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Quick Answer: How to Negotiate a Home Purchase in 2026 To negotiate a home purchase in 2026, start with a strong pre-approval, understand whether you’re in a buyer’s market or seller’s market, and make an offer that balances price + terms (closing timeline, contingencies, and seller concessions). Use comparable sales (comps) to support your number,…
Home Purchase Loans: Traditional and Non-QM Options for 2026 Home purchase loans are the financing options that make it possible to buy a home—whether you’re a first-time buyer, upgrading to a bigger place, or purchasing after a credit event. The right loan affects everything: how much house you can afford, how much cash you need…
Sacramento California Home Purchase: 2026 Mortgage Guide for All Buyers Buying a home is a big decision; if you’re looking at a Sacramento California home purchase, you’re not alone. As one of the fastest-growing metro areas in California, Sacramento is full of opportunity, culture, and affordability compared to other parts of the state. Whether you’re…
California Extra Credit Teacher Home Purchase Program: 2025 Guide for Teachers Buying a Home If you work in education and dream of buying your own home in California, you’re in luck. The California Extra Credit Teacher Home Purchase Program (ECTP) is made just for you. This program gives teachers and school staff a hand with…
If you’ve been turned down for a mortgage, it doesn’t mean homeownership is out of reach. One powerful option many buyers overlook is owner financing on home purchase. Instead of borrowing from a bank, you make payments directly to the seller. Owner financing can help buyers with credit issues, self-employed income, or limited documentation become…
In this article, we will cover and discuss helping your realtor and lender help you with a home purchase. I know sometimes it can be hard finding the right Realtor. I also know that once you have made that decision, there are some tips that can make your Home Buying Partnership more successful. Helping your…
Homebuyers should take time and ask as many questions as possible prior to the homebuying process. This holds especially true even if they are purchasing the home cash.
This guide covers Indiana home purchase and how Indiana is ranked as the best place to live with low cost of housing and low cost of living. While tens of thousands of residents are moving out of Illinois, Indiana is flourishing. Indiana is the 17th most populous state in the United States. The state is…
This guide covers purchase offer rejected by sellers on homes. We will also cover why your purchase offer gets rejected why others get accepted. The housing market has recovered in the past two years and it seems like it will continue to recover. Alex Carlucci, a senior mortgage loan originator and an associate contributing editor…
This guide covers buying home cash and refinancing afterwards to get a better deal on the home purchase. It is no secret that home sellers tend to accept a cash offer by homebuyers. Often times, sellers will give cash buyers a better deal than buyers with mortgage contingencies. John Strange, a senior mortgage loan originator…
This guide covers short sale home purchase process by homebuyers. Due to the financial and credit collapse of 2008, foreclosures rates hit an all time historical high. Real estate values plummeted more than 50% or more in some areas in the United States. Millions of Americans lost their jobs and were forced into bankruptcy. Million…
Are There Any Mortgage Lenders That Offer 95% CLTV Jumbo Mortgages For High-End Home Purchases? Gustan Cho Associates are experts in helping buyers of high-end homes qualify for 95% CLTV Jumbo Mortgages for high-end properties.
In this blog, we will cover and discuss qualifying and getting a mortgage approval for home purchase on acreage in rural areas. Gustan Cho Associates is licensed in 48 states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands. We have dozens of options for mortgage approval for home purchase on acreage in rural…
In this blog, we will cover and discuss IHDA mortgage guidelines on Illinois home purchases. The Illinois Housing Development Authority (IHDA), commonly referred to as IHDA, is a down payment assistance mortgage program for homebuyers in Illinois. IHDA mortgage guidelines make homeownership possible for homebuyers in Illinois by covering the down payment and closing costs…
This BLOG On Conforming Loan Limits Versus NON-QM Loans On Home Purchase Was UPDATED On January 3rd, 2025. Understanding your financing options is important to making an informed decision when purchasing a home. The popular mortgage loan types are conforming and non-QM (non-qualified mortgage) loans. Each provides distinct borrower needs and comes with unique benefits…
The Complete Guide to the Mortgage Closing Process in Illinois: Everything You Need to Know Buying a home is one of the most significant financial decisions you’ll ever make. It’s a significant milestone, and it might seem daunting—particularly when you’re trying to grasp the mortgage closing process. In Illinois, the mortgage closing process is a…
Mortgage Guidelines on Co-Borrowers: Everything You Need to Know for 2024 If you want to buy a home and need extra help qualifying, you might consider adding a co-borrower to your mortgage application. Understanding the mortgage guidelines for co-borrowers is key, whether it’s a family member or someone else. This decision can be the key…
Homebuyers do not need great credit and high credit scores to qualify for a mortgage. You can have outstanding collections and charged-off accounts and qualify for a mortgage as long
Unlock Your Dream Home with Just $100 Down: How the HUD $100 Down Payment Program Can Make Homeownership a Reality in 2024 If you’ve been dreaming of owning a home but need a hefty down payment, think again! The HUD $100 Down Payment Program is a game-changer, making purchasing a home with just $100 down…
Buying a house is a big deal, and there’s a lot you need to check to make sure you’re making a smart choice. One important thing to look at is septic inspections on home purchases. This is especially important if the house has its own system for dealing with wastewater. This guide is here to…
Can I Qualify For A VA Loan With A Lender With No Lender Overlays In Mississippi? Absolutely, Gustan Cho Associates is a lender with no lender overlays on VA loans and is licensed in Mississippi.
Understanding Sellers Concessions and Tax Prorations in Illinois Home Purchases Illinois home buyers benefit from a unique financial advantage that sets them apart from buyers in many other states. Illinois is characterized by its system, where property taxes are paid in arrears. This means that sellers must credit buyers with the property taxes for the…
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