[Tom Miller]

I think political leaders and politicians need to clear up the chemical trails sprayed by jets in the air. If ita conspiracy theory and GLOBALISTS LIKE BILL GATES, Former President Barack Obama and Dr. Anthony Fauci is not trying to depopulate the World population by killing people who are 70 years of age and older thenlets have a Town Hall and discuss the theories that don’t make sense. TOO .MANY healthy people,animals, and living things are getting sick with unexplained diseases, unknown cancers, and unexplained unknowns. It’s time to call out the Satanist and call it truce.

[Tom Miller]

The free 1.0% buy down the first year seems to be a great deal with no hidden fees or tricks. I will research this product more tomorrow and post my findings.

[Tom Miller]

The video, presented by Real Estate Mindset, argues that the current economic crisis is a result of systemic socialism disguised as capitalism, specifically driven by the Federal Reserve and school district spending. The hosts, Travis Spencer and Mitch Vexler, use personal testimonies from individuals struggling with the cost of living to illustrate their points.

Key themes include:

The Myth of the Labor Market: The hosts advise against quitting one’s job, noting that while headline numbers may look strong, the reality on Main Street is characterized by high inflation, stagnant wages, and an inability for many to cover basic living expenses

Systemic Issues: The video characterizes the Federal Reserve and school districts as the largest sources of fraud and inflation, arguing that they engage in “equity stripping” to pay off massive national debts

Lack of Financial Literacy: Mitch Vexler posits that much of the public’s distress stems from a failure of the education system to teach people how to treat their personal finances like a business—balancing income against expenses

The Solution: The hosts advocate for proactive, local involvement and personal empowerment. They suggest that individuals can change their circumstances by becoming informed, managing their finances strictly, and organizing at the community level

Highlights from personal testimonies:

Several segments feature individuals describing their frustration with layoffs, the inability to afford basic needs despite working, and a general sense of hopelessness regarding the current economic system

A segment from a younger individual emphasizes the importance of taking risks and failing early in life, as well as the necessity of setting clear boundaries and priorities

https://youtu.be/U_Ebg9RoysY?si=22LdwWeCAFDvoDtn

[Tom Miller]

Here is a comprehensive detailed overview analysis about the one-time close new construction loan.

One-Time Close Construction Loan: One Closing, Big Relief https://share.google/8ICARPLbTRZhPbLp8

share.google

One-Time Close Construction Loan: One Closing, Big Relief

One-time close construction loan is an acquisition and construction loan all in one closing. Once construction is done, it turns to a permanent loan.

[Tom Miller]

One of my MLO buddies just finished a One-time Close New Construction loan and build with United WHOLESALE Mortgage (UWM)

https://www.uwm.com/trending/one-time-close-new-construction

uwm.com

Smoother process, expanded eligibility | Trending Now | UWM.com

Smoother process, expanded eligibility | Trending Now | UWM.com

[Tom Miller]

FBI Director Kash Patel is once again at the center of growing controversy after a week filled with viral clips, Senate hearing confrontations, criticism over taxpayer-funded travel, and renewed questions about whether his behavior is becoming more of a liability for the Trump administration than an asset. Between the Fox News interview praising Donald Trump, resurfaced drinking clips, accusations of abusing government perks, and backlash over a controversial snorkeling visit near Pearl Harbor, Patel’s public image is taking major hits from multiple directions at once.
In this episode of The Michael Cohen Show, we break down Kash Patel’s latest controversies, the Senate hearing exchange that exploded online, the criticism surrounding his taxpayer-funded Hawaii trip, and why even some Trump allies are quietly beginning to question whether Patel’s constant theatrics are helping or hurting the administration. Michael Cohen also reacts to Patel’s comments about alcohol, the growing concerns surrounding FBI leadership and credibility, the Atlantic lawsuit controversy, and the broader issue of political loyalty becoming more important than professionalism inside government institutions.
Is Kash Patel simply being targeted because of his loyalty to Trump… or are Americans watching the FBI director behave in ways that would have destroyed the careers of previous officials long ago? Watch until the end and let us know what you think.

https://youtu.be/Uh_-SPNyAd4?si=BB-xKudMTxixypaQ

• This reply was modified 1 month, 3 weeks ago by  Tom Miller.

[Tom Miller]

Michael Burry, the hedge fund manager who predicted the 2008 Housing Crash, just issued a major warning on the U.S. Economy and Stock Market, saying today feels similar to the final months before the 1999-2000 Dot-Com Bubble collapsed. Access our 2027 price forecasts.

In this video, we break down whether the booming Stock Market, AI frenzy, and collapsing personal savings rate are creating another dangerous bubble in America, and what it could mean for Home Prices, Real Estate Investors, Zillow forecasts, and the broader Housing Market over the next 12 months.

We also travel to Chattanooga, Tennessee to investigate some shocking Real Estate listings, including:

-$480k townhome

-$600k Airbnb investment properties

-$500k one-bedroom condos

-Massive price cuts from sellers and investors

-Surging Housing Inventory level

The data from Reventure App, Zillow, Realtor.com, the Federal Reserve, and Robert Shiller’s PE Ratio all point toward growing risks in both the Housing Market and Stock Market

Topics covered in this video:

Michael Burry’s stock market warning

-Dot-Com Bubble vs 2026 comparisons

-Why the personal savings rate matters

-The relationship between stock prices and home prices

-Why Housing Inventory is rising across many markets

-Investor psychology in today’s economy

-Chattanooga Housing Market analysis

-Airbnb investors cutting prices

-Why sellers are refusing to lower prices

Whether a stock market correction could actually help

Housing Affordability

One of the biggest questions facing the U.S. Housing Market right now is whether elevated stock prices are artificially supporting Home Prices by reducing seller pressure. If the stock market eventually corrects, could more investors and homeowners finally be forced to sell?
At the same time, there’s also an argument that lower stock returns could eventually push more money back into Real Estate investing, similar to what happened after the 2000 crash,
The next 12-24 months in the Housing Market could be extremely important.

https://youtu.be/S0g0sDbiP1o?si=H1PhxPnwmJyRVa0L

• This reply was modified 1 month, 4 weeks ago by  Gustan Cho.

[Tom Miller]

FHA provides Standard 203(k) loans for existing manufactured homes. These homes are eligible for financing. While a permanent concrete foundation is often preferred, it is not always necessary. Whether you are buying or refinancing, HUD 203(k) rules still apply.

To qualify, the property must meet current FHA requirements for manufactured homes. These include:

• The home must be built after June 15, 1976, and be a certified HUD home.
• The home must be, and remain, legally considered real property (the loan also covers the land).
• The home must remain on its permanent chassis.
• The home must have a permanent foundation as defined by FHA and HUD.
• A concrete foundation alone may not be enough.
• The lender will probably ask for an engineer’s certificate to confirm the foundation meets FHA and HUD standards.
• The planned work must not alter the manufactured home’s original structural components, which were built under the HUD manufactured-housing standards.

If a manufactured home needs major upgrades, the Standard FHA 203(k) loan is usually a better choice than the Limited 203(k). This loan covers many types of repairs, such as structural, plumbing, and electrical work, as well as bathroom and other major renovations. However, you cannot use the Standard 203(k) if the home needs to be moved or completely rebuilt.

To sum up:

• You can use an FHA Standard 203(k) loan to improve a manufactured home on your land if it has a permanent concrete foundation and needs major repairs.
• The key things to remember are that the home must remain FHA-approved, the foundation must comply with FHA rules, and the work cannot involve tearing down or replacing the home.

You may hear conflicting information because many FHA lenders and brokers either do not offer 203(k) loans for manufactured homes or have policies prohibiting them. This is because of lender policies, not FHA rules.

[Tom Miller]

Federal Reserve Chairman Jerome Powell has recently issued stark warnings about the United States’ fiscal trajectory, often using terms that highlight the unsustainable nature of the current national debt. He has stated that the federal government is on an “unsustainable fiscal path,” with the national debt growing faster than the economy.

This trajectory, he warns, could eventually lead to a “fiscal crisis” or “debt spiral” where the government is forced to make drastic and painful cuts to spending or raise taxes significantly, potentially triggering a severe recession.

The core of his argument is that the high and rising debt level will increasingly constrain the government’s ability to respond to future crises and will place a growing burden on the federal budget due to rising interest payments.

The political reaction to these warnings is sharply divided along party lines, with significant nuances within each party.

President Donald Trump and Republicans:

Republicans, particularly those aligned with the “Make America Great Again” (MAGA) movement, have a complex and often contradictory view on this issue.

Trump’s Stance:

Donald Trump has historically been dismissive of debt and deficit concerns, especially during his own presidency when he oversaw significant increases in the national debt, partly due to large tax cuts in 2017. His primary argument is that economic growth, which he believes he can uniquely generate, will solve the debt problem by “growing out of it.” Trump has often referred to himself as the “king of debt,” suggesting he understands how to manage it.

Trump and his allies are likely to frame Powell’s warnings not as a legitimate concern about fiscal responsibility, but as a politically motivated attempt by a “deep state” or “globalist” figure to undermine his economic agenda or to pressure Republicans into accepting spending cuts or tax increases that they oppose.

They would argue that the focus should be on cutting wasteful spending, particularly on foreign aid and what they deem “woke” domestic programs, rather than on the overall debt level itself.

Mainstream Republican View:

• The broader Republican Party has traditionally positioned itself as the party of fiscal conservatism.
• They often use the national debt as a powerful political tool to criticize Democratic spending proposals, particularly those related to social safety nets, climate initiatives, and infrastructure.
• Their standard prescription for addressing the debt involves:

Slashing Government Spending:

• Advocating for significant cuts to discretionary programs and reforms to entitlement programs like Social Security and Medicare, though the latter is often a politically risky “third rail.”

Opposing Tax Increases:

• Holding a firm line against any tax hikes, arguing that they stifle economic growth.

Deregulation:

• Promoting the idea that cutting regulations will unleash economic activity, thereby increasing tax revenues without raising tax rates.

In summary, when faced with Powell’s warnings, Republicans are likely to deflect blame onto Democratic spending while simultaneously resisting any of the painful solutions (like tax hikes or major entitlement reform) that economists agree are necessary to truly fix the problem. They will likely champion growth as the primary solution, a view that many economists find insufficient to address the magnitude of the debt challenge.