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ByAlex Carlucci
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In this article, we will discuss and cover qualifying for an FHA streamline refinance in Wisconsin with the best rates and closing in two weeks. Gustan Cho Associates offers FHA streamline refinance in Wisconsin with no appraisal, no income with a fast-track no stress mortgage process. The FHA Streamline Refinance in Wisconsin mortgage process is…
ByAlex Carlucci
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In this blog, we will cover and discuss working with real estate agents who are also NMLS licensed mortgage loan originators. Real Estate Agents are licensed professionals. Realtors work with home buyers and sellers. Agents are knowledgeable not just in helping buyers with buying and selling homes. They are extremely knowledgeable in lending, insurance, appraisals,…
ByAlex Carlucci
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We will be comparing FHA loans versus non-QM loans for homebuyers with credit/income issues and have you fully understand the comparison of the two. The two most popular programs for homebuyers with bad credit with low credit scores are FHA and Non-QM loans. There are dozens of new and updated non-QM mortgage loan programs that…
ByAlex Carlucci
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In this blog, we will cover and discuss the New Jersey Housing Market. New Jersey has the highest property tax rate in the nation but that is not slowing down home sales and home prices. New Jersey Housing Market is expected to be stronger than expected in 2022. New Jersey Housing Market has been growing…
ByAlex Carlucci
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In this article, we will discuss and cover the rising mortgage rates in hot housing market for homebuyers with skyrocketing home prices. Since Joe Biden took office, inflation has gone through the roof. Home prices are out of control. The ten-year treasuries are nearing 3.00% which is unheard of. The Dow Jones Industrial Average is…
ByAlex Carlucci
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In this blog, we will cover and discuss USDA loans after Chapter 7 Bankruptcy Mortgage Guidelines for first-time homebuyers. USDA lending guidelines for first-time homebuyers allow buyers to purchase a home with no money down and 100% financing. Per USDA Lending Guidelines, not all areas are eligible for USDA loans. The U.S. Department of Rural…
ByAlex Carlucci
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In this blog, we will cover and discuss tax settlement for borrowers who have tax liens. With the advent of TurboTax, mostly everyone can become a do-it-yourself tax preparer. But as we all know, with any do-it-yourself project, there are sometimes mishaps or consequences of not being fully informed or prepared. Most people can do…
ByAlex Carlucci
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In this blog, we will discuss and cover buying home near schools for first-time homebuyers. There are pros and cons of Buying Home Near Schools. Buying Home Near Schools is like having a neighbor that has students congregate Monday through Fridays from 8 in the morning and by 4 pm, they all leave. This will…
ByAlex Carlucci
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In this blog, we will cover and discuss how to avoid customer complaints by mortgage borrowers. Mortgage customer complaints have peaked at a three-year high due to the craziness in volume in the mortgage industry. More and more companies have implemented tougher lender overlays due to the coronavirus outbreak. Conditional Loan Approval and Neverending Mortgage…
ByAlex Carlucci
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In this blog, we will cover and discuss keyboard bullies and how it affects people and communities. Social media can be described as one of the best things ever created. However, as time goes on, there are more and more negatives on the other side of the argument. Now I bet you are thinking, how…
ByAlex Carlucci
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In this blog, we will discuss and cover qualifying and getting approved on FHA loans with not paying off collections and charged-off accounts. I met Gustan Cho when I was working with another lender as a licensed mortgage loan originator. I was seeking out some information concerning a loan that I was working on at…
ByAlex Carlucci
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In this blog, we will cover and discuss the teamwork at The Gustan Cho Team at Gustan Cho Associates. All places of work have different types of employees, all bringing their own strengths and weaknesses. As leaders, we try and select employees who bring the highest skill level to their respective responsibilities. But also try…
ByAlex Carlucci
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Homebuyers in Kansas with prior credit issues can now qualify for bad credit mortgage loans Kansas with credit scores as low as 500 FICO. The housing market in Kansas is booming. The Kansas bullish housing market is forecasted to continue to be strong for the next several years despite the rising inflation, coronavirus vaccine mandates…
ByAlex Carlucci
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In this blog, we will discuss and cover how Gustan Cho Associates has been named top places to work by Loan Consultants. Loan Consultants named Gustan Cho Associates as the number one winner of the 2022 Top Places To Work. Close to 150 mortgage companies were contenders in Loan Consultants.Org Journal Best Places To Work….
ByAlex Carlucci
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In this blog, we will discuss and cover Fannie Mae Guidelines on mortgage after foreclosure on conventional loans. Fannie Mae and Freddie Mac are the two mortgage giants that set conventional mortgage requirements. Conventional Loans are also called conforming loans because they need to conform to Fannie Mae and/or Freddie Mac Guidelines. Government Loans are…
ByAlex Carlucci
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Cash-out refinance mortgage rates are higher than rate and term refinance rates. Cash-out mortgage rates are substantially higher for homeowners with lower credit scores. The combination of historic high home prices and record-low mortgage rates is fueling many Americans to do a cash-out refinance mortgage loan and tap into their home equity. What Do People…
ByAlex Carlucci
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Florida homeowners with FHA Loans that closed on their home loans prior to January 26, 2015, don’t miss an opportunity to get an automatic 0.05% reduction in their Florida FHA Annual Mortgage Insurance payment as well as a rate reduction. There’s never been a better time to get the most bang for their buck on…
ByAlex Carlucci
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Gustan Cho Associates like to thank and wish all of our clients, viewers, and partners a very Merry Christmas from Gustan Cho Associates Mortgage Group. The Team at Gustan Cho Associates had a record-breaking 2021 and is looking forward to a spectacular 2022. We have added very talented licensed and support personnel to our growing…
ByAlex Carlucci
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One of the most frequently asked by first-time homebuyers is what are the credit requirements needed to get approved for a mortgage. Every mortgage loan program has its own minimum credit requirements. We will cover the general credit requirements on FHA, VA, Conventional, Jumbo, and Non-QM loans. In general, mortgage companies rely heavily on credit…
ByAlex Carlucci
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Eligible active duty and retired veterans meeting the minimum Washington VA loan requirements can qualify for VA loans with no minimum credit score requirements, no maximum debt to income ratio caps, and no maximum loan limits. Washington has one of the highest home prices in the nation next to California. FHA and conventional loans have…
ByAlex Carlucci
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This article is about a borrower’s testimonial on My Experience with The Gustan Cho Team at Gustan Cho Associates. We will discuss and cover a borrower’s experience with Gustan Cho NMLS 873293 of Gustan Cho Associates Mortgage Group. Many buyers start the mortgage process of mortgage approval by going to their local bank. This is great,…
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