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Mortgage Insurance Premium on Non-QM Mortgage Loans: What You Need to Know When buying a home, mortgage insurance premium often pop up, especially if you’re putting down less than 20%. But what about non-QM mortgage loans? Do you still have to pay a mortgage insurance premium if you’re going non-QM? In this guide, we’ll break…
Non-QM Mortgage Guidelines: Your Guide to Getting Approved in 2025 If you’ve been told you don’t qualify for a traditional mortgage, don’t give up. Many homebuyers and investors are getting approved through non-QM mortgage loans. In this guide, we’ll break down the latest non-QM mortgage guidelines in 2025 so you understand your options and how…
Everything You Need to Know About 85% LTV Jumbo Loans: Your Guide to Financing a High-End Home in 2024 Are you looking to buy a high-end home or refinance your luxury property? If so, an 85% LTV Jumbo Loan could be your perfect option. Jumbo loans are a specialized form of financing designed for high-value…
Non-QM mortgage rates are determined by the down payment, credit scores, credit history of the borrower, and type of property. The higher the credit score and the higher the down payment, the lower the mortgage rates.
In this blog, we will cover and discuss qualifying with non-QM mortgage lenders in Connecticut for borrowers who cannot qualify for qualified mortgages. Gustan Cho Associates (Gustan Cho Associates) are mortgage brokers licensed in 48 states with a large clientele base in Connecticut. The coronavirus outbreak of 2020 took a toll on millions of Americans,…
Dozens of non-QM loan programs have been launched for 2021. The dozens of alternative mortgage loan programs is fueling the booming housing market and drying up inventory of home. Thus, it is skyrocketing home prices even more.
This guide covers subprime loans and non-QM mortgages. Borrowers who have bad credit or not enough income due to self-employment or other reasons may not qualify for a conventional loan or a low down payment loan offered by FHA, USDA, or VA. Borrowers who cannot qualify for traditional conforming mortgages may consider subprime loans and…
In this blog, we will cover and discuss the top-rated five-star Washington DC lenders for traditional and non-QM mortgages who have the best mortgage rates. Washington, DC has one of the highest home prices in the nation. Whether you have great credit, bad credit, or are seeking unique non-QM and alternative financing loans with multiple…
In this blog, we will cover and discuss the non-QM mortgage update from non-prime lenders. Ever since the coronavirus outbreak in February 2020, there have been many changes in non-QM mortgage loans. Non-QM mortgage update from non-prime lenders seems like it is happening more often than any other mortgage program. Recently non-QM mortgage lender Sprout…
This Article Is About Non-QM Eligibility Guidelines On Non-QM Mortgage Loans As the major regulatory agencies continue to tighten the guidelines on mortgage lending, the NON-QM mortgage products are thriving. If you have not heard of a NON-QM mortgage loan, this blog is for you Gustan Cho Associates Mortgage Group offer a full slate of…
This article is about Benefits Of Using Non-QM Mortgages For Home Buyers Advantages And Benefits Of Using Non-QM Mortgages For Home Buyers: Preparing for a mortgage can be a difficult process in 2020 Since the real estate crash of 2008, the federal government has stepped in to oversee mortgage regulations The restrictions and guidelines have…
This BLOG On FHA Back To Work Versus NON-QM Mortgages And Pros And Cons Was UPDATED On May 5th, 2019 FHA Back to Work Extenuating Circumstances due to an Economic Event mortgage loan program was launched on August 15, 2013 and many home buyers with a prior bankruptcy, foreclosure, deed in lieu of foreclosure, and short…
Refinancing Non-QM Loans: How to Lower Your Rate and Save More If you took out a Non-QM loan to buy your home, you’re not alone. Many borrowers turn to Non-QM (Non-Qualified Mortgage) loans when they don’t meet the strict requirements of traditional mortgages. Whether you were self-employed, had a recent bankruptcy, had low credit scores,…
Understanding QM-Qualified Mortgages: What Borrowers Need to Know in 2025 If you’re thinking about buying a home or refinancing, chances are you’ve heard about QM-qualified mortgages. But what exactly does it mean, and why does it matter to you as a borrower? This blog will briefly summarize everything you need to know about QM-qualified mortgages….
NON-QM Versus Traditional Mortgage: Which is Right for You? Finding your way through the complex array of mortgage choices can seem daunting. As we move into 2024, the world of finance is changing quickly, and it’s important to know the key differences between non-QM versus traditional mortgages. If you are thinking about buying a home…
Want to know about Non-QM cash-out refinance mortgage? If you’re a homeowner who wants to use your home’s value to get some cash, or if your financial situation is a bit different, this guide is perfect for understanding all you need to know about Non-QM cash-out refinance mortgages in 2024. What is a Non-QM Cash-Out…
In this article, we will cover and discuss non-QM and bank statement mortgage with no income verification. Non-QM and bank statement mortgage loans do not require income verification. Therefore, income tax returns are not required on non-QM and bank statement mortgage loans. Gustan Cho Associates offer a wide variety of mortgage products. Over the past…
In this blog, we will cover and discuss using non-QM versus jumbo mortgages to purchase high-end homes. Using non-QM versus jumbo mortgages to buy high-end homes is becoming increasingly popular. Traditional jumbo loans have strict lending guidelines due to the risk layer lenders need to take. Most traditional jumbo lenders may require a 740 credit…
The asset-depletion mortgage loan program benefits higher net worth individuals who do not have a regular steady income. Non-QM loans are becoming increasingly popular and benefit borrowers who need alternative nontraditional mortgage loan programs.
What Are The Eligibility Mortgage Guidelines On Investment Property Loans? Real estate investors can take advantage of the new non-QM and alternative loan programs for investment properties. Dozens of non-QM loan programs have been launched recently for real estate investors.
This guide covers the best Jumbo Florida mortgage lenders. for prime and non-QM loans. The Florida housing market is hot and from the look of thing. There is more demand for housing than inventory. FHA and Conventional mortgages have maximum loan limits on government and conventional loans in Florida. Homebuyers in the market for higher-end…
This guide outlines the advantages of Non-QM loans and Non-Traditional Mortgages. Gustan Cho Associates serves as your reliable ally for Non-QM and Non-Traditional Mortgages. Non-QM and Non-Traditional Mortgages, also known as alternative financing mortgages, are distinct home loan options. These alternative financing loans diverge from the standard lending criteria of traditional government or conventional loans….
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