Never used a contract mortgage processor and I normally process my own loans or my LOA will assist. Can ypu please advise me on how contract mortgage processors work? I know you pay the contract preocessing company on a case by case basis once the loan closes. How much do contract processors charge per file? I am also considering hiring an inhouse mortgage processor and comparing what type of processor is better for my small mom and pop mortgage broker. What is the going rate on a full time mortgage processor? Can I hire a contract processor where the contract processor works with the mortgage processing company and myself, an independent mortgage broker at the same time? I would be hiring the contract mortgage processor for my files and pay her a base plus commission and the contract processor will also work for her contract processing company in dependent and separate from me. Thank you in advance.

Anyone have more information about Lending Network, Inc. and what type of company Lending Network, Inc. is? Who is the CEO of Lending Network, Inc.?

Buying a House in Florida: Mortgage Options and Market Insights for 2026

Florida’s real estate market is active and attracts a wide range of buyers, from first-timers to retirees. Cities like Miami, St. Augustine, and the Gulf Coast each have their own character. Learning about these differences will help you choose the right mortgage for your new home.

Buying A House in Florida

Before diving into mortgage choices, take a moment to explore the economic and social forces that make Florida such a hot spot for homebuyers.

One major perk: Florida doesn’t have a state income tax, letting residents keep more of their hard-earned money. This extra cash can make it easier to qualify for a loan and boost your homebuying budget.

Florida’s housing market offers a wide range of options, from affordable starter homes in the Panhandle to luxury oceanfront estates in Palm Beach.

Cities like Tampa, Miami, Jacksonville, and Orlando are booming, thanks to thriving industries in healthcare, technology, tourism, and finance. This growth is transforming neighborhoods and creating new opportunities across the state. Retirees can breathe a little easier in Florida, where no state estate tax means more savings stay in your pocket for the years ahead.

Understanding the Florida Housing Market in 2026

Florida’s real estate market changes often. This guide shares the latest information, but trends may change as new data becomes available.

South Florida has expensive homes, while North Florida and the Panhandle offer more affordable neighborhoods. Central Florida, especially near Orlando, is growing quickly as more jobs and people move in. Most people look for homes in Florida between January and March, but you may find better deals during the slower summer months.

Florida Homeowner’s Insurance

Windstorm and flood insurance are important considerations in Florida. Even when not required, prospective buyers—especially first-time homeowners—should budget for these insurance costs. Many Florida homes, especially in new developments and condos, have homeowners’ association fees. Be sure to include these monthly or yearly costs in your homebuying budget.

The Florida Home Buying Process

Start by checking your credit score, saving for a down payment, and gathering financial documents. In Florida’s competitive market, sellers often prefer buyers with a pre-approval letter.

Choose The Home In A Suitable Location

When selecting a location, consider your daily commute, local schools, storm risks, nearby amenities, and transportation options. Each area, whether on the coast or inland, has its own unique challenges. A pre-approval letter shows sellers you are a serious buyer. At this stage, set your budget and look at mortgage options that match your needs.

Work with a local real estateagent who understands Florida’s market, including flood zones, sinkhole risks, and required disclosures. Florida’s market varies by neighborhood, and competition can be strong.

A good agent can help you make strong offers and negotiate favorable terms. Inspections should cover the roof (important for insurance), HVAC systems, foundation, and check for mold or termites. Homes in flood zones need an elevation certificate.

Closing and Final Walkthrough

In Florida, a title company or real estate attorney usually handles the closing. Expect closing costs to range from 2% to 5% of your home’s price.

Florida Mortgage Loans: Finding the Right Fit

Florida buyers can tap into a variety of specialized mortgage programs, each with its own perks. Your eligibility will depend on your finances, down payment, and what you want for the long haul.

Conventional Loans In Florida

Conventional loans are not supported by the federal government and must follow rules set by Fannie Mae and Freddie Mac.

FHA Loans (Federal Housing Administration) In Florida

First-time buyers and those with lower credit scores often use FHA loans. These government-backed loans are designed to help qualifying buyers. FHA loans may require as little as 3% down. Applicants with credit scores of 620 or higher may qualify for better interest rates.

• FHA loan recipients who make a down payment of less than 20% are required to purchase Private Mortgage Insurance (PMI).
• Loans are Regionally Limited: Each county has its own loan limits, which will be updated in 2026.
• Check the limits for your area.
• FHA loans have stricter requirements than some other government-backed loans.
• Buyers with stable employment and strong credit histories may benefit from the lowest interest rates and greater flexibility.
• Keep in mind: Florida’s property values are all over the map, so loan limits change by county.
• High-priced spots like Miami-Dade and Monroe have bigger limits, while rural areas have lower ones.

Key Features:

• If your credit score is 580 or higher, you can get a loan with just 3.5% down.
• Some people with a credit score of 500 can qualify if they put down 10%.
• For the insurance you need with the loan, you pay a one-time fee before it starts and a yearly fee as long as you have the insurance.
• Every county in Florida has its own maximum loan limit.
• Sellers may contribute up to 6% of the buyer’s closing costs.

Best For:

• First-time buyers, people with limited savings, or those with credit scores under 680 who might not qualify for a conventional loan.
• FHA loans are popular with younger buyers in Florida’s affordable housing market.
• Including closing costs in your loan can help if you do not have enough cash at the start.

VA Loans (Department of Veterans Affairs)

Veterans, active-duty service members, and certain qualified surviving spouses are eligible for VA loans that do not require a down payment. Mortgage insurance is not mandatory for these loans.

• Interest rates are usually competitive.
• Closing costs are generally lower.
• A funding fee is required, but you can include it in your loan.
• There is no maximum loan amount, but the VA only guarantees part of the loan.

Best For:

• Military members, veterans, and eligible surviving spouses.
• Because Florida has many veterans and military bases, VA loans are a common choice.
• The zero-down-payment feature is especially helpful in expensive coastal areas.

Even though Florida is famous for its cities and beaches, many parts of the state qualify for USDA rural development loans.

Key Features:

• In certain rural areas, you can get a loan without a down payment.
• Your income must be below a set percentage of the area’s average income.
• Interest rates are competitive.
• You’ll need to pay annual mortgage insurance.
• The home must be in a USDA-eligible area and be your main residence.

Best For:

• Buyers with low to moderate incomes who want to avoid a down payment in eligible rural or suburban areas.
• Some larger cities also qualify as “rural” for USDA loans, so check the map to see if your preferred neighborhood is eligible.

Jumbo Loans

In Florida’s luxurIn Florida’s luxury markets, where home prices are higher than standard loan limits, jumbo loans are available to cover the difference.gger down payment, usually 10-20% or more.

• It’s harder to qualify for these loans.
• You usually need a credit score of 700 or higher.
• Interest rates are a bit higher.
• You may also need to show more assets. Best For: Buyers of high-value homes in Florida. Jumbo loans are often used for luxury and waterfront properties. Work with lenders who understand Florida’s upscale markets, including high-rise condominiums.
• Interest rates below the market interest rates for homebuyers
• Programs for essential workers, like teachers and healthcare professionals
• There are limits on income and home prices.
• You’ll need to complete a homebuyer education class.

Best For:

• First-time buyers, essential workers, and anyone who needs help with a down payment or closing costs.
• Considerations for Florida: These programs may change based on available funding.
• Visit the Florida Housing Finance Corporation website for current details and a list of approved lenders.

Reverse Mortgages (HECM)

Home Equity Conversion Mortgages let homeowners age 62 and older turn their home equity into cash.

Key Features:

• You do not have to make a monthly mortgage payment, but you still have to pay property taxes, insurance, and take care of the home. You can get the money as a line of credit or in monthly payments.
• The amount you owe on the mortgage goes up over time.
• The home must be the primary residence.

Best For:

• Older homeowners with substantial equity seeking additional retirement income.
• Considerations for Florida: Reverse mortgages are common among retirees, especially in communities such as The Villages and Sarasota.

Construction and Renovation Loans

• Construction and Renovation Loans are for buyers building new homes or making major renovations to existing properties.
• You can get loans for buying and renovating homes, like FHA 203(k) and Fannie Mae HomeStyle loans.
• Interest rates are higher while the home is being built.
• You’ll need to provide detailed construction plans and information about your contractor.

Best For:

• People buying fixer-uppers or building custom homes.
• In Florida, construction and renovation loans are essential for buyers in flood-prone areas who want to raise their homes or strengthen their hurricane defenses.

Special Considerations for Florida Homebuyers

• Flood insurance is required for many Florida homeowners, especially in Special Flood Hazard Areas.
• It is not included in standard homeowner’s insurance and can increase your monthly costs.
• Due to hurricane risks, premiums are among the highest in the country.
• Get quotes early, as some homes are difficult or expensive to insure.
• Features such as impact-resistant windows, strong garage doors, and special roof designs can help protect your home from hurricanes and may lower your insurance costs.
• Always review HOA or condo documents for reserves, special fees, and legal requirements.

Homestead Exemption:

• Florida residents can apply for a homestead exemption to reduce property taxes on their primary residence.
• File promptly after closing to maximize savings.

Pests:

• Florida’s year-round climate leads to ongoing concerns about termites and other pests.
• Most lenders require a termite inspection and ongoing pest control.

Water Quality:

• If the home has a well, test the water, as some areas have water quality issues.

Don’t Skip Pre-Approval:

• In a competitive market, sellers often disregard offers without a pre-approval letter.

Budget for All Costs:

• In addition to your mortgage, plan for insurance, maintenance, property taxes (which vary by county), HOA fees, and utilities such as air conditioning.

Consider Resale Value:

• Regardless of how long you plan to stay, evaluate factors such as school district quality, neighborhood development, and proximity to employment centers.

Flood Zones:

• Review FEMA flood maps before making an offer.
• Properties in high-risk zones (A or V) require flood insurance, which can impact resale value.

Visit Properties Multiple Times:

• Inspect homes on different days and times to assess traffic patterns, noise levels, and neighborhood activity.

Complete Homebuyer Education.

• Take a homebuyer class, even if it is not required, to learn helpful tips.
• Build an emergency fund, as living in Florida can bring unexpected costs like hurricane repairs or air conditioning issues.
• Try to save three to six months of living expenses in addition to your down payment.
• With careful planning, a clear understanding of your finances, and help from local experts, you can achieve your goal of owning a home in Florida.
• For information on Florida mortgage programs and current rates, visit the GCA Mortgage Group’s Florida Mortgage Loans page or contact a loan officer with experience in Florida financing.

Discussion Questions

Are you eyeing the Gulf Coast, the bustling cities, or a quiet inland retreat for your Florida home? What surprises or hurdles have you faced along the way? Which mortgage option feels like the best fit for you? Join the conversation by sharing your stories, questions, and tips to help other Florida homebuyers. Remember, this guide is only a starting point. Loans, rates, and rules can change quickly, so always check with mortgage professionals and real estate attorneys for the latest advice.

gcamortgage.com

Florida Mortgage Loans - GCA Mortgage

Explore comprehensive Florida mortgage loans, including FHA, VA, USDA, Conventional, Non-QM, and Jumbo options and DPA programs.

I am a first time gun owner. What rypes of gun would you recommend ? Revolver? Semiautomatic? Rifles? Shotguns?

Hey Gus im just reaching out as I know we spoke a while back ago since you were hiring. Due to work and always being on camera or being recorded over the phone I always have to decline and watch my words. Im actually interested but I was curious what the pay rate would be. Im mostly looking for a part time job in my free time as working at the UBREAKIFIX has always been my priority. I know we spoke about potentially Social media but I was just curious in general. Just reach back to me when you can!

Can I buy a house with bad credit?

Searched for “easiest state get real estate license requirements 2025”

Let me get more specific information about the states mentioned as having the easiest requirements.

Searched for “Massachusetts Michigan real estate license hours requirements 2025”

Based on my research, the easiest states to get a real estate license are:

Top Easiest States:

Massachusetts and Michigan- Both of these states only require 40 hours of pre-licensing education making them the most accessible options.

North Carolina- North Carolina is one of the easiest states to obtain your license [World Population Review](https://worldpopulationreview.com/state-rankings/hardest-real-estate-exams-by-state) and has favorable reciprocity agreements where a realtor, real estate agent, or broker in any state can become licensed in North Carolina by passing the state portion of the real estate exam [The Close](https://theclose.com/real-estate-license-reciprocity/) .

Other States with Lower Requirements:

Rhode Island, Wyoming, and Maine require between 45-55 hours [Simplifiedhomesales](https://simplifiedhomesales.com/easiest-state-to-get-a-real-estate-license/) of pre-licensing education, making them relatively easy compared to states that require much more.

What Makes These States “Easy”:

– **Lower education requirements**: Michigan State Required Pre-licensing Hours: 40 hours [Colibri Real Estate Schooll.

Reasonable exam requirements

Most have standard licensing exams with passing scores around 70%

Good reciprocity: Some states like North Carolina make it easier to transfer licenses from other states

States to Avoid if Seeking Easy Requirements:

California and Texas requiring the most course hours [Simplifiedhomesales](https://simplifiedhomesales.com/easiest-state-to-get-a-real-estate-license/) , with some sources indicating Texas requires the most hours of pre-licensing study.

If you’re looking for the easiest path, Massachusetts and Michigan appear to be your best bets, with just 40 hours of required education. However, consider where you actually plan to practice real estate, as you’ll typically need to be licensed in the state where you’re working.

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

GCA Forums News National Headline Reports—April 29, 2025 Domestic Policies and Government Issues Updates

Approval Rating Nosedive During the First Trump Term

United Parcel Service (UPS) announced 20,000 job cuts for 2025, which surged its stock price

It’s because of Amazon’s volume loss. Twenty thousand jobs are 4.0% of its workforce.

Polls reveal that the self-identified Republicans’ count reached a historical low of 35% at the beginning of Trump’s second term, with only a 34% optimistic view of America’s economy. How does the economy even function when 37% of people are frightened about the condition of the country? An ABC News Washington Instagram poll cites Trump as the lowest historically rated president out of eighty years. Project 2025’s policies, especially Trump’s immigration plans alongside his economic tariffs, are set to face mounting opposition. For some reason, sections of voters still back his deportation plans, so the mandate is kept for lower-vote immigration.

Federal Layoff Policy Dispute

An alliance of trade unions, NGOs, and regional governments took Trump, Musk, and almost two dozen heads from federal branches of the Trump administration to court to disrupt massive layoffs proposed for the federal government. Resounding concerns that cuts to government employees will shatter the fabric of the nation’s governance drove this legal response.

Header One

White House border czar Tom Homan goes as far as suggesting that undocumented immigrants self-deport. He follows this up by threatening prosecution for those undocumented immigrants who stay behind. This follows reports of deportations, some even including children who were legal guardians in the custody of the US, which sparked some controversy. The National Immigration Project condemned it, saying, “these families have been given insufficient options to remedy this situation,” which many claim to be true. On top of this, over one hundred immigrants were detained in a raid at an Underground nightclub in Colorado Springs, where it was alleged that active-duty Military personnel had taken part.

Vancouver Festival Attack Incident

Elsewhere in the world, the Vancouver car-ramming attack permeated a Filipino heritage festival, claimed 11 victims, and injured dozens more, including a 5-year-old girl and both her parents, which puts the total injuries close to 4 dozen and continues to claim headlines. Kai Ji Adam Lo, age 30, remains the main suspect, charged with no less than eight counts of second-degree murder. Oftentimes, Vancouver is referred to as having its “darkest day,” which has a range of vigils and mourning from the traumatizing pieces in the fallout that were spurred by this incident.

Illinois After-School Camp Crash

A crash in Chatham, Illinois, took the lives of four people aged 4 to 18 after a car drove through an after-school camp. Others were injured, but the footage shows chaos. Saucers are looking into what may have led to the incident.

This work serves two masters: the justice we achieve and the places we are dealt with while reporting crime.

Florida Turnpike Van Crash

An incident in Osceola County where a van overturned on Florida’s Turnpike resulted in five deaths and seven injuries. The event continues to deepen existing worries regarding the safety and quality of the roads in heavily used regions.

Social and Cultural News

Betsy Arakawa Death Public Information

The death of Betsy Arakawa, the spouse of actor Gene Hackman, was confirmed as a result of contracting Hantavirus pulmonary syndrome. An autopsy later cleared Hackman of the disease, putting an end to public speculation. Due to Hackman’s prominence, this news has garnered widespread attention.

Universal Orlando Epic Universe Park

Universal Orlando Resort has made tickets for the new Epic Universe theme park available to the public from April 29 to May 19, 2025, about a month before its opening on May 22. The park is expected to include attractions such as SUPER NINTENDO WORLD and The Wizarding World of Harry Potter. So far, its announcement has sparked great interest, prompting rapid sales for some tickets.

Legal and Judicial Updates

US 2nd Circuit Court of Appeals Judgment

The US 2nd Circuit Court of Appeals scheduled arguments for May 6 in Rumeysa Ozturk’s case. However, the details are quite sparse in public versions. This suggests that some action is taking place that may be of considerable importance.

Florida School District Joins Social Media Lawsuit

The Indian River County School District in Florida voted to join a nationwide lawsuit aimed at popular social media platforms because of their negative impacts on mental health and educational development. This comes after a canceled attempt to create state parks, with the put-on-hold plan illustrating a change in local focus.

A National Issue with a Global Angle

Power Outage in Spain and Portugal

Soaring crime rates do not have the desired effect on travel. April 28, for instance, witnessed Spain and Portugal being interconnected with a single power grid. The resulting paralysis of transport routes and medical servicing meant that a global emergency infrastructure undertook many tasks that the US might need to think rationally about. After part 29, a lack of imagination also caused people further problems.

Canada’s Election Influenced by US Politics

Trump might not be in attendance. Premier Trump irrationally fueled the hubris in 2021. It is yet a ridiculous excerpt, porous-wise. The dynamic will probably impact the relationship between the two countries, the US and Canada, for some time.

Economic and Public Sentiment

Public sentiment is divided over Trump’s policies of tariffs and immigration crackdowns. According to polls, 29% of Americans registered economic pessimism. And Trump’s handling of immigration is losing voters’ support. Nonetheless, his administration continues to push through with high-profile appointments, such as adding a council with Defense Secretary Pete Hegseth and Texas Governor Greg Abbott, seeking to set heads of appointments on system issues.

As of April 29, 2025, the perplexing nature of politics and the culmination of tragic events and cultural happenings can be distilled into a single trending headline, “The Popularity of Trump – Coverage Was Imminent.” The president’s fiercely low approval ratings and controversial policies overshadow the discourse. Society grieves over the harm caused by the Vancouver attack; Illinois causes the public to focus on the wish to turn up the heat.

Epic Universe’s preview is progressively getting released. Social media is basing being legally allowed to be suspended for public layoffs on keeping watch, in turn shaping the policies of Meta beyond consideration surrounding diverse public focus, which is where GCA Forums News urges their readers to wish not to remain asleep as stories unfold about anything touching on policies, security, and betterment of life.

https://youtu.be/N2sV7mh2JaM?si=s0Jn6Bcg5kmcrTZM

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

Kamala Harris spent $1 Billion Dollars on her campaign in just 100 days. Not only did Kamala Harris spend one billion in just two months, but she is 20 million dollars in the hole. It turns out that Kamala Harris paid many celebrities for their endorsement: Beyonce was paid $10 milliion. Where is My Daddy Podcast was paid $100,000. Al Sharpton was paid $500,000, the list goes on. How can someone spend over one billion dollars and not win? How can Kamala Harris spend a billion dollars in two months and be negative 20 billion and consider herself fit to become President of the United States? Can Kamala Harris get in trouble for this? You can help out so many poor families with a billion dollars. Is this campaign fraud?

https://www.youtube.com/watch?v=4NRiRPe7mfw&ab_channel=KREM2News

I have been in my same job for 4 years but was recently converted into a 1099 wage earner from W2. Can I still qualify for FHA loans?

What credit score model do mortgage lenders use? Is VantageScore so much higher than FICO? Do Mortgage Lenders Check FICO or Vantage? For the majority of lending decisions do most lenders use your FICO score? And which type of FICO score? FICO 2, 4, 8?

How far off is VantageScore from FICO? What FICO or Vantage Score Model does FHA, VA, USDA, FANNIE MAE, FREDDIE MAC, and Non-QM mortgage loans use? What is a good FICO score to get a mortgage?

• This discussion was modified 1 year, 5 months ago by  Gustan Cho.

I am an Experienced Mortgage Loan Originator. How Can You Approach a Home Builder and Become The Builder’s Preferred Lender. Why do home builders want to use you as their preferred lender? How do you become a Preferred Lender of a Home Builder? What do home builders want of a preferred lender. The bottom line is How Do You Become a Preferred Lender For a Home Builder? What can I do to get an opportunity to become a preferred lender for a regional or national home builder?

How Do Lenders Calculate Income With Bank Statement Loans?

What is an APR? What is the difference between regular interest rate versus APR? How do you calculate APR on my mortgage interest rate? Is there a formula to calculate APR? Can we go over case scenarios calculating APRs?

From my understanding, there are different types of FICO Models and every creditor uses a certain FICO Scoring Model. What FICO Model do Lenders Look at For FHA Loans? What FICO Model does FHA use? What is the most accurate FICO Score Model?

What does it mean by REOs?

Can you explain what LOX mean from my mortgage underwriter?

Dino Hasapis: Real Estate Broker at Compass and National Business Development Manager at Gustan Cho Associates

Dino Hasapis is a prominent real estate broker affiliated with Compass and holds a significant position at Gustan Cho Associates. Here are the details of his professional roles and contributions:

Dino Hasapis Compass Real Estate Chicago

Position: Real Estate Broker

Responsibilities:

• Specializes in residential real estate.
• Helps clients buy, sell, and invest in properties across Chicago and the surrounding areas.
• Known for providing personalized and strategic real estate services.

Gustan Cho Associates

Position: National Business Development Manager

Responsibilities:

• Manages and expands the Verified Preferred Realtor Partner Network (PRPN).
• Works closely with real estate professionals to enhance business growth and client satisfaction.
• Focuses on developing and maintaining strong industry relationships.

Contact Information of Dino Hasapis

Email: dinohasapis@compass.com

Phone:

• Mobile: 847-687-3056
• Office: 312-319-1168

Online Profiles

• Compass Profile: Dino Hasapis at Compass
• Zillow Profile: Dino Hasapis on Zillow
• LinkedIn: Dino Hasapis on LinkedIn

Key Highlights

• Experience: Over 13 years in the real estate industry.
• Sales Record: Proven track record with hundreds of closed sales and significant total sales value.
• Recognition: Recognized as a top producer by the Chicago Association of Realtors.

Services Offered

• Residential Real Estate: Assists with buying, selling, and investing in residential properties.
• Market Analysis: Provides detailed market analysis to help clients make informed decisions.
• Negotiation: Expert negotiation skills to ensure favorable terms for clients.

Summary of Dino Hasapis

Dino Hasapis is a seasoned real estate professional known for his expertise, strategic approach, and dedication to client success. His dual role at Compass and Gustan Cho Associates positions him as a key figure in the real estate industry, offering comprehensive services to meet diverse client needs. For more information or to contact Dino Hasapis, you can visit his profiles on Compass and LinkedIn.

https://gustancho.com/dino/

Former Rio Arriba County Sheriff James Lujan, aged 60, was sentenced to three years in prison followed by one and a half years of probation after being convicted of two felony charges: aiding a felon and intimidating a witness. Lujan was found guilty of helping a former Española City Councilor evade police after a high-speed chase in 2017 and directing a deputy to conceal his actions. This conviction followed a retrial after an initial jury failed to reach a verdict. Lujan resigned from his position shortly after the conviction.

https://www.youtube.com/watch?v=ZP4gie6zVUA

What is the role of the Federal Reserve Board? Who controls the Federal Reserve Board? Is the Federal Reserve Board a legitimate organization? Can the Federal Reserve Board print money? Does the Federal Reserve Board gift money to the elites? Why does the Fed Chairman Jerome Powell lie in front of national television about inflation and our bad economy?

How many states have NMLS Branch Office to Residence requirement to get licensed as a mortgage loan originator.

Anyone hear of hard money hardminds? What is it and how much does it costs.

Joe Biden is hands down the worst President of the United States far worse than former President Jimny Carter polls show. If the election were to be held today, Joe Biden would lose in every state in the nation and Former President Donald Trump would win in a landslide. The ill-fated bidenomics is considered a joke by many. Former President Barack Obama running the White House behind the scenes is not cutting it. Barack Obama and other Democrats and Globalists puppeteering the Dementia stumbling struggling Joe Biden is trying to get Biden off the election ballot for 2024 due to his mental health deterioration and aggressive Dementia affecting his business decisions and stumbling posture and lack of control and his ability to control his bowels. Barack Obama seems like he is planning on preparing Former First Lady/Man Michael Robinson Obama aka Michelle Obama as the candidate for President for 2024. Many experts and political analysts believe it will be hard to win the Presidency and Take Control of Congress without cheating at the polls. Hillary Clinton and Gavin Newsom are the other potential Presidential candidates besides Big Mike Obama