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I am going through a divorce, and the last piece is buying my spouse out of the home. I have lived off-site since we started the process. I was about to close a loan to pay off my spouse, but the loan stalled as the lender stated I had to have lived there for at least 12 months. The home is paid for, so I would functionally take out a first mortgage. I have been unable to find anything other than I must occupy the home within 60 days of closing. Does this sound like lime? Lender rule, or am I missing something? The FHA guidelines?

CNBC Jim Cramer and Crooked Media announced the economy is going strong and job opportunities are strong and little unemployment therefore interest rates should go higher. What are they thinking?

• This discussion was modified 1 year, 5 months ago by  Sapna Sharma.

What are the latest Google algorithm changes and how will it affect website organic traffic?

Hi, I know that 740 FICO is the minimum requirement for Up to $120K credit card based on the lending network website.
Should I increase my credit first or is there a different program for me?

Thank you

Listen to this overly obese Rhino blasting President Donald Trump and lying like a rug. I think Orca is fuller with grease and lard more than Illinois JB Prtitzer. I used to like this Fatso from New Jersey.

🤯🤣

https://youtu.be/IiwwZq1CNpE?si=VCHRp4aINDrfP_C6

Do we have a source for floor plans for auto dealers?

To clarify our previous discussion. Late PAYMENTS within the last 6 or 12 months isn’t a blanket guide in which we grant without valid reasoning behind the lates. In addition to other things that may paint a proper picture away from financial management, usually via the credit report.

example.

If the applicant clearly has been making effort to keep a clean nose for the prior year(s) leading up to the lates. But fell off the wagon in recent times with one or two lates (simultaneous or sequential). A proper LOX or even owning the mistake as they do happen, has a good chance of being sympathetic to this situation due to historical evidence that’s contrary to financial mismanagement.

If said applicant has a history of multiple lates leading up to recent lates that just so happen to lapse into 12-month guidelines. Highly likely, 12 months of clean credit history is going to be required. Financial mismanagement is established with past history which connects dots far too easily.

At any rate, we will certainly do all that’s possible and within reason to have a deal succeed. Otherwise, we have no business doing 500 fico manuals

@Gustan

@marga ench Bulldogs are known for having a high likelihood of requiring a Caesarean section (C-section) for the delivery of their puppies. This is due to their unique physical characteristics, including their brachycephalic (short-nosed) skulls and small pelvises, which can make natural birthing difficult or dangerous for both the mother and puppies.

The combination of a large head in the puppies and a narrow birth canal in the mother often leads to complications during labor, such as dystocia (difficulty in giving birth), which can result in the need for an emergency C-section. In fact, a significant percentage of French Bulldog litters are delivered via C-section to ensure the safety of both the mother and her puppies.

It’s essential for French Bulldog owners and breeders to be aware of this and consult with a veterinarian experienced in brachycephalic breeds to plan for a safe and successful pregnancy and delivery. Regular veterinary check-ups, proper prenatal care, and close monitoring during labor are crucial to minimize risks and ensure the health of the mother and her puppies.

Look at this video clip of an Angel

https://youtube.com/shorts/vHs1G6jfqPM?si=3U78Ks72-vEa_6bt

This is for my son who is married to a gay man. They live in California together and been married 4 years in gay church. Antonio is a Navy Veteran and wants to buy a house with a VA LOAN. He told me that he needs a cosigner on his VA loan and wanted me to cosign for him. But the loan officer said VA loans does not allow cosigner except husband or wife. He told the loan officer that his husband will be cosigner. The Loan officer said gay people married people don’t count. Is this true?

What are the lending options for homebuyers on community property states.

Thousands of Loan Officers and Real Estate agents are leaving the Mortgage and housing industries. Every professional in the housing industry is going through a hard time including Loan Officers, Realtors, Auto Salesman, Attorneys, Appraisers, Home Inspectors, and third party professionals. Banks, credit unions, and other creditors are not extending credit to commissioned mortgage and real estate professionals due to volatile mortgage markets. The 10 year treasuries keep on skyrocketing without any signs of correction. Mortgage Rates on government loans are 7.5% for 730 credit score borrowers and conventional loans have Rates over 8% for 700 plus credit score borrowers. With surging inflation and out of control mortgage rates many homebuyers are priced out of the housing market. Thousands of Loan Officers and Realtors including owners of mortgage companies and real estate brokers are leaving the business or closing their doors. What business is the best business to get into if you were to leave the mortgage industry or real estate industry for those who have been in the industry for years or decades?

I have 642, 646 and 701 FICO scores with discharged BK from 3/06. What kind of auto loan or mortgage rate can I qualify for?

I was talking to my prospective lender today about the letter I received from Countrywide, wherein I informed her that the lates were corrected and showing current; then she asked for a copy of the payment transaction history.

Well, lo and behold, the transaction history is not updated and it shows that the payments were late and for the loan (Rapid Refi- 18 months on-time payments), this creates an issue because they do refer to the transaction history. Countrywide did update the credit bureaus, but not its own records.

Will it stop me from getting the loan? I have the letters from them stating the correction and I also have the corrected credit reports.

I have 90 date late on one of my student loans. I will have this loan paid in full in the next few months. Once the loan is paid in full, will the lates be removed from my CR? I applied for a CC and in the letter explaining why I was denied it said a 90 day late on an account with a balance greater than $200 so that is why I am asking if paying it all off makes a difference or not.

Anyone had success getting a personal loan to pay off and consolidate bills? Scores 521, 550, 578. I have 11 years of credit with several autos pif. Derog over 3 years ago, but nothing since.

What is affiliate marketing and how do you get started? Can you make good money with affiliate marketing? What are the step by step process in getting started and becoming successful with affiliate marketing?

What is a podcast? How can you start a podcast and make money? How do you monetize with YOUTUBE.COM and other social media channels. How do podcasters make tons of money? Can anyone start a podcast? What are successful types of podcasts to monetize asap

How do you monetize from YouTube? How do I make money making YouTube videos? What category should I focus on to monetize on YouTube.

Breaking News from Fannie Mae and Freddie Mac. Effective immediately homebuyers can purchase 2 to 4 unit multi family homes with 5% down payment. Before today’s Breaking News owner occupant primary multiunit homebuyers needed 15% down payment. Private mortgage insurance is required and we don’t yet know what the PMI factor is as of today. Just wanted to share this Breaking News with our forum viewers .

• This discussion was modified 1 year, 5 months ago by  Sapna Sharma.

What do you guys think about opening a bride broker business where I can broker women from the Philippines to successful American men looking for a loyal woman for marriage. I was thinking about being a Bride Broker for American men broker Filipinas? My friend Alex Carlucci and I were thinking about the idea. I can name is Alex Carlucci’s Bride Broker-Phillipines: Love Guaranteed or Your Money Back.

Which type of investment is best for cash flow. Single family home or multi family home. Or apartment buildings?

Florida has three different types of down payment assistance program for homebuyers including the HERO DPA home purchase program. Like to thank Don Howell for coordinating Gustan Cho Associates dba of NEXA Mortgage to be able to offer down payment assistance to Florida homebuyers.

• This discussion was modified 2 days, 17 hours ago by  Sapna Sharma.

I was on a call, not sure which one where Don Howell was talking about assignments. Commented, stating some lenders allow assignments, and buyers can close a loan with assignments. Did I hear it right? Like years ago, before Obama, my husband was flipping.

He helped a friend out, and we did some work. The buyer did a conventional loan. I did not do the loan. We did back-to-back closings,

Assignments have really gone crazy here. So, the state made some new rules because of it.

I personally think one was getting taken advantage of.

So I am asking that the form you provided us from Utah is awesome.

Can one do an assignment on a standard conventional loan? If so, I figured it would be just a few investors. How do I find them?

I am seeing opportunities with our new products. Where I may get a chance to get a foot in the door. My old-school investors, are now running investment groups and doing classes and things with them. A few of them are on a national level.

I will talk to you later about that and a few other things.

I am terrible at email.

• This discussion was modified 2 days, 17 hours ago by  Sapna Sharma.

Absolutely 💯. I am a strong believer of positive criticism and not compliments. That’s how you learn and get better. A lot of people can’t take criticisms. With compliments most people take it to a new arrogance level. However, compliments are well served for people who deserve compliments. Kevin DeLory and Eddy G Perez Jr. Deserve respect and compliments for setting the foundation of EPM. There’s a reason why a mortgage company produces great employees like Christian Sorenson. It’s folks like Christian Sorenson that make a great company. It’s due to a strong foundation. Great leadership makes a great company and differentiates from the mediocre competition. Competition never sleeps. Thanks for everything you do Mr. Perez and Mr. DeLory. Giving us loan officers the opportunity to do tough loans gives the dream of homeownership become a reality for hard working Americans. You guys are the true silent heroes who are appreciated and not taken for granted. Love all your inspirational videos, sir. Don’t stop being you. Never try to miss Mr. DeLory’s videos no matter how hectic my day is.

If I work for another Mortgage Company besides Gustan Cho Associates at NEXA Mortgage can I do commercial loans at Lending Network LLC? What are the benefits of Lending Network and Gustan Cho Associates versus working just at Lending Network LLC?

Money is not wealth. Money comes and goes. However, you need to realize how many millionaires lost everything they have and had to restart over. Wealth is relationships. You cannot take that away. However you need two people who are committed to make the relationship work.

If the FHA Title I loan is under $7,500, the title I loan is considered an unsecured personal renovation loan. However, any Title I loans greater that $7,500 up to $25,000 is considered a second mortgage and the lien is placed on the house behind the first mortgage.

Mortgage brokers who are looking for doing business in Puerto Rico and thinking of getting licensed may have a hard time finding wholesale residential mortgage lenders who are able to originate and fund loans in Puerto Rico. If you are a mortgage broker looking for a five-star wholesale mortgage investor who is licensed to do government and conventional loans in Puerto Rico, contact Christian Sorenson of Equity Prime Mortgage, commonly known as EPM Mortgage. EPM is the wholesale lender of choice at Gustan Cho Associates. Over 80% of our borrowers are folks who could not qualify at other lenders and the first choice we take our borrowers to is to Equity Prime Mortgage. Christian Sorenson is our top account executive not just at EPM Mortgage but the best wholesale account executive who the team at GCA Mortgage Group worked with. He is always available, is knowledgeable, and always goes above and beyond than any other wholesale account representative anyone at Team GCA Mortgage ever worked with. Give Christian Sorenson a shout. You will not be disappointed.

Here is a link to a comprehensive guide about buying a house in Puerto Rico published on FHA Bad Credit Lenders, a subsidiary of GCA Mortgage Group and Gustan Cho Associates:

https://fhabadcreditlenders.com/buying-a-house-in-puerto-rico/

fhabadcreditlenders.com

Guide To Buying a House in Puerto Rico

Compared to many other U.S. states, home prices and property taxes in Puerto Rico is low making buying a house in Puerto Rico more affordable.

I am interested in commercial loans. What does Factoring work and how do I learn about Factoring?