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There are many conflicting questions and theories about the COVID-19 Vaccine. Why is it that so many healthy people are dropping dead after taking the coronavirus vaccine? WHY is Joe Biden and his administration pushing so hard for Americans to get vaccinated? WHY is the federal, state, and local government requiring government employees to get vaccinated or they would get terminated. I think there are two sides to this topic and need the facts. The media has a coverup and that is a fact. Why are members of the United States Military required to get vaccinated? Why are the Globalist and Satanist like George Soros, Bill Gates, The Rothschild Family, Barack Obama and Michael Robinson Obama, the Clinton’s promoting getting vaccinated and depopulation. Please state your comments.
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70% of Americans are concerned about the country is in major trouble at all fronts. Joe Biden poll numbers are nearing under 30% which has been the lowest than any modern history including lower than Jimmy Carter. Tainted with crimes against the state along with his son Hunter Biden and his brother James Biden, Joe Biden is branded with the name Biden Crime Family. Corruption is obvious and the Department of Justice and the press is turning the other way. Here is a story about the Biden Crime Family from Sean Hannity of Fox News
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Ex-playboy Karen McDougal Tells all the affair she had with Former President Donald Trump when Trump was married to Melania Trump with CNN Anchor Anderson Cooper. Why would anyone even a slut tell a news Anchor about a private affair with two people.
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THIS Message is for Mr. Mike Neill. Can GCA Oakbrook Terrace get loan officers from AXEN do third party processing? Mr. Bill Burger-King said we could. Can we explore that possibility.
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Which internet tool has the most accurate data for daily unique visitors for your website? Which SEO Ranking Tool is best to check your domain authority and domain Ranking?
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Mortgage Rates Today: January 10, 2024— 30-year fixed mortgage rates are steady. 15-Year Mortgage Rates Increase. Today, the current average mortgage rate on a 30-year fixed mortgage is 7.35% compare to last week when the mortgage rate was 7.29% while the average rate on a 15-year mortgage is 6.49%. The annual percentage rate (APR) on a 30-year, fixed-rate mortgage is 7.24%. The APR was 7.22% last week. APR is the all-in cost of your mortgage loan. On a 30-year jumbo mortgage, the average rate is 7.20% @ source bank rate. With today’s interest rate of 7.35%, a 30-year fixed mortgage of $100,000 costs approximately $689 per month in principal and interest (taxes and fees not included), the GCA Best Mortgage Calculator shows. Borrowers will pay about $148,054 in total interest over the life of the loan.
The average interest rate on a 15-year mortgage (fixed-rate) is 6.49% compared to last week, the 15-year fixed-rate mortgage rate was at 6.35%.
The APR on a 15-year fixed is 6.43% compared to 6.30% this time last week. At today’s interest rate of 6.49%, a 15-year fixed-rate mortgage would cost an estimated $870 per month in principal and interest per $100,000. You would pay around $56,681 in total interest over the life of the loan.
Mortgage interest rates are determined by a complex interplay of various economic, financial, and individual factors. Here are some of the key factors that influence mortgage interest rates:
Economic Conditions: The overall health of the economy plays a significant role. When the economy is strong, with low unemployment and robust economic growth, interest rates tend to rise. Conversely, during economic downturns or recessions, rates tend to fall as central banks may lower their policy rates to stimulate borrowing and spending.
Central Bank Policies: Central banks, such as the Federal Reserve in the United States, set short-term interest rates through their monetary policy. Changes in these rates can have a cascading effect on longer-term interest rates, including mortgage rates.
Inflation: Inflation erodes the purchasing power of money over time. Lenders typically require higher interest rates to compensate for the expected loss in value of the dollars they will be repaid in. Therefore, when inflation expectations rise, mortgage rates tend to go up.
Supply and Demand: The supply and demand for mortgage loans in the secondary market can affect rates. When there’s high demand for mortgages and a limited supply of funds, rates may rise. Conversely, when there’s less demand or more supply, rates may fall.
Creditworthiness: Your personal credit score and credit history influence the interest rate you’ll be offered. Borrowers with higher credit scores and better credit histories are typically offered lower interest rates because they are considered less risky.
Loan Term: The term of the mortgage (e.g., 15 years, 30 years) can also impact the interest rate. Shorter-term loans often come with lower interest rates than longer-term loans because they pose less risk to lenders.
Down Payment: A larger down payment can often lead to a lower interest rate. Lenders may view borrowers who make a substantial down payment as less risky.
Type of Mortgage: Different types of mortgages, such as fixed-rate and adjustable-rate mortgages (ARMs), have different interest rate structures. ARMs typically start with lower initial rates but can adjust over time, while fixed-rate mortgages maintain the same rate for the entire loan term.
Market Conditions: Mortgage rates can be influenced by market sentiment, investor demand for mortgage-backed securities, and geopolitical events. These factors can lead to short-term fluctuations in rates.
Regulatory Environment: Government policies and regulations can impact mortgage rates. For example, government programs and incentives can make certain types of mortgages more attractive to lenders and borrowers.
It’s important to note that these factors can change over time and can interact in complex ways. Mortgage rates are also influenced by a wide range of regional and local factors, making it essential for borrowers to shop around and compare offers from different lenders to find the best mortgage rate available to them based on their unique financial circumstances.
What determines APR? APR stands for “Annual Percentage Rate.” It is a financial term used to express the true cost of borrowing or the annualized cost of a financial product, such as a loan, credit card, or mortgage. The APR includes not only the interest rate on the borrowed funds but also any additional fees, points, or other costs associated with obtaining the loan or credit.
The APR provides borrowers with a more comprehensive understanding of the total cost of borrowing, making it easier to compare different loan or credit offers from various lenders. Lenders are typically required to disclose the APR to borrowers to ensure transparency in lending practices and help consumers make informed financial decisions.
It’s important to note that the APR is expressed as a percentage, and a lower APR generally indicates a more favorable loan or credit offer because it represents a lower overall cost of borrowing. However, it’s essential to consider other factors, such as loan terms, repayment schedules, and your specific financial situation, when evaluating loan or credit options. Demand for mortgage loans is down despite lower mortgage rates.
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The CPI numbers were released this morning higher than expected. TThe Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. The Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. The consumer price index numbers released this morning show the CPI increased 0.3% in December and 3.4% from a year ago. What this means is the CPI was higher by 0.30% than one year ago. Excluding volatile food and energy prices, the CPI rose 0.3% for the month and 3.9% from a year ago, compared with respective estimates of 0.3% and 3.8%.
Mortgage rates was not affected by the release of the CPI numbers.
https://www.youtube.com/watch?v=OiloFSVyfkk
- This discussion was modified 1 year ago by Gustan Cho.
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This message is directed to Ravinder Sharma the Chief Executive Officer of Viral Website Developers and Sapna Sharma the Chief Technology Officer at Gustan Cho Associates. What makes a Website viral on getting organic traffic for lead generation? How is Viral Website Developers different from the competition in creating Websites that generate organic leads. Can you please share your thoughts and business platform.
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Here is the second part of Jeffrey Epstein Pedophile Island Guest Report. Shocking Report on former President Bill Clinton, Former New Mexico Governor Bill Richardson, Globalist Bill Gates, Democrat Senate Minority Leader and hundreds more high society members. Everyone on the Jeffrey Epstein Pedophile Island Guest List is on pins and needles about the Jeffrey Epstein Pedophile Island Guest Report. Bill Clinton storms into the Vanity Fair Press Headquarters and demands not to write any derogatory stories about his good friend Jeffrey Epstein
https://www.youtube.com/live/dhsaX2CQt3g?si=g_qZ56_r2Zvc_WrU
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Joe Biden is hands down the worst President of the United States far worse than former President Jimny Carter polls show. If the election were to be held today, Joe Biden would lose in every state in the nation and Former President Donald Trump would win in a landslide. The ill-fated bidenomics is considered a joke by many. Former President Barack Obama running the White House behind the scenes is not cutting it. Barack Obama and other Democrats and Globalists puppeteering the Dementia stumbling struggling Joe Biden is trying to get Biden off the election ballot for 2024 due to his mental health deterioration and aggressive Dementia affecting his business decisions and stumbling posture and lack of control and his ability to control his bowels. Barack Obama seems like he is planning on preparing Former First Lady/Man Michael Robinson Obama aka Michelle Obama as the candidate for President for 2024. Many experts and political analysts believe it will be hard to win the Presidency and Take Control of Congress without cheating at the polls. Hillary Clinton and Gavin Newsom are the other potential Presidential candidates besides Big Mike Obama
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Here are the best updated numbers for everything Mortgage Statictics including the number of loan officers as of January 2024. A lot of Mortgage Companies, even companies who we worked for are no longer in business. For example, Loan Cabin, Inc. Is completely closed and two states California and Texas revoked their NMLS full eagle Mortgage Lender and Mortgage Broker licenses. Here is the statistics for mortgage industry
https://www.statista.com/topics/1685/mortgage-industry-of-the-united-states/#topicOverview
statista.com
Topic: Mortgage industry in the U.S.
Find the most up-to-date statistics and facts on the mortgage industry in the United States
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Members of Congress, the President and other state politicians should have term limits. Term limits are a necessity to avoid politicians avoid corruption and using elected office to take care of yourself, family, friends, and promote patronage. Together with working on making the community better and giving the best man who can help make America better, we can all strive to make America 🇺🇸 the best country in the world 🌎 and corruption a treasonous crime that is self serving of the death penalty and the crime of treason should be the death penalty.
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In this thread, we will cover a summary of the Jeffrey Epstein Pedophile Island Guest Report.
https://youtu.be/bjKsmyqFr8A?si=jGTQaPsYwDbUJsyv
- This discussion was modified 1 year ago by Mark.
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Former U.S. Presidents become millionaires after they leave office. Many Presidents like Bill Clinton and Barack Obama are not wealthy when elected president but become millionaires when they leave the White House. Joe Biden never had a job in his life. After leaving law school, Biden was elected to the United States Senate and served as a politician for 50 years. Plagued with accusations of corruption with mountain of evidence, Biden poll numbers make him the worst President in the history of the United States. Look at this video clip about how Former Presidents spend their millions
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Cute cat and dog video making a break in. Funny
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Here is the world’s most incredible numb nuts who predicted inflation to be lower in 2023. And we are listening to her as an authority on the U.S. economy. Janet Yellen is the laughing stock of the world and has absolutely no creditbitlity. The current administration is on lie alert and fake news alert to stay in office with election year. Politicians are doing everything in the world to stay in office. LIE, CHEAT, FAKE NEWS, AND FUDGE NUMBERS.
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Like to welcome my Tim Cho of Cho Time Fitness to GCA FORUMS. Tim is my son and has been a champion wrestler in high school, and is a former professional mixed martial arts fighter. Time is also a drill sergeant in the United States Army reserves and does personal training, and coaches groups like local police departments and other agencies in defensive tactics. Tim is going to launch and run the eGym and Nutrion subforum under the HEALTH, WELLNESS, AND FITNESS FORUM here and will answer any questions viewers have about setting up a work out regiment, defensive tactics, and nutrition. His company, Cho Time Fitness is a one on one personal training curriculum. He is taking a working business model and plans on expanding his successful work out coaching program to those who want to be in the best health through regular exercise, and proper eating.
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Doctors suggest to exercise for diabetics but many people have a busy schedule. Is there a sucessful workout regiment for diabetics with a heavy work schedule. Many people who are tied to computers and remote workers have a busy schedule they do not have the opportunity to execise. Any suggestions would be greatly appreciated.
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Jeffrey Epstein has made international news as the pedophile of the stars. Famous people like Former President Bill Clinton, Bill Gates, Prince Andrew, Oprah Winfrey, AL Gore, Kathy Griffin, Charlie Sheen, Dustin Hoffman, Henry Kizinger, Dan Sneider, George Mitchell, Naomi Campbell, Phil Campbell, Steven Colbert, Sean Carter, Alec Baldwin, Dustin Hoffman, Phil Collins, Sreven Spielberg, Kevin Spacey, Joan Rivers, Charlie Rose, Seth Green, Tom Hanks, Ralph Fenese, Janice Dixon, former New Mexico Governor Bill Richardson, Richard Brandson, and several hundred politicians, actors, and CEOs of large corporations. So who is this king of pedophiles and pedophiles who befriended this child molester and monster. Here is a 60 minute special on who Jeffrey Epstein is
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Jobs numbers released is fake news. Bidenomics is a joke and a farce. The economic is in sad shape. Worse than ever expected. Jerome Powell needs fake news and make sure the current administration looks good to protect their jobs. Many Americans cannot pay their bills. Credit card deliquencies has been the highest in decades. Consumer debt has set historic records because surging inflation. You do not have to be an economist to see that inflation is out of control. Look at the price of goods and services now compared to one year ago. You cannot keep ahead and whatever you buy to survive you are going into a hole because the your wages are not keeping up with the cost of goods and services due to skyrocketing inflation. Here is a good video that tells the important facts about the FAKE NEWS on economic numbers.
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Updating old content that got penalized with the latest Google Algorithm UPDATE in September 2023 has helped rankings. Ravinder Sharma, our digital marketing and SEO director has been monitoring our websites after the 2023 latest Google Algorithm changes and found that blogs that have been updated and refreshed has increased in rankings on all search engines. I will have Ravinder post more on this topic.
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Jeffrey Epstein, the pedophile sexual predator has bribed famous people including politicians to his pedophile palace in the United States Virgin Islands often referred to Epstein Island. The names of the important people who were his guests was released. Here is a video news about who the guests of Jeffrey Epstein were.
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What type of gym equipment would you recommend for someone who lives in a small apartment and does not have a lot of room? Is there a universal gym equipment that works and is effective that does not cost an arm and a leg?
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VA manual underwriting refers to the process of manually evaluating a mortgage loan application for a home purchase or refinance that is backed by the U.S. Department of Veterans Affairs (VA). VA loans are a type of mortgage loan program available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. These loans are designed to help veterans and their families purchase or refinance homes with favorable terms and conditions.
In most cases, VA loans are processed and underwritten using automated systems, which assess factors like credit scores, income, and debt-to-income ratios to determine an applicant’s eligibility and the terms of the loan. However, in some situations, borrowers may not meet the automatic underwriting criteria, and their loan applications will be subject to manual underwriting.
Here are some common reasons why a VA loan application might undergo manual underwriting:
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Low credit score: If the applicant’s credit score falls below the minimum required for automated underwriting, the loan may need to be manually underwritten.
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Limited credit history: Applicants with a limited credit history may also require manual underwriting since there may not be enough data for automated evaluation.
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High debt-to-income ratio: If an applicant’s debt-to-income ratio is higher than the automated underwriting system’s threshold, manual underwriting may be necessary to assess their ability to repay the loan.
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Irregular income: Borrowers with income that is difficult to document or verify, such as self-employed individuals, may need manual underwriting.
During the manual underwriting process, a human underwriter carefully reviews the borrower’s financial documents, credit history, and other relevant information to make a lending decision. This process may involve more in-depth analysis and documentation than automated underwriting.
It’s important to note that manual underwriting doesn’t necessarily mean that a borrower won’t qualify for a VA loan. It simply means that their application will be evaluated through a more hands-on and thorough process. Borrowers should work closely with their lender to provide all required documentation and information to facilitate the manual underwriting process.
Keep in mind that VA loan eligibility and underwriting guidelines can change over time, so it’s essential to consult with a knowledgeable VA loan specialist or lender to get the most up-to-date information and guidance on the VA loan application process.
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A Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage, is a financial product specifically designed for older homeowners, typically aged 62 or older, in the United States. Unlike a traditional mortgage, where you make monthly payments to a lender to buy a home, a reverse mortgage allows homeowners to convert a portion of their home equity into tax-free loan proceeds without having to make regular mortgage payments.
Here’s how a reverse mortgage works:
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Eligibility: To qualify for a reverse mortgage, homeowners must meet certain age and home equity requirements. Generally, the youngest borrower must be at least 62 years old, and the home must be the primary residence.
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Loan Types: There are several types of reverse mortgages, but the most common one is the Home Equity Conversion Mortgage (HECM), which is insured by the Federal Housing Administration (FHA). HECMs make up the majority of reverse mortgages in the United States.
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Loan Disbursement: With a reverse mortgage, homeowners can receive loan proceeds in various ways, such as a lump sum, monthly payments, a line of credit, or a combination of these options.
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No Monthly Payments: Unlike a traditional mortgage, borrowers do not need to make monthly payments on the reverse mortgage. Instead, the loan balance grows over time as interest accrues on the outstanding balance.
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Repayment: The reverse mortgage becomes due when the homeowner permanently moves out of the home, sells it, or passes away. At that point, the loan, along with accrued interest and fees, must be repaid. Typically, this is done by selling the home, and the proceeds from the sale are used to repay the reverse mortgage. If the home’s value exceeds the loan balance, any remaining equity goes to the homeowner or their heirs.
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Protection for Borrowers: Reverse mortgage borrowers are protected by various regulations, including mandatory counseling to ensure they fully understand the terms and implications of the loan.
It’s essential to carefully consider the pros and cons of a reverse mortgage before deciding to get one. While it can provide financial flexibility for retirees, it can also reduce the equity in your home, potentially affecting your ability to leave the home to heirs. Additionally, interest and fees can accumulate over time, impacting the ultimate cost of the loan.
Before pursuing a reverse mortgage, it’s a good idea to consult with a financial advisor or counselor who specializes in these products to determine if it’s the right financial solution for your specific circumstances.
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Pixel width: In most situations, 2500 pixels is ideal for displaying content in full screen mode on a browser. If an image is smaller than that, it may be cropped or appear pixelated when it tries to fill the browser width.
Image size: The ideal total (pixel) size for your photographs will depend on how they will be used; for example, background images should be larger than images for blog posts.
File size: Anything larger than 20 megabytes will have a significant influence on the speed of your website. Generally speaking, smaller photos (up to 1 megabytes) work better.
Image attribute: Image attributes, sometimes known as alt text or alt tags, are text-based and have little effect on how well your website functions. But keep in mind that screen-reader software is used by the blind to use them.
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Fix-and-flip real estate loans are a type of financing used by real estate investors to purchase distressed or undervalued properties, renovate them, and then sell them for a profit. These loans are specifically designed for short-term investment projects and are commonly used in the real estate industry. Here’s how they work:
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Property Acquisition: Investors identify properties that are in need of renovation or improvement and are typically priced below market value. They then apply for a fix-and-flip loan to purchase the property.
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Loan Approval: Lenders review the investor’s creditworthiness, the property’s potential value after renovation, and the investor’s business plan for the project. If approved, the lender provides the funds needed to purchase the property.
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Renovation: Once the property is acquired, the investor uses the loan proceeds to fund the renovation or rehabilitation of the property. This can include repairs, upgrades, and improvements to increase the property’s value.
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Sale: After the renovations are complete, the investor lists the property for sale on the real estate market. The goal is to sell the property quickly and at a higher price than the initial purchase price and renovation costs.
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Repayment: Once the property is sold, the investor repays the fix-and-flip loan, including interest and fees, to the lender. The remaining proceeds from the sale are typically the investor’s profit.
Key characteristics of fix-and-flip loans:
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Short-Term: Fix-and-flip loans are typically short-term loans, with loan terms ranging from a few months to a few years. They are not intended for long-term property ownership.
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Higher Interest Rates: These loans often come with higher interest rates compared to traditional mortgage loans. Lenders charge higher rates because of the short-term nature and higher risk associated with fix-and-flip projects.
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Quick Approval: Fix-and-flip loans are designed for fast approval and funding, allowing investors to move quickly when opportunities arise.
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Asset-Based: Lenders primarily assess the value of the property and the potential for profit when approving fix-and-flip loans, rather than focusing solely on the borrower’s creditworthiness.
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Potential for High Returns: Successful fix-and-flip projects can generate significant profits for investors, but there are also risks involved, such as market fluctuations, construction delays, and unexpected costs.
It’s important for real estate investors to carefully plan their fix-and-flip projects, conduct thorough market research, and have a realistic budget in order to maximize their chances of success. Additionally, working with experienced lenders and real estate professionals can be beneficial when pursuing fix-and-flip opportunities.
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Schema markup is important for SEO not because it directly impacts your rankings in search results. But because of its other benefits. First, schema markup helps search engines understand the context and content of your pages more effectively.