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What are the middle score requirements for usda and conventional, to keep manual underwriting from occurring? What kind of reserves will each require? Without down payment added, how much will closing costs be on a 200k home? Is it possible to get into a home via usda and never pay anything? Do you offer down payment assistance in Kansas? Sorry for the wall of questions.

What does it mean if a mortgage lender does a rapid rescore on your credit report. How does the rapid rescore process work? How long does a rapid rescore take.

What happens if someone is advised to do a voluntary chapter 13 dismissal instead of obtaining courts approval for mortgage while in the underwriting process? Will that automatically disqualify them from getting the loan?

What is delayed financing and how does delayed financing work? What are the disadvantages of delayed financing? What is the 90 day rule for delayed financing. What is the difference between delayed financing versus cash-out refinancing. What are the benefits for delayed financing. What type of mortgage loan program does delayed financing apply to? Does Texas have special rules and guidelines on delayed financing?

What is considered payment shock by mortgage lenders. How do lenders calculate payment shock. What is considered low payment shock. How is low payment shock considered a compensating factor. Can you give a few case scenarios of payment shock.

What constitutes mortgage fraud? How can innocent borrowers and loan officers get in trouble committing mortgage fraud. What are the different forms of mortgage fraud.

Ate you planning on buying a puppy and introducing to your adult dog in your household?

https://www.facebook.com/share/r/VSvuREwFkMsm3TJf/?mibextid=D5vuiz

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38 rb tayangan · 586 tanggapan | Introducing your puppy to your adult dog. #puppytraining #puppytrainer #DogTraining #dogtrainingtips #professionaldogtrainer #dogtraineroftiktok #dogt | Asong Brothers | Asong Brothers · Audio asli

Introducing your puppy to your adult dog. #puppytraining #puppytrainer #DogTraining #dogtrainingtips #professionaldogtrainer #dogtraineroftiktok #dogt. Asong Brothers · Audio asli

What’s the minimum credit score and debt-to-income ratio required to get the best rates on a mortgage loan.

like bank statement loans is differ from Qualified mortgage loan

please help me about this

When Can I Qualify For FHA Loan While I Am In Chapter 13 Bankruptcy?

If yes, how?

WHAT IS THE MINIMUM DOWN PAYMENT FOR A JUMBO MORTGAGE?

Peter Schiff, the economist who predicted the 2008 housing market crash now predicts an 80% to 90% housing crash. Don’t underestimate Peter Schiff. Schiff has been spot on his housing and economic forecast for years. Government should not intervene on the open market. The FED printing money has a disastrous impact on the overall economy. Government control and guarantee railroads the housing and banking system where it disrupts the overall economic development system and the end result is a financial crisis. Homeowners who purchased homes are barely surviving and many cannot afford their housing expenses. Homes are getting reasseessed where property taxes are increasing 50% and more. Homeowners insurance is doubling in many areas. Many people cannot afford the maintenance in their homes where the end result will be a tear down. Bankruptcy and foreclosure numbers are skyrocketing at historic highs. Watch Peter Schiff’s commentary on the state of our economy.

https://youtu.be/QjaFDvJ02OI?si=sPI1S5bqTW367cuB

I’m a veteran interested in using a VA loan to buy my first home, but I’ve heard that the process can be complicated. What should I know about VA loans to get started, and how can I ensure I’m prepared?

Geography of Vietnam. Country of Vietnam. Where is Vietnam. The people of Vietnam. The Economy of Vietnam. How is it to live in Vietnam. Vietnam compared to the United States. What if I want to relocated my family and create a new life in Vietnam. Homes in Vietnam. What kind of job can I can in Vietnam. Investing in real estate in Vietnam. Education in Vietnmam. Workplace, education, making friends, places to visit, types of jobs and types of businesses in Vietnam. Can you please tell me the above topics in great detail? What type of pets can you have in Vietnam. Is raising a monkey common in Vietnam?

Anyone know about French Bulldogs and their traits? Are French Bulldog puppies expensive? I see them advertised for $2,500 and higher? Why are French Bulldogs so expensive? Any health issues? What is the lifespan of French Bulldogs. Do French Bulldogs get along with small children and other dogs? How about cats? Are French Bulldogs good with cats? French Bulldog puppies are extremely cute 😍 💖 💕 💓 ❤️. Look at the attached video clip about a talking French Bulldog.

https://www.facebook.com/share/r/jJRSvKteVoWhg7PQ/?mibextid=NqTh7c

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765K views · 61K reactions | This dog loves to talk 🥹❤️ #shorts #cutedogs #virals #dog | By Unique zoo01Facebook

This dog loves to talk 🥹❤️ #shorts #cutedogs #virals #dog

What Does Residual Income Mean On VA LOANS? How do you calculate residual income? What does residual income tell you. What is the formula for residual income for a mortgage. What does residual income affect?

I want to know how a lender credit from the mortgage lender works. I heard that mortgage lenders can offer a lender credit towards closing costs.

Kamala Harris is paying for supporters. A true scum at its highest level. CMV: Saying Kamala Harris was a “DEI hire” or that she feels “entitled” to the Presidency or that she thinks it’s “her turn” are the same kind of arguments that were used against Hillary Clinton, and they are BS.

https://youtu.be/lILjbTjiZng?si=YhNDRd2dgfbxAfHQ

• This discussion was modified 1 year, 7 months ago by  Gustan Cho.

Nate Holzapel is a scammer and scumbag. Where is Nate Holzapel? How many people did Nate Holzapel scam? What happened to the belt guy Nate Holzapel from the shark tank? Can you explain Nate Holzapel biography? Where was he born? Who were his parents? How many brothers and sisters did he have? Where did he grow up and what schools did he attend? What is Nate Holzapel work history? Who did Nate Holzapel, marry, and had children with? How did Nate Holzapel scam lovelorn women? Why did women find Nate Holzapel attractive?

https://youtu.be/069GnWDAgz4?si=bgolnX7sNVrQxN58

• This discussion was modified 1 year, 7 months ago by  Gustan Cho.

Ever since I remember, Florida was the top favorite preferred state to relocate. Retired Americans moved to Florida to live their final days and die there. Is that still the case?

https://youtu.be/heeyfsnW9_k?si=yp74q9MnZcDZFiGg

I have a client who has been in the United States for 20 years and runs a successful construction company but don’t have a green card. Can we do ITIN loans or what other loan program can this person qualify for. His son can buy it as an investment property. His son has a green card. Can his son buy it as an investment property on a hard money loan? Or how about a DSCR LOAN?

I’m trying to create a business name that reflects my dual role as a real estate agent and mortgage loan officer in California. Since I operate individually and not as part of a team or a broker, I want to make sure the name is compliant with state regulations. Can anyone offer guidance on the legal requirements for selecting a business name in California, especially for someone providing both real estate and mortgage services?

Hello hope you’re well, have question for you. My brother was divorced but the house is in his wife name and his and the payment and deed are in both. He has 3 children will his part go to his kids.

What is the role of a mortgage underwriter at a mortgage lender. What is the main function of a underwriter. What does a mortgage underwriter exactly do. How long does it take the underwriter to clear to close.

How do you write a successful classified ad? What makes a good classified ad? What is a format of classified advertisement. Tips for creating successful classified ads. Does a well written classified ad good for SEO for my brand? What do I include and what do I leave out when writing a successful classified ad. Is there a way where if I create and post a creative well written classified ad if the same ad can be networked to multiple classified ad portals and networks?

Baltimore, Maryland Tiffany Henyard is allegedly the most Corrupt Mayor in America. We need to expose corruption and scammers in public office.

https://youtu.be/AQd7QbRuI4U?si=ueDP5HSJ9nGIFu4D

This forum post is about the life and career of the most corrupt politician in the history of the United States. It is the first of a two part series.

https://youtu.be/rejpzjsVb_0?si=v9uYlYpLhPBcs1P3

Here is what Realtors need to know:

Changing Business Practices

The settlement agreement also mandates two key changes to the way members and MLS participants do business.

NAR agreed to create a new MLS rule prohibiting offers of compensation on the MLS. This means that offers of compensation could not be communicated via an MLS, but they could continue to be an option consumers could pursue off-MLS through negotiation and consultation with real estate professionals.

NAR also agreed to create a new rule requiring MLS participants working with buyers to enter into written agreements with their buyers before the buyer tours a home.

Real estate agents who use and list properties for sale on a Multiple Listing Service (MLS)—a local marketplace used by real estate professionals (both buyer brokers and listing brokers) to share information about inventory in a particular area—will be required to enter into written agreements with buyers before touring a home. Those written agreements must include:

A specific and conspicuous disclosure of the amount or rate of compensation the real estate agent will receive or how this amount will be determined.

Compensation that is objective (e.g., $0, X flat fee, X percent, X hourly rate)—and not open-ended (e.g., cannot be “buyer broker compensation shall be whatever the amount the seller is offering to the buyer”).

A term that prohibits the agent from receiving compensation for brokerage services from any source that exceeds the amount or rate agreed to in the agreement with the buyer; and

A conspicuous statement that broker fees and commissions are fully negotiable and not set by law.

NAR has long encouraged its members to use written agreements with buyers because they help consumers understand exactly what services they have agreed to, the roles and responsibilities, and the amount. For this reason, several states already have laws requiring buyer agreements.

There are also changes to how and where real estate professionals may communicate with each other about offers of compensation. These offers are no longer allowed on Multiple Listing Service (MLS) platforms. Sellers can still offer compensation off an MLS. Sellers can offer buyer concessions on an MLS .

Things to know as a home buyer or seller:

If you are a buyer and your agent is using an MLS, you will need to sign a written agreement with your agent before touring a home so you understand exactly what services will be provided, and for how much.

Written agreements are required for both in-person and live virtual home tours.

You do not need a written agreement if you are just speaking to an agent at an open house or asking them about their services.

Agent compensation for home buyers and sellers continues to be fully negotiable.

When finding an agent to work with, ask questions about their services, compensation and these written agreements.

More details about these changes and what they mean can be found at facts realtor.

• This discussion was modified 1 year, 7 months ago by  Sonny.
• This discussion was modified 1 year, 3 months ago by  Sapna Sharma.
• This discussion was modified 1 year, 3 months ago by  Sapna Sharma.

nar.realtor

NAR Settlement: Get the Facts

Whether you’re a REALTOR®, brokerage leader, MLS executive, homebuyer, or home seller, the resources here provide the facts and latest updates on NAR's settlement agreement related to broker commissions.