James Spray
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wittyfalcon.bsky.social
James Spray
@wittyfalcon.bsky.social
Reverse Mortgage Specialist™ (Purchase & Traditional, HECM & Jumbo); Expert Witness; Consumer Credit Expert; NMLS 257365 | CO MLO 100008715
Dispute Credit Report Mistakes Effectively

Avoid scams by following these simple steps.
Dispute Credit Report Mistakes Effectively
Avoid scams by following these simple steps.
jamesspray.wordpress.com
July 22, 2026 at 11:29 PM
The Power of Credit Unions:

Join a credit union and ditch the for-profit bank.
The Power of Credit Unions:
Join a credit union and ditch the for-profit bank.
jamesspray.wordpress.com
July 4, 2026 at 12:42 AM
Littwin: The birthright citizenship ruling is a direct warning that you shouldn’t expect the Supreme Court to save us  coloradosun.com/2025/06/29/s...
Littwin: The birthright citizenship ruling is a direct warning that you shouldn’t expect the Supreme Court to save us
The Supreme Court says federal judges can’t issue nationwide injunctions against Trump’s unconstitutional orders
coloradosun.com
June 29, 2025 at 11:17 PM
April 11, 2025 at 6:03 PM
Reposted by James Spray
NEW: Senator Marshall (R-KS) RUNS AWAY, fleeing his own town hall after being asked about DOGE firing Veterans. MAKE HIM GO VIRAL.
March 1, 2025 at 6:21 PM
How To Force Women Back Into the Kitchen In 5 Obvious Steps
open.substack.com/pub/erinryan...
How To Force Women Back Into the Kitchen In 5 Obvious Steps
This is happening. Pay attention.
open.substack.com
February 24, 2025 at 8:39 PM
MAGAs are HHobbesianites

g.co/gemini/share...
‎Gemini - Discuss Hobbs v Rosseau
Created with Gemini
g.co
February 21, 2025 at 3:37 AM
February 19, 2025 at 4:14 AM
LESA – the Life Expectancy Set Aside fund

Meet the LESA As a preface, the Federal Housing Administration and the U.S. Department of Housing and Urban Development established Financial Assessment (FA), or, as I call it, underwriting light, in October 2015, revised in July 2016, for reverse…
LESA – the Life Expectancy Set Aside fund
Meet the LESA As a preface, the Federal Housing Administration and the U.S. Department of Housing and Urban Development established Financial Assessment (FA), or, as I call it, underwriting light, in October 2015, revised in July 2016, for reverse mortgages. FA determines a borrower's ability to fulfill reverse mortgage loan obligations, while maintaining their home and regularly paying property taxes and homeowner insurance (property charges).
jamesspray.wordpress.com
February 13, 2025 at 10:37 PM
Reposted by James Spray
We’re done here. Right?
February 11, 2025 at 10:05 PM
Reposted by James Spray
This fact sheet on the White House website lists bullet point items of what it alleges are “waste and abuse” at USAID. I was curious what they came up with. Actually every link is to articles at Daily Mail, Breitbart and Washington examiner. www.whitehouse.gov/uncategorize...
At USAID, Waste and Abuse Runs Deep
For decades, the United States Agency for International Development (USAID) has been unaccountable to taxpayers as it funnels massive sums of money to the
www.whitehouse.gov
February 6, 2025 at 5:49 AM
Pete Hegseth Promised To Stop Drinking if Confirmed as Secretary of Defense. Here's What He Said www.snopes.com/fact-check/h...
Pete Hegseth Promised To Stop Drinking if Confirmed as Secretary of Defense. Here's What He Said
The secretary of defense has been accused of alcohol abuse and various forms of misconduct — allegations he has denied.
www.snopes.com
February 2, 2025 at 11:29 PM
February 2, 2025 at 6:39 PM
Nicely done!
February 2, 2025 at 2:13 AM
Reposted by James Spray
Suddenly, out of nowhere, a declassified World War II-era CIA guide to sabotaging fascism in the workplace has become one of the most popular free ebooks on the internet:

www.404media.co/declassified...
Declassified CIA Guide to Sabotaging Fascism Is Suddenly Viral
The World War II-era "Simple Sabotage Field Manual" is full of steps that office workers can take to resist leadership.
www.404media.co
January 29, 2025 at 8:53 PM
Reposted by James Spray
January 27, 2025 at 3:11 AM