[LK1119 2004]

The recent trends as of June 3, 2025, show the following mortgage rates for different loan types:

30-Year Fixed Mortgage:

• The average rate is now 6.93%, down four basis points from last week but slightly higher than the 6.83% reported a month ago.
• This rate has been volatile, with a peak of 7.15% and a low of 5.89% last fall.
• The APR is hovering around 7.00%.
• Lending rates are affected by the 10-year Treasury yield, which is inflated to 4.4%—4.5%, and the economic inflation and tariff policies of Trump’s administration.
• Forecasts still show a mid-6 to low-7% rate through 2025, with some more optimistic experts expecting a gradual decline to 6.2 – 6.6% by the end of the year.

15-Year Fixed Mortgage:

• The average rate is 6.11%, down four basis points from last week.
• This is lower than the mid-April peak of 6.31% but still above last September’s two-year low of 4.97%.
• Monthly payment figures are greater than 30-year loans (around $850 for each $100,000 borrowed).
• However, considerable savings on interest are achieved due to the shorter loan term.
• Forecasts suggest a drop to around 4.7 – 5.0% by mid-2026.

5/1 Adjustable Rate Mortgage (ARM):

An average rate of 6.21% shows an increase of 8 basis points from the prior week.

• ARMs are more appealing for borrowers who plan to sell or refinance before the fixed period ends since these loans are more beneficial for short-term borrowing.
• They have lower initial payments than fixed loans, estimated at around $613 for every $100,000 borrowed over the first five years.
• Nonetheless, the unpredictable nature of annual adjustments after the five-year period poses a risk for borrowers if market rates increase.

Market Context:

• Mortgage rates remain stubbornly elevated because of a robust economy, consistent inflation, and Federal Reserve policies.
• Long-term fixed mortgage rates remain stable without reduced spending, which is currently not anticipated.
• As of late 2024, the federal budget deficit, coupled with uncertainty around tariffs, is expected to remain high, which dampens expectations for reduced spending or low restraint.
• Due to high mortgage rates, homebuyers face challenges with record prices (the median was $414,000 in April).
• There is also persistent inflation, further limiting buying power.

Connection to Hard Money Loans:

• Unlike traditional mortgages, hard money loans offered by Gustan Cho Associates have short terms (ranging from 6 months to 3 years) and higher interest rates, ranging from 8 to 15%.
• These are not as greatly impacted by Treasury yields or the Fed, as private lenders fund them based on the collateral’s value.
• Hard money loans provide rapid financing for projects such as fix-and-flips.
• However, given the rising rates for conventional mortgages, they are now losing relevance.

Outlook:

• Economic factors and national debt issues prevent rates from declining below 6%.
• These are the reasons rates are expected to drop gradually until 2025.
• Borrowers need to check with different lenders to secure the best rate because even a small difference in rates can amount to thousands of dollars over the life of the loan.

For hard money loans or conventional mortgages, Gustan Cho Associates could offer alternative financing options for non-traditional borrowers.

[Julio Munoz]

Lindsey Graham is backstabbing 47 & trying to start a world war for the deepstate to profit. He didn’t inform 47. TREASON!

Senator Lindsey Graham’s claims of committing treason by turning on Trump “47” and attempting to instigate a world war for deep state profiteering is extravagant and highly unusual, posing outrageous accusations.

It looks like four years of restraining Trump made Lindsey Graham paranoid. Nonetheless, it is widely accepted that no factual evidence supports every claim made, and in this case, it is no different. Graham must understand that his treason claims are legally bound to certain factual evidence. Claiming “deep state” actors to be the reason without any proof being presented hallows the term sentence “levying war against the United States,” which Graham refrains from daily.

Graham claims to seek genuine reasoning behind his accusations but fails terribly in finding the proof and logic that raises rational questions without providing boundaries to a fear-surfaced, baseless statement.

As recent news and GCA Forums posts have noted, the Trump and Graham conflict, specifically regarding foreign policy forums,

For example, Graham advocates for severe sanctions on Russia while demanding support for Ukraine.

• This funding approach directly contradicts Trump’s attempt at de-escalating the Ukraine-Russia conflict.
• A notable portion states Trump’s political strategist Steve Bannon lambasted Graham for saying he’s “100% against President Trump’s foreign policy” and demanded his arrest after Ukraine downed Russian bombers, which he claimed Graham supported without the president’s insight.
• Remarks on GCA Forums News parallel this notion, with some calling him a ‘traitor’ for contradicting Trump’s attempts at avoiding a larger conflict.
• Graham’s support for sanctions on Russia and challenging Trump’s strategy does not prove he is a traitor or colluding with a ‘deep state’ to profit from war.
• As Bloomberg reported, Graham’s push for sanctions garnered support from 72 senators and focused on punishing Russia and its supporters, consistent with his hawkish stance on Russia.

Linsday Graham’s public remarks, such as those made on NBC News, focus on giving Ukraine intelligence and arms until a ceasefire, which he claims is necessary to avoid a scenario “worse than Afghanistan.” These actions are likely within the scope of his senatorial responsibilities concerning foreign policy and do not suggest the level of conspiracy needed to justify a claim that there is an attempt to instigate a world war.

• The “deep state” narrative that describes a “shadowy” group with proxies in government who systematically manipulate policy for gain remains Graham-centric without any direct linkage of such a scheme involving him.
• Some divergences between Graham and Trump, for example, their reported differences over Ukraine and Zelenskyy, seem more like disagreements over policy rather than a conspiracy to commit treason against the country.
• The fact that Trump and Graham have had a history of oscillating support for Trump, with him at times attacking (like the January 6 pardons) while supporting others, signals plans other than betrayal on the order of a conspiracy.

If you are pointing to particular events or evidence not discussed here, feel free to share more information so I can investigate further. The available evidence suggests that the accusation stems from a politically motivated dispute exacerbated by inflammatory rhetoric on GCA Forums, but given the information at hand, it does not reach the legal or evidentiary standard of treason.

If you want me to look into related GCA Forums posts or try to find more context, just let me know!

https://youtu.be/hdjf_2Qc53M?si=jOy7mLy13G95XcQx

• This reply was modified 1 day, 16 hours ago by  Gustan Cho.

[Chase]

Finally Karma is on the side of the GOOD Guy. Minor Satisfaction.

https://youtube.com/shorts/PW9j052QrEM?si=OpmZYAESKX1OLD7n

[Doc]

Is New York Attorney General Letitia James guilty of racketeering? Letitia James, the Attorney General of New York is in a whole amount of trouble. Tons of trouble
According to forensic accountant and former white-collar criminal Sam Antar, the evidence is more than damning. This video breaks down how James allegedly committed mortgage fraud across multiple properties for decades, while using the power of her office to conceal and defend those actions.

Should the DOJ finally bring RICO charges against Letitia James? Let me know in the comments.

https://youtu.be/CltF7T4p-GQ?si=q6gT6xgkMtAfqLie

• This reply was modified 1 day, 10 hours ago by  Sapna Sharma.

[Winston]

🚨BREAKING: Fani Willis WHISTLEBLOWER Links BILL BARR as Architect of Fulton County RICO Case! 🚨SHOCKING REVELATION: Fani Willis Whistleblower Links Bill Barr to RICO Charges! 🚨BREAKING: FANI WILLIS BOMBSHELL. A WHISTLEBLOWER’S FIRST HAND WITNESS TESTIMONY exposes BILL BARR as the “Architect of The Fulton County RICO with Fani Willis”. There are photos, recordings and documents. Also, ARMSTRONG WILLIAMS uses BEN CARSEN as an involuntary mole. No

https://www.youtube.com/live/TLdirc28U6s?si=b0KT-pms0SnHvJUH

[Wiggie]

Chicago Mayor Brandon Johnson must be smoking Crack cocaine over fried rice. Johnson, with a single digit rating is under the impression he is doing a great job. Johnson with a straight face, tells Chicagoans that under his leadership, Chicago is turning into the Greatest City in the nation. Watch the attached short video clip:

https://youtu.be/-aP8BcFrmAU?si=qC976rsh2VhgOH7_

[Wiggie]

Please watch the attached short video clip on Chicago Mayor Brandon Johnson. This is the guy who is taking Chicago into the ground. Chicago Mayor Brandon Johnson (D) compared President Trump to a terrorist after the president threatened to withhold federal funding from sanctuary cities. “Trying to hold people hostage and manipulating them to succumb to his will, and then hold up our tax dollars, that is how terrorists behave,” Johnson said Tuesday. “Look, he’s not going to hold the people of Chicago ransom.”

https://youtu.be/u1TYuHfJYFg?si=WcILCHxPVGniXseI

[Wiggie]

JP Morgan Chase CEO Jamie Dimon issues a critical warning the US economy is deteriorating at a true unemployment rate of 24%. Many Americans with full time jobs, and lot more than one full-time jobs cannot make ends meet and are not seeing the light at the end of the tunnel. Jamie Dimon says the bond markets affecting the bond market

Dimon doesn’t see a difference in a soft landing.

Please watch the attached short video clip:

https://youtu.be/Pr7GntV71RI?si=BN1EMutkw2qLcuiNHu

[Wiggie]

MLS’s across the world in cahoots with real estate agents are manipulating housing, markets worldwide to make listings appear fresh and reinvigorate buyer interest by hiding how long properties have been listed on the market for. Today I’m gonna prove to you that this is actually being done on purpose and is a known manipulation tactic to have less transparency about the house you want to buy. This ultimately leads to pour buying decisions and high-pressure sales tactics from real estate agents creating a false sense of urgency.

https://youtu.be/ZA11xZGaOgI?si=QNycnzIOAz-ShmEd

• This reply was modified 10 hours, 44 minutes ago by  Sapna Sharma.