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A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.
When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.
I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.
I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.
When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.
I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.
I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!
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Happy Thanksgiving !!
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I have a broker that is representing the seller in a transaction that is falling out.
Buyer has home listed in Canoga Park for $900k that they need to sell before they will qualify on a home.
Would it be possible to lend in this situation and if so what would be a range of possible rates?
I’m still collecting information but I’d like to give them some general feedback.
Best regards,
Taylor Gilmore
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Decor trends come and go, but the Modern Farmhouse, Boho Chic and Industrial style seems to be here to stay. There are styles are always evolving and changing in scope, but the core theme remains. Where do you find style inspiration?
A few that I enjoy are
https://www.laurelmercantile.com/
https://www.netflix.com/title/81088239
https://www.hgtv.com/shows/home-town
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This discussion was modified 6 months, 3 weeks ago by
Sapna Sharma.
studio-mcgee.com
Studio McGee: Beautiful Interior Design & Home Decor
Explore Studio McGee for timeless home decor and interior design. From design to lifestyle, everything you need to make life beautiful!
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California is facing a severe housing inventory shortage despite high rates, soaring inflation, and Californians fleeing the liberal state. Read this informative article by Sarah Wu
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Credit Karma is not accurate for mortgage credit scores but it is a great indicator. If Credit Karma is high, so will your mortgage credit scores. The mortgage credit scores are generally lower than Credit Karma.Creidt Karma is easy to use and you get Transunion and Equifax but not Experian.
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DSCR mortgage loans require a 20% to 30% down payment. The down payment depends on the borrower’s credit score. The lower the credit scores the higher the down payment requirement on DSCR loans. There is no income tax returns required on DSCR loans.
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This discussion was modified 3 years, 2 months ago by
Eric Jeanette.
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This discussion was modified 3 years, 2 months ago by
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Jumbo loans are home loans that exceed the maximum conforming loan limit of $726,200. To be within the conforming loan limit is required to qualify for conventional loans. Any loans exceeding the 2022 conforming loan limit of $726,200 set by the FHFA are referred to as non-conforming loans or jumbo loans.
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Fannie Mae and Freddie Mac are the two mortgage giants that set the agency mortgage guidelines on conventional loans. Conventional loans are often referred to as conforming loans. Conventional loans are referred to as conforming loans because the two giant government-sponsored enterprises (GSEs) will not purchase conventional loans on the secondary market if conventional loans do not conform to their mortgage standards.
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Having your driver’s license in the 1970’s was the coolest time. All the muscle cars were available. Chevy SS, GTO, Camaro, Vets, Mustang and Firebird. All the GMC cars during this time had similar bodies. I guess my favorite was the Camaro. I remember when friends came back from Viet Nam, the Camaro was the car of choice. My first car was a 1964 Olds 44, a monster car, it cost me used $400 in 1971 and the Insurance $440 a year. Still I always dreamed of the Camaro.
As kids we worked on cars ourselves never going to a mechanic. We went to the auto store on 14th Stret and Avenue C in New York. One time my friend had a broken ball joint and his car sat in front of my building for weeks until we figured out how to fix it. I still dreamed of my Camaro.
Years passed and I never owned a Camaro, until one day at an airport I decided to rent a Camaro. I thought I was in heaven, finally I can drive the car of my dreams. There was one problem. The years that past added weight to my belly and I could not bend over easy enough to get in! I returned the Camaro with tears in my eyes and rented a mini van which was more suitable.
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Stepping Into an Honored Life
I am an old, wheel-worn pair of shoes that sit in a box in the back of a closet. I am just a reminder of days past. My owner takes me out of the box and slides his feet into me every so often. We aren’t going anywhere; he stares down at me like an old friend.
I worked manual labor for ten years, mostly concrete work. I am caked with cement and water. My leather is well worn; talk about an old comfortable pair of shoes. A good part of me built my owner’s house, my laces have been replaced dozens of times. I originally started out dark brown, but now I am more tan from the sun.
I have poured foundations, climbed high on scaffolds, and worked in the cold of winter until I began to crack. I never complained in the great heat of the summer when the temperature was over 100 degrees. I fought the rain during construction; although water-logged, I still worked. I gave comfort and support to my owner.
He is a good family man who cares for everyone. I can recall walking in 5K races for charity – who else would he wear except me!
When I was first purchased, I was young and inexperienced. I needed time to get broken in. In the beginning, I heard I was painful but mellowed as time passed. Over the months, we both adjusted to one another. My owner’s toes conformed to my length, his arches molded my shape, and his soles sat deep within me. I know all the bones in his feet. At times, I felt the entire weight of the world on me, yet I never wavered and stood tall. I never faltered, tripped, or fell. I am a living part of this man.
When my owner injured his ankle, I was there to help change my shape due to his limp, so he was able to continue working. His ankle was so swollen he could barely tie my laces, but we still continued to work.
I am often pulled out of the closet to perform the dirty job of working with cement or paving the driveway. This is not what I thought retirement was about. At times I am used for “dress up,” a game with his grandchildren, an honor, I suppose.
For some reason, I have been moved from my nice and cozy closet to the steps entering the house from the garage. My days may be numbered, or I may be put back to work.
When the grandchildren come to visit, they run to greet me. They have heard the stories of construction. Part of this new project will be a man-cave for the owner, adorned with his trophies and awards. I’m not sure what part I am playing in this new venture.
The new construction has started! I sit idly by, waiting for instructions. I am not being used, but I’m ready for work! Put me in coach; I’ve still got some life left in me. My owner bought a new pair of construction boots, and I am deeply saddened. They are black and shiny. The work continues with pouring a foundation, and I eagerly want to work, but no one needs me.
The work is done, the man-cave is great! A bookshelf is built into one wall that will display all the items near and dear to my owner. Some weeks pass, and a large cauldron is brought into the garage and placed alongside me.
I have no clue what it is here for. They pour some metal into the large pot and begin to heat the pot. The fumes are sickening, and I am worried I will be destroyed! I am placed inside; I can’t believe that this is my demise. After minutes in the pot, I began to sweat; the heat is unbearable. Finally, I emerge as a pair of bronzed shoes; I am not dead. The owner then places me on his bookshelf next to the bronzed baby shoes of his grandchildren. I have become immortal. The owner places a beautiful plaque next to me that reads:
“To my loyal friend. You stood by me as I built this life and family. It would never have been possible without you.”
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Can you merge multiple websites together into one new short URL. What are the benefits and negatives and how does it affect Domain Authority and unique daily visitors.
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I like to explore an idea of starting an online message forum. General FAQ questions from the public so local homeowners or real estate investors can ask questions about home improvement. How can I go about creating one and who can I hire.
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Being Italian and I learned how to cook by watching my family. They didn’t write recipes, and to this day I don’t use recipes. All I want to know is how long and how hot to cook the protein. So, here is a quick pasta dish that requires no recipe. Cacio E’ Pepe. Five ingredients; past, preferably a linguine or bucatini, a good parmigiano cheese, like a Reggiano or Pecorino Romano, butter, salt and pepper. Boil pasta al dente, drain, reserve a little water, return to pot and stove. Add butter, salt, pepper and pasta water, stir and serve. Cacio means cheese and Pepe means pepper, so season accordingly.
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I had the pleasure of being one of the contributing writers.
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Here’s a video for crime of the crime of the week folks
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When Cops crossed the line and violate a citizens civil and constructional rights, they will lose their jobs and get arrested, charged and sued. They are not above the law.
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What is the difference between traditional versus non-QM jumbo mortgage loans?
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Exeter, Olyphant just two city name that claim the best pizza. In fact Old Forge, Pennsylvania lauds as being the “pizza capital of the world”, along with kielbasa. I have eaten pizza all over Italy, John’s on Bleecker Street, Grimaldi’s in Brooklyn, Patsy’s in East Harlem. I even eaten pizza on a grill created by a culinary student from Australia, feta cheese and olives. Love them all! My favorite pizzas from Northeast Pennsylvania are: Angelo’s, Sabatatini’s and Arcaro and Gennel. Next time you are traveling through NEPA stop for pizza, and don’t forget the kielbasa.
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A fellow member of GCA FORUMS directed me to ask GCA FORUMS members about generating my own organic traffic for Leads. I have been shit out of luck buying leads.
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Many new manufactured homes don’t look like manufactured homes. Looks more like custom homes. Some you can not tell the difference.
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What is Gustan Cho Associates? Gustan Cho Associates is the parent company of GCA stand for Great Community Authority (GCA) FORUMS and dozens of subsidiaries and affiliate partners. We are a not-for-profit information and resource center of mortgage and real estate content. We do not sell viewer information nor sell leads. Our support, operations, and licensed staff originate, process, and close all inquiry leads in house or refer them to reputable member partners. Our moderators and advisors have a track record of being able to qualify, approve, and close mortgage loans other lenders cannot do. Gustan Cho Associates power GCA stand for Great Community Authority (GCA) FORUMS and its sub-forums.
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This discussion was modified 3 years, 3 months ago by
Gustan Cho.
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This discussion was modified 3 years, 2 months ago by Gustan Cho.
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This discussion was modified 3 years, 2 months ago by Gustan Cho.
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This discussion was modified 2 years, 2 months ago by Sapna Sharma.
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This discussion was modified 2 years, 1 month ago by Sapna Sharma.
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This discussion was modified 1 year, 8 months ago by Sapna Sharma.
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This discussion was modified 1 year, 7 months ago by Sapna Sharma.
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This discussion was modified 3 months, 1 week ago by Sapna Sharma.
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This discussion was modified 3 years, 3 months ago by
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I have been in the mortgage and real estate industry since 1998. I have been running my mortgage branch for over ten years. During my tenure, I have worked with hundreds of wholesale mortgage lenders. Out of the hundreds of wholesale lenders I have worked with and thousands of loans my team has closed, I find Equity Prime Mortgage the most efficient of all lenders I have worked with. Hands down, it is the best wholesale lender for government and conventional loans with no overlays. EPM is the only wholesale lender in the nation that serves the underdog: The best lender for FHA and VA loans with credit scores down to 500 FICO, manual underwriting, and helping countless families be able to purchase a home during Chapter 13 Bankruptcy payment plan without the bankruptcy being discharged.
My team has been working with EPM since 2018, and to this day, Equity Prime Mortgage remains our wholesale lender of choice. Out of 210 wholesale lending partners in our wheelhouse and network, EPM, hands down, is the best lender I have worked with, am working with, and will always work with. No other wholesale mortgage lender comes close. From our wholesale account representative to the disclosure desk and processing team, underwriters, closing department, and last but not least, the management and executive team, the professionals at EPM have been there for the customer and loan officers. I realized that not all wholesale lenders are alike.
Far from it. When you first deal with Equity Prime Mortgage, any loan officer and branch manager will find out it is no secret that the company has a solid foundation. This is due to the leadership at EPM. Any successful company running as smoothly as Equity Prime Mortgage is not by accident. It all starts from the top down, the rank and file. It is the people that make a great team. The combination of the great teams in a company makes it great. It is the leadership that makes a great company a greater company year after year. I am a firm believer in positive criticisms and not compliments. With positive criticism, you strive to get better. However, EPM has been a Godsend to our team and thousands of loan officers. The team at Equity Prime Mortgage is our silent, unrecognized heroes.
I wanted to share how much we appreciate everyone at EPM. Due to EPM, my team and I have grown exponentially year after year. We are now licensed in 48 states and growing year after year. Amazing is an understatement for the professionals at EPM. Fast disclosures, processing, and underwriting, excellent communication with all areas of the process from underwriting to the closing, and an account rep who is always there to answer a question or assist in getting the loan through. And some of the best pricing in the industry. I highly recommend Equity Prime Mortgage to anyone. If you own a mortgage company, branch manager, or loan officer, you MUST get approved to do business with EPM. I have been in the mortgage industry a long time, and it is obvious that EPM spent time developing their systems and used mortgage professionals in the development process. From the time of submission to issuing your own CD to drawing your own doc instructions, their systems make sense, are efficient, and, despite TRID, you can get loans closed in 30 days or less.
I would like to thank the support and ops staff, our one and only superstar account representative Christian, the processing and underwriting team, the division managers, the professionals who run the closing desk, upper management, and the owners. There are no words to express our gratitude for being our heroes in helping our borrowers, and their families make the dream of homeownership a reality. God Bless.
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This discussion was modified 6 months, 3 weeks ago by Sapna Sharma.
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This discussion was modified 6 months, 3 weeks ago by Sapna Sharma.
gustancho.com
Best Wholesale Mortgage Lenders For Non-Prime Loans
Gustan Cho Associates looks out for their borrowers by having strong relationships with the best wholesale mortgage lenders for non-prime loans
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Over 35% of viewers at Gustan Cho Associates are from Gustan Cho Associates subsidiary and affiliate partnership websites and social media platforms. Due to having a network of 250 wholesale lenders, we have all traditional government and conventional loans with no lender overlays and hundreds of non-QM loan programs. Below is the list of our subsidiaries:
- GCA Mortgage Group
- Great Content Authority (GCA) Forums
- Non-QM Mortgage Brokers
- FHA Bad Credit Lenders
- Mortgage Lenders For Bad Credit
- Jumbo Mortgage Options
- Preferred Mortgage Rates
- Lenders For Bad Credit
- Multiple partner websites and social media platforms
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This discussion was modified 3 years, 3 months ago by Gustan Cho.
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This discussion was modified 3 years, 3 months ago by Gustan Cho.
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This discussion was modified 3 years, 3 months ago by Gustan Cho.
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This discussion was modified 1 year, 11 months ago by Gustan Cho.
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This discussion was modified 1 year, 8 months ago by Sapna Sharma.
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Manufactured homes are often better built and more functional than stick-built, ground-up, new construction-spec homes. In general, the cost of land and the acquisition of manufactured homes cost a fraction of the price of stick-built, ground-up new construction homes. You cannot tell its a manufactured home often times. Another great benefit of buying a manufactured home versus a ground-up construction stick-build home is that it takes less than half the time to build a manufactured home versus a ground-up new construction home. Buying a manufactured home and buying a ground-up, new construction-spec home are two different options with their own advantages and disadvantages. Here’s a comparison to help you understand the differences:
Comparing the Cost of Construction of Manufactured Homes versus Ground-Up New Construction Spec-Homes
Manufactured Homes: Manufactured homes are typically more affordable than ground-up new construction homes. They are constructed in a factory and then transported to the site, which can lead to cost savings.
Ground-Up New Construction Spec Home: These homes are typically more expensive because they are built from scratch on the property, and you may have more customization options.
Customization
Manufactured Home: While you can make some customizations to manufactured homes, your options are usually more limited compared to ground-up construction. You may have choices in interior finishes and layouts, but major structural changes can be challenging. Ground-Up New Construction Spec Home: You have more flexibility to customize a ground-up new construction spec home. You can work with the builder to choose materials, layouts, and finishes, tailoring the home to your preferences.
Quality
Manufactured Home: Quality can vary depending on the manufacturer and the specific model. Generally, manufactured homes are built to federal HUD (Housing and Urban Development) standards, which ensure a basic level of safety and quality: Ground-Up New Construction Spec Home: You have more control over the quality of materials and construction when building a new spec home, which can lead to a higher overall quality and durability.
Location: Ground-Up New Construction Spec Home: You have more flexibility in choosing the location for a ground-up new construction spec home, as you can buy a lot in various neighborhoods or areas. Manufactured Home: Manufactured homes are often located in manufactured home communities or on private land. The location may be limited to areas zoned for manufactured housing.
Resale Value:
Manufactured Home: Generally, manufactured homes tend to appreciate in value at a slower rate compared to traditional stick-built homes, which can affect resale value. Ground-Up New Construction Spec Home: Ground-up new construction homes often have better resale value and may appreciate more over time, especially if they are located in desirable areas.
Financing
Manufactured Home: Financing options for manufactured homes may be different from traditional mortgages and can have different terms and interest rates. Ground-Up New Construction Spec Home: Financing for new construction spec homes is typically similar to traditional mortgage financing, making it more straightforward for many buyers. Ultimately, the choice between a manufactured home and a ground-up new construction spec home depends on your budget, preferences, and long-term goals. Consider your priorities in terms of cost, customization, quality, location, and resale value when making your decision.
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This discussion was modified 2 years, 5 months ago by Gustan Cho. Reason: Want to get notified
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Is there such a thing as an odometer stopper? Does an odometer stopper roll back the odometer of your car? Is an odometer stopper illegal? How does an odometer stopper work? Is it a crime to install an odometer stopper on your vehicle?
https://www.facebook.com/share/v/j8fy76kcKupqZad5/?mibextid=D5vuiz
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Lamborghini Huracan With A Mileage BLOCKER 🤦♂️
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@RPE Johnny Joe. Gustan Cho asked me to reach out to you. I run a commercial loan officer business opportunity training school and have for the past twenty years. Gus is a very good friend of mine and he thought you and I may have mutual business interests and goals. Please reach out to me or let me know when you are available so we can see if Gustan is the real Nostradamas. I will tell you something about Gustan. He has been 100% right on all his forecast and not once wrong. Nice to meet you.
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So this teacher decides to give her 5th grade class an essay assignment. She asks the class, “What would you do with a million dollars?” All the kids start scribbling sentences, when off to the side sat this young just staring ahead. The says, “ Linda, did you not understand the question?” The girl responds, “ yes, ma’am I did, I’m waiting for my secretary.
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What do you do if your taco truck tips over? You call: 9-Juan Juan
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