering the person working for me, calls and says in an excited voice, ”You need a new roof; the next strong wind will rip it right off!” I’m smiling and saying to myself, Are they for real? I responded to her, sort of like the drunken sailor, and told her to pick up her sign,For Sale,” which would be in the street. I pulled that sucker out of the ground as if it were a strong man’s cement or wood post and tossed them far in the street. They never came back for the sign, so I kept the 4×4 post and trashed the sign. So I ask again: who does your realtor really work for?

You heard it through the grapevine.

Do you enjoy wine? Of course you do! Do you know why? Do you pay attention to wine speak? So many frauds out there that think they know wine. The aroma reminds of wet dog, with a lingering mouth feel that’s tastes like… you can fill in the rest. Many people talk dry, but drink sweet. Yes, most wine drinkers enjoy reds, I enjoy all of them they all have a place at the table. From a Romanee Conte to a white Zinfandel. And screw the theory of white wine only with fish. If I’m grilling salmon it’s a Pinot noir all the way. Okay, enough for know if you want to learn more let’s chat. By the way I’ve been drinking wine since I was seven. I’m Italian after all. I studied viticulture, grew grapes, made wine, won medals. Taught home wine making I am a sommelier or a better description, A Wine Guy, a moniker I have had for years. For more information about me let’s talk.

Pilot of Lufthansa 747 Jumbo Aircraft has an engine failure and makes an emergency landing. Captain of the 747 Lufthansa Jumbo Jet communicates with air traffic control that the jet has an engine failure but it’s not an emergency. Air traffic control says emergency crew is on stand by. Pilot tells air traffic control emergency crew not needed when he is about to make emergency landing on the runway of airport.

https://youtube.com/shorts/HdlBfLpQ0Zs?si=QGcFiFnE3MDGPycL

@Steve , here’s the website that I told you about. @Regisregal Cynthia Kelly is a top German Shepherd breeder but she’s in Illinois

https://www.hoobly.com/s/us?q=German+Shepherd+

Former President Donald Trump indicted for four felony counts. Two indictments are two state charges and two indictments are federal charges. President Trump’s indictments court trial started last week. President Trump is the first former President of the United States to be charged after leaving office. We will cover the charges on the indictments on the following sub forums. Here’s a short video clip explaining Former President Donald J. Trump’s charges on his indictments.

https://youtu.be/wVcNg83EgUc?si=sM-PAFfOkc6k_A-P

Silver broke $24 per ounce. Buy silver. Still a very low price per ounce.

Any loan officers or real estate agents know about the new federal law on non-competes for NMLS licensed loan officers?

https://www.facebook.com/share/cgEJD2Etq9fHit7p/?mibextid=oEMz7o

facebook.com

Mike Kortas

I am super excited about the new rules for non-competes. These have been abused by so many mortgage companies hurting Loan Officers. It’s about time Loan Officers have the right to feed their...

Mortgage brokers maximum compensation or yield spread premium is 2.75% paid to the mortgage broker by the wholesale mortgage lender. However, some mortgage brokers want to get paid less such as 2.50% or 2.00% compensation or yield spread premium. I know some mortgage brokers who have 1.50% compensation plan set up. If I worked for a mortgage broker or owned my own mortgage brokerage company, can I set up various different types of compensation plans with different wholesale mortgage lenders. For example, 2.75% compensation plan with AMG, 2.25% with the Lender, 2.00% with Provident, and 1.50% with United Wholesale Mortgage? I was recommended to as @CAM-THE-MAN Cameron LeClair because he is a senior member of this forum and well respected and extremely knowledgeable. Thank you in advance.

If you want to get paid 1099 as a loan officer you need to surrender getting licensed in the following states.

1. Nevada

2. Hawaii

3. Illinois

4. Mississippi

5. NEBRASKA

6. New Jersey

7. North Carolina

8. South Carolina DFI: SC DCA NO W2

9. Georgia

10. Vermont

11. MA

More and more states are allowing loan officers become 1099 wage earners. We will update this list as states update allowing 1099 wage earner for loan officers.

• This discussion was modified 10 months, 2 weeks ago by  Gustan Cho.

I am looking at buying a RVPark- that is currently cashflowing at a 7.5cap – I am looking at changing the model a bit and infusing capital plan to add capsule airbnbs and boat storage (20) frames are already built. The Property is 10 acres – less than 2 miles from a lake that has over 6 million visitors a year. It is located 30 minutes from 2 of the largest casinos and also 3 state parks. I am wondering if someone could finance on projected dscr. Any help would be great. I will post some designs of the homes and some of the land later today.

Join us this afternoon with CEO Mike Kortas on WHY NEXA Mortgage at 1 pm CDT. Every Thursdays 1 pm CDT on WHY NEXA Mortgage is where you should start your mortgage loan origination career. CEO Kortas is hands down the best Chief Executive Officer in the mortgage industry hands down. If you can’t make today’s WHY NEXA MORTGAGE ZOOM call with CEO KORTAS, CEO Mike has a WHY NEXA MORTGAGE ZOOM CALL every Thursdays at 1 pm CDT

Here’s the link

https://www.zoom.us/j/4802285442

• This discussion was modified 1 year, 4 months ago by  Gustan Cho.

Why is is so difficult to get a mortgage loan on a home that sits on large acreage

Jeffrey Epstein has made international news as the pedophile of the stars. Famous people like Former President Bill Clinton, Bill Gates, Prince Andrew, Oprah Winfrey, AL Gore, Kathy Griffin, Charlie Sheen, Dustin Hoffman, Henry Kizinger, Dan Sneider, George Mitchell, Naomi Campbell, Phil Campbell, Steven Colbert, Sean Carter, Alec Baldwin, Dustin Hoffman, Phil Collins, Sreven Spielberg, Kevin Spacey, Joan Rivers, Charlie Rose, Seth Green, Tom Hanks, Ralph Fenese, Janice Dixon, former New Mexico Governor Bill Richardson, Richard Brandson, and several hundred politicians, actors, and CEOs of large corporations. So who is this king of pedophiles and pedophiles who befriended this child molester and monster. Here is a 60 minute special on who Jeffrey Epstein is

https://youtu.be/VQOOxOl9l80?si=e1l_X8US2RDjL6QV