Buying House During Off Season: A Smart Guide
Buying when most people pause — late fall through winter — can mean less competition, more negotiating power, and sometimes…
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APR Versus Interest Rate Quoted By Mortgage Lenders
APR Versus Interest Rate: What Homebuyers Need to Know in 2025 When you shop for a mortgage, you’ll see two…
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Traditional and Non-Prime Investment Home Mortgage Loans
Investment Home Mortgage Loans: 2026 Guide to No Doc, DSCR, and Non-QM Options Getting the right investment home mortgage loan…
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Manual Underwriting | Compensating Factors | FHA Loans | High Debt To Income Ratio | VA Loans | Verification Of Rent | Videos
DTI Manual Underwriting Guidelines on FHA and VA Loans
TL;DR: DTI Manual Underwriting Guidelines (2026 Update) If a computer system says “no” to your mortgage because your debt-to-income ratio…
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Self-Employed Mortgage Borrowers With No Income Tax Returns
In this guide, we will cover self-employed mortgage borrowers with no income tax returns required on a home purchase. Many…
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Owner Financing On Home Purchase For Buyers And Sellers
If you’ve been turned down for a mortgage, it doesn’t mean homeownership is out of reach. One powerful option many…
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Illinois Financial Crisis: Simple Guide for Worried Families
The Illinois financial crisis has been building for decades. It is not just a headline or a political slogan. It…
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Mistakes Sellers Make Choosing a Realtor (And How to Avoid Them)
Selling a home is a big money move, and who you hire to help you can add or remove tens…
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Buying a Home During Economic Uncertainty: Smart Guide
Buying a home during economic uncertainty can feel scary. News headlines discuss layoffs, inflation, rising prices, and shifting interest rates….
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Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | Mortgage Processing And Underwriting | VA Loans | Videos
Bankruptcy Mortgage Guidelines on Waiting Period
In this blog, we will discuss and cover the bankruptcy mortgage guidelines on government and conventional loans. All mortgage loan…
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Rental Payments Reported on Credit Bureaus
Many Americans are familiar with the terms Fannie Mae and Freddie Mac, but may not know exactly what they represent….
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Using Non-QM Loans After Being Denied: Your Second Chance
Getting a denial letter after you’ve already fallen in love with a home is stressful, embarrassing, and, honestly, heartbreaking. The…
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FHA Credit Score Determines Mortgage Rate Pricing For 2025
In this article, we will discuss and cover how FHA credit score determines mortgage rate pricing on FHA loans. FHA…
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Getting Pre-Approved Prior To Moving To Utah
Gustan Cho Associates is a mortgage broker licensed in 48 states (Not licensed in NY, MA) with a wholesale lending…
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Top 10 Most Expensive States To Buy a House In 2026
The latest data of the top 10 most expensive states to buy a house in 2026 has been released and…
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VA Loans Kentucky: VA Eligibility Requirements And Guidelines
Active and/or retired members of the United States Armed Services and eligible surviving spouses of eligible veterans in Kentucky can…
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How the Jobs Report Affects Mortgage Rates: A Complete Guide
If you’re shopping for a home, refinancing, or advising clients, you’ve probably noticed that the first Friday of the month…
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Illinois Pension Crisis: What It Means for Home Buyers Today
Illinois homeowners have heard about the Illinois pension crisis for years—but what does it actually mean for your wallet, your…
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FHA Versus Non-QM Loans for Bad Credit Borrowers
We will be comparing FHA versus non-QM loans for homebuyers with credit/income issues and have you fully understand the comparison…
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New Jersey Housing Market Stronger Than Expected For 2026
In this blog, we will cover and discuss the New Jersey Housing Market. New Jersey has the highest property tax…
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House Flipping: Guide to Risks, Rewards & Profitable Deals
House Flippers are thriving. Many house flippers have lost their entire fortune in the 2008 housing crisis but are now enjoying the lucrative housing market. With the combination of the booming housing economy, low mortgage rates, the introduction of new non-QM loan programs for real estate investors, and the low inventory of housing, real estate investors are buying up any potential flip. This holds true even with a huge markup.
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Health Insurance Special Enrollment Rules You Must Know
If you missed open enrollment or your life just changed, you don’t have to wait a whole year to get…
