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There are many conflicting questions about the type of people that become cops and police impersonators. I heard kids who were picked on in high school become cops. Cop impersonators are those who could not become POST certified to become cops or could not pass the background investigation

Homebuyers can get seller concessions for a home purchase from the seller up to 6% of the home purchase price which can be quite large. So on a $500,000 home purchase, the seller concessions can be a total of $30,000. Can the home buyer use the $30,000 on a $500,000 home purchase for the down payment?

Maintaining a good insurance score is crucial for your financial well-being. Your insurance score is a number that represents how much of a risk you are to your insurance company. Did you know that making an insurance claim can affect your insurance score? When you file a claim, it’s important to do so wisely and responsibly because claims history can follow you for 5 to 7 years on your insurance history and can have a significant impact on your premium. The more claims you make, the higher your risk becomes, and thus, the higher your premium will be. That’s why it’s important to report claims wisely and responsibly to avoid any negative impact on your insurance score. By doing so, you can ensure that you maintain a good insurance score, which can help you get better rates on your insurance premiums. So, always make sure to report claims wisely and responsibly to protect your financial well-being. #InsuranceTips #FinancialWellBeing

Can someone with expertise explain what correspondent mortgage lending is? What is mini-correspondent lending? What is the difference between correspondent, mini-correspondent, mortgage banking, and mortgage brokers. I asked multiple so called experts and I keep getting conflicting answers. Thank you very much in advance.

Here’s a video clip about traumatizing a dog for life. The black lab mix will never be the same after witnessing a Bulldog being cut up.

https://www.facebook.com/share/r/Kpe6DR8B8yCbbsot/?mibextid=D5vuiz

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The dog is trying to say "I DON SUFFER FOR THIS HOUSE". 🤣🤣 #doglover #cakesofinstagram | Brian Junior | Brian Junior · Original audio

The dog is trying to say "I DON SUFFER FOR THIS HOUSE". 🤣🤣 #doglover #cakesofinstagram. Brian Junior · Original audio

What are the states that require distance requirements for loan officers from where they live to the mortgage branch they are sponsored from. There are about a dozen states that require mortgage loan originators to be tied and/or sponsored by a mortgage branch such as a 50 to 100 mile distance requirement. Does anyone know which states have the distance to residency requirements between the branch and the loan officer personal residence?

My brother and I am interested more about investing in mobile home parks. I am open in anywhere in the United States. I have interest in knowing what it takes to invest in mobile home parks for a new investor. My experience is in real estate fix and flips and holding apartment buildings. I have a small portofio of single family homes and six apartment buildings totalling 100 units. I do have equity in my properties so I can tap into the equity of my rental properties or sell some. I like to know more about investing in mobile home parks, the pros and cons, the headaches, what to look out for, and suggestions for first time mobile home park investors. I am interested in knowing about financing mobile home parks and how competitive the mobile home park market is. Thank you in advance.

The Bureau of Labor Statistics forecasts a 2.9% employment growth for mortgage loan originators between 2022 and 2032. During that period, it is forecasted 10,400 jobs in the mortgage industry should open up. Licensed and registered mortgage loan originators advise, authorize and recommend loan approval for individuals and businesses. According to data from the U.S. BUREAU OF LABOR STATISTICS tens of thousands of loan officers LEFT the mortgage industry in 2023 due to inflation, surging mortgage rates, and housing shortage. In October, 2023, 67% of current mortgage loan officers produced less than one unit of closed loans in October. 21% of loan officers closed 1.5 units per month and only 12% of mortgage loan orignators closed greater than 2.5 units. The mortgage industry was decimated due to the economy, high rates, and inventory shortage. Very few from the work force sought work in the mortgage lending industry. According to the Nationwide Mortgage Multistate Licensing System, in the second quarter, there were 24.5 percent fewer individual licenses awarded for mortgage lenders. That means people are leaving the mortgage industry altogether permanently. More loan officers are expected not to renew their NMLS licenses or leave the mortgage industry.

In all of 2022 and through the first half of 2023, the average mortgage lender was not profitable and lost money on every mortgage it originated. In first quarter of this year, the average loss was $1,972 per mortgage loan. In the second quarter, the size of the loss improved to $534 per loan.

Realtor.com, the real estate listing and informational website forecasts the housing market will continue to struggle in 2024 and mortgage rates will average 6.8% in 2024, and possibly drop to 6.5% by the end of 2024. This is not promising news because mortgage rates were at 2.5% just two years ago. Loan officers are expected to have a tough road ahead because consumers have not adapted to this sudden hike in rates. Until the mortgage rate of 6.5% is accepted as the new normal, the mortgage industry will continue to struggle and more loan officers and mortgage companies are expected to leave the mortgage industry. There were a total of 160,000 licensed and registered mortgage loan originators. 50,000 loan officers have exited the mortgage industry and more are expected to leave this year by the second quarter. There are 90,000 mortgage loan originators left in the mortgage industry today but that number is forecasted to drastically get reduced to as much as 40,000 so only 50,000 loan officers is forecasted to remain in business.

https://www.youtube.com/watch?v=C9BdPHXKHfE

Here is a cool tiny house that is brand new and affordable. It is a modular home that homebuyers can use it as a primary home, second home, AirBnB’d or rental home.

https://youtu.be/QHXESFLAbXs?si=AwYAJ9YWMPmeCdYo

When we access anything in computer , it generated many temporary files and we need to remove those to speed up your computer. below are step to remove or delete those temporary files

1. Write Run on Search area .

2. A window appeared , write %temp% and click Ok

3. Select all ( ctrl key+A )and click on delete key

Many Americans love Donald Trump while others cannot stand him. First and foremost, ask yourself would you like someone to tell you what you want to hear or the truth? Is Donald Trump out to run for political office to enrich himself and his family unlike other politicians who became multi millionaires while being in political office? What did Bill Clinton, George Bush, Barack Obama, and Joe Biden do for this country except to use the Presidency to enrich themselves and their families. Joe Biden never had a job in his life. Joe Biden served 50 years as a career politician who became a multi millionaire by using his elected office to get favors, bribes from foreign countries, and cheating on elections to get himself and other political hacks elected by hook, Crook, cheating, and other acts of corruption. Bill Clinton is an alleged child rapist and pedophile who is a sex addict. Barack Obama was one of the most incompetent cheating lying and corrupt Presidents of human kind. Donald Trump does not need to become President to enrich him and his family. By being President Former President Donald Trump is setting himself backwards financially and emotionally because of the hatred ignorant people are cursing to him and his family. Here’s a video of the Trump Family Biography our viewers will enjoy and find it informative.

https://youtu.be/L17q1lgJBac?si=A8KDG9XV6PCGsZ3c

Oprah Winfrey condones pedophilia and says a 7 year victim enjoys getting molested

https://www.bitchute.com/video/CzXlTw9rIYjD/

bitchute.com

Oprah Winfrey condones pedophilia. She says victims enjoy it.

She says if you're seven-years-old of someone is stroking your penis, It feels good. But how does she know does she have a penis? Was it stroked when she was 7 years old? This woke, PC shit has gone way … Continue reading

Hunanity with Hunter Biden. RThere is no end with the Biden Crime Family. Joe Biden and Hunter Biden is blatantly committing crimes which hurt the country and is very obvious. Crimes against the people of the United States 🇺🇸 and what is the Department of Justice doing about it? Absolutely nothing. Richard Nixon alleged crimes is nothing compared to Joe Biden crimes against humanity. Hunter Biden flew on Airforce two with his father to Eukraine, China, and other countries to extort and bribe officials of state. Here is Jesse Waters on the Joe Biden Crime Family

https://youtu.be/zOHF0AXUKts?si=jmZhDWdm1CLME6ay

• This discussion was modified 9 months, 1 week ago by  Gustan Cho.

The biggest fear of electric car owners is running out of electric charge and being stalled. If you were to travel interstate cross country on your electric car and there are no charging stations, what do you do? Here’s a relative of California Governor Gavin Newsom rigging a generator in the back of his electric car because he had enough getting stranded multiple times during his long commute to work. He has a generator and a gas can full of fuel for the generator

Poor rookie firefighter 🚒 hired from Miami as a probationary fire fighter recruit in Wisconsin.

https://www.facebook.com/share/r/qjMHyQ9dGSLDMhAd/?mibextid=nnhLG8

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Thought this classic was fitting #stealthperformance #powerstroke #cummins #duramax #diesel #diesellife #dieselbrothers #ford #truck #chevy #dodge #dieselnation #dieselpower #trucknation #teamdiesel #powerstrokediesel #powerstrokenation | Stealth Performance Products | Lil Wayne · Mrs. Officer (Album Version (Edited))

Thought this classic was fitting #stealthperformance #powerstroke #cummins #duramax #diesel #diesellife #dieselbrothers #ford #truck #chevy #dodge #dieselnation #dieselpower #trucknation...

Here is breaking news about our politicians

Barack Obama slips calling his transgender football player wife with balls Michael and I. LOL

https://www.tiktok.com/t/ZT8pwjuWq/

• This discussion was modified 1 year ago by  Randy.

My family is interest in getting out of the single family and multi-family home rental investment and getting more into investing in an RV campground, mobile home park, or storage facility. Is an RV Park a good investment? I have heard from business associates and other indirect investors that RV parks are a high-yielding investment with little downside. What type of return would be a good yield on an RV park investment and what type of capital do you need to get started. How is financing rates, terms, and conditions? Can a new investor get financing on an RV Park? What do you suggest to keep an eye on and what are the steps to go about shopping for RV Parks that is on the market? Are there business brokers that specialize in RV Parks? Do you suggest developing an RV PARK by buying land and starting from scratch or buying an existing RV park that is cash flowing.

Utah Department of Real Estate (UTAH DRE) is the state agency that overseas the licensing for mortgage loan originators, branch managers, associate principal lending managers, and principal lending managers. Getting the UTAH NMLS MLO license requires the 20 hour NMLS pre-licensing course, and 15 hours of continuing education the first time you get licensed. To renew the UTAH NMLS MLO license requires 8 hours of standard continuing education and two additional hours of Utah state specific continuation NMLS CE course every year. To become a Utah Principal Lending Manager UTAH PLM, the candidate need to be an NMLS MLO loan originator with at least five years of experience and have originated and closed 45 mortgage loans in the past 12 months. The UTAH Principal Lending Manager candidate needs to enroll and complete a 40 hour UTAH PLM comprehensive online course which consists of UTAH state specific mortgage rules, regulations, practice, policies and procedures, fraud, ethics, state and federal laws. Any advice on getting the UTAH NMLS MLO and UTAH PLM license would be greatly appreciated.

Elon Musk the founder and CEO of Tesla Motors strongly believes there’s a 20% chance Artificial Intelligence will destroy humanity in 12 months.

https://www.businessinsider.com/elon-musk-20-percent-chance-ai-destroys-humanity-2024-3

businessinsider.com

Elon Musk says there could be a 20% chance AI destroys humanity — but we should do it anyway

Musk recalculated his analysis of AI, saying there's a 10% or 20% chance it could destroy humanity. Safety researchers say he's underestimating.

Elon Musks is forecasting ARTIFICIAL INTELLIGENCE will be smarter than humans in 24 months.

https://www.businessinsider.com/elon-musk-says-ai-will-outsmart-humans-by-2026-2024-4

businessinsider.com

Elon Musk says AI will be smarter than humans in 2 years

Tech billionaire Elon Musk believes AI will outsmart humans by 2026. But data scarcity and a chip shortage may get in the way.

If you want to get paid 1099 as a loan officer you need to surrender getting licensed in the following states.

1. Nevada

2. Hawaii

3. Illinois

4. Mississippi

5. NEBRASKA

6. New Jersey

7. North Carolina

8. South Carolina DFI: SC DCA NO W2

9. Georgia

10. Vermont

11. MA

More and more states are allowing loan officers become 1099 wage earners. We will update this list as states update allowing 1099 wage earner for loan officers.

• This discussion was modified 9 months, 1 week ago by  Gustan Cho.

What is the Loan Estimate or LE. What information is the categories and data in the LOAN ESTIMATE?

What is the Closing Disclosure?

How does the three waiting period during the waiting process work?

Cops are human and can make mistakes like the rest of us. However, are Cops above the law? What’s this professional courtesy among police officers? Why do Cops expect to get out of tickets and DUIs? What’s this code of silence among police officers?

https://www.facebook.com/share/v/ohutDundcae6fJpG/?mibextid=D5vuiz

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Idiot Cops Who Got Caught DRUNK On The Job | Idiot Cops Who Got Caught DRUNK On The Job | By The JudgeFacebook

Idiot Cops Who Got Caught DRUNK On The Job

NMLS distance from mortgage company brick and mortgage location to personal residency requirements on individual states.

https://docs.google.com/spreadsheets/d/1SE5mgppadh9ZJh0gcqek636JKcNOcOQ42pLhH39x6e4/edit?usp=drivesdk

• This discussion was modified 2 weeks, 3 days ago by  Sapna Sharma.

Artificial Intelligence is making headline NEWS lately. Many people are AMAZED about AI. Here’s a very interesting article about Artificial Intelligence. Is Artificial Intelligence built in End Times.

https://www.destinyimage.com/blog/alan-didio-mark-of-the-beast-ai-is-ai-part-of-the-antichrists-end-time-scheme

destinyimage.com

Mark of the Beast & AI: Is AI Part of the Devil’s End-Time Strategy? — Destiny Image

Could prophecies in Revelation point toward an advanced form of AI, capable of tracking, analyzing, and manipulating human behavior on an unprecedented scale? Host of Encounter Today and pastor Alan DiDio exposes the truth about AI and whether it could … Continue reading

Mortgage Rates a tad lower from yesterday. 30-year fixed-rate mortgage rates 6.78% down -0.10 from yesterday. 15-year fixed-rate mortgages is priced at 5.77% down -0.26 from yesterday. 5/1 ARM is unchanged 6.67% from yesterday. This week has been a steady week for mortgage interest rates at 6.66% . Mortgage rates has been unchanged since December 21st. Lower rates should spark homebuyers but many buyers are sitting on the sidelines. Weekly jobless claims was low for the week mainly due to a four day holiday week. The unemployment rate numbers released last week came in at 3.7 percent in December, and the number of unemployed persons was remain unchanged at 6.3 million. These measures are higher than a year earlier, when the jobless rate was 3.5 percent and the number of unemployed persons was 5.7 million.

Jobless claims, also known as unemployment claims or initial unemployment claims, refer to the number of individuals who have filed for unemployment benefits with the government’s unemployment insurance program. These claims are typically filed by individuals who have lost their jobs and are seeking financial assistance during their period of unemployment.

Jobless claims serve as an important economic indicator and are closely monitored by policymakers, economists, and financial analysts. They provide insights into the current state of the labor market and can indicate trends in unemployment. When jobless claims increase, it often suggests a rising number of people losing their jobs, which may be a sign of economic downturn or labor market challenges. Conversely, a decrease in jobless claims can be a positive sign, indicating improved job market conditions.

Jobless claims are typically reported on a weekly basis in many countries, including the United States, where the U.S. Department of Labor releases a weekly report on initial unemployment claims. These reports help policymakers and analysts gauge the health of the labor market and make informed decisions about economic policies and interventions.

It’s important to note that jobless claims are just one part of the broader picture of employment and unemployment, and they are often used in conjunction with other labor market indicators to assess the overall employment situation.

I am looking at buying a RVPark- that is currently cashflowing at a 7.5cap – I am looking at changing the model a bit and infusing capital plan to add capsule airbnbs and boat storage (20) frames are already built. The Property is 10 acres – less than 2 miles from a lake that has over 6 million visitors a year. It is located 30 minutes from 2 of the largest casinos and also 3 state parks. I am wondering if someone could finance on projected dscr. Any help would be great. I will post some designs of the homes and some of the land later today.