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Gustan Cho Associates has no lender overlays on VA loans. VA loans do not have a minimum credit score requirement nor a maximum debt to income ratio cap as long as the borrower can get an approve/eligible per automated underwriting system.
ByGustan Cho
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This guide covers how underwriters qualify income to approve mortgage loans. Many mortgage loan applicants do not have the role…
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This blog will cover Fannie Mae and Freddie Mac guidelines on qualifying for a conventional loan with non-occupant co-borrower. Non-Occupant…
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This article will discuss the guidelines for VA property tax exemption related to VA home loans. The VA has created…
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This guide covers using rapid rescore in the mortgage process. What is a rapid rescore? It’s a service accessible only…
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This blog post will explore the revised mortgage guidelines on Using Property Tax Prorations For Down Payment on a House….
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This blog will cover Fannie Mae Collection Guidelines on Conventional loans. Fannie Mae and Freddie Mac are the two mortgage…
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In this blog, we will cover and discuss qualifying and getting a mortgage approval for home purchase on acreage in…
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This guide covers canceling a real estate purchase contract transaction. A real estate purchase contract is a legally binding agreement…
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Many agency guidelines list extenuating circumstances as reasons for getting qualified for a mortgage when otherwise they would not qualify. However, borrowers need to understand
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This guide covers qualifying for a home loan downsizing to a smaller home. It makes no sense in having a…
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In this article, we will discuss and cover homebuyers qualifying for bad credit mortgage loans Alabama. Qualifying for bad credit…
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This guide addresses common inquiries regarding the possibility of maintaining two FHA loans due to expanding family size. Typically, individuals…
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This ARTICLE cover the types of homes eligible with residential loans. Government loans are for owner occupant one to four-unit…
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There is no reason why a pre-approved borrower should ever get a last-minute mortgage denial by a mortgage underwriter. The main reason why borrowers get a last-minute mortgage
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This guide covers modular homes mortgage guidelines on purchase and refinance transactions. Modular homes are becoming more and more popular…
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This guide aims to understand Income-Based Repayment Student Loan Mortgage Guidelines clearly. The daunting task of outstanding student loans presents…
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This article covers reasons why hiring realtor on home purchase is important. Getting hooked up with the right real estate…
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This guide covers things that can delay your mortgage loan closing. A mortgage loan should be able to close in…
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In this blog, we will cover the Fannie Mae Chapter 13 dismissal guidelines on conventional loans. One of the most…
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This guide covers FHA MIP versus conventional PMI for mortgage borrowers. Mortgage Insurance is mandatory on all FHA loans and…
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This guide covers HUD guidelines versus lender overlays on FHA loans. There have been notable changes for HUD guidelines versus…
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