Anyone know about French Bulldogs and their traits? Are French Bulldog puppies expensive? I see them advertised for $2,500 and higher? Why are French Bulldogs so expensive? Any health issues? What is the lifespan of French Bulldogs. Do French Bulldogs get along with small children and other dogs? How about cats? Are French Bulldogs good with cats? French Bulldog puppies are extremely cute 😍 💖 💕 💓 ❤️. Look at the attached video clip about a talking French Bulldog.

https://www.facebook.com/share/r/jJRSvKteVoWhg7PQ/?mibextid=NqTh7c

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765K views · 61K reactions | This dog loves to talk 🥹❤️ #shorts #cutedogs #virals #dog | By Unique zoo01Facebook

This dog loves to talk 🥹❤️ #shorts #cutedogs #virals #dog

What Does Residual Income Mean On VA LOANS? How do you calculate residual income? What does residual income tell you. What is the formula for residual income for a mortgage. What does residual income affect?

I have a couple who want a cash-out refinance loan on an owner-occupied property that is completely paid off. However, they have a Chapter 12 bankruptcy that was discharged a little over a year ago. Has anyone else experienced this situation and have advice on potential options for them? Thanks!

The value of investing in real estate, including buying a house in California, can depend on various factors and it’s hard to make a blanket statement without considering all of them. However, here are some general considerations:

1. **Market Trends:** As of my knowledge cutoff in September 2021, the housing market in California had been experiencing significant growth for many years, with prices increasing steadily. Some areas, such as San Francisco or Los Angeles, had seen especially high appreciation. It’s important to monitor the latest trends, as the market can fluctuate.

2. **Location:** The potential for return on investment can greatly depend on the specific location within California. Properties in or near major cities or in desirable communities tend to hold value well and may offer higher potential returns. However, they can also come with higher initial investment costs.

3. **Rent Potential:** If you’re planning to rent out the property, it’s crucial to consider the rental market in the area. Some parts of California have a strong rental market with high demand, which could provide a good source of income.

4. **Long-term Investment:** Typically, real estate should be viewed as a long-term investment. In the short term, fluctuations in the market can occur, but over the long term, real estate generally tends to appreciate in value.

5. **Taxes and Regulations:** California has higher property taxes and stricter regulations for landlords compared to many other states. These should be factored into your considerations.

6. **Economic Stability:** California has a strong and diverse economy, which can support the long-term growth of property values.

7. **Other Financial Considerations:** Buying a house involves significant costs beyond the purchase price, such as maintenance costs, insurance, property taxes, and potentially homeowner association fees.

It’s also important to consider your financial situation, your investment goals, and your risk tolerance. Real estate can be a good investment, but it also comes with potential risks and costs.

Please note that while these points may serve as a general guide, you should consult with a financial advisor or real estate professional who can provide advice based on the current market conditions and your individual circumstances.

What are FHA Jumbo Loans?

Travelers flying often should avoid body scanners. Body scanners has been proven to cause brain cancer. TSA workers are constantly getting diagnosed with cancer due to working with Body scanners. Passengers can request for a pat down versus a Body scan to avoid radiation.

Non-QM Mortgage Brokers is a national mortgage broker and correspondent lender licensed in 48 states, including Washington, DC, Puerto Rico, and the United States Virgin Islands. Non-QM Mortgage Brokers is a wholly-owned subsidiary of Gustan Cho Associates, Inc. Gustan Cho Associates, also referred to as GCA Mortgage Group NMLS 2315275 is a dba of NEXA Mortgage, LLC NMLS 1660690, the nation’s largest mortgage broker and correspondent lender with nearly 3,000 licensed mortgage loan originators and equally number of support, operations, and third-party independent contractor service providers. Non-QM Mortgage Brokers specialize in providing mortgage options for individuals who may need to meet the standard lending criteria set by the Consumer Financial Protection Bureau (CFPB). Licensed mortgage loan originators at Non-QM Mortgage Brokers offer more flexible mortgage loans regarding income and credit requirements, which can benefit borrowers such as business owners, self-employed individuals, and gig workers.

Here are some key features of non-QM loans:

Flexible Income Documentation: Borrowers may use alternative methods, such as tax returns, bank statements, or 1099s, to demonstrate their ability to repay the loan.

Higher Debt Limits: Some non-QM loans allow for debt-to-income ratios over 50%, compared to the standard 43%.

No Waiting Period After Bankruptcy: Certain non-QM loans do not require a waiting period after bankruptcy or foreclosure, enabling quicker access to a mortgage.

Higher Down Payment Requirements: Non-QM loans often require a larger down payment, typically between 15% to 20%.

Higher Interest Rates: Due to the increased risk associated with these loans, non-QM mortgages usually come with higher interest rates.

If you’re considering a non-QM loan, it’s important to shop around and compare offers from different lenders to find the best terms for your situation. Remember that while non-QM loans can provide a path to homeownership for those who don’t qualify for traditional mortgages, they also come with higher costs and risks. It’s advisable to consult with a financial advisor or mortgage broker to understand all the implications before proceeding. Non-QM Mortgage Brokers is the nation’s largest mortgage broker of non-qualified mortgages. For more information, visit us at Non-QM Mortgage Brokers, Inc. at

https://www.non-qmmortgagebrokers.com/

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Finance Your Dream Home Easily With Us Problem Credit? Need a Creative Mortgage Lender? Talk To Us. We Are Able To finding The Perfect Mortgage For Your Dream Home Find A Lender With Us Fill out the form by click … Continue reading

James O’Keefe an undercover journalist and former President of Project Veritas went on a date with a gay senior White House Cyber Security Executive Advisor confirming Dementia Joe Biden does have Dementia and is Senile. Also mentioned is Kamala Harris is not liked and not respected by staff members and senior White House advisors

https://youtu.be/UfAvM7c4Jz0?si=IES5sHCVpkDPrg7O

Hunter Biden has been convicted of guns charges. What does this mean for the Joe Biden Administration. Besides gun charges, Hunter Biden was widely reported to have been under federal investigation related to potential tax issues and making a false statement in relation to a firearm purchase in 2018, but there has been no announcement of any convictions from reputable major news sources that I can find. Unless you have a confirmed report from a trustworthy journalistic outlet, it would be premature and potentially spread misinformation to state that Hunter Biden has definitely been convicted. The investigation appears to still be ongoing based on publicly available information. Without a conviction, this hypothetical scenario would not directly impact the Biden Administration. However, if there were confirmed charges or convictions brought against the President’s son related to taxes or firearms, it could potentially become a political issue. But substantiated facts would be required before making any definitive claims. Please let me know if you have a credible source reporting a conviction that I am unable to find.

https://www.youtube.com/watch?v=wyLTLwKn5Ww

Anyone know why mortgage lenders do not like log homes? Log homes are stronger and has better insulation.

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

Can you buy a home from a relative using a VA loan?

FED CHAIRMAN LIE ON NATIONAL NEWS. Unbelievable. Inflation, unemployment is all fine according to FAKE NEWS JEROME POWELL. Everything is solid according to this lying POS.

https://www.youtube.com/live/Rhq5Y44OhFo?si=hy7uSUoSZRErhMWL

Books that were never written:

“Running to the Outhouse”

by Willie Makit Illustrations by Betty Wont

I have heard many conflicting stories about Illinois banning pets stores from selling puppies. If true, is this law just for Illinois or are there othere states? Or is it state by state? Is there any truth to this or is it another conspiracy story from FAKE NEWS. Thank you in advance.

My latest novella about racial tension in Gulfport, Mississippi in 1950s.

I want to thank my dear friend Peter Arcuri @peter who I highly respect as a client, friend, writer, advisor, and business associate and partner on all he does for the team at GCA, being my advisor, going over ideas and business plans especially with Great Content Authority Forums, and spirituality and life in general. I like to start this forum to share the views of others on their thoughts and opinions of everything that is going on today in the United States and the world. I like to thank Peter for volunteering of taking on the responsibility of being my mentor and professor on studying and mastering the Christian’s view of the Ten Commandments. As I was working i overheard a YouTube video my wife was listening too and asked her what she was listening too. It seemed like whoever was talking, he stole my pricinples, ideology, and foundation i live by every day and base most of my business decisions and make my decisions on who my acquaintances and friends are. So I yelled to my wife who’s the guy talking on YouTube. She yells back, “THE TEN COMMANDMENTS.” That’s when I text Peter Arcuri. I will explain on a separate subforum on why I requested Peter for taking on the task on educating me on a following subforum at a later date on this thread. Basically, I asked Peter Arcuri, “Peter, can you teach me all about the ten commandments.” Peter’s response: ” Easy. Don’t Fuck Anyone.” Okay. Now I know where this academic thesis of the Ten Commandments will lead to. Here’s what started all this

https://youtu.be/RbIZsTVNu5M?si=1AI7U97dTIU_snot

• This discussion was modified 7 months, 1 week ago by  Gustan Cho.
• This discussion was modified 4 months, 3 weeks ago by  Sapna Sharma.
• This discussion was modified 4 months, 3 weeks ago by  Sapna Sharma.

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

There are several tools which can detect AI generated content like Quiltbot, Gptzero and AI text classifier etc. Google prefers Human content instead of AI generated content.

We can easily detect content generated via AI.

Here is one tool link for testing-

https://quillbot.com/ai-content-detector.

To overcome this there is a tool which converts AI generated content into humanized form so AI content detectors tool can not identify. You just have to put Ai generated content into it and it will convert it to humanize form.

Note:- check plagiarism again after converting content to form AI to Humanize form

Here is the tool link :-

https://bypass.hix.ai/

Is there God. Is God Real? Is God Good? The Ten Commandments. Who is our Creator? Adam and Eve. Jesus. What is Heaven? Hell? Who is Satan? Who created Earth, the sun, the moon. Life and death. What makes a person Good, Bad, or Evil. Many questions for nonbelievers.

https://www.facebook.com/share/r/iVMwoQ9vr3opJMDz/?mibextid=D5vuiz

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Sharing the gospel to an Atheist in Walmart! Pray for Him 🙏 By @zachary_impellicceiri #dailydevotional #dailydevotion #Godisreal #jesuslovesyou #christian #Christiancontent #christianreels #motivation #Inspiration #truth #instagramforchristians #TheChristiansDeck | The Christian's Deck | thechristiansdeck · Original audio

Sharing the gospel to an Atheist in Walmart! Pray for Him 🙏 By @zachary_impellicceiri #dailydevotional #dailydevotion #Godisreal #jesuslovesyou #christian #Christiancontent #christianreels...

It is ridiculously crazy at some classic car values and how much they are fetching in today’s automotive markets. Who ever thought 🤔 a $3,000 1970 – 1971 Dodge Cuda Big Block can be worth several hundred thousand dollars. Who ever thought a $3,000 1950 Mercedes Benz 300 SL Gullwing would be worth over a million dollars today. There are Classic Cars like the old Ferrari 250, Ferrari Boxers, Ferrari Dino, Ferrari F40, FERRARI F50, Lamborghini Countach, Lamborghini Miura, 2005-2006 FORD GT, 2004-2005 Porsche Carrera GT, and many more cars that is worth six to seven figures. Look at the attached video.

https://www.facebook.com/share/r/qTiAt9pBkeZSiXUo/?mibextid=D5vuiz

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This Addition Would Make a Car Worth $1.8 More 💰 🚗 | This Addition Would Make a Car Worth $1.8 More 💰 🚗 | By VINwikiFacebook

This Addition Would Make a Car Worth $1.8 More 💰 🚗

I have a three car Attached Garage. Our dream was buying a large steel building to store classic cars I love to buy. I have room to build but seems like a lot of work. Building permits, concrete, electrical work, HVAC for climate control, etc. I will get this done. Garage space is what deterring me from buying some reasonably priced classic and sports cars. Here a great video clip from VINWIKI

https://www.facebook.com/share/r/HTxu1rVh1qyz2pn7/?mibextid=D5vuiz

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The Biggest Struggle of Car Guys: Garage Issues | The Biggest Struggle of Car Guys: Garage Issues | By VINwikiFacebook

The Biggest Struggle of Car Guys: Garage Issues

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.

Chapter 13 Bankruptcy is normally a five year payment plan by the U.S. Bankruptcy Court. Five years is a long time. During the five year repayment plan of a Chapter 13 Bankruptcy, how can you buy a house? Are there mortgage lenders that will lend on homebuyers who are in an active Chapter 13 Bankruptcy repayment plan? How does Chapter 13 affect getting a mortgage? How long do I have to wait to purchase a house after Chapter 13? Can you get an FHA loan while in Chapter 13?

Many of our viewers are asking about ITIN loans. FAQs are can I get a mortgage loan with my ITIN number? What are ITIN loans? How much down payment is required to buy a house with my ITIN number? What documents are required to buy a house with an ITIN number? Can I use my ITIN number to get a credit score and establish credit? ITIN loans are designed for borrowers who have an Individual Taxpayer Identification Number (ITIN) but lack a Social Security Number (SSN). They offer a pathway for individuals who are not eligible for an SSN, often non-citizens, to purchase a home.

Frequently Asked Questions (FAQs)

1. Can I Get a Mortgage Loan with My ITIN Number?

   • Yes, many lenders offer mortgage loans specifically for ITIN holders. However, not all lenders provide them, so it’s essential to find those that specialize in these loans.

2. What Are ITIN Loans?

   • ITIN loans cater to individuals without SSNs. These loans help borrowers with an ITIN prove their creditworthiness and qualify for a mortgage. Lenders typically review their credit history, income, and financial stability.

3. How Much Down Payment Is Required to Buy a House with My ITIN Number?

   • The down payment requirement typically ranges from 10% to 20%, often higher than conventional loans. The exact amount depends on the lender’s criteria, credit history, and the borrower’s financial profile.

4. What Documents Are Required to Buy a House with an ITIN Number?

   • Proof of Identity: ITIN card or letter, passport, or other government-issued IDs.
   • Bank Statements: Usually 12 months of statements to verify financial stability.
   • Tax Returns: Two years’ worth of tax returns filed with the ITIN.
   • Proof of Income: Pay stubs, invoices, or other documentation showing consistent income.
   • Employment Verification: Documents showing stable employment or self-employment.

5. Can I Use My ITIN Number to Get a Credit Score and Establish Credit?

   • Yes, ITIN holders can build credit by opening credit accounts like credit cards or loans. Make sure to work with lenders who report to the credit bureaus. A good credit history can improve your chances of obtaining an ITIN loan.

The team at Gustan Cho Associates can help you qualify and get pre-approved for a mortgage loan with an ITIN number.

• Research Lenders: Look for lenders specializing in ITIN loans, as they are more familiar with specific requirements.
• Improve Financial Stability: Demonstrate consistent income and a stable credit history.
• Seek Financial Counseling: Consider speaking to a financial counselor or mortgage broker who understands ITIN loans to guide you through the process.

Home staging is the process of preparing a home for sale by making it look as attractive and appealing as possible to potential buyers. The goal of home staging is to help buyers envision themselves living in the space and to highlight the home’s best features. Here are some key aspects of home staging:

1. Decluttering and depersonalizing: Removing excess furniture, personal items like family photos, and clutter to create a sense of openness and allow buyers to imagine their own belongings in the space.
2. Furniture arrangement: Rearranging and sometimes renting furniture to showcase the flow and function of each room optimally.
3. Deep cleaning: Ensuring the entire home is thoroughly cleaned, from windows to carpets, to create a fresh, move-in ready feeling.
4. Curb appeal: Enhancing the home’s exterior by power washing, landscaping, and making the entrance inviting.
5. Repairing and updating: Attending to minor repairs like patching holes and updating elements like light fixtures to give the home a well-maintained look.
6. Style and accents: Using stylish yet neutral decor pieces, fresh linens, pillows, and accents to give rooms an updated, model home appearance.
7. Staging vacant homes: For empty properties, staging companies bring in rental furniture and decor to make the space feel warm and livable.

Home staging aims to appeal to the highest number of potential buyers by making the home look its absolute best while remaining neutral enough for buyers to envision their own style. Studies show well-staged homes tend to sell faster and for higher prices.

Chic interiors and home staging are key elements in creating a stylish, inviting, and market-ready home. Whether you’re decorating for personal enjoyment or preparing to sell, understanding these concepts can make a significant difference.

Chic Interiors

Chic interiors are defined by their elegant, fashionable, and timeless qualities. Key elements include:

1. Neutral Color Palette: Soft tones like white, beige, gray, and black provide a sophisticated base. Accents in metallics, pastels, or bold colors can add personality.
2. Quality Over Quantity: Invest in high-quality furniture and decor pieces. Fewer, well-chosen items can make a bigger impact than cluttering the space with too many things.
3. Mix of Textures: Combine different materials like velvet, leather, wood, and metal to create depth and interest.
4. Minimalist Aesthetic: Keep spaces uncluttered and streamlined. Use sleek, modern furniture with clean lines.
5. Statement Pieces: Incorporate standout items like a designer chair, a piece of art, or a unique lighting fixture to add a focal point to the room.
6. Functional Design: Ensure that the design is not only beautiful but also practical. Furniture should be comfortable and arranged for ease of movement and conversation.

Home Staging

Home staging involves preparing a property for sale by making it appealing to the highest number of potential buyers. Key aspects include:

1. Decluttering and Depersonalizing: Remove personal items and excess furniture to make the space look larger and allow buyers to envision themselves living there.
2. Neutral Decor: Use neutral colors to appeal to a broad audience. This helps buyers focus on the home itself rather than the decor.
3. Furniture Arrangement: Arrange furniture to highlight the flow and function of each room. Create cozy conversation areas and ensure there’s enough space to move around.
4. Lighting: Use a mix of ambient, task, and accent lighting to create a warm and inviting atmosphere. Ensure all lights are functioning and rooms are well-lit.
5. Curb Appeal: Enhance the exterior of the home with fresh landscaping, clean walkways, and a welcoming front entrance.
6. Clean and Fresh: A clean home is more appealing. Pay attention to details like fresh paint, clean windows, and pleasant scents.

Tips for Combining Chic Interiors and Home Staging:

1. Focus on Key Rooms: Prioritize staging the living room, kitchen, master bedroom, and bathrooms. These are the areas buyers focus on the most.
2. Highlight Features: Use decor to draw attention to the home’s best features, like a fireplace, large windows, or architectural details.
3. Use Chic Decor: Incorporate chic elements like stylish throw pillows, modern artwork, and elegant lighting fixtures to elevate the overall look.
4. Update Strategically: Small updates like new cabinet hardware, fresh paint, and updated light fixtures can make a big impact without a significant investment.

Resources and Inspiration:

1. Interior Design Magazines and Websites: Publications like Architectural Digest, Elle Decor, and Houzz offer inspiration and tips.
2. Professional Stagers: Consider hiring a professional home stager for expert advice and hands-on help.
3. DIY Resources: Books, online courses, and DIY blogs can provide step-by-step guides to achieving chic interiors and effective staging.

By combining the principles of chic interior design with strategic home staging, you can create a beautiful, inviting space that appeals to both you and potential buyers.

What are building permits for renovations for your home? When are building permits required? Why are building permits required? Do building permits increase your property taxes?

Do all states or counties in states require permits on Accessory Dwelling Units often referred to as ADUs? I like to put an accessory dwelling unit for additional rental income due to bidenomics and the out of control inflation and cost of living.

Do counties in Illinois require building permits to build an in-law suite or accessory dwelling unit on your property?

Do counties in Florida require permits to build an ADU or tiny home in Florida? From what I heard accessory dwelling units and tiny houses can be built on private property as long as they meet the zoning and building codes of the specific local jurisdiction. Some counties and municipalities have specific regulations for tiny houses, including minimum square footage requirements and foundation specifications.

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

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?