Thousands of Loan Officers and Real Estate agents are leaving the Mortgage and housing industries. Every professional in the housing industry is going through a hard time including Loan Officers, Realtors, Auto Salesman, Attorneys, Appraisers, Home Inspectors, and third party professionals. Banks, credit unions, and other creditors are not extending credit to commissioned mortgage and real estate professionals due to volatile mortgage markets. The 10 year treasuries keep on skyrocketing without any signs of correction. Mortgage Rates on government loans are 7.5% for 730 credit score borrowers and conventional loans have Rates over 8% for 700 plus credit score borrowers. With surging inflation and out of control mortgage rates many homebuyers are priced out of the housing market. Thousands of Loan Officers and Realtors including owners of mortgage companies and real estate brokers are leaving the business or closing their doors. What business is the best business to get into if you were to leave the mortgage industry or real estate industry for those who have been in the industry for years or decades?

Anyone had success getting a personal loan to pay off and consolidate bills? Scores 521, 550, 578. I have 11 years of credit with several autos pif. Derog over 3 years ago, but nothing since.

What Makes an Online Forum Go Viral

I recently got denied by an incompetent lender because I was not properly qualified. Can you please help?

I’m looking for a business model (investing in real estate in Chicago area). I would like to find a way to buy condos in a place where I will pay less for them and rent for more. It would be good to find a map with Property Price -> Renting Price relationships. I know that my friend used to buy a single-family home in Burbank for $80,000 and remodeled for $40,000, sold for $180,000. But I think there are better options there.

I’m in the process of a FHA Streamline Refinance, and the loan officer is requesting all these documents: W2’s, bank statements, pay stubs, etc., plus he’s pulled a credit check. Is this normal and required?

I own a house but want to sell my existing home and rent it out and buy a larger home. How much time must pass from Chapter 7 Bankruptcy discharge to be eligible for a second home loan? How would using house #1 as a rental affect DTI? Do we need to find the tenant first?

How do you deal with a pissed off homebuyer? Is there a way to deal with a disgruntled borrower? How To Deal With Potential Mortgage Borrower Complaints Case Scenario?

What Are The Minimum Credit Scores To Qualify For A FHA Loan?

Ever considered becoming your own boss by opening your own company. Turn key full service business, commercial, and residential funding business. We will train you about how to open your own commercial loan brokerage business after you go through our training program. Unlimited opportunity. Contact Danny Vesokie at Affiliated Financial Partners at 916-402-2506. Text Danny Vesokie for a Faster Response. Affiliated Financial Partners is a preferred commercial loan officer school of Lending Network and Gustan Cho Associates. Affiliated Financial Partners LLC-Wholly Owned Subsidiary of Danny Vesokie Institute of Finance, headquartered in Sacramento, California.

• This discussion was modified 1 year, 7 months ago by  Danny Vesokie | Affiliated Financial Partners.

During his 2005 commencement speech at Stanford University, Steve Jobs talked about three personal anecdotes that illustrated some important points for the graduating class. These stories represent the things he wanted to work together on:

1. Connecting the dots

Key points:

Dropping out of college – six months after starting at Reed College, Jobs dropped out but continued to hang around campus and take classes that interested him.

Calligraphy class – although it seemed impractical at the time, taking a calligraphy class was integral in designing typography on the Macintosh computer.

Trusting your path – you can’t connect the dots looking forward; you can only connect them looking backward. Trusting that your future dots will connect down the line is what gives you hope even when it doesn’t make sense now.

Lesson: Have faith in yourself by following your curiosity, even if it seems irrelevant at present.

2. Love & loss

Key points:

Founding/firing from Apple – Starting Apple in his parents’ garage and getting fired from a company he built up were mentioned by Jobs.

Finding new passion(s) – Following those events, he found other projects (NeXT, Pixar) which eventually brought him back to Apple.

Importance of loving what you do – He said people should seek out what they love because work will consume most of their lives; and you can only be satisfied if you do great work believed in.

Lesson: Continue striving for success despite failure setbacks as this may open bigger doors later on.

3. Death

Key points:

Facing mortality – Being diagnosed with an uncommon form of pancreatic cancer made death more real for him than ever before, according to Job’s speech.

Living purposefully – Realizing life is short and not wanting to waste any more time living someone else’s dream or being confined by other people’s thinking after such an experience changed everything for him personally;

“Stay hungry. Stay foolish.” Afterward he concluded with this advice from the back cover of the final issue of The Whole Earth Catalog, which urged people to never stop being curious and settling down in their lives.

Lesson: Recognize life’s impermanence so you can focus on what really counts – continual growth and learning.

In summary

Steve Jobs’ three narratives from his commencement address share these collaborative themes:

Trust the process – stay curious even when there isn’t a clear path ahead.

Follow your passion – don’t give up on what you love because setbacks are stepping stones to better opportunities.

Live purposefully & urgently – embrace change as a necessary part of growth while staying curious all through life about everything around us.

These ideas collectively encourage individuals to trust themselves, work hard at what they are passionate about and live intentionally with curiosity every step of the way.

Here’s Steve Jobs inspirational commencement speech.

https://www.facebook.com/share/r/zY5SnLPZGEtccdJh/?mibextid=NqTh7c

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

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3,9 jt tayangan · 1,5 rb komentar | The story of this man is so inspiring and worth listening to. He changed his story by the action he took in difficult times, change yourself listen and... | By Barka U. MsheliaFacebook

The story of this man is so inspiring and worth listening to. He changed his story by the action he took in difficult times, change yourself listen and...

What happened last week that mortgage rates are plummeting. The 30-Year Treasuries dropped to 3.8% which tanked mortgage rates on government loans from 7.0 to 6.0%. 30-year U.S Treasuries were as high as near 5.0% just a few weeks ago. Gold increased to over 2,500 per ounce which is a historic high. Silver did not follow gold prices because banks were short selling Silver like crazy because banks and the Globalists have a huge short position and are afraid of getting margin calls on their Silver short positions. What economic numbers came out that caused the financial markets upside down? Will mortgage rates continue to plummet? Will it be beneficial to refinance now? How about doing Streamline Refinance on FHA and VA Loans? If I do an FHA or VA Streamline Refinance loan, can I do another FHA Streamline or VA Streamline Refinance loan if mortgage rates drop again? What are rates on conventional loans?

Dogs is man’s best friend and most people will validate this statement. Every dog has its own personality and is unique in their own way. For example, if a Labrador Retriever has ten pups, each of those pups will look similar and some may look identical where it’s hard to distinguish from one to another unless they have its own birthmark or unique characteristic. However, each one of those pups will develop their own personality and temperament as well as behavior. AMAZING how God created each living being to be unique with its own individual trait. On a macro level, breed of dogs has its own breed characteristics such as a dog having to always be a runner due to being a hunting dog breed or a dog loving water because it came from a Retriever breed. Toy dogs love to cuddle. Some dog breeds are easier to train than others. There are dog breeds that form the strongest bonds with their owners. Below is the list of dogs that form the strongest bonds with their owners.

1. Labrador Retriever

2. Golden Retriever

3. German Shepherd

4. Doberman Pinscher

5. Border Collie

6. Boxer

7. Austrian Shepherd

8. French Bull Dog

9. Yorkshire Terrier

10. Cavalier King Charles Spaniel

https://iheartdogs.com/top-dog-breeds-that-form-the-strongest-bonds-with-their-owners/

iheartdogs.com

Top 10 Dog Breeds That Form the Strongest Bonds with Their Owners

  In the diverse and enchanting world of dogs, certain breeds are particularly known for forming exceptionally strong bonds with their human companions. These breeds, with their innate loyalty, affectionate nature, and keen sensitivity to human emotions, develop deep connections … Continue reading

Like to introduce you to one of the owners of Bari Beef headquartered in Elgin Illinois. Nick Favia is one of the owners of Bari Beef, the best Italian Beef in the country. I have sent Italian Beef from Bari Beef to my CEO Mike Kortas and President Mat Grella multi times and they love it. CEO KORTAS would have fired my ass if I sent shifty Beef. I sent Bari Beef to all our senior advisors at NEXA MORTGAGE and they all love it. I want to thank everyone at Corporate NEXA Mortgage especially Taylor Bradley, Aes, Kristi Wake, Rana Mortensen, Mat Grella, Miriam Montojo, Mrs. Edna Kortas, Mike Neill, and the the ultimate CEO Mike Kortas for everything they do for me and my team. Like to thank Counselor Wendy Lahn ESQ and Mr. Nick Favia for the great Bari Beef 👍.

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, 8 months ago by  Harlan.

Here is a blog written by John Strange about FHA Refinance Guidelines. It is an older article that has been updated and posted today. Great informative article.

https://gustancho.com/fha-streamline-guidelines/

gustancho.com

FHA Streamline Guidelines on Credit and Non-Credit Refinance

FHA Streamline Guidelines on cedit and non-credit refinance do not require income docs or verification and no new appraisal is required

Here is breaking news about the Biden Crime Family and Big Mike Obama

Joe Biden is expected to speak on his scheduled press conference at 530 pm EST. Joe Biden is in the fight of his life especially to show fellow Democrats he does not have dementia and is fit to run for reelection and be the candidate for the Democrats.

California has 30 million passengers which costs $8 billion dollars to maintain the roads Californians drive. With so many Californians driving electric cars the gas tax money in California is drying up. California is now planning on taxing motorists 30 cents per mile to cover the shortage of the gas tax.

https://youtube.com/shorts/_UDPa2BMS1M?si=LgSyC2kW48ymueN_

https://www.youtube.com/watch?v=Ow027axnpow

I went to the Illinois Institute of Technology in Chicago Illinois to study metallurgical engineering which was borderline the Robert Taylor Housing Projects a gigantic subsidized Housing Project in Chicago’s most dangerous section, the near South Side by Comisky White Socks Baseball Park and near Chicago’s China Town. The Robert Taylor Homes was a notable Chicago public housing project. Here are some important facts about the development:

Location: It was in Bronzeville, a neighborhood on the South Side of Chicago.

Size and Scale: At its height, it was the biggest public housing development in the United States.

Construction: The Chicago Housing Authority (CHA) built it between 1959 and 1962 as part of an urban renewal program.

It is named after Robert Rochon Taylor who was an African American activist and also served as the first Black chairman of CHA.

Structure: The complex had 28 high-rise buildings, each one being 16 stories tall and containing 4,415 apartments.

Population: It held up to an estimated 27,000 residents at its peak time.

Demographics: Most inhabitants were African Americans living below poverty line.

Problems: With time this project came to be notorious for extreme levels of poverty, gang activity, crime among other things like these .

Decline: Declining living conditions due to poor maintenance; lack of resources; concentration of poverty .

Demolition : In accordance with Chicago’s Plan for Transformation , demolition started in 1998 and ended up seven years later – in 2007th .

Replacement : Area has been redeveloped with mixed-income houses under Legends South initiative since then till now .

Legacy : Standing as symbols for all that went wrong with high rise public housing projects across America; they also influenced future urban planning strategies entailing construction affordable homes within cities themselves.

The history behind Robert Taylor Homes mirrors wider problems faced by US cities during second half twentieth century such as racial segregation policy making on part local governments demarcating poor areas from those deemed suitable for whites only increased levels welfare dependency resulting from limited employment prospects among black communities etcetera thus becoming widely studied sociological phenomenon which continues informing debates over inner city regeneration schemes aimed at providing affordable accommodation options

https://youtube.com/shorts/KC9wPiyoO1E?si=nX37Fn56CsmxX-q0

• This discussion was modified 1 year, 8 months ago by  Gustan Cho.

Promotion of a forum requires the right kind of involvement as well as contribution to the community. Below are some tips that can help you promote a forum successfully:

Select Appropriate Forums

Find Your Niche: Look for forums within your niche and where your target market hangs out. For example, if you provide web design services; find web development, marketing, SEO among other web design focused forums.

Research Active Communities. Make sure that the forums are active with regular members’ engagement. An active board is likely to give positive results.

Join as an Individual

Know The Rules: Take time to understand how the forum operates including rules and guidelines so that you do not get banned for violating them.

Fill Out Your Profile: Include relevant information about yourself in your profile such as interests and expertise areas; this will help build trust among other participants who may want to engage further with you based on what they see there.

Create A Signature: Have links leading back into your social media accounts or even subtly linking back to own site through signature space provided by some sites if allowed thus promoting passively rather than being intrusive.

Build An Attractive Profile

Give A Detailed Description: Write down all experiences gained so far together with skills acquired during those periods which can be shared freely while helping others solve their problems hence gaining reputation points within such communities easily recognized by fellow members too since it shows one’s ability level when dealing different challenges faced daily either personally or professionally therefore giving more weightage towards answers given by such knowledgeable individuals compared against someone else without any background knowledge regarding subject matter discussed here today itself let alone its history behind it all up till now still remains undisclosed publicly because no one knows anything about everything except God Himself alone knows everything about everyone everywhere every time forevermore always only never sometimes ever

Be Transparent about Affiliations

Tell The Truth Always: Be honest enough disclosing any association with companies, brands or products lest somebody somewhere somehow discovers something somewhere somehow elsewhere anyhow sometime later in future then they might really feel betrayed because we failed to tell them everything from beginning till end concerning our involvement with various entities where certain goods were produced while representing ourselves as some kind of experts who knew much about those things when actually that was not true at all since there are many people around us even right here today who could easily expose such frauds committed by individuals like you me him her them whomsoever whatsoever wheresoever therefore let us always remain open minded even though it may cost us dearly financially but morally speaking this would save numerous souls including ours too

Add Value through Thread Contributions

Do Not Spam: Avoid posting just for the sake of promoting links. Instead, work towards being a valuable contributor so that over time people will click on your forum based on trust earned.

Contribute Meaningfully: Take part in discussions where necessary by giving useful insights related to what others have said already or sharing personal experiences which can help solve certain problems faced by different people either individually or collectively depending upon circumstances prevailing then and there thus adding more worthiness into such exchanges rather than spamming them needlessly with irrelevant stuff only designed purposely intended solely directed exclusively towards luring someone somewhere somehow into clicking somewhere else altogether thereby leading back home again after wandering away aimlessly without achieving anything meaningful throughout entire day except maybe earning another dollar bill if lucky enough not lose everything instead due bad luck following suit thereafter until bankruptcy knocks doors down left right center front rear side top bottom above below inside outside middle nowhere fast slow hard easy high low above beyond beneath beneath beside between beyond near far great small tall short thin thick wide narrow wide-ranging varying dramatically according several reasons many times frequently occasionally seldom once twice thrice four times five times six seven eight nine ten eleven twelve thirteen fourteen fifteen twenty thirty forty fifty sixty seventy eighty ninety hundred thousand million billion trillion zillion gazillion infinity number numbers periodality periodicities regularity irregularities heterogeneity homogeneity betweenness interconnection disconnectedness continuity discontinuity unity diversity different similar same other again and so forth etcetera et alia yada yada yada yadda

Ask & Answer Questions

Answer Questions: Seek out questions which can authoritatively be responded to from within the forum; this will help others see you as an expert thereby paying attention whenever they come across your profile or signature link since all along nobody knew anything about everything apart from God Himself alone knows all things about everybody everywhere every time forever always never sometimes ever

Ask Questions: Ask thought-provoking inquiries that are likely arouse curiosity among members thus making them start thinking deeply about particular subjects discussed here today itself let alone its history behind it all up till now still remains undisclosed publicly because no one knows anything about everything except God Himself alone knows everything about everyone everywhere every time forevermore always only never sometimes ever.

https://www.youtube.com/watch?v=3CGuTDp1jWc

Per CEO MIKE KORTAS NEXA Mortgage has submitted the NMLS State Mortgage Corporate Application in New York. New York has a reputation for taking longer than any other states in approving state Mortgage NMLS licenses for companies. Branches and individuals for their NMLS licensing. The tentative expected date is around six months to one year. We will keep everyone updated occasionally when we hear anything.

• This discussion was modified 1 year, 8 months ago by  Gustan Cho.

The Biden Administration and supporters of Joe Biden such as the mainstream media are trying to brain wash Americans that the economy is in great 👍 shape and Joe Biden is the president who fixed inflation and the economy. The Biden Administration and Biden supporters and the mainstream media announced vvictory soft landing on inflation and Joe Biden Administration avoided a major Great Recession. This is total bullshit lies after lies. Joe Biden is clueless and his administration is full of idiots that don’t know what they are doing. Don’t fall in to buy now pay later technique that Democrats are pushing. We are in great period of uncertainty. Inflation is soaring out of control. Real unemployment numbers are through the roof. Data released by the Biden Administration are total lies. There are no jobs created. Job numbers reported are part time jobs or temporary jobs. Treasury Secretary Janet Yellen, Fed Chairman Jerome Powell, and Joe biden are all incompetent cheating lying worthless political hacks. Read this video clip

https://youtu.be/eEB_YdElBS4?si=82f5kB0hEs4rH66C

I am a first-time precious metal investor. How do you go about investing in Gold and Silver? Do I need to watch out for scammers? Where do I buy gold or silver? What is the minimum I can invest in Gold and Silver?

For website, most important is server with cpanel with datbase and file manager, ssl.

After that in which plateform or programming language you want to run website like Html , CMS, .net etc

Layout or design of your website and content for your website.

What type of security surveillance system would you recommend to install in my house. I want surveillance cameras as well as sound and voice activated security system. I heard many of these security systems are easy to install and many are portable wireless surveillance cameras and voice activated security systems. Do you know how much it is. Ballpark. Thank you

What is the end of the world theory and the depopulation theory? Why does Bill Gates, Barack Obama, The Rothchild Family, George Soros, and the world’s globalists believe in euthanizing people older than 70 years old and depopulation?

Loss Ratios: The carrier needed to be adjusted to inflation, causing a larger claim payout and underpriced policies at the time of the claim.

Claims: Every time you interact with your insurance company, whether a tow or a not-at-fault accident, it puts you at risk of an increase.

Tickets: Most tickets, if not all tickets, affect your insurance premium moving forward. The only two that do not appear on a motor vehicle report (or MVR)are red lights and parking tickets. Excessive speeding and moving violations can seriously affect your rate.

Credit: The higher your credit score, the better you look to an insurance carrier. Now more than ever, it is imperative to have an excellent credit score.

Insurance Score: Separate from a credit score, this tracks your length of history with a carrier, length of continuous insurance, and claims tracking. This also is an accumulation of coverage you have selected for your home and auto insurance. Having state minimum coverage at 25/50/20 keeps your rates more variable and subject to change in a negative manner in the future.

These are just a few reasons your premiums may increase over the years. If you want to know more, I am happy to talk with you as your trusted insurance partner!

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Coverage is always a misconception about how it is calculated, and this may help if you have ever been in a battle with your agent.

Example:
Your home is listed or has a Zestimate for 300k, but the replacement cost of your home insurance policy is 415k.

Client A: My home is worth much LESS than that on Zillow.

Your home is listed for 600k, and your home insurance policy has a replacement cost 415k.

Client B: My home is worth much MORE than that on Zillow.

The land that your home sits on and the location of the house plays a huge role in determining the price. Think about acres of farmland with a considerable sized home or living in Downtown Chicago and the price difference per square foot of the owned space. These are both extremes, but they help show how a home can have a different replacement cost versus what it might sell for.

Fun Fact: The replacement cost of your home sometimes varies from the amount it can sell for. We fill out the Replacement Cost Estimator or RCE on the agent’s end. These are all the facts and features of your home, such as square footage, number of stories, garage, finished basement, and bathrooms. I have not listed everything that goes into an RCE, but within the RCE, there is also build quality, so if you use wood floor versus laminate, your home might take more money to rebuild

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I am planning on visiting Seoul South Korea. Do not have any family, relatives, or close friends. Any suggestions?