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Michael Robinson Obama’s gynecologist is extremely confused

Which is better, a 2,000 SIP per month for 5 years or a 120,000 lump sum?

Can anyone pass the class and the test? I heard it is harder than the real estate agent’s test.

I am 38 years old now and I want to have 1 core when I turn 50 years old. What kind of investment should I start to get that amount?

We do not see a real credit score minimum published anywhere. However, most lenders are not accepting low credit scores for a USDA loan. What is the truth here? What is the lowest score possible for an FHA loan?

My employer sent me a legal notice through an advocate for not serving the notice period, where I served 30 days instead of 45 days. They asked me to pay 40K as compensation and 20K for legal notice. What should I do?

Please make sure all LOs have this

How to find active builders and spec builders.

one way is to

go to realtor.com, choose a large city

go to filters, click home, age no min, and less than one year. This should list the new construction homes.

get the addresses, the agent usually doesn’t want you speaking with their client, however, call the agent anyway and let them know that you can help their builder to build more homes, and sometimes they will introduce you. if not, then

do a Google search for parcel search using the city, county and state

. Usually, they have a gis map, and you can use it to locate the owner and the owner’s address, where you can further search and get a cell phone.

realtor.com is a great source to see who is building where and at what price.

• This discussion was modified 1 year, 9 months ago by  Gustan Cho. Reason: Wrong information

realtor.com

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Producing loan officers and real estate agents interested in originating commercial loans and business loans. Please email me at gcho@gustancho.com. We are a one stop mortgage shop. Visit us at http://www.lendingnetwork.org.

If you are a builder of one to four unit homes, we can get you a 25% down payment on the land and up to 100% on the construction costs at competitive rates and fast closing. No credit score required, no maximum debt to income ratio, and no income verification. Please inquire if you are interested in getting new construction financing on spec homes

Car enthusiasts garage fans, if I were a betting man, I would say the best car for the money that you can enjoy is a piece of art if it sits in your garage. Yet, Car Enthusiasts Gargage Fans get a second bonus when other cars decline in value, the Ferrari 599 GTB will skyrocket in value is the Ferrari 599GTB. MADE between 2007 and 2011. $370,000 MSRP. If you can pick. one up at $150,000, great investment.

Need to purchase a 30×50 feet steel building. I want a nice design steel building that looks like a house with gables and awnings with several windows. The main reason for the steel building is to store a 43 feet RV, trucks, motorcycle, boat, and other machinery, equipment, and things that need to be kept inside. I will be pricing out the concrete slab and the pricing of steel building and start pricing them out.

Creating your own garden can be a rewarding and enjoyable experience. Here’s a step-by-step guide to help you get started:

Step 1: Choose the Location

• Select a suitable area for your garden. Look for a spot that receives sufficient sunlight, ideally 6-8 hours per day, and has good drainage.

Step 2: Decide on the Garden Type

• Determine the type of garden you want to create: vegetable garden, flower garden, herb garden, or a mix of all three. Your choice will influence the layout and plant selection.

Step 3: Plan the Layout

• Draw a rough sketch of your garden on paper, indicating where you want to place different plants, paths, and features. Consider the mature size of plants when spacing them out.

Step 4: Prepare the Soil

• Test the soil to understand its pH level and nutrient content. Amend the soil if necessary by adding compost, organic matter, or other soil conditioners. Dig the soil to a depth of about 12 inches to loosen it up.

Step 5: Install Hardscape Elements (Optional)

• If you want to include hardscape elements like pathways, garden beds, trellises, or seating areas, now is the time to install them.

Step 6: Select Plants

• Choose plants that are suitable for your climate, soil type, and the amount of sunlight your garden receives. Consider factors like plant height, color, and blooming periods for an aesthetically pleasing arrangement.

Step 7: Planting

• Follow the planting instructions for each plant. Dig holes according to the size of the root ball, and place the plants gently in the ground. Water them well after planting.

Step 8: Mulch

• Apply a layer of mulch around your plants to retain moisture, suppress weeds, and improve soil health.

Step 9: Watering

• Set up a regular watering schedule based on the needs of your plants. Be mindful of not overwatering or underwatering.

Step 10: Maintenance

• Regularly weed your garden to prevent unwanted plants from taking over. Prune and deadhead plants as needed. Fertilize your plants as per their requirements.

Step 11: Pest and Disease Management

• Keep an eye out for pests and diseases. If you notice any issues, try to use organic or environmentally-friendly methods to address them.

Step 12: Enjoy Your Garden

• Take time to relax and appreciate the beauty of your garden. Gardening is a continuous learning experience, so don’t be afraid to experiment and make adjustments as you go.

Remember, gardening is a labor of love, and it may take time for your garden to fully flourish. Be patient, observe your plants, and adjust your care routine as needed. Happy gardening!

https://www.youtube.com/watch?v=B0DrWAUsNSc

Did you know, we can count rental income from an ADU on a DSCR Loan and allow for multiple ADU’s.

Gustan Cho Associates has merged with Lending Network, LLC for our newly launched commercial loans and business loans. Gustan Cho is the president and CEO of Lending Network, LLC

We will be releasing more information on our commercial lending network at GCA Mortgage Group about https://www.lendingnetwork.org. Stay tuned.

• This discussion was modified 6 months, 3 weeks ago by  Gustan Cho.
• This discussion was modified 6 months, 3 weeks ago by  Gustan Cho.
• This discussion was modified 2 months, 1 week ago by  Sapna Sharma.
• This discussion was modified 1 month, 4 weeks ago by  Sapna Sharma.

The only down payment assistance program you can do in Washington state is HomeChoice.

Washington is one of nine community property state.

I am with Amnet Digital, a Data analytics and AI solutions firm that specializes in AI and Analytics.

The purpose of posting my request here in this forum is to explore possible opportunities in the areas of Product Development, AI/ML, Data Analytics, Cloud Enablement, QA/Testing, etc.

Please let me know if I could set up a short discussion for you to understand our services and capabilities in detail.

Feel free to drop me an email at amit.roy@amnetdigital.com whenever you foresee such a requirement shortly, we would be happy to support you. Please find the attachment below for your reference.

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Missed by one question the Utah PLM exam. Going to set up a appointment for next available time at Pearson Vue.

Here is another question I do not understand

Edna is purchasing a four-unit investment property and is getting an ARM; the terms of the loan will be 3/6mo ARM with 1/1/5 CAP with a start interest rate of 4.25% and a margin of 2.25%. At the first adjustment, the index is 2.50%, at the second adjustment the index is 3.25%, and at the third, the index is 4.125%. What will the interest rate be at 18 months after the initial interest rate adjustment?

Builder and Developers can get hard money loans. Land acquisition and construction loan. 25% down payment and up to 100% construction. No credit scores, no debt to income ratio, no income. No DSCR, NO RED TAPE. FAST CLOSINGS. For one to four units residential non-occupant projects.

Well, there is a first time for everything… And today, our Great Dane backed into the pool to escape our outdoor cat… Had to guide her out, think we were both equally scared… Lol

If you are tired of saying no to your clients because of a lack of programs, getting ghosted by clients because of high retail rates, or getting paid less than 275bps, then we should talk.

NEXA/AXEN Mortgage has opportunities for self-sourcing LOs and branches…

Become the low-rate leader in your market with higher comp, 220+ lenders, and live Loanofficer support…

Check out our rates here https://loanofficersupport.com/r/John1792

OR and me a message, and let’s set up a time to talk about your situation.

Bruno, MissyMu, and Gunner going to feed fish in pond. Feeding fish time. The pond did not have any fish after the big freeze in 2019 after the pond did not thaw until late May. All the fish we had died. I bought about 500 feeder Gold fish and the blue Gills reproduced from the birds dropping Blue Gill eggs. The blue Gills multipled thousands of them. Look at when we feed fish flakes. The pond looks like its hot water boiling. You can not see too many feeder goldfish but the ones you do have tripled in size. The little baby blue Gills know when it’s feeding time. Fish are smart creatures. When the pond was stocked we had a a large big mouth bass named Gilligan. Gilligan let us pet him and hand feed him. The coolest fish 🐟 who knew feeding time. Was like a dog. Liked to be hand fed. Ate hot dogs, bread, by hand. Food Gilligan didn’t like, he spit out. Gilligan died during the artic freeze when the pond did not melt until May that one year. We have lots of wildlife in this half acre pond. Bull frogs, ducks, cranes, and snapper turtles. Those snappers can be dangerous. I used to go swimming 🏊‍♀️ in the pond until I stepped on a snapper turtles 🐢. Then I stopped. Always careful dogs don’t get too close to pond due to snapper turtles. Sometimes I invite hillbillies down the street to catch snapper turtles for Thanksgiving and the love it. The hillbillies love snappers. Its a delicacy for them. I watched Bizzare Foods with that bald heavy set guy that eats everything from cockaroches to squirrels and saw him skin a snapper turtles 🐢 and eat it like a steak. Some people eat racoons, skunks, deers,wild turkeys, goats, cranes, parrots, and pigeons too. Not for me. No zoo animals. Cannot eat live animals I see. Only packaged frozen foods from the grocery stores only.

Commercial lending is such a broad field. Most commercial lenders are specialists on certain types of commercial loans. For example, some loan officers only specialize in SBA loans. Other commercial loan officers only do hard money loans. Yet, other commercial loan officers only limit to factoring or accounts receivables. One of the main benefit http://www.lendingnetwork.org differs from the competition is that lending network is a one-stop-commercial lending shop.

lendingnetwork.org

Home - Lending Network, LLC

gcho@lendingnetwork.org dianne@lendingnetwork.org

Yvonne Schitnzel offers FHA LOANS with 600 FICO. MAX DTI 46.9/56.9 HOUSING COURSE REQUIRED, 2% OVER FIRST NOTE RATE AMORTIZED OVER 10 YEARS.

How do 401k Loans Effect a Mortgage Application? Can someone get a mortgage if they have a 401k loan and does it count against them?

Here is a blog written by Mehgan Bahm about buying a foreclosed home.

https://gcaforums.com/buying-a-foreclosed-home/

Many people like to purchase homes with acreage so they are not close to neighbors. Some homeowners have over 20 acres and are having difficulty getting financing on first or second-mortgage loans. Working on a case now where my client has a home on 81 acres, and there is not a single non-QM wholesale lender that will touch this property due to the large acreage the home sits on. The Veterans Affairs Administration will allow VA loans on large acreage if the property is not a working farm. In this thread, I like to go over financing a home that sits on acreage, what a working farm is, what the definition of a hobby farm is, and the loan options homeowners who want to buy or refinance on a home with acreage have. Luckily, I have a super cool client who is working with me on getting these obstacles answered. I have not yet encountered a single wholesale lender who will finance a first or second mortgage on homes larger than 10 acres.

You need to first complete the 20 hour NMLS pre-licensing course from a NMLS approved course provider. We recommend you contact Angie Crippen from Oncourse Learning. The link is listed on http://www.gustancho.com on the home page on the the box that says MLO SCHOOL. You then have to pass the National NMLS 125 question exam and get a 75%. You then apply for a license in the state of your choice. Once you get licensed, you are read tobget sponsored and hired by a mortgage company.

Should You Cancel Credit Cards Before Applying for a Mortgage?  Is this a good idea? OR, is it better to just pay them down?

Gunner is a very smart dog. He’s been humanlike since I got him. When he was a baby, he gets off the bed and goes to the hardwood floor and lays there spread eagle since it is cooler there. Now, he squeezes next to my side of the bed to get face first in my fan I have next to my pillow. Here’s a picture and a small video clip

🤣