Topics

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.

Can anyone tell me more about contract processing? I do not know how contract processing works and want to know how this concept will benefit my home buyer. I have been a real estate agent and managing broker for 25 years and have worked with dozens of loan officers over the years and never hear of such thing. Is it better for real estate agents to refer clients to mortgage brokers without contract processing? Do real estate agents connect with contract mortgage processors? Who pays for contract processing? Are contract mortgage processors competent and experienced? I think processing is the most important step throughout the mortgage process. Thank you in advance.

Are there any reputable credit repair companies anyone at GCA FORUMS can recommend? I am a licensed real estate agent in Illinois, Wisconsin, Indiana, Tennessee, and Kentucky and represent homebuyers of residential and commercial properties. However, many of my clients are in need of a credit repair consultant to rebuild, re-establish, and boost their credit scores during times of high mortgage rates and lenders requiring higher credit standards. I have spoken to Felix Nicolas and he said that Gustan Cho was working on vetting a few reputable national credit repair companies and he will be making an announcement on the GCA FORUMS sometime this week. We are in desperate need of a credit repair consultant to help hard working homebuyers and investment property investors. Thank you in advance.

German Shepherd Puppies. Tennessee. Pure bred. 2 panda color males and one black and tan males. Mom is black and tan. Dad is white. 4 months old. Beautiful German bloodlines. Contact Yvonne Schinzel for more information. To good homes only. I may be available on the black and tan one. Black and tan is a female

Here’s an informative YouTube video on Digital Media Marketing.

https://youtu.be/t9ymUPSBT9U?si=ICr4HIxcP3ZIrZLR

I would like to know more about Costa Rica 🇨🇷. Since I can work remotely, I was thinking about traveling more and enjoying life. Life is way too short and the older you get, the father time passes. God gave each of us one life to be the best we can be and become successful. Everyone’s definition of success is different. Some people are happy living in one place and living off their social security income and pass away in the very small town where they were born. Others want to travel the entire world 🌎 and become billionaires and still do not think they succeeded in life. My goal is to travel the United States 🇺🇸 with my Class A motorhome. I like to visit every state in the United States before I pass. I always want to visit and purchase vacation homes, AirBnB’d or investment properties. One of the places I am curious about is Costa Rica 🇨🇷. Both in having a waterfront condo, home, or apartment buildings for investment. I like to research about the government of Costa Rica 🇨🇷, their currency, economy, weather, school systems and education platforms, people, cost of living, economy, growth and growth potential, medical care, housing market, foods, entertainment industry, financial markets, employment opportunities, job opportunities, law and order, crime, business opportunities, and everything about Costa Rica. I see potential growth opportunities in Costa Rica and would love ❤️ to start a detailed online message board about everything Costa Rica. Thank you all in advance.

Need some down payment assistance? Fannie Mae just rolled out 6K and down payment assistance! This is a special assistant barware program! This is gonna be only obtainable and 20 locations throughout the United States of America. Dilan parameters also include at least 3% down a 620 FICO score. You will be eligible for up to $6000 towards closing costs and $500 towards a home warranty You must be a first time home Brow for more information reach out to me at 586-256-3945. Feel free to text.

Does Fannie Mae have a down payment assistance mortgage loan program for first-time homebuyers?

And never changing market you just have to be the type of person that can adapt. Evolution is key.

I bought a pair of $1,000 brand new eye glasses which which I placed on my night stand for less than 5 minutes last night next to my nightstand. Next to my much needed $1,000 brand new eye glasses were 3 cheap disposable reading glasses from Walgreens. My 10 month old German Shepherd puppy takes my $1,000 eyeglasses instead of the other cheap disposable reading glasses to his Kennel and destroys him. My German Shepherd puppy has a serious habit of taking my shit to his Kennel and collecting them. All my shoes 👞 are gone and when I retrieve them, 3 minutes later they are gone. A major problem. I am beginning to think my dog 🐕 is stealing my shit on purpose.

Change Thumbnail

• Generating thumbnail…
• Generating thumbnail…

0:22

0:22

Homeowners who need to reside or repaint their homes should seriously look at this brick veneer product. Looks so cool. Let us now take a closer look at GenStone exterior faux siding in detail –

GenStone Exterior Faux Siding

What is GenStone?

GenStone is a brand that sells manufactured stone veneer and faux siding products intended to replace real stone, brick, and wooden walls. Its products are lightweight, durable, and can be used indoors and outdoors.

Types of Products Offered

Faux Stone Panels: These are offered in many colors and styles and are made to look like natural stones.

Faux Brick Panels: These are brick-looking panels that can be used to achieve a traditional old brick wall style.

Wood and Shingle Styles: Designed to mimic wooden panels, providing the rural feel but without the upkeep.

Materials and Construction

Combining high-density polyurethanes with other materials makes GenStone products light but strong. They are manufactured to withstand different weather conditions and are fade-resistant.

Installation Process

Easy Installation: GenStone panels are designed to ensure ease of installation and enable homeowners or life hackers to complete the work without engaging a contractor.

No Mortar Needed: In most cases, the panels can simply be adhered to the walls, making the use of mortar obsolete.

Cutting and Fitting: Panels can be cut with ordinary tools to conveniently meet requirements for adjusting windows and doors.

GenStone Benefits

Cost-Effective: Faux siding materials are cheaper than installation of natural stone or wood because material and labor costs are lower.

Lightweight: They are easy to carry and fit since they weigh little.

Low Maintenance: These do not need as much care as conventional materials do since they will not rot, change shape, or require new paint.

Versatile Design: They come in different designs and colors to fit various architectural designs.

Applications

The GenStone works great for residential as well as commercial projects, with several exterior facades, accent walls, fireplaces, and even interiors as applications.

Warranty & Support

Most GenStone products are guaranteed to last a long time, and customers are supported in getting what they want. If a customer asks for help with installation or design ideas, they can help.

Environmental Considerations

GenStone products contain recyclable materials that can help conserve energy for a building, thus making them sellable as “eco-friendly.”

Where to Buy

GenStone products are available for order on their website and at other home improvement retailers. However, only some locations will have stock.

Feel free to ask about a certain product type, review other product lines, or get instructions on installing it!

https://genstone.com/products/faux-stone-panels?utm_campaign=tofu_disc_tr&utm_source=im_aud&utm_medium=googl_disc&utm_content=discover_stone&gclid=Cj0KCQiAr7C6BhDRARIsAOUKifhIWwJsYf-vGW_TDChbjAhKl_kyFgYADQ8QOHz1VT0AK38BsmdXJFcaAoexEALw_wcB

• This discussion was modified 3 months, 1 week ago by  Gustan Cho.

genstone.com

GenStone Faux Stone Panels

Shop the GenStone collection of faux stone wall panels for exterior and interior projects to find the perfect color panels for your project.

Most police officers are law abiding true heroes. However, there are always a few bad apples like you see on this video. Know your constitutional God given rights, folks

Amazing word of advice from Mr. Kevin DeLory

https://www.facebook.com/kevin.delory/videos/1512211816209484/?mibextid=Nif5oz

facebook.com

Tell your people you love them. Appreciation goes a long way. | By Kevin | Facebook

Tell your people you love them. Appreciation goes a long way.

Here is classic by the Rolling Stones She’s So Cold

https://www.youtube.com/watch?v=sEJM6NJt-9c

Amazing message Kevin. Thank you for your faith and outlook in life and being a hero to us all. God Bless 🙏

📸 Watch this video on Facebook

https://www.facebook.com/share/v/8yqh1KYJcw6YNq4G/?mibextid=7F9bzA

facebook.com

Log into Facebook

Log into Facebook to start sharing and connecting with your friends, family, and people you know.

After a fantastic day on Tuesday and frustrating little bounce after yesterday’s Retail Sales data, mortgage rates have fully recovered back to the recent lows.

Any time rates move enough to merit a discussion, it coincides with a similar move in the broader bond market. Bonds are currently highly susceptible to economic data (as seen on Tue/Wed).

Whereas Wednesday’s data pushed bond yields and interest rates higher, Thursday’s data sang a different tune. weekly Jobless Claims (not to be confused with the big monthly “jobs report” that comes out on the first week of any given month) were higher than expected and several other reports also spoke to a modest uptick in economic headwinds.

The economy may not like headwinds, but what’s bad for the economy is generally good for bonds/rates. Today was no exception. As bonds erased all of yesterday’s losses, interest rates moved back in line with best recent levels. For some lenders, that was Tuesday. For others, it was last Friday.

A true mentor, friend, business Associate, Leader, and hands down the best inspiration, Kevin DeLory, The Chief Lending Officer at Equity Prime Mortgage (EPM). I never spoke or directly ever communicated with this great man and leader, Kevin DeLory. However, I have grown very fond of this great man and seem I have known him all my life. I first became curious about The leadership of Equity Prime Mortgage became I became intrigued with working with a young talented wholesale account executive three years ago, Christian Sorenson. I became very fond of Christian Sorenson over the years and beloved it or not, Christian Sorenson was part of a package deal when I was negotiating my employment for a P and L Branch at NEXA Mortgage with CEO Mike Kortas. I respectfully requested to CEO Kortas if TEAM GCA is moving to NEXA Mortgage, Christian Sorenson needs to be our EPM account executive even though there were other talented EPM wholesale reps. Having interest,friends, family, fondness, and experience in law enforcement, I started poking around the foundation of EPM and that’s how God dropped Kevin DeLory on my lap. WOW!!! Every one of his messages is spiritual and not a statement that I do not agree with this legend of a great man. Seems I known Kevin DeLory all my life. I become to know him more and more as time passed and asked a favor to Christian Sorenson if he can arrange a phone call between the two of us. There is not a person in the world 🌎 who I have prayed more for than Kevin DeLory. My foundation is you are who you hang with. It’s the people that make a great team. It’s the team that make a great company. Kevin DeLory is the type of leader we need for decades to come to make this World a better place for our children, and grandchildren. God Bless this GREAT FRIEND AND 🙏 ❤️ LEADER. WE LOVE YOU KEVIN DELORY

https://m.facebook.com/story.php?story_fbid=pfbid0wkYGo3AkpRrgXHQqAsESFaVqiooYVEqAJX5rE2iksAmHQALaR2wmoNvTTW4H2mjHl&id=100005844366965&mibextid=Nif5oz

m.facebook.com

Log in or sign up to view

See posts, photos and more on Facebook.

Rhode Island is the smallest state in the United States by land area and one of the original 13 colonies that declared independence from British rule during the American Revolution. Here are some key facts and information about Rhode Island:

1. Geography: Rhode Island is located in the New England region of the northeastern United States. It is bordered by Massachusetts to the north and east, Connecticut to the west, and the Atlantic Ocean to the south. Despite its small size, the state has a diverse geography, including coastal areas, bays, and islands.

2. Capital and Largest City: Providence is both the capital and the largest city of Rhode Island. It is home to many universities, including Brown University and the Rhode Island School of Design (RISD).

3. Nickname: Rhode Island is often referred to as the “Ocean State” due to its extensive coastline along the Atlantic Ocean.

4. History: Rhode Island was one of the original 13 colonies, and it played a significant role in the early history of the United States. It was founded by Roger Williams in 1636 as a haven for religious freedom and tolerance. The state was also the first to declare independence from Britain on May 4, 1776.

5. Economy: Rhode Island’s economy is diverse, with sectors such as healthcare, education, manufacturing, and tourism playing important roles. The state is known for its maritime and fishing industries, as well as its vibrant arts and culture scene.

6. Tourism: Rhode Island attracts visitors with its beautiful coastline, historic sites, and cultural attractions. Popular destinations include Newport, known for its Gilded Age mansions and sailing culture, and the coastal town of Narragansett, famous for its beaches.

7. Education: Rhode Island is home to several prestigious educational institutions, including Brown University, the University of Rhode Island (URI), and the Rhode Island School of Design (RISD). These institutions contribute to the state’s academic and cultural vibrancy.

8. State Symbols: The state bird of Rhode Island is the Rhode Island Red, and the state flower is the violet. The state’s motto is “Hope,” which is featured on its flag.

9. Government: Rhode Island has a state government that consists of a governor, a bicameral legislature (House of Representatives and Senate), and a judiciary. It is known for its long history of political activism and engagement.

10. Quirky Facts: Rhode Island is known for having the longest official state name in the United States: “The State of Rhode Island and Providence Plantations.” In recent years, there have been discussions about shortening the state’s name to eliminate the reference to “plantations” due to its historical associations with slavery.

Overall, Rhode Island may be small in size, but it has a rich history and a unique identity within the United States.

Here’s five photos of Chase my 10-month German Shepherd puppy 🐶 💖 💓 💕 😍 💗 Got him at 7 months old. Very skinny. Weighed 55 pounds and gained 10 pounds after 3 weeks. Don’t know how much he weighs yet. Still under treatment for intestinal worms.

Occupancy fraud, also known as occupancy misrepresentation or occupancy fraud scheme, is a type of fraudulent activity that occurs in various industries, including real estate and insurance. It involves misrepresenting the occupancy status of a property or the intended use of a property for personal gain or to obtain favorable terms or benefits. Here are some common examples of occupancy fraud:

1. Mortgage Fraud: In the context of real estate, occupancy fraud can occur when a borrower misrepresents their intention to live in a property as their primary residence when, in fact, they plan to use it as an investment property or a vacation home. This misrepresentation may be done to secure a lower interest rate or down payment requirement, as primary residence mortgages often have more favorable terms.

2. Insurance Fraud: In the insurance industry, occupancy fraud can occur when an insured individual misrepresents the occupancy status of a property to obtain lower insurance premiums. For example, someone may claim that a property is their primary residence when it is actually vacant or used as a rental property to secure lower insurance rates.

3. Rental Fraud: In the rental market, tenants may engage in occupancy fraud by subletting or renting out their leased property without the landlord’s knowledge or consent. This can lead to unauthorized occupants living in the property, potentially violating lease agreements and causing legal issues.

4. Government Programs Fraud: Some government programs and incentives are based on the occupancy status of a property. Individuals or businesses may engage in occupancy fraud to qualify for these programs when they are not eligible, potentially receiving subsidies or benefits they do not deserve.

Occupancy fraud is illegal and can have serious consequences, including financial penalties, legal actions, and damage to one’s reputation. Lenders, insurers, landlords, and government agencies often investigate and take measures to detect and prevent occupancy fraud to protect their interests and maintain the integrity of their programs and services.

Nebraska is a state located in the Midwestern region of the United States. Here are some key facts and information about Nebraska:

1. Capital and Largest City: The capital of Nebraska is Lincoln, while its largest city is Omaha.

2. Geography: Nebraska is known for its flat and largely treeless landscape, particularly in the eastern part of the state, which is part of the Great Plains. The western part of Nebraska is more rugged and includes the Sandhills region, as well as the beginning of the Rocky Mountains.

3. State Motto: The state motto of Nebraska is “Equality before the law.”

4. Nickname: Nebraska is often referred to as the “Cornhusker State.” This nickname is derived from the nickname “Cornhuskers,” which was given to the University of Nebraska athletic teams.

5. History: Nebraska became the 37th state of the United States on March 1, 1867. It played a significant role in the westward expansion of the United States during the 19th century, as the Transcontinental Railroad passed through the state.

6. Economy: Agriculture has historically been a major part of Nebraska’s economy. The state is known for its production of corn, soybeans, beef, and other agricultural products. In recent years, Nebraska has also developed a growing technology sector, particularly in and around Omaha.

7. Education: Nebraska is home to several institutions of higher education, including the University of Nebraska system, Creighton University, and Nebraska Wesleyan University.

8. Natural Attractions: Nebraska has several natural attractions, including Chimney Rock, a famous landmark on the Oregon Trail, and the Sandhills, which are a unique region of sand dunes and grasslands. The state also has several state parks and recreational areas for outdoor enthusiasts.

9. Historic Sites: Nebraska has numerous historic sites and museums, including the Homestead National Monument of America, which commemorates the Homestead Act of 1862, and the Strategic Air Command & Aerospace Museum, which showcases the history of military aviation.

10. Sports: Sports are popular in Nebraska, and the state is known for its passionate fan base, especially in college football. The University of Nebraska’s football team, the Cornhuskers, has a strong following. The state also has minor league baseball teams and other sports activities.

These are just some of the key aspects of Nebraska, a state with a rich history and diverse landscapes.

How is living in Puerto Rico 🇵🇷?

Manufactured homes, often referred to as mobile homes or trailers, are housing units that are built in a factory and then transported to their final site. These homes are designed to be more affordable and efficient compared to traditional site-built homes. Here are some key characteristics and information about manufactured homes:

1. Construction: Manufactured homes are constructed in a controlled factory environment, typically using assembly line techniques. This controlled environment allows for better quality control and efficiency in the construction process.

2. Mobility: One of the distinguishing features of manufactured homes is their mobility. They are built on a steel chassis with wheels, making them transportable to different locations. This mobility is why they are sometimes called “mobile homes.”

3. HUD Code: In the United States, manufactured homes are regulated by the Department of Housing and Urban Development (HUD). Homes that meet specific construction and safety standards outlined in the HUD Code are considered manufactured homes. The HUD Code sets standards for things like structural integrity, energy efficiency, and safety features.

4. Sizes and Styles: Manufactured homes come in various sizes and styles, ranging from single-wide to double-wide or even larger. Single-wide homes are narrower and typically have a single section, while double-wide homes are wider and consist of two sections that are joined together.

5. Affordability: Manufactured homes are often more affordable than traditional site-built homes, making them an attractive housing option for individuals or families on a budget. However, their resale value can be lower than that of site-built homes.

6. Customization: While there is some level of customization available for manufactured homes, they are generally less customizable than site-built homes. Buyers can often choose from a range of floor plans, finishes, and features, but major structural changes may be limited.

7. Placement: Manufactured homes can be placed in a variety of settings, including mobile home parks, rural properties, and private lots. However, zoning and land-use regulations may affect where you can place a manufactured home.

8. Financing: Financing options for manufactured homes may differ from those for site-built homes. There are specialized loans, such as chattel loans, that are designed for mobile homes. Additionally, if the home is permanently affixed to land you own, you may be able to secure a traditional mortgage.

9. Maintenance: Like any home, manufactured homes require regular maintenance to ensure they remain in good condition. This includes upkeep of the exterior, roofing, plumbing, and electrical systems.

It’s important to note that the term “manufactured home” is distinct from “modular home.” Modular homes are also factory-built but are constructed in sections or modules that are transported to the site and then assembled on a foundation. They often conform to local building codes and can resemble traditional site-built homes more closely.

The specific regulations and terminology related to manufactured homes may vary by country and region, so it’s important to familiarize yourself with local rules and guidelines if you are considering purchasing or living in a manufactured home.

• This discussion was modified 1 year, 4 months ago by  Bentley.

No Housing Structures / No Slabs etc.

Purchase only

Land Appraisal

60 days seasoned assets

Full Doc, Bank Statement or P&L … only one year income required

240 months term

660 min. score

65 LTV

Trans Union single repository credit report

Allows a non-occupying co-borrower

$100K min. loan amount

$154K min. purchase price

$825K max. loan amount

No Prepayments

No Insurance

No gift funds

No reserves

Gift of Equity allowed … case by case

1. Direct family member
2. 100% of the down payment in a gift of equity but needs 100% of the closing costs
3. Employed over two full years

• This discussion was modified 1 year, 3 months ago by  Felix.

The link below is for our Basic Credit Bootcamp. This is a short, very basic overview of credit. It is a great refresher and has some great tips included throughout the video. ENJOY and we hope you find something of value! If you have any questions, please feel free to reach out

http://www.thecreditcouple.net/bootcamp

thecreditcouple.net

Basic Credit Bootcamp

Basic Credit Bootcamp

So what does everyone’s thoughts on trigger leads. My clients with great credit, always gets harassed by other mortgage loan officers who purchase trigger leads. I’m thinking of actually purchasing trigger lead myself given the frequency that my clients get harassed. What are your thoughts?

First President of the United States 🇺🇸 who is not potty trained and most incompetent cheating lying dementia Joe Lying Cheating Biden. Fake President of the United States. Joe Biden makes Jimmy Carter a great President Dementia Joe Cheatin Biden shits in his pants

https://www.facebook.com/reel/1020202732361545?mibextid=9drbnH

facebook.com

💃🏽🔊🕺🏽 🤣😂 | Cdro_seeslies | q_jr_17_ · Original audio

💃🏽🔊🕺🏽 🤣😂. q_jr_17_ · Original audio

Chocolate labrador retrievers are Republicans

https://www.youtube.com/watch?v=CYuH7sR9OGw

When you see market with such high rates – your reaction be like ! yet we can work together and get to finish line !!

Change Thumbnail

• Generating thumbnail…
• Generating thumbnail…

0:07

0:07

When you are not sure – Let experts at Gustan Cho handle it !!