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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?
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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?
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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
facebook.com
This dog loves to talk 🥹❤️ #shorts #cutedogs #virals #dog
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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?
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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.
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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
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This discussion was modified 1 year, 9 months ago by
Gustan Cho.
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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
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This discussion was modified 1 year, 9 months ago by Gustan Cho.
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This discussion was modified 1 year, 9 months ago by
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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?
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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?
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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?
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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.
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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.
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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?
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Baltimore, Maryland Tiffany Henyard is allegedly the most Corrupt Mayor in America. We need to expose corruption and scammers in public office.
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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.
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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.
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This discussion was modified 1 year, 9 months ago by
Sonny.
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This discussion was modified 1 year, 4 months ago by
Sapna Sharma.
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This discussion was modified 1 year, 4 months ago by Sapna Sharma.
nar.realtor
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.
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This discussion was modified 1 year, 9 months ago by
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Please help me
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What should I look for when shopping for a website development, seo, and maintenance company. I am looking for a all-in-one one-stop website development company to start a website, get CRM, create and launch social media platforms, and have the web development and maintenance company maintain and go full power with SEO. I like to get a high domain rating website with high daily unique visitors with my ultimate goal is converting the organic traffic to leads, and the leads to deals.
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Aside from finding a good pizzeria when you relocate, there are more important things to search out. Bank, church, post office, and lawn service are just a few. I have been fortunate to be 70 years old and have a full head of hair, but for some reason it continues to grow. I never went for hair stylists; I prefer the old-time barbers. My father always took me to a barber as a kid. Searching for a barber is not that easy; it is a forgotten art.
Twenty years ago, before moving to Florida, I went back home to New York City. My barber was a guy named Isaac, a Russian Jew. He set up shop on 7th Avenue in the Chelsea section of Manhattan. He was the first barber to cut my hair in NYC. He was so good that one day, while getting a shave, I glanced over at the next customer, and it was Anderson Cooper. Isaac was the barber for the Manhattan elite. I was lucky.
What are the chances of finding a barber of that quality in Ocala, Florida? Luck struck twice, for low and behold, right next to #1 Pizza was a barber, King Cutz. I decided to try my luck after having a slice, with a guy named O’Nell. As I entered the shop, it was crowded. It was the Friday before school started in Florida. August 12 was, I thought, early; it seems school starts earlier each year. When I was in grade school, we started after Labor Day. Why would you have children start school in early August in Florida? It is so hot! The air conditioners have to work harder to keep class rooms cooler. Anyway, a dozen kids were ahead of me, all Spanish and black; razor cuts are a big style for kids, not me, who likes scissors. I didn’t feel out of place, but I was concerned about being older and liking traditional hair cuts.
O’Nell had been a teacher in a hair salon in Puerto Rico. He spent 30 minutes on a six-year-old’s hair. He meticulously clipped each and every hair on this buzz cut, and I was impressed. I was next; he cut my hair, trimmed my beard, and not a hair was out of place. In the morning, I had no cow lick, which usually occurs after my hair is cut. I found my barber and my pizza!
Most New Yorkers agree that the best Chinese food is in Chinatown in lower Manhattan. I could never remember the names of the restaurants; I went by numbers: 17 Pell Street, 37 Mott Street. In the same strip mall, there was a Chinese restaurant! I have not tried it as yet; there is too much pizza to digest. What are the odds of it being as good as a New York restaurant?
My saga continues for new places in Ocala, especially to eat.
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Can you tell me what is a HARP mortgage loan? How Did HARP LOAN WORK? HARP Replacement Program. Is the government HARP Mortgage Program Real? Is the HARP Mortgage Loan Still Available?
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What is an APR? What is the difference between regular interest rate versus APR? How do you calculate APR on my mortgage interest rate? Is there a formula to calculate APR? Can we go over case scenarios calculating APRs?
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Ever considered becoming your own boss by opening your own company. Turn key full service business, commercial, and residential funding business. We will train you about how to open your own commercial loan brokerage business after you go through our training program. Unlimited opportunity. Contact Danny Vesokie at Affiliated Financial Partners at 916-402-2506. Text Danny Vesokie for a Faster Response. Affiliated Financial Partners is a preferred commercial loan officer school of Lending Network and Gustan Cho Associates. Affiliated Financial Partners LLC-Wholly Owned Subsidiary of Danny Vesokie Institute of Finance, headquartered in Sacramento, California.
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This discussion was modified 1 year, 9 months ago by Danny Vesokie | Affiliated Financial Partners.
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This discussion was modified 1 year, 9 months ago by
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Stayed tuned, people. We create, design, and develop a one-stop lending shop mortgage loan officer website. This one-in-all marketing-support-operations-business-development mega website is for select loan officers who want to be in the top 20% of the nation and belong to a team of winners. Many talented goal-oriented folks want to become top-producing loan officers but do not have the guidance, training, tools, and direction to lead them there. After a decade of research and development, making thousands of fixes, and making thousands of hours of mistakes, my team and I have mastered a mega one-stop lending shop. Training a loan officer is one of the most difficult tasks there is. There is no sure proof training program in the market place. The best way to learn to become a successful loan officer is by getting trained by a mentor. Training a loan officer is like training an attorney. Say a young lawyer graduates from an IVY LEAGUE LAW SCHOOL like Harvard, Yale, Princeton, or Stanford Law School. The young, newly law school graduate masters the Bar Exam and is now licensed to practice. What NOW? How is he or she going to represent clients in court, let along simple parking tickets or simply real estate closings? Same with loan officers. You will be clueless and lost. So the best way to train a young recruit loan officer is to take a few steps backward to go forwards. A newly licensed loan officer should not even do a single loan until they have processed three to six loans themselves under the supervision of a loan processor. The loan officer will never become a master mortgage processor and I do not recommend they be one if they want to originate loans, but loan officers will be working very closely with mortgage processors on every single loan. To this day, most loan officers are clueless on how mortgage processing works and often bitch and degrade mortgage processors if shit does not go your way. Master processing, at least how it work, before you proceed to originating. In the system we will have on http://www.viralwebsitedevelopers.com, we will have a detailed training section on processing and how mortgage processing works. Once you have the basics on how mortgage processing works, the next step is to learn origination. So one of the frequently asked questions is do I need to memorize all the mortgage guidelines before proceeding. The answer is NO. There is no way you will learn and know all of the FHA, VA, USDA, FANNIE, FREDDIE, and NON-QM mortgage guidelines. Learning the guidelines is not enough. Every lender has their own lender overlays. Lender overlays are additional mortgage guidelines above and beyond the minimum guidelines of HUD, VA, USDA, FANNIE MAE, and FREDDIE MAC. However, every loan officer should know the basic agency guidelines on government and conventional loans. Everything you need to know, you can find it on http://www.gustancho.com. AGAIN, loan officers should get familiar with the basic guideline but no need to memorize it. You will go back to it often. Again, all the guidelines will be on the master website from Viral Website Developers. Remember, our mission at Viral Website Developers is to create a one-stop mortgage lending online shop with your very one virtual digital media website. So, the next step for brand new loan officers are loan officers transferring to Gustan Cho Associates on a branch level or an independent loan officer sponsored by a member of the Gustan Cho Associates family is getting leads. Again, your newly assigned one-stop shop lending virtual mega loan origination website will have an organic lead generation system which will grow and add more value as it seasons with age and content. I will continue this part at the next time I am able to continue.
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This discussion was modified 2 years, 10 months ago by Sapna Sharma.
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This discussion was modified 2 years, 10 months ago by Gustan Cho. Reason: Updates
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This discussion was modified 2 years, 10 months ago by
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Being a New Yorker by birth and having lived there for nearly 35 years, my love for pizza has followed me to the West Coast and the Gulf Coast. I would always seek out pizza. I have, in the past, encountered many pizzerias calling themselves New York Pizza, Best New York Pizza, or New York Style Pizza. I would always avoid them like the plague, knowing they were the furthest thing from the original. I had a television show in Lake Tahoe called “Simply Food and Wine.” I would approach the owners of restaurants and ask if I could do a twenty-minute short on their restaurant. I would feature a signature dish and pair it with wine. There was a “New York Pizza” at the Lake. The owner called me several times for a twenty-minute short; he thought that with my New York accent, it would help sell more pizza. Bear in mind that I made money on each restaurant. I finally broke down and stopped by for a slice; it looked like a New York pizza and tasted like cardboard. I refused to sign him.
One should never believe New York Pizza; however, my wife and I recently moved to Ocala, Florida. Our house is a bit off the main road; we are rural with a twenty-minute ride to civilization, if a Dollar General is civilization. Low and behold, a little strip mall nearest our house featured a #1 New York Pizza. I thought, here we go again and I had to try some since the kitchen wasn’t quite set up for cooking. I have traveled to Italy many times and was spoiled by the pizza; it was amazing. New York had John’s, Pizza, and Lombardi’s, the first pizzeria in America, along with Ray’s, Famous Ray’s, and Original Ray’s. There were pizza wars in New York during the 1980s.
Suddenly, I stumbled on a gem of a pizzeria. During our first week in our new house I ordered pizza three times, and stopped in twice, they also featured Sicilian Pizza a square deep dish pizza. The owner, Orlando, lived in Queens and was New York-trained. The Best, Number One , New York Style Pizza I found right outside my front door, go figure?
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What is the difference between a hard pull and soft pull during the mortgage loan process. I heard the hard credit pull drops the credit scores of the mortgage loan borrower. So if the borrower keeps shopping for mortgage rates with different lenders, the borrowers credit scores can plummet?
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California homeless problems is getting out of control that it’s attracting global attention. California Politicians have long ignored the serious homeless problems. Many outsiders consider California’s homeless crisis as inhumane and borderline criminal on Politicians especially the Governor of California. Central and Southern California have mild weather where homelessness is a year around crisis. California homeless people have no access to shelter, water, fresh clothing, healthcare, and poor sanitation. Homelessness takes 25 years from a person’s life. Governor Gavin Newsom visited homeless areas in San Francisco and said that the area looks like a third would country. Why is Gavin Newsom all of a sudden showing concern after decades of homelessness throughout the state of California? You got it. The 2024 Election and making California loo better.
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It’s about time to expose human traffickers and pedophiles at all levels. The mainstream media, politicians, Hollywood Elites, far left liberals, and Globalists cannot cover it up anymore. Pedophilia is becoming an epidemic on a global scale and if the good guys continue to be quiet and not speak up, they are no different than the evil worshippers of Satan. Hollywood Superstar Mel Gibson is speaking out about Oprah Winfrey who has a history of harvesting trafficking of children and Pedophilia. Watch this YouTube video clip about Mel Gibson speaking out on Oprah Winfrey. Just unfreaking believable.
https://www.facebook.com/share/v/KQodZAkzHQcVpMis/?mibextid=NqTh7c
facebook.com
HOLLYWOOD IS DONE!! OPRAH IS PISSED!! Mel Gibson Exposes Oprah's SECRETS That Nobody Knew About
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What type of down payment assistance mortgage programs are available for first-time homebuyers in Illinois with 600 credit scores.
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What are credit inquiries and how does it work? Are credit inquiries bad for your credit profile? Why do lenders frown on credit inquiries? Can you get credit inquiries removed from your credit report? How long do credit inquiries stay on your credit report.
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So if you want to buy a house in Florida, you better research additional costs aside from mortgages, insurance, and taxes. The HOA, the dreaded Home Owners Association, or modern-day Nazis. When we researched homes in Florida, we soon realized the HOA was a big expense., sometimes $350 per month, which can cost more each year. You have no control over this. Okay, they give you a pool and some lawn service. Our last HOA had $375,000 in their account. Where does that money go? When we asked about fixing the sidewalks, their response was that this was the city’s concern. When we got in touch with the city, they said it was the HOA’s responsibility. The oak trees had grown over twenty years, displacing the sidewalks with huge root growth and cracking the sidewalks. It is very scary when you walk the neighborhood.
They drive past your house and take pictures; you never see them; they are as stealthy as the CIA. I heard that for each fine they write, they get $5.00. Here is a case in point. They took a picture of our gutter at noon, which created a shadow. They sent a notice that the paint had faded; when we checked later in the afternoon, there was no shadow, and the paint seemed fine. We received another picture taken at noon, and they demanded that we repaint. This went on for some months, and finally they conceded—the assholes that they are!
Our neighborhood was overrun with vehicles, sometimes four or five cars in driveways and parked on the street, often making it hard to pull in or out of our driveway. They said they have no control over who parks where. When we realized there was a meth lab across the street with 15 people living there, the HOA had no control. Good thing the police did, and they were evicted a year late. One of the meth guys started staring me down one day, thinking I had ratted him out. I stared back. I take no shit from people. He walked across the street toward me, and I simply told him, I am old, I can’t run, and I don’t dial 911. Life in prison would be a short time for me if you fucked with me or my family. He decided to go back across the street; he didn’t plan on meeting Tony Soprano, robe, and .38. The same house was rented to a chain of car thieves. Two stolen cars were found in their driveway. The HOA has no control over who rents what. Again, the police did, and I have them on speed dial.
Do yourself a favor and avoid HOA, or Horrible Owner Assholes.
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