Like to thank Dementia Lying Cheating Joe Biden

Karine Jean-Pierre lying about how great Lying Cheating Dementia Joe Biden is a great President and saved the U.S. economy after President Donald Trump screwed it up

Karine Jean-Pierre is such a moron idiot.

The decision of whether electric cars are worth your money depends on various factors, including your individual needs, preferences, and circumstances. Here are some considerations to help you make an informed decision:

Initial Cost: Electric cars can have a higher upfront cost compared to traditional internal combustion engine vehicles. However, this cost may be offset by government incentives, tax credits, and lower operating costs over time.

Operating Costs: Electric cars generally have lower operating costs than traditional vehicles. They are often more energy-efficient and have fewer moving parts, resulting in lower maintenance expenses. Additionally, electricity is usually cheaper than gasoline on a per-mile basis.

Range and Charging Infrastructure: Consider the driving range of the electric car and the availability of charging infrastructure in your area. If you have a daily commute within the electric car’s range and access to charging stations, it may be a practical choice. Advances in charging infrastructure are continually being made, making electric cars more convenient for many users.

Environmental Impact: Electric cars produce fewer emissions during operation compared to traditional vehicles, especially if the electricity comes from renewable sources. If reducing your carbon footprint is important to you, an electric car may be a good choice.

Resale Value: The resale value of electric cars is influenced by factors such as battery technology, model popularity, and overall market trends. Research the resale values of specific models to gauge their long-term value.

Technology and Features: Electric cars often come with advanced technology and features, including regenerative braking, autopilot capabilities, and smart connectivity. Consider whether these features align with your preferences and needs.

Incentives and Rebates: Many regions offer incentives and rebates for electric vehicle purchases, which can significantly reduce the overall cost. Research the incentives available in your area to see how they may impact your decision.

Infrastructure Development: Consider the rate at which charging infrastructure is expanding in your region. A well-developed charging network enhances the practicality of owning an electric car.

Personal Values: Some people choose electric cars because they align with their environmental values or desire to support sustainable transportation. If these factors are important to you, they may influence your decision.

It’s essential to research and compare specific models, taking into account your driving habits, budget, and local infrastructure. As technology advances and becomes more widespread, electric cars are likely to become an increasingly viable and attractive option for many consumers.

• This discussion was modified 1 year, 2 months ago by  Ollie.

Is the news about Colorado Supreme Court Justice Monica Marquez getting arrested for treason true

Here’s your weekly snapshot of mortgage and real estate headlines for December 24 December 24, 2024:

Mortgage Rate Changes

30-Year Fixed Rates:

• The national average interest rate on a 30-year fixed mortgage hit 6.75%.
• As a result, predicting competitive rates shortly has become easier.

15-Year Fixed Rates:

• The market continues offering 15-year fixed mortgage rates at around 6.15%.
• Much lower than before.

ARM Rates:

• The popularity of adjustable-rate mortgages has prompted lenders to cut back on their offerings.
• 5/1 ARMs, conversely, have an average interest of 6.50%.
• A flash in the arm is observed and foreseen for early 2025, as inflation is also predicted to remain strong.

Housing Market Analysis

Home Prices:

• Key markets such as Florida, Texas, and California show continued appreciation in median home prices. At the same time, states like Wisconsin and Pennsylvania still appear to have leveled out at more sustainable rates.

Inventory Shortages:

• Urban areas, in particular, are experiencing volatile market conditions.
• While demand and, thus, prices continue to stay high, supply remains at historic lows.

Best Buyers’ Markets:

• Buffalo, New York, and Detroit, Michigan, are approaching reasonable prices for new homebuyers.

Here Are The Updates About FHA Loans For 2024

The Federal Housing Administration (FHA) raised the loan limit thresholds effective January 1, 2024.

• In low-cost areas, it is set to $500,000.
• The limit is set at $1.2 million in high-cost areas that can afford it, enabling homebuyers to have more choices.

Non-QM Loans Are Getting Popular Among Self-Employed Borrowers

Non-qualified mortgage loans are becoming more popular as more self-employed individuals enter the market. Various lending institutions have a wide variety of condotel and short-term investing options.

Shift in How Commercial Real Estates Are Sought After

The demand for multifamily building loans is increasing as more builders develop a strategy for constructing more projects in urban and suburban locations. Improvement in market conditions has enabled better entry price points for spec building of 1-4 unit real estate.

Private Equity Market with a Focus on Strategic Sourcing: The Midwest

Wisconsin:

• House prices continue to increase near Madison and Racine counties as more people from the area look for cheap housing and a better lifestyle.

Illinois:

• Chicago has a consistent level of interest for FHA loans, thanks to first-time home buyers who require financing and downpayment assistance programs.

Realstock Investor Programs

Realty investors are moving away from all capital cities and looking towards second-hand rental properties, as there is a good demand for rentals. There is still much interest in short-term furnished rental properties for places that are big tourist spots, but policymakers are increasingly holding back investment.

Top Updates to Regulation: There Is

The National Association of REALTORS(r) has settled on paying a realtor and buyer commission adjustments and structure to be in place come 2025. This has been proposed due to a discussion of concern that the agents will become purely marketing specialists, hence, out of the market.

Watch out for more analysis of these trends as the new year progresses.

NATIONAL HEADLINE NEWS FOR TUESDAY, DECEMBER 24TH 2024Inflation Issues Persist Despite a Boost in Consumer Spending as the Holiday Season Begins.

Retail sales increased across the United States by almost 4.8%. Strong consumer spending from online shopping helped fuel this increase and the high demand for entertainment and travel. However, economists maintain that rising price levels, in conjunction with stagnant wage growth, will hinder any potential growth in the next five years or so.

Mortgage Markets Remain Steady As All Eyes Are Directed Towards the Federal Reserve

30-year fixed-rate mortgages have maintained a national average of 6.75%, marking a period of stabilization for a rampant market with fluctuating rates. The Federal Reserve is expected to conduct a meeting at the start of next month, wherein they will decide whether there is a scope for further rate increases, which may act as a barrier in combating inflation. Furthermore, experts anticipate this meeting with caution, as signs indicate economic growth is beginning to stagnate.

Continued Shortages Within Inventory Persist in the Housing Market.

The US housing market is still suffering from an extreme deficit in the number of active listings, which have dropped by roughly 23% compared to December 2023. The resulting combination of increased interest rates and a shortage of homes has made it difficult for homeowners to afford to sell their homes. Once again, this has dire consequences on first-time buyers, as relatively economical homes aren’t abundant in high-demand areas.

US Senate passed 1.2 Trillion Funding Package Bill for Infrastructure.

In a decisive bi-cameral vote, the Senate approved the one-point-two trillion-dollar funding bill covering new highways, IT, and climate. The construction industry stands to gain tremendously from it, leading to multitudes of job creation. However, there are concerns that the bill may not lead to a green future.

US Department of Justice Cracks Down on Big Tech: New and Tough Privacy Laws Come Into Effect

As Meta and Google colluded over Meta’s Giphy acquisitions, the US Department of Justice issued new privacy laws for big tech companies, requiring them to be more open about their data use and more respectful to consumers. Consumer advocates have well received the move. Still, it has raised fears among business leaders around the possible chilling effect it could cause on innovations.

Winter Storms Force 2000 Plus Flight Cancellations Over Christmas Weekend Travel Plans Afterphotos Shot Sorter Job View Photo

A winter storm that impacted America’s Midwest and Northeast regions has made travel before Christmas difficult. More than two thousand flights have been disrupted around the Michigan, Illinois, and New York regions, and treacherous snow is predicted for Christmas day.

The Stocks Reflect a Gain Following the +/- Year-End Rush.

After the approval of the infrastructure bill and the increased holiday retail sales, investors’ positive mood was reflected as both the Dow Jones Industrial Average and the S&P 500 showed growth. Afterward, the tech-heavy Nasdaq took a harsh tumble during the week but was later able to recover due to the much-anticipated reports regarding the fourth quarter earnings.

As Cases of Problems Arise, the Hospitals Are Bound to Face Issues.

The healthcare system is facing a severe crisis due to increased cases of influenza and respiratory syncytial virus (RSV). All hospitals are under substantial pressure with the pediatric wards, particularly under duress regarding the capacity issue. The CDC has warned people to consider taking extra measures and getting vaccinated due to family gatherings.

The USA and China Relations Are Kick Starting as Planned.

President Biden and Xi Jinping are expected to host a virtual meeting this week to discuss trade relations, Taiwan, and other topics related to global security. Analysts see the virtual meeting as a much-needed reduction of tension between the USA and China, fighting a soft war on multiple fronts.

Sports

NFL Playoff Picture Takes Shape:

The NFL regular season ends and the teams compete for the remaining playoff spots. The Philadelphia Eagles and Kansas City Chiefs have secured their divisions, while everyone else fights for the wildcards. Everyone is set for the high-profile matches as we enter the holiday weekend.

Entertainment

“Avatar 3” Breaks All Previous Box Office Records James Cameron’s “Avatar 3” has grossed $1 billion in just two weeks, making it the highest-grossing film of 2024. Critics love the film for its incomparable graphics and environmental storyline, making it one of the cultural marvel films of the time.

Holiday Spirit Sees Unprecedented Level of Charity Donations

Charitable organizations have reportedly received donations totaling $6 billion this holiday season, thanks to the globalization of humanitarian issues and tax incentives for donors. Corporations and individual philanthropists have donated to various social causes, from disaster recovery to education.

As these events unfold, more follow-up reporting and analysis will be published.

The U.S. mortgage and real estate market is shifting significantly as of December 18, 2024, which affects sellers, buyers, and investors alike. Here’s a comprehensive overview:

Mortgage Rates and Predictions

Let’s look at the current averages step by step. These include the 30-year fixed mortgage, which sits at around 6.78%; the 15-year fixed rate, which sits at 5.94%; and the 5/6 adjustable-rate mortgages (ARMs), which average 7.35%. While all this was happening, the Federal Reserve steadily implemented cuts by scaling the benchmark rate to around 4.3%. However, because of the economic woes and low inflation, mortgage rates remained high, above 6%, as many analysts calculated.

Housing Market Activity

7.35% fixed mortgage rates, along with inflation and remodeling costs, severely restricted builders and home buyers alike from pursuing new projects. Most builders’ optimistic stance, hoping for a turn in market conditions, along with the continued price rise even as remodeling costs rose from $350,000 to $370,000 between 2020 and 2021, further restricted activity in the industry.

NewHome Construction

As housing construction felt the initial effects of the CR2 storm in 2021, the sudden rise in temperatures in the fall of 2022, coupled with the lack of consistent supply, felt like a final unlocking of the keyhole to this issue, with building starts in November having risen by 6.4% to an annual rate of an estimated 1 million units.

Although prices have risen, the rate of increase has been moderated compared to previous years.

Home Price Forecast for 2024-2029

Due to increased listings enabling a relatively higher home sales rate, home prices are predicted to remain flat. However, home prices will gradually rise between 2025 and 2029, with an estimated 1% increase yearly.

Housing Market Forecast for 2024

Substantial growth is anticipated in metropolitan housing markets, such as Oxnard, CA, Rochester, NY, and San Diego, CA. Prices and sales will ideally grow due to good economic conditions and stable prices.

Consumer Insights and Issues in the MarketMillennials as Homebuyers

One of the biggest blocks preventing millennials from fully engaging in the market is high home prices and higher mortgage rates. Based on current trends, 30-year-olds have a 43% homeownership rate, compared to 52% for baby boomers of the same age. Perceptions of homeownership or wealth due to economic imbalance within the generation heavily impact the decision-making process.

Concerns About Affordability: Today, as before, affordability continues to be an issue due to increased home prices and high mortgage interest rates. This led to elevated monthly repayments on existing mortgages. The increasing inventory levels would assist many prospective buyers, but the financial problem would remain.

Investment Opportunities

Real Estate Investment Trusts (REIT): Analysts say total returns on U.S. REITs should fall between 5 and 15 percent in 2025.

American Healthcare REIT, Extra Space Storage, and Cousins Properties are the best choices. These have made sensible investments and displayed steady occupancy rates. Still, their performance could be influenced by high valuations and anticipated changes in tax policies.

The American mortgage and real markets are adjusting to a trying period defined by high rates, low appreciation of home prices, and shifting consumer habits and behaviors. Operators must keep abreast of economic indicators to operate effectively in this economy, including the Federal Reserve’s decisions, policies, and market trends.

U.S. Headline News Summary Between December 16th-22nd 2024 Weekend Wrap Up. This is a detailed overview of the US headlines news of December 16 to December 22 for the year 2024:

February 16, 2024

Abundant Life Christian School Shooting:

• An unfortunate event occurred on February 16, 2024, at Abundant Life Christian School in Madison.
• A school teacher and a student were brutally murdered, along with multiple others getting injured during the life firing.
• It was brought to notice that the shooter was a 15-year-old student who killed herself after the incident.
• It is being investigated if she has any connections with a man living in California who was detained for planning another mass shooting.

February 17, 2024

Investigation Further:

• The Wisconsin shooting was reported to the authorities on February 14, 2024.
• They are investigating the shooter’s personal life, including their social media accounts, to look for any information that could provide insights into her motives for the attack.
• The malefactors of the country paid condolences to the deceased.
• The families of the deceased were offered counseling services to help with the process.

Donald Trump Remarks On Transition

• Donald Trump, who was elected president, held a press conference.
• He shared with the nation his administration’s plans, which included focusing on the general welfare of the people, reforming education, and increasing the budgets for public safety.
• The potential distribution of pardons and the current administration status regarding the polio vaccine were also re-touched.

February 18, 2024

Alerts Concerning Harsh Weather Conditions:

• The National Weather Service issued warnings for Extreme Winter conditions across the northern areas of the United States, including North Dakota, Minnesota, and Wisconsin, between February 16, 2024, and February 22, 2024.
• Light rainfall and thunderstorms predicting torrential rainfall across the southern parts were also expected.

Legislative Measures Against Gun Violence:

• On December 19, 2024, in the wake of tragic incidents, the government commenced deliberations seeking to implement measures aimed at regulating the sale of firearms and tightening the background checks to prevent the sale of guns to minors.

Logistical Challenges:

• The adverse weather conditions brought thunderstorms alongside severe winter weather, resulting in massive road hazards.
• The severe winter hampered travel further, leading to widespread flight cancellations.
• Southern states were also warned about an incoming storm, with snow warnings.

Economic Outlook:

• Economic worries commenced when the approaching holiday season led to slight increases in unemployment claims being reported.

Gun Violence:

• On December 20, 2024, community members, alongside officials, participated in a vigil in Madison to honor the victims of the school shooting.
• They provided their perspectives regarding the tragedy, gun violence, and contemporary gun laws.

Shopping Trends:

• Fractured retail activity was noted due to the volatility within the economy.
• While spending during the holidays shot up, sectors exhibiting strong sales could not compete with the stragglers.

Travel Chaos:

• The storm’s movement out of the Midwest left many issues, including travel disruptions and power outages.
• Southern states suffered due to severe thunderstorms, which led to damaging flood waters, resulting in localized flooding.

Political Dynamics:

• The Trump Administration finalized cabinet appointments, with additional discussions around significant positions in education, public safety, and several other sectors.

December 22, 2023

Present Recovery Actions:

• The communities affected by the winter storm have started recovering.
• Their aim was to clear the roads and get the power back on.
• Emergency services evaluated the damage to any infrastructure.

National Insights:

• Once more, various media outlets were writing about significant developments of the year,
• This refers to the end of 2024, which does not seem to have ended gun violence, climate change, or political unrest.

This summary outlines the relevant news and developments related to the US events from December 16 to December 22, 2024, emphasizing the school shooting and its consequences, extreme weather events, and political changes within the country.

https://www.youtube.com/watch?v=JQlziWgJ6aI&ab_channel=EVAArtesManuais

Crucial developments are changing the country as a whole in the US as of 18th December 2024.

A detailed summary is given below: Political and Government Measures

Banning of US investments in China

The American Congress is about to vote on the laws prohibiting Americans from investing in Chinese technology, targeting artificial intelligence and microelectronics. This effort is designed to resolve issues regarding national security as it shows measures to concern about the packages to fund the government so that federal activities continue until the middle of March.

Renovation of RFK Stadium

The American Congress has passed a bill that will allow Rexon to redevelop the RFK stadium in the district ardent S Senior Sc and lease it for 99 years. This will allow the Washington commanders to return to their esteemed location rent-free.

Economic Indices Housing Market Update

US single-family home building saw a strong upturn in November after a slump caused by the hurricane. US housing starts were up by 6.4%, reaching 1.011 million units on an annual basis. Recent cuts in interest rates by the US Federal Reserve have seen the average 30-year fixed mortgage rate floating around 7, affecting the housing market as well.

Transportation and Communication

Increase in the Number of Flights Operating from Washington Reagan National Airport

The US Department of Transport has confirmed five extra daily round trips from Washington Reagan National Airport.

Flights to STL, Seattle, San Francisco, Las Vegas, San Diego, and San Antonio will soon be available through United, American, and Delta airlines. These are new developments that will be available in 90 days.

Sports Segment

Significant changes have occurred recently for the Washington Commanders, who have signed Tyree Jackson as a Tight End on their practice squad. Additionally, their week 17 game against the Atlanta Falcons has been moved to SMT for its playoff participation. The team is currently reviewing the legislative news regarding the RFK stadium location.

Safety and Education

A tragic mass shooting incident took place at the Abundant Life Christian School located in Madison, Wisconsin. The Authorities stated that a 17-year-old child was the perpetrator, opening fire and killing two children while injuring five and eventually killing himself, all during a school event. The community is left devastated, and the police are investigating the shooting.

Technology/ Security

Various regions in New Jersey are beginning to voice concerns regarding the unidentified drones hovering over the area.

Federal agencies are investigating these events and the reason for the use of drones and have urged the public to report unusual drone activity.

Transitioning Politics

Donald Trump has been regularly making cabinet announcements and policy appointments, with recent updates about the current presidency and electoral results. Discussions are ongoing about decreasing funds for the implementation of charging stations and defunding electric cars, which suggests a change in energy and environmental strategies as a result of the new president.

This would encompass varied political events within the United States, new policies, economic reports, infrastructural growth, sporting events, and safety from farm technological growth.

Since December 17, 2024, the country has witnessed key developments that have impacted the U.S. Here is an in-depth summary:

Federal Funding and Disaster Aid

Congress is reportedly close to inking a funding deal to keep all federal government services running until March 14. This bipartisan agreement allocates more than $100 billion for emergency relief to aid local and state authorities recover from natural disasters such as hurricanes Milton and Helene. Additionally, $10 billion has been allocated in aid for farmers.

The House is expected to vote on the agreement to avert a partial lockdown on government services and allow the decisions regarding the budget to be made after the new president-elect, Donald Trump, and Congress are in place. This vote is believed to push the trimming deadline to January.

Recent East Coast Mysterious Drone Sightings

The FBI and Department of Homeland Security have stated that many of the reports of unexplained drone activity that have surfaced from several East Coast states are civilian, recreational, or police drones, as well as aircraft.

There is no evidence that these UAVs pose any danger to the general population. Instead, they claim that there is a concern for drone surveillance and, therefore, many suspected incidents of antisocial behavior. Dazzling light meters are currently being conducted.

Tragic School Shooting in Wisconsin

Wisconsin School Shooting Update: The Mother is Presently Charged With Closer for the Investigation.

A male student and a teacher were shot dead by Ms Natalie Rupnow, 15. During the attack, she was armed with a 9mm pistol, which she used to open fire.

The incident took place at Abundant Life Christian School, located in Madison, Wisconsin, and it left six individuals hurt. Rupnow ended up taking her own life later on. Her community is currently grieving, and there have been fierce protests requesting the Wisconsin and American politicians to step up and put stricter regulations around gun ownership.

Environmental Concerns at the Hanford Site

Surrounded by leaking tanks and containing 56 million gallons worth of nuclear waste, it is one of the most heavily taken care of sites ever to exist.

The site underwent serious clean-up procedures to gain the vocal documentation that had been prepared since 1989. To tackle the nuclear waste issue, they turned it into glass only to make the long-term storage sit better in glass for a long time. This might be one of the most expensive projects, with costs potentially reaching the hundred billion dollar range, and might take decades to clean up completely. However, major concerns like groundwater contamination and leaking tanks are still hot topics for debate and discussion.

Economic Developments and Market Movements

• The Federal Reserve expects to go for another rate cut in the final meeting of the year.
• Political instability in Canada and Germany has resulted in turmoil in U.S. Treasury bonds.
• Long-term neutral rates are suggested to remain above 3, with the addition of long-term projections hinting at only two permitted cuts next year.
• Furthermore, Donald Trump’s plans to establish a Bitcoin reserve to eliminate the national debt have raised additional red flags among market analysts.

Sports Highlights

In the NFL, covering defender Marshon Lattimore’s endeavors have paid on the trade for the Washington Team in their showdown against the Eagles. Community efforts and field exploits define rookie quarterback Jayden Daniels, who recently gifted 100 local kids bicycles. With key performances by players Daniels and Terry McLaurin, the team’s performance this season has only ever been matched in terms of initial performance in 1992.

Political Calendar

Important dates in the U.S. political calendar that coincide with the end of the year are December 17, this year, when the electors of the U.S. president and vice president will meet in their respective capitals to cast their votes for the President and Vice President.

As mentioned, the 119th Congress, with the inauguration of the U.S. president and the formal certification of the election results, will begin on January 3, 2025. These events emphasize the context of national U.S. news as of December 17, 2024, including the passage of newly aghast public legislation, public and environmental crises, concerns, economic developments, and sporting and political events.

On December 15, 2024, the U.S. mortgage and real estate market is expected to see the following changes:

Trends in Mortgage Rates and Market Development: Reduction of Current Mortgage Rates

The average fixed mortgage rate for 30 years has dropped from 6.69% to 6.6% for the third week. Potential homebuyers can sigh relief, especially as we enter a low-competition winter period.

People Looking To Purchase Homes Expected To Rise

The NAR estimates selling numbers to be higher than in 2025 with the 6% mortgage stabilization rate. The sale value of previously-sector-owned homes is expected to be $410,700, which is a modest increase of 2%. The availability of additional stock and the increase in the number of people relocating to metro areas are shaping the market.

Regional Market HighlightsOuter Suburbs Advancement

According to Australia’s report, outer suburbs and non-metropolitan regions are comparatively outperforming other metropolitan regions in household demand, and the time taken to sell homes is also significantly less. Two cities in Australia, Perth and Brisbane, have seen a major decline in the median selling time, indicating significant market growth after particular times.

Attraction of Myrtle Beach

Myrtle Beach, SC, is gaining traction with retirees. Between 2020 and 2023, the nation saw the maximum adult growth rate of those over 65.

The local housing market has different types of properties that appeal to a wide range of buyers.

Innovations and Industry ChallengesFrustrations in Mortgage Credit

In November, mortgage credit availability drastically dropped, with government indices dropping to the lowest since 2012. Reduced investor interest has affected the liquidity in the market.

Technological Advancements

There is a growing trend within the mortgage field of enhancing how customers are treated and supported during the lending process. Lenders are adapting new technologies that optimize business processes, lower costs, and address changing consumer needs to enhance and deliver value throughout the customer journey.

Consumer StrategiesApps for Mortgage Overpayment

Owners use Sprive and similar applications to make mortgage overpayments, likely reducing their terms and the total interest paid. These applications are linked to a bank account and offer cash back, and these savings contribute to such payments.

Market Outlook: Predictions for 2025

According to the experts, mortgage prices will stay around 6% in 2025, the new mark. These reductions would allow more buyers to enter the market after the interest rates increased previously. However, affordability will remain a barrier, especially in the more sought-out areas.

https://www.youtube.com/shorts/pQrWdi0KNtE

As of December 17, 2024, the mortgage and real estate markets are experiencing notable developments across various regions. Here’s a comprehensive overview:

Mortgage Rates and Trends

• Current Averages: The national average for a 30-year fixed-rate mortgage is approximately 6.78%, rising over the past five days.
• This upward trend followed when rates reached their lowest levels since October.
• State Variations: Refinance rates vary by state, with New York, California, and Arkansas offering some of the lowest rates between 6.70% and 6.90%. In contrast, states like Kentucky, Hawaii, and Illinois have higher rates, ranging from 7.02% to 7.09%.
• Expert Predictions: Economists forecast that mortgage rates will remain above 6% into 2025, with some estimates reaching 6.8%. Factors influencing these projections include potential inflation and national debt concerns.

Real Estate Market Highlights

• Luxury Rentals: Miami Heat star Jimmy Butler rents an 8,500-square-foot mansion on Miami Beach’s exclusive Hibiscus Island for over $70,000 monthly. This property features luxurious amenities, including ocean and skyline views, a private dock, and extensive recreational facilities.
• Australian Market Dynamics: In Australia, housing has become the foremost concern in 2024, with costs escalating significantly. Mortgage holders face increased interest rates, leading to financial strain for many. The average monthly mortgage repayment has nearly doubled from $2,291 in 2022 to $4,428 in 2024.
• UK Housing Outlook: The UK propertSignificant25, such as stamp duty threshold alterations effective April 1, potential mortgage rate reductions later in the year. These factors are expected to influence the UK property market, behavior, and market activity.

Market Predictions and Buyer Behavior

• Potential Market Surge: Real estate expert Barbara Corcoran predicts that if mortgage rates drop to around 5%, it could cause a significant increase in homebuying activity, making the housing market “go ballistic.” Mortgage rates have fallen to 6.6% but fluctuate between 6% and 7%.
• Millennial Hesitancy: Millennials born between 1981 and 1996 exhibit caution when entering the housing market. Past economic crises and volatile home prices have led this generation to view homeownership as a speculative asset, contributing to a lower homeownership rate than previous generations.

The mortgage and real estate landscapes are characterized by fluctuating rates, regional disparities, and shifting buyer sentiments. Stakeholders should closely monitor these trends to make informed decisions in this dynamic environment.

Brent Norkus, of Goosehead Insurance is the preferred referred insurance agent at Gustan Cho Associates in Oakbrook, Terrace, Illinois. GCA Mortgage Group, a dba of NEXA Mortgage is licensed in 48 states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands. Brent Norkus of Goosehead Insurance is availabe seven days a week, eveningss, weekends, and holidays. Brent Norkus of Goosehead Insurance, unlike other insurance agent, is hands on and leads by example. Like to thank Brent Norkus of Goosehead Insurance for this article on property homeowners insurance

https://gustancho.com/property-homeowners-insurance/

• This discussion was modified 1 year, 2 months ago by  Gustan Cho.

gustancho.com

Property Homeowners Insurance is Required by Lenders

Property Homeowners Insurance Is required by lenders to protect both the homeowners and lender's interest and collateral which is the home

Shoud I rent a house or buy a house now? I know that you will get way less house for the money but I do not want to get priced out of the housing market and rent forever.

Motorhomes, also known as recreational vehicles (RVs), are designed for living accommodations. They are equipped with amenities found in homes, making them suitable for travel, camping, and extended stays. Motorhomes come in various sizes and styles, ranging from compact camper vans to larger Class A motorhomes. Here are some common types of motorhomes:

Class A Motorhomes are the largest and most luxurious motorhomes, resembling buses. They often have spacious interiors with amenities like full kitchens, bathrooms, and living areas. Class A motorhomes are built on heavy-duty chassis.

Class B Motorhomes (Camper Vans) are smaller, van-based motorhomes. They are more compact and easier to drive than Class A or C motorhomes but have limited interior space. Class B motorhomes typically include basic amenities like a small kitchen and bathroom.

Class C Motorhomes: These are built on a truck or van chassis, with a distinctive overhang over the driver’s cab. They compromise Class A’s size and Class B’s maneuverability. They often have sleeping areas over the cab, a kitchen, a bathroom, and a living space.

Travel Trailers: While not technically motorhomes, travel trailers are towed by a separate vehicle. They come in various sizes and floor plans, offering flexibility and the option to detach the living space from the towing vehicle.

Fifth-Wheel Trailers: Similar to travel trailers, fifth-wheel trailers are towed by a pickup truck with a special hitch. They provide more stability and interior space compared to traditional travel trailers.

Motorhomes typically feature various amenities, including sleeping quarters, kitchens, bathrooms, heating and air conditioning, entertainment systems, and storage space. Some high-end motorhomes may include additional luxuries like satellite TV, washer/dryer units, and slide-out sections that expand living space when parked.

Owning a motorhome allows individuals or families to travel conveniently with their accommodations, making it a popular choice for road trips, camping, and extended vacations. Motorhomes are becoming increasingly popular. It’s like having a mobile vacation or a second home.

• This discussion was modified 2 months, 3 weeks ago by  Gustan Cho.

What is correspondent mortgage lending?

With Mortgage Rates Jumping from 2.0% to 8% in 2 years, inflation out of control, coronavirus pandemic outbreak, home values surging to all time highs, voter fraud, out of control political corruption, is the Mortgage Industry struggling?

Electric car blog that is very informative. https://www.politico.com/news/2023/12/22/electric-vehicle-boom-demise-00133064

politico.com

Why the battle over electric cars is primed to take off

“In my district, … this is not playing well,” GOP Rep. Lisa McClain said. “And let’s be honest, Michigan is a very influential state for the upcoming election.”

Can someone please explain how the Revenue Share residual income program works for mortgage loan officers at NEXA Mortgage. I am getting conflicting answers. Thank you in advance.

Happy Hump Day !!

VA calls on mortgage servicers to pause foreclosures of VA-guaranteed loans through May 31, 2024 – VA News

news.va.gov

VA calls on mortgage servicers to pause foreclosures of VA-guaranteed loans through May 31, 2024 - VA News

By pausing foreclosures and extending the COVID-19 Refund Modification program, we can continue assisting Veterans with their loans while we launch our newest home retention option, the VA Servicing Purchase (VASP) program.

GCA Mortgage Best Mortgage Calculator powered by Alex Carlucci is used by loan companies. Mortgage processors, mortgage underwriters real l estate brokers, loan officers, realtors, bankers. attorneys, insurance agents, and other mortgage and real estate professionals. Here is a presentation about the GCAs Best Mortgage Calculator powered by Alex Carlucci

https://youtu.be/qUodKgoQ8Tg?si=uPxBwnKnjc7hTXdz

I want to APPLY NOW for a mortgage but have outstanding collection accounts. What is the statute of limitations on collection accounts for a mortgage?

Why business partnernersips fail?

Can men and women who work at brothels in Nevada working as sex workers qualify and get approved for a mortgage loan?

It is ridiculous how Healthcare costs are skyrocketing. Mortgage lending have caps for costs and fees such as the high cost rule. Borrowers cannot be charged more than 5% of the total cost of the loan which included third-party costs such as prepaid, escrow, homeowners insurance, title charges, etc. Compare the high cost cap to Healthcare. Especially prescription drugs.

Interested in the 12-month bank statement program to purchase investment property. But I do not have a primary residence.

Help with financing 2nd home – Rental Income Property

What if I have a non-occupant co-Borrower with poor credit, What To Do???

. If Biden dies or gets impeached do we have to worry about this ding bat becing our President?Kamala Harris is being questioned by millions of Americans on her mental health state and her intelligence level. Is this idiot pretending to be dumb and stupid or is Kamala Harris a real idiot. Kamala Harris has zero brains 🧠 and seems this goof 🤪 is pretending to be a creature with a single digit IQ. Is this brainless moron the number 2 in charge of the United States? How humiliating to have this creature to represent the nation and be a power leader. The Imbecile in Chief. She has zero respect and is not a liked person in any way or form.

https://youtu.be/k7TCTQQWIZI?si=-hQw0rw-TbyD7SxJ