What is the lowest credit scores you can have to qualify for NON-QM JUMBO LOANS?

West Virginia Senator Joe Manchin leaves the Democrat Party one day after Donald Trump’s guilty verdict on 34 felony charges. It’s coming faster than expected, folks. Donald Trump’s charges, trial, and guilty verdict is backfiring on the Democrats. I expected Trump guilty verdict backfiring on the Democrats but not this fast. More political chaos is expected in the coming days a weeks. Fatman Alvin Bragg is gleaming with joy saying he did his job. Fatso Alvin Bragg has been vowing to bury Former President Donald Trump.

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!

Want to congratulate Stephen LaFlamme on his new addition to his family, Pepper. Beautiful pup and well deserved. No doubt Pepper will have a lifelong safe and great home. Here’s a note from Steve LaFlamme:

I just got Pepper, standard size merl colored labradoodle. I couldn’t pass on this one.

Kevin Hart is one of the funniest comedians today

https://www.facebook.com/share/r/ZdLBaPY5JiYuChFS/?mibextid=D5vuiz

facebook.com

Poor Kevin... #kevinhart #dwaynejohnson #jimmyfallon #viral #fyp | | live_n_moments · Original audio

Poor Kevin... #kevinhart #dwaynejohnson #jimmyfallon #viral #fyp. live_n_moments · Original audio

This subforum will feature Tatiana Bougdaeva, a mortgage loan originator licensed in multiple states and banking professional with over thirty years of experience. Besides being an expert in the lending and real estate profession.

Tatiana Bougdaeva @Tatiana My good friend and business associate Tatiana Bougdaeva is a the owner, founder of Kalm Strategy. Tatiana Bougdaeva is a life coach and will explain what she does helping fight the aging process, and bringing yourself to peaceful and healthy life style.

Organic Anti-Aging Coaching Program

Check out her website at http://www.kalmstrategy.com

• This discussion was modified 11 months, 4 weeks ago by  Gustan Cho.
• This discussion was modified 11 months, 4 weeks ago by  Gustan Cho.

kalmstrategy.com

Kalm Strategy | Stress management, bring peace, health and wellness, Yoga, Reiki and Shamanic healing

Kalm Strategy | Stress management, bring peace, health and wellness, Yoga, Reiki and Shamanic healing

Homebuyers can get seller concessions for a home purchase from the seller up to 6% of the home purchase price which can be quite large. So on a $500,000 home purchase, the seller concessions can be a total of $30,000. Can the home buyer use the $30,000 on a $500,000 home purchase for the down payment?

NMLS distance from mortgage company brick and mortgage location to personal residency requirements on individual states.

https://docs.google.com/spreadsheets/d/1SE5mgppadh9ZJh0gcqek636JKcNOcOQ42pLhH39x6e4/edit?usp=drivesdk

• This discussion was modified 3 months ago by  Sapna Sharma.

When is a good time to refinance if you have a 7.5% rate on FHA loan? I heard mortgage rates are dropping lower.

An XML sitemap is an important tool for search engine optimization (SEO) for a few key reasons:

1. Indexing: A sitemap helps search engines like Google and Bing to better understand the structure of your website and more efficiently crawl and index all of your site’s pages. This can help ensure all of your content gets discovered and indexed.

2. New content discovery: When you update your sitemap as you publish new content, search engines can more quickly find your latest blog posts, products, services, etc. This helps get your new content indexed faster.

3. Page priority: A sitemap allows you to indicate the relative priority of each URL on your site. This signals to search engines which pages you deem most important for indexing and ranking purposes.

4. Eliminates crawling issues: By mapping out all URLs on your site explicitly, you can minimize issues search engines might have discovering pages, like pages deep in your site architecture. This ensures search bots don’t miss important content.

5. Provides metadata: In a sitemap, you can include optional metadata for each URL like when the page was last updated, how often the page changes, alternate language pages, and more. This extra data can aid search engines in understanding your site.

So in short, an XML helps search engines efficiently crawl your site, ensures all pages get discovered and indexed, communicates page priority levels, avoids crawling issues, and sends valuable metadata about your content to search providers. This all contributes to better rankings and visibility in organic search results.

I have never been so sure of anything like I am with investing in silver. Both Gold and Silver are great investments. The truth is that big banks and the Globalists have been shorting silver and gold. The dollar is not backed by anything but a by-product of the Democrats and Globalists printing it whenever they are short of buying things. The Globalists are in major panic mode because their printing press is over if silver takes off. My prediction is the Feds are going to evaporate, major Democrats like Obama, Pelosi, Biden, Schiff, Gavin Newsom, BJ Giver Kamala Harris, and Rhinos like George Bush and Mick Romney are going to get locked up and sent to Guantanamo Bay, and executed. Right now, 25 dollars an ounce will probably be the last call to buy silver. Don’t buy paper silver. Buy the silver bars or coins. The physical silver where you can touch it, feel it. Smell it, and see it. I would not be surprised if silver goes over $1,500 per ounce.

Does anyone know anything about C2 FINANCIAL and why so many loan officers are leaving their retail mortgage company and going to C2 FINANCIAL?

Forums are powerful for you to generate organic traffic which in turn get call to action and get those organic traffic converted to customer leads. Watch this video. We will cover more on the power of FORUMS to succeed and using FORUMS TO BE YOUR MARKETING PLATFORM as a loan officer or real estate agents. Here are some effective strategies for using online forums to generate organic traffic and leads:

1. Identify Relevant Forums Research and join forums where your target audience is active. Look for large, authoritative forums in your industry or niche.
2. Create a Value-Driven Profile Set up a complete profile with your name, photo and a compelling bio highlighting your expertise. This builds credibility.
3. Engage Consistently Don’t just drop links – participate actively by answering questions, offering advice and creating high-quality content contributions. Build relationships.
4. Add a Signature Link Most forums allow signature links back to your site or landing page. Keep it simple, compelling and relevant.
5. Share Original Content Post original data, research, case studies or unique insights that provide massive value. This exhibits your authority.
6. Seed Strategic Questions Occasionally ask questions related to your products/services to organically promote awareness and sharing of solutions.
7. Offer Consultation/Support Provide free consultation or support to members having relevant problems/needs you can help with. Share insights then suggest exploring further.
8. Give Away Premium Content Like guides, checklists or templates related to your expertise. Incentivize with exclusive subscriber content.
9. Feature Customer Success Share customer success stories, reviews or use cases relevant to the forum’s interests.
10. Host Contests/Giveaways Run contests or giveaways forum members can enter by visiting your site and completing an action like subscribing.

The key is to focus on providing immense value first. Build authority, rapport and trust – then you can steadily convert interested members into leads or traffic.

https://youtu.be/rHokl4skVjY?si=hdeLj_Ja1gJ1q3_a

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

Ladies and gentlemen, breaking news. Our first transgender first Lady, Big Mike Obama

Home prices in Florida are 35% over valued which is making real estate investors in a frantic panic on an investment property sell off. Real estate inventory levels are exploding. Prior to the coronavirus pandemic, home prices in Florida was undervalued. Now, it is the pandemic correction market and are overvalued significantly. There are reports that real estate investors in Florida are growing increasingly concerned about the rising inventory levels and cooling housing market conditions in the state. Here are some key points about the situation:

1. Inventory surge: After years of extremely tight housing inventory, the number of homes listed for sale in Florida has surged significantly in recent months. This is being driven by sellers looking to cash out amid high prices and buyers pulling back due to elevated mortgage rates.
2. Investor pullback: Many real estate investors, including those who bought properties to flip or use as short-term rentals, are reconsidering their strategies. The fear is that they may not be able to sell or rent out properties as easily or at the prices they had anticipated.
3. Price cuts: To attract buyers in the shifting market, some investors are already slashing asking prices on their listings, leading to concerns about potential losses on their investments.
4. Increased holding costs: With higher mortgage rates and economic uncertainty, the carrying costs of holding onto investment properties have risen, putting pressure on investors’ cash flows.
5. Airbnb impact: The short-term rental market in tourist hotspots like Florida has also cooled, making it harder for investors to rely on platforms like Airbnb for steady income streams.
6. Oversupply fears: There are worries that if too many investor-owned properties flood the market simultaneously, it could lead to an oversupply situation and further drive down prices in some areas.

While it’s still early to determine the full extent of the impact, the rapid changes in Florida’s housing landscape have caught many real estate investors off guard. Some may be forced to recalibrate their investment strategies or exit the market entirely to cut their losses.

https://www.youtube.com/watch?v=5mUS43VYNrc

What do they mean by being a high-cost mortgage loan? How would you answer this question on high-cost mortgage loans?

Robert took out a high-cost loan in Utah for $250,000 at 90% LTV at a rate of 11% and kept the loan for two years. Robert is now paying off the current loan amount of $247,617. What is the maximum prepayment penalty that can be charged under the Utah High-Cost Loan Rule? Calculate using simple interest.

Here is the answer to the above question:

Six months of interest at 80% of original value $250,000/90% (0.90)=$277,777 value x 80%= $222,222×11%(0.11)=$24,444/12×6 months= $12,222.

• This discussion was modified 1 year, 1 month ago by  Susan.

Seems like everyone is an expert in the media where they say that mortgage rates are still low. Jim Kramer of CNN is the biggest liar and bullshitter who has great talent. Jim Krammer talent is lying with a straight face on national television on how great the economy is, how inflation is under control, and how mortgage rates are still low compared to 1980. All of these liberal clowns need to shut down their clownshow and get off the air. What are your thoughts of mortgage rates forecast in the coming months through 2025? What are your thoughts of inflation, the housing market, the stock market, the dollar, unemployment, and investment opportunities?

Housing inventory levels in Florida have seen a significant increase recently after years of extremely tight supply. Here are some key points about the rising inventory situation in Florida’s housing market:

1. Sharp inventory rise: According to data from Florida Realtors, the inventory of active listings in Florida was up over 85% year-over-year in March 2023. This translates to around 4-5 months’ supply of homes for sale in many markets, compared to 1-2 months during the pandemic frenzy.
2. Seller influx: More homeowners in Florida are listing their properties for sale, driven by factors like the desire to cash in on high home prices, concerns about missing the peak of the market, or life changes necessitating a move.
3. New construction impact: An increase in new home construction over the past couple of years is also contributing to higher inventory levels across different price points.
4. Investor selling: Real estate investors who bought properties during the housing boom are now offloading some of their holdings in anticipation of a market cooldown.
5. Regional variations: While inventory is up statewide, the increase is more pronounced in some areas like Tampa, Orlando, and Miami, compared to others like Jacksonville.
6. Price adjustments: With more choices for buyers, properties that are overpriced or less desirable are sitting longer on the market, prompting some sellers to reduce asking prices.
7. Moderating sales: Higher mortgage rates and economic uncertainty have led to a moderation in home sales activity, further contributing to inventory buildup.

The surge in housing inventory in Florida provides more options for buyers who had been frustrated by the intense competition and lack of available homes during the pandemic boom years. However, it also signals a market shift that real estate investors and sellers need to navigate carefully.

As a multi-state MLO based in Utah, I am always looking for indicators in other states to predict what may be around the corner and what states I should focus my ad dollars in. Florida has been a great revenue generator for me over the past three years. I feel Florida will be a great place to stay focused in the next five years. That is why I hired my first MLO to the F1 Mortgage Team in Florida. FOMO (Fear of Losing Out) seems to be motivating out-of-state buyers to take a hard look at income properties in the state as well as people moving from other states to get in on the relative “good deals” in Florida as new residents of the Sunshine state. Employment opportunities in the state and work-from-home scenarios are making Florida very attractive to people who would never have looked at the state as a possible home 10 years ago.

If you are an MLO looking for new ground, I would suggest Florida. The state of Florida is massive and can benefit from quality MLOs looking to plant their MLO flag in the state. If you speak Spanish, the further South you prospect, the better.

Fani Willis is the Fulton County Georgia District Attorney trying Former President Donald Trump for Fraud of the 2020 Presidential election. However, Fani Willis is the one committing fraud via kickbacks from trips of her third party independent prosecutor

https://youtu.be/ZWgJspRqdck?si=tpyYeJ5dWTjCQKFB

There will be many positive changes to the GCA Forums. We have created and launched Great Content Authority (GCA) Forums to be a one stop non-spammed online community that has everything to do with everyday needs, goals, and access to homeownership, real estate investment, furthering one’s career, answers to any and all questions you may have. We are in the process of vetting out experts in their field to become mderators. You will see positive changes and useful resources that most people may ask daily and go to various different sources for answers. Our goal is to create a one-stop shop resource center mainly centered on real estate and mortgages but everything else. So instead of looking at dozens of different sources, our goal is for you to come to our online community first and then branch out. No hate content, hateful politics and religion, or Fake News that will offend anyone. Only humor is allowed. If you have a product or service that will benefit our community and the public, you can address it on this forum. We will not ban you from advertising useful specialty product that is a benefit to all of us. Thank you all

• This discussion was modified 1 year, 1 month ago by  Sapna Sharma.
• This discussion was modified 1 year ago by  Sapna Sharma.
• This discussion was modified 7 months, 3 weeks ago by  Sapna Sharma.
• This discussion was modified 7 months, 3 weeks ago by  Sapna Sharma.