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How does a $300,000 student loan balance affect my debt-to-income ratio on either FHA or Conventional loan? My student loans are in deferrment. Can I turn my deferred student loan to an income-based repayment? How does IBR work on FHA and conventional loans. I heard that IBR is no longer available due to IBR getting sued? Is there any merit to IBR no longer being available for the time being? That does not make sense. Can you provide me with detailed information?

It’s a real shame how people and corporations treat the elderly in 2024. These people have worked their entire lives and supported and raised families. If it weren’t for them, we would have nothing. Yet they are being discarded once they have been sucked dry of all their money, even when having a lifetime contract to live in a senior living facility.

https://youtu.be/8XKlIGGTNWY?si=_1IfrU62Cq0cGO4q

California Governor Gavin Newsom vetoes bill that would have given undocumented immigrants access to home loans. Can you please explain the $150,000 Housing Grant Bill to undocumented immigrants in California?

https://www.foxla.com/news/newsom-vetoes-bill-housing-loans-illegal-immigrants

• This discussion was modified 1 year, 6 months ago by  Gustan Cho.

foxla.com

Newsom vetoes controversial bill that would have given housing loans to illegal immigrants

California Gov. Gavin Newsom vetoed a controversial bill that would have given hundreds of thousands of dollars in housing loans to illegal immigrants.

How does the $25,000 down payment homebuyer federal grant work? Kamala Harris has been a hypocrite and has a history of lying. Kamala Harris is very vague on the $25,000 down payment grant for homebuyers. Anyone have specifics. Harris has a reputation of promising a lot of things but never explains it in detail.

What values do you think makes for a healthy relationship?

Why is chocolate bad for my dog or any pet?

Why do dogs bury their bones, food or other items?

Is it unhealthy to eat three eggs a day? if yes, then how many we can eat?

Can I purchase a home under DACA?

What are the different types of loans available for apartment buildings?

I want to know if Buying a Short Sale Home From a Seller with Lender Approval is a good idea. I am getting many different answers from family, real estate investors, homebuyers, co-workers, loan officers, attorneys, and real estate agents who supposedly are familiar or knowledgable buying a short sale home from a homeseller with the mortgage servicer and lender’s approval. Frequently asked questions by homebuyers who want to know the benefits and negatives of buying a short sale home from a mortgage lender. Many homebuyers think if buying a short sale home from a lender is a good idea. Many homebuyers are told by real estate agents buyers can buy it at a huge price reduction while other real estate agents are telling buyers lenders are not discounting the price of the home. Is it true that buying a short sale home takes up to one year to close? What things can go wrong buying a short sale home from a seller with lender approval?

What is PROJECT 2025? It’s all over the news. Is Project 2025, Donald Trump Creation? What does the Republicans have to do with Project 2025? Why are the Democrats and Kamala Harris criticizing Trump for Project 2025. What ate the basis and main points of Project 2025. Trump is denying he has anything to do with Project 2025. Who was the founder of Project 2025.

https://youtu.be/1ru480PIpdE?si=sBgyaTN_6b7EhI01

Chevy Chase vs Bill Burger-King 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔

Correction; Chevy Chase vs Bill Murray 😁 😂 😀 🤣

https://www.facebook.com/share/r/wbt7VNqL2xj5xYBE/?mibextid=D5vuiz

facebook.com

Chevy Chase recalls an altercation he had with Bill Murray at “Saturday Night Live” 🌟 For Acting Resources, click the link in our profile 💻🎭 Online Acting Classes Available! Send us a message with your name, number, and email to get started. #acting #actor #actress #actorslife #film #theatre #actors #cinema #monologues #movies #drama #casting #hollywood #shorts #tiktok #bollywood #instagram #director #tv #taylorswift #filmmaking #trendy #trending #actingtips #actingadvice #acting101 #billmurray #chevychase | Talent Agency Guide | talentagencyguide · Original audio

Chevy Chase recalls an altercation he had with Bill Murray at “Saturday Night Live” 🌟 For Acting Resources, click the link in our profile 💻🎭 Online Acting Classes Available! Send us a message with...

Kamala Harris is the nation’s biggest laughing stock. Kamala Harris is hands down the biggest jackass. Her accent imitation makes her become the dumbest Global idiot, including for the DEMOCRATS. Kamala Harris is such a FAKE. It is also alleged Kamala Harris is a severe alcoholic—more on this rambling idiot Kamala Harris. The incompetent Kamala Harris is a major embarrassment and disgrace. She’s one disgusting, unlikeable, lying, uncreditable, flip-flopping, mentally deranged subhuman blizzard piece of shit.

https://youtu.be/dvjWFuRvZRU?si=GnRDtHAKzkxXhcu1

I would like more specific insights on working with a real estate in my area which is the north side of Chicago. I am interested in selling my house and buying a home in the northwest suburbs with a larger lot and potential to add on. My brothers and I own a construction business and have a lot of experience with doing fix and flips, gut rehab, new construction homes for customers, developers, builders, and ourselves. We have used many real estate agents and sometimes I think they do a good job and is worth the money while other times I think they are completely worthless and I am wasting my 6%. I need a list of questions where I can vett out hard working experienced real estate agents to list my properties and to buy my house. What will the NAR ruling and new law affect using a real estate agent to buy or sell a home?

Hello all,

Last year, I purchased my house with a VA loan, and even though I am happy with it, I have been hearing a lot about the benefits of refinancing. I’m wondering when I’m allowed to refinance my VA loan and if there are certain stipulations that would have to be observed. Also, since buying the house, my financial situation has shifted somewhat, so that makes me curious whether that would also alter some of the options I have. Thanks!

What is the current state of our economy? Has Bidenomics helped our economy like Kamala Harris keeps on saying? Did the United States have a soft landing like Janet Yellen and Jerome Powell said? Democrats are saying we dodged a bullet because of the Biden Administration. The unemployment numbers came in at 4.2%. Are the unemployment numbers real or not accurate? Inflation numbers are at 3% but that number is not correct if you shop for goods and services. Mortgage rates went from 2.5% in 2019 to 7.5%. How did the sudden 400% jump in rates affect the economy? How is the 100% plus increase in home values affecting our economy? How is unemployment numbers at 4.2% is not reflective to actual Americans out of work?

https://youtu.be/bjm9VGuN8NI?si=CfkRTvarcQ1ybkZi

My vantage scores are 699 and 703 but FICO is 645. I lost $1,000 after my landlord refused a reference last year. I also changed jobs for FT in a different industry. I had 2 years at last job and will be one year July for this position. Is there any hope? This is my last opportunity as I am 58. Looking at $40000-$60000 depending on my final pick.

Where is the housing market headed? What are your thoughts? I want to hear everyone’s thoughts about the housing market forecast. Are we headed towards a housing crisis worse than the 2008 financial crisis? Take the following into consideration:

1. Rates went from 2.5% in 2019 to today’s 7.5%.

2. Inflation at historic rates.

3. Housing prices up 50% or more since 2018.

4. Economic numbers are lies. The Biden Administration have lied about economy and economic growth. Joe Biden said our economy is doing great and Inflation is only a 4% and unemployment rate is only 3.2%. BIG FAT LIES AFTER LIES.

5. Kamala Harris, the first woman who slept her way to the White House touts Bidenomics is GREAT 👍 and that it WORKS: BULLSHIT 🐎 🐴 🎠 🏇 HORSESHIT 🫏 🐴 🫏 🐴

How much does your lender make on your loan?

https://youtu.be/tmbbAW0hgXY?si=U9oZjAMcgNwNtb4o

I am an Experienced Mortgage Loan Originator. How Can You Approach a Home Builder and Become The Builder’s Preferred Lender. Why do home builders want to use you as their preferred lender? How do you become a Preferred Lender of a Home Builder? What do home builders want of a preferred lender. The bottom line is How Do You Become a Preferred Lender For a Home Builder? What can I do to get an opportunity to become a preferred lender for a regional or national home builder?

Does anyone know if there Down Payment Assistant programs in the state of California that also cover the real estate agent commission fee? With the recent NAR settlement, I’m wondering if buyers with no cash on hand may have this as an option if the seller will not agree to a buyer agent fee concession. Thanks.

I have seen so many cases where home builders will offer seller or builder’s concession towards closing costs of $10,000 or more only if the homebuyer uses the home builder’s preferred mortgage lender. If the homebuyer uses the buyer’s own mortgage lender and loan officer, the home builder will not offer any seller concession towards closing costs. To up the ante, the home builder also will offer incenstives such as upgrades to homebuyers who use the home builder’s preferred lender. Isn’t this illegal? Isn’t this a case of steering? Why isn’t the CFPB, HUD, and state and federal mortgage regulators jumping in on this. I am sure the preferred lender is giving the home builder a kickback which is an absolute violation of RESPA and mortgage fraud. I archived this article about Home Builders Steering Buyers To Builder’s Preferred Lenders and I suggest you folks read it and save it on your archives. I use it for reference.

https://gcamortgage.com/preferred-lenders-steered-by-builders/

gcamortgage.com

Should I Use Preferred Lenders Steered By Builders

Homebuyers who go with preferred lenders steered by builders get incentives such as builder upgrades, closing cost credits, and upgrades

Has anyone here ever purchased a condo with a land lease that was set to expire within 10-15 years? If so, were you able to use a lender for financing, and if yes, what type of loan did you get? I’m curious to hear about any experiences or challenges with securing financing in this situation. Thanks!

My credit score is over 620 and I meet the mortgage lending requirements lenders ask. But then say I cannot be approved. My foreign earned income falls on the W2 line, and a previous underwriter said it needed to be amended – what can I do?

We live in NC and filed a Chapter 7 bankruptcy on our personal side and a Chapter 11 Bankruptcy on the business side after COVID closed our business. Both my husband and I had upper 700’s for credit before before filing Chapter 7 and Chapter 11 Bankruptcy. Bankruptcy was confirmed in Feb ’21 and final decree was just issued on 11/12/21. We have a home mortgage and HELOC as well as our SBA loan debt repayment that we’d like to roll into one mortgage with a refi. The SBA loan repayment will be repaid by end of 2022 but there is no penalty to repay early if we could refinance. Are we just out of luck with a refi and have to wait 2 years or is there any option to do a refinance now with a decent rate?

We don’t *have* to do FHA. Just hearing that they are the most forgiving re DTI. We can come up with a 20% DP if that would make a conventional work. Not sure what direction to go.

If I am a co-signer on an auto loan, is the debt calculated on my DTI? How does DTI work with Cosigner? Does cosigning a loan count as debt? Does co-signing a car affect debt-to-income ratio? Does cosigning an auto loan affect your credit?

If I can remove bankruptcy from credit report, will I qualify for mortgage? If my front end DTI is over 47% but my back end dti is under 50% will I qualify for FHA? Can you get a mortgage with a DTI of 47%? Can I get an FHA loan if I had a bankruptcy?

What is the maximum DTI for FHA front end? What are the rules for paying off debt to qualify for FHA loan? Can you pay down debt to qualify for a conventional loan? Can I get a mortgage after paying off debt?

• This discussion was modified 1 year, 6 months ago by  Sapna Sharma.

If my middle score is 600-610…can I get an FHA, or USDA mortgage? Can I get a USDA loan with a 600 credit score?

Can I get an FHA loan with a 600 credit score? How big of a loan can I get with a 600 credit score? What is the lowest credit score FHA will accept?

• This discussion was modified 1 year, 6 months ago by  Sapna Sharma.