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Every mortgage lender are giving me the same story for being late 120 days on a past mortgage loan payment in the past 24 months. Mortgage lenders, mortgage brokers, loan officers from banks and credit unions all say any mortgage that has been late 120 days or more is considered a foreclosure. Most lender consider a borrower with a 120 day late on a home loan the same as a foreclosure.

Mark and Lee Chen are the owners and operators of Lucky Chen Chinese Restaurant in Paddock Lake, Kenosha County, Wisconsin. I have been a customer of Lucky Chen since the authentic Chinese Restaurant opened. One thing about Lucky Chen is the restaurant is well managed. The Chinese Restaurant has its operations being staffed by the run the best operations staff, chefs, cooks, and auxiliary help. The restaurant opens at 11 am and closes at 10 pm. Lucky Chen, a culinary top tier ethnic restaurant with working man prices and beyond compare, always feels that it is the first time ther for me with an extraordinary dishes such as their custom made to order dishes when Mark Chen is the head chef the tofu and beef dish, the low mein, the beef chop suey, spring rolls, the custom made oil hot sauce, and dozens of great dishes to name to list. . A symphony of flavors unfolded with each spoonful, as the broth embraced my palate in a delicate dance. The wontons, plump and tantalizing, revealed a medley of succulent meat, expertly infused with aromatic herbs. Lucky Chen’s mongolian beef, shrimp lo mein, and beef with brocoli is a sensory marvel that showcases their culinary prowess and commitment to excellence.

My Culinary Sanctuary in Salem, Wisconsin three miles from where I live is Lucky Chen in Paddock Lake, Wisconsin. Calling and walking into Lucky Chen Chinese Restaurant is like ordering one of your favorite foods and walking into and returning to a place where everyone knows your name, especially for someone like me, a devoted patron who’s witnessed the blossoming of the first Chinese restaurant in the West section of Kenosha County in Wisconsin. The warmth of the ambiance is matched only by the welcoming smiles of the staff, making every visit here feel like a special occasion.

At the helm is Mr. Mark Chen and his wife Lee Chen, the owners, whose incredible knack for blending authentic Chinese flavors with innovative culinary twists never ceases to impress. Her dedication not only to the cuisine but also to creating a memorable experience for every diner is what sets Lucky Chen Chinese Restaurant apart from the competition.. As someone who leans towards meat, I have a special place in my heart (and my stomach) for their unique delicious beef dishes. The Sautéed Beef in Hot Spicy Sauce is my absolute go-to. This dish, so frequently requested by me, has affectionately been dubbed “Gustan’s Beef” by my friends. It’s a vibrant mix of tender beef pieces, vegetables, and just the right level of heat to keep you coming back for more – a true testament to Wendy’s mastery in the kitchen. While seafood isn’t my personal preference, my companions are always enchanted by the oceanic offerings on the menu. Their praises of the chili crab and other seafood delights speak volumes of Lucky Chen’s ability to cater to diverse palates with finesse.

Lee Chen‘s personal touch and her innovative spirit infuse every dish, every recommendation she makes, and every interaction within the restaurant. It’s her vision that has turned dining at Lucky Chen’s Food into an experience that’s as much about the community and connection as it is about the exquisite food. From the counter order staff to the chef’s and cooks, up the food chain to owners Lee and Mark Chen, their familiarity with the regulars, their ability to remember individual preferences, and their seamless service make each visit uniquely personal. It’s this combination of extraordinary cuisine, heartfelt hospitality, and a cozy atmosphere that makes Go 4 Food a sanctuary for those who appreciate the art of Chinese cooking with a creative edge.

Lucky Chen Chinese Restaurant is not just a restaurant; it’s a journey through the rich tapestry of Chinese culinary tradition, guided by one of Chicago’s most innovative chefs. Whether you’re a first-timer or a regular like me, you’re in for a dining experience that will linger in your memory long after the meal is over. Every dish at Lucky Chen is irresistible delight that warrants the highest recommendation.

I have 12 dogs. 9 of them are under 10 pounds so the nine is equivalent to one large dog so basically I have four regular dogs. Our dogs die for the left over from Lucky Chen. Every single dog get a birthday full dish from Lucky Chen. Each of them are spoiled and do not like fast food. Lucky Chen for the whole family My friends and colleagues from work all love Lucky Chen. Anytime I have guest visit and we need to eat, I call Lucky Chen and I get homemade cuisine made by a professional five plus star chef in a matter of less than one hour and a phone call aways. Lucky Chen for the whole family. Thank you Mark and Lee Chen.

• This discussion was modified 1 year, 2 months ago by  Gustan Cho.

I heard there are non-QM loans for self-employed borrowers that do not require federal income tax returns and no income documentation and is called P and L Statement Non-QM loans. How does the the P and L Statement Mortgage Loan program for self-employed borrowers work? I heard that a CPA Letter is required on a P and L statement non-QM mortgage loan? How does that work?

I am very excited to get involved and start originating commercial loans. What different types of commercial loans is Lending Network, Inc. going to offer to real estate investors and business folks?

I used to know this answer but what are the HUD guidelines and Fannie Mae Guidelines on qualifying for a mortgage with a federal tax lien? This would be qualifying for an FHA loan or Conventional loan with federal tax liens.

How Can You Get Organic Leads From Google Without Paying For It?

Forums and online message boards are the new thing according to Google Algorithm Updated recently. How long does a FORUM take to go viral?

Besides ChatGDP, below is more AI content writers. Make sure you run the content through Grammarly or other plagirism checker for uniqueness and no duplicate content.

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Hello! I have a scenario from a non profit organization looking to purchase 12,400 sq ft. warehouse in GA and convert to temporary housing for working class, homeless individuals who will eventually become first-time home buyers. Sale price is $3.5 million, 75% LTV (25% down payment). Contact Cathy Willis for more details @ 708-668-8464.

Why are homebuyers buying a house in rursl areas have a difficult time getting qualified and pre-approved for a home mortgage?

What kind of mortgage can I get approved for during a divorce process?

Have a case scenario. If I own a house in a Trust, can I refinance my house in a Trust or do I need to take the house out of trust and refinance under my individual name. And if I refinance under my individual name can I put the house in a Trust after the refinance or will the mortgage lender call the note due.

Can I purchase a primary owner occupied house in a trust??

What is the main differences between a 15-Year Versus 30-Year Fixed-Rate Mortgage? What benefits and negatives is between 15-Year Versus 30-Year Fixed-Rate Mortgages? What are the pros and cons on a 15-Year Versus 30-Year Fixed-Rate Mortgages Comparison on home purchase and refinance mortgages on both cash-out refinance and home purchase loans.

What happens if you have a older civil judgment that is not paid. Can you qualify for any mortgage loan application for a home loan approval if the judgment is not paid. I heard HUD guidelines on FHA loans is the easiest to qualify for borrowers with a judgment.

If a person already has an FHA loan in his primary house and gets a job offer with a different employer and needs to start the new job right away, can that person keep the existing house and rent it out and buy a second house to use as primary residence with a second FHA loan?

I recently saw a few barndomeniums and they look nice. What are barndomeniums and how can I get financing on new barndomeniums?

Can someone help me explain what Chattels are? I am interested in a Chattel home but found out that Chattels are not considered real estate. Many told me Chattels are considered personal property and it can be used. Others told me that I cannot get financing on Chattels.

Cindy Kelly is the president, owner, and head of operations at Regis Regal German Shepherds headquartered in Spring Grove, Illinois. Cindy is one of the most knowledgeable and passionate breeders of any dog breeds I have consulted with. Cindy takes passion for her champion bloodline German Shepherd dogs and will not sell her German Shepherd pups to anyone. There is no doubt there are many imitation German Shepherd breeders. Just because you have female and male German Shepherd dog and have puppies does not mean that you are now a professional German Shepherd breeder.

A great dog breeder, like Cindy Kelly of Regis Regal German Shepherds is characterized by several key attributes and practices:

Commitment to Health and Welfare of the parent German Shepherds as well as the pups: The top priority for any reputable breeder is the health and well-being of their dogs. This includes ensuring that breeding dogs are healthy, genetically tested for hereditary diseases common in their breed, and well cared for in terms of nutrition, exercise, and veterinary care.

Breed Knowledge and Expertise: A great breeder is knowledgeable about their chosen breed(s), including breed standards, temperament, behavior, and specific health concerns. They should be able to provide guidance and information to potential buyers about the breed’s characteristics and needs.

Selective Breeding Practices: Responsible breeders carefully select breeding pairs based on genetic health, temperament, and conformation to breed standards. They aim to improve the breed with each generation and avoid breeding dogs with known health issues or undesirable traits.

Ethical and Transparent Practices: Transparency is essential in all aspects of breeding, including providing accurate information about the lineage, health records, and any potential risks associated with the breed. Ethical breeders are open to questions and concerns from prospective buyers and are willing to provide ongoing support and advice after the sale.

Proper Socialization and Environmental Exposure: Puppies raised by reputable breeders are typically well-socialized from a young age, exposed to different environments, people, and experiences to help them develop into well-adjusted adults.

Responsible Placement of Puppies: Great breeders carefully screen potential buyers to ensure that their puppies are going to suitable homes where they will receive proper care and attention. They may require potential buyers to fill out questionnaires, conduct interviews, or even visit their facilities before agreeing to sell a puppy.

Continued Involvement and Support: A good breeder doesn’t wash their hands of the puppies once they are sold. They are available to provide ongoing support, advice, and guidance to new puppy owners throughout the dog’s life.

Involvement in the Dog Community: Many reputable breeders are actively involved in dog shows, competitions, or breed clubs. This involvement helps them stay informed about the latest developments in their breed and allows them to network with other knowledgeable individuals in the dog community.

Adherence to Legal and Ethical Standards: Great breeders adhere to all applicable laws and regulations related to breeding, licensing, and animal welfare. They also follow ethical guidelines set forth by reputable breeding organizations and breed clubs.

Lifetime Responsibility for Their Dogs: A responsible breeder takes responsibility for every dog they breed, regardless of age or circumstances. They should be willing to take back any dog they have bred if the owner can no longer care for it, to ensure the dog’s well-being and prevent it from ending up in a shelter or rescue.

Cindy Kelly of Regis Regal German Shepherds in Spring Grove, Illinois knows her dogs and knows German Shepherd. I like to add more to this review but am running late for my appointment. Please feel free to contact me or write to me if you need a reference and one of the most kindest, knowledgeable, experienced, and humble breeders I met and now I am a fan of Cindy Kelly, Owner and founder of Regis Regal German Shepherds headquartered in Spring Grove, Illinois.

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

A. What is Google News?

Google created the news aggregate app Google News. It displays an endless stream of well-arranged articles from thousands of publishers. The content is algorithmically selected based on the user’s interests, location, and reading history. Users can customize their news feed by selecting topics of interest and can also access news from different sources.

B. How to show your blog posts in Google News?

To show your blog posts in Google News, you need to follow Google’s guidelines and ensure that your content meets their criteria for inclusion. Here are the key steps to get your blog posts featured in Google News:

1. **Create High-Quality Content**: Google looks for high-quality, original content that is relevant and timely. Ensure your blog posts are well-written, informative, and up-to-date.

2. **Follow Google News Publisher Guidelines**: Review Google’s Publisher Guidelines (https://support.google.com/news/publisher/answer/6206668) to ensure your website meets their requirements. This includes having a clear editorial policy, providing accurate information, and avoiding deceptive practices.

3. **Submit your Website to Google News**: You can submit your website to be included in Google News by filling out the Publisher Center application form . Follow the instructions to verify ownership of your website and provide the necessary information.

4. **Optimize your Website for Google News**: Ensure your website is optimized for Google News by using proper HTML markup (such as <article> tags), having a clear site structure, and providing a good user experience.

5. **Frequently Update your Content**: Google prefers websites that frequently update their content with new, relevant information. Keep your blog posts fresh and timely to improve your chances of being included in Google News.

6. **Monitor and Improve**: Monitor your website’s performance in Google News using the Publisher Center dashboard. Make improvements based on feedback and analytics to enhance your chances of success.

By following these steps and consistently producing high-quality, relevant content, you can improve your chances of having your blog posts featured in Google News.

C. How many posts from website Google fetch in Google News?

Google News doesn’t have a fixed number of posts it fetches. The number of posts you see can vary based on factors like your location, interests, and the time of day. Google News uses algorithms to select and prioritize news stories from a wide range of sources, so the number of posts you see can change frequently.

D. Where Users can see our Google News?

Users can see your Google News content in several ways:

1. **Google News app:** Users can download the Google News app on their mobile devices to see a personalized feed of news articles based on their interests and preferences.

2. **Google News website:** Users can visit the Google News website (news.google.com) on their desktop or mobile browsers to access the same personalized news feed.

3. **Google Search:** Your news articles can also appear in Google Search results when users search for relevant topics. This can drive traffic to your content on Google News.

• This discussion was modified 1 year, 2 months ago by  Sapna Sharma.
• This discussion was modified 1 year, 2 months ago by  Ravinder Sharma.
• This discussion was modified 1 year, 2 months ago by  Ravinder Sharma.
• This discussion was modified 1 year, 2 months ago by  Ravinder Sharma.

Question: If someone is a credit repair consultant, can they become a licensed NMLS loan officer sponsored by a mortgage company? I heard that credit repair professionals are not allowed to become loan officers. Or is the fact that a credit repair consultant cannot work on credit repair and loan origination with the same client?

I have been banking at JP Morgage Chase in Bristol Wisconsin since 2004. That is 20 long years. It is the people at a financial institution that makes a great bank. I have gotten to work with the best consumer banking professionals at Chase Bristol Wisconsin branch and get to know them very well. Everytime I visit Chase Bristol Branch, it amazes me how great, knowledgable, and professional these fine women of Chase are. If you live in Southern Wisconsin or Northern Illinois and are looking for the best branch of a bank or need a personal loan, auto loan, open a business account, or need a checking or savings account, please visit Chase Bank Bristol, Wisconsin Branch. Helen, Cecy, Jacqueline, Stephanie, and DeAnn are the Navy Seals of the Banking Industry. One thing about Stephanie, Helen, Cecy, Jackie, and DeAnn is they are always consistent. Never would you see them grumpy or in a bad mood or shrug your questions aways. Always go above and beyond. I have never met such a group of banking professionals who take their jobs with passion and are always ready and eager to help. I like to commend upper management at JP Morgan Chase for having such a phenomenal group of professionals represent such a great financial institution, Chase, BRISTOL, WISCONSIN BRANCH located 7510 Bristol Road, Bristol Wisconsin 53104. Thank you Stephanie, Jackie, Helen, Cecy, and DeAnn for everything you do for us and you are not taken for granted. You are appreciated.

Insurance policies are a necessary part of modern life, providing peace of mind and financial protection in the event of unexpected events. However, many people take out policies without fully understanding what they are paying for or what is covered. This can lead to unpleasant surprises when it comes time to make a claim.

To avoid this, it is important to take the time to fully understand your insurance policy before you need to use it. Here are some key things to keep in mind:

1. Read the fine print: Insurance policies can be complex, with lots of technical language and legal jargon. Take the time to read through the entire policy, including any exclusions or limitations that may apply.

2. Know what is covered: Make sure you understand exactly what is covered by your policy, as well as any limits or deductibles that may apply. This will help you avoid surprises when you need to make a claim.

3. Ask questions: If there is anything you don’t understand, don’t be afraid to ask questions. Your insurance provider should be able to explain the policy to you in plain language.

4. Review your policy regularly: Insurance needs can change over time, so it is a good idea to review your policy on a regular basis to make sure it still meets your needs.

By taking these steps, you can ensure that you have the right coverage in place and avoid any unpleasant surprises when it comes time to make a claim. Remember, insurance policies are there to protect you and your assets, so it is worth taking the time to fully understand what you are paying for.

Why did Bill Clinton and Hillary Clinton set up the Clinton Foundation? Why did Jeffrey Epstein donate millions of dollars to the Clinton Foundation and Haiti. Why did Bill Clinton frequent Haiti so much. Was Oprah Winfrey school for girls in Haiti? Was Pedophile Jeffrey Epstein the common denominator here? Here’s what Award Winning Liz Crokin has to say:

I guess I am going to fess up what happened yesterday. Saturday mornings is hectic for me. First, I live in a rural area, Brighton, Wisconsin which is close to the Illinois and Wisconsin border. Instead of garbage workers picking up weekly trash once a week, I many residents in my town go to the town hall parking lot where two large garbage truck is parked to collect the townspeople trash. I was going to blow off going to the dump at town hall but got notice that my Chase bank account was overdrawn. I got a BMO Harris account too but did not know how to Zelle from one account from one bank to a different account in a different bank. I said fuck it and I might as well go to the dump if I had to go to BMO HARRIS to learn how to use Zelle. I packed my SUV full of my weekly garbage and headed off to town hall to have the sanitary workers unlead the garbage. I then head of to BMO Harris which was about seven miles from town hall in Salem, Wisconsin. I did not realize that I did not have online banking and you cannot open a Zelle account at two different banks with the same email address. I arrived at BMO Harris Salem, Wisconsin branch around 10:30 am. I was greeted by Kylie at the customer teller counter. Kylie analyzed my checking and savings accountd and was dumbfounded for a little while. She then got assistance from her colleague Shannon. They both try to rigure it out themselves and something was not adding up. Therefore, they contacted the regional help desk center of BMO Harris in front of me and got to investigate why I had an online account but could not use it and why I could not send a $77 dollar overdraft I owed Chase. Banks normally close at 12 pm or 1 pm on Saturdays. Kylie and Shannon diligently worked very hard to get me all set up. The reason why my Zelle account at BMO Harris would not work was because my online banking was not quite set up. Kylie and Shannon set up my online banking, set up my Zelle account, and updated all of my digital online banking information such as the current email address, personal cell number, and ordered new checks. Frank at the teller counter has also helped. I have dealt with Frank for over a year at the Salem Wisconsin Branch of the Salem, Wisconsin Branch. I am sold now why BMO Harris Bank has such a great reputation. It is the people that make a great company and now I know why. Like to commend upper management for having such a great team of professionals at BMO Harris Salem, Wisconsin.

Like God created man and woman and nothing in between, people either love former President Donald Trump or hate him with a passion. Nothing in between. President Donald Trump is becoming increasingly popular as time passes. The more Democrats try to hang him the more popular Trump is becoming popular. Many Democrats are changing parties and supporting Donald Trump. Over 8 million Biden voters have switched sides to support Trump. Today, the Supreme Court ruled 9 to 0 overturning Colorado Supreme Court ruling Trump banned from the 2024 Presidential election. The Supreme Court ruled no states can rule Trump cannot run in the 2024 Presidential election.

https://youtu.be/zizM0cB-rUY?si=rAr1-QhrQc-z2zkX

Spoke with Gustan and he mentioned his friend is a professional German Shepherd training professional. What are Dutch Shepherd dogs.

Here’s the link to Mark Chen trained Dutch Shepherd dog.

• This discussion was modified 1 year, 2 months ago by  Gustan Cho.

This forum thread applies to GCA FORUMS Insurance Expert @Brent . If someone gets arrested for a drunk driving offense, what happens to your auto insurance policy. Does the insurance carrier drop you? Do you need to get any other forms of insurance? Will there be a difference between auto insurance policy premiums with a driving under the influence dismissal in court and a driving under the influence conviction? Will the drink driving conviction affect your homeowners insurance coverage and premiums or is it treated independently. Thank you in advance, Brent

Bidenomics is destroying our economy and inflation is going through the roof, prices at the grocery store is becoming unaffordable, interest rates are soaring with no signs of green light at the end of the tunnel. What is a family with children and pets supposed to do. Many people are putting their beloved dogs and cats up for adoption because they can no longer afford food and veterinary care for them. The only solution that may help but not solve the economic problems we are facing is planting your own garden. $100,000 salary is no longer high income. You cannot survive with $100,000 salary if you have a family. Most people no longer can afford a house due to home prices soaring out of control and mortgage rates in the 7 percent range with the Democrats and Globalists saying we had a soft landing and Joe Biden Bidenomics was the magic pill that stopped a recession and economic nightmare. Bidenomics is a crock of shit and enough is enough with false economic fake news and propaganda the liberal lunatics are trying to brainwash the American people. Many people are hesitant to plan a Garden because of the Chem trails. Biden, Pelosi, Obama, Clinton, Bill Gates, The Rothschild Family, George Soros, Chuck Schumer, and countess Democrats and Globalists are trying to destroy America, depopulate the world, and restrict the food and Housing Supply. Look at the false manipulated stock market. Look at how they are printing money that is not backed by any source of assets. Anyways, here is an informative guide on starting your own garden Bed.

https://suite101.com/raised-garden-bed-plans/

suite101.com

30 Free DIY Raised Garden Bed Plans (PDF Instructions)

Find 30 free diy raised garden bed plans (pdf instructions) that contain step-by-step instructions on how to build a raised garden bed.

Home Systems: Did you know that the age of your home and what it takes to run the home affect your insurance?

Electrical: If it is not up to date and in working order, this can be an underwriting concern for insurance companies.

“Working Order” – this does not only mean that it has been checked on but updated to maintain a safe environment. Electrical work such as knobs and tubes, extension cords, and fuse boxes are risks that insurance companies can deny due to their underwriting guidelines. The reason that they would reject the items listed above would be due to the fire hazard they pose.

Plumbing: Once again, working order is excellent, but it can affect your insurance rates or eligibility with insurance carriers, causing your premium to spike or become ineligible with a carrier.

Plumbing to watch out for Galvanized Steel, Cast iron, and polybutylene, all plumbing types that might make a property ineligible or cost you an increased premium.

Furnace Age: The last time the furnace was replaced and the heating type of a home can determine a lot about potential claims in the future and cause your eligibility and insurance premiums to be higher.

The furnaces to watch out for are wood stoves, pellets, coal, stand-alone, space heaters, and fireplaces as primary heat sources.

Also, it is much better if a dial or a smart home system thermostatically controls the heat.

Roof Age: The roof age will qualify you for several discounts on your home insurance! A new roof protects the inside of your home from further damage, thus lessening the blow of a larger claim payout.

When a roof is outside the 15-year-old mark, consider putting a new one on yourself or face potential claims/out-of-pocket expenses for which you may not be ready. This could make your roof’s Actual Cash Value(= market value – depreciation) depending on how old the roof is. This can lead to a deductible plus the depreciated value of the top that you now owe besides your selected deductible.

ACV or actual cash value can lead to more unexpected costs you might only have been aware of once it is too late!

These items can help your clients choose a property that works for them and their expected budget. Negotiating on a contract might help your borrower save money on the purchase price and keep more money in their pockets! This is also excellent knowledge when prospecting with your real estate agents to help them stand out amongst a crowd and be the best they can be! Please let me know if you have any questions, and feel free to ask!