ByGustan Cho, NMLS 873293
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This guide covers solutions for when things go wrong during the mortgage process. The mortgage process can be very stressful….
ByGustan Cho, NMLS 873293
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High-balance conforming loans finance amounts above the national conforming baseline but within the higher FHFA limit for an eligible high-cost…
ByGustan Cho, NMLS 873293
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First-Time Homebuyers Buying a Foreclosed Home First-time homebuyers can purchase foreclosed homes, and a large cash reserve is not always…
ByGustan Cho, NMLS 873293
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Yes, it may be possible to buy and sell a house while in Chapter 13 bankruptcy without waiting for discharge….
ByGustan Cho, NMLS 873293
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Can you buy a house while in Chapter 13 bankruptcy? Yes, buying a house while in Chapter 13 bankruptcy is…
ByGustan Cho, NMLS 873293
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2026 Mortgage Guidelines: FHA Loans with Low Credit Scores FHA loans make it possible for people with low credit scores…
ByGustan Cho, NMLS 873293
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Californians are moving to other states mainly because of high housing costs, overall affordability pressures, job changes, family needs, and…
ByGustan Cho, NMLS 873293
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This guide covers modular homes. We will answer the question of can you get a mortgage on modular homes? Yes,…
ByGustan Cho, NMLS 873293
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FHA loan guidelines Alabama can make buying a home possible for borrowers who may not fit conventional loan requirements. With…
ByGustan Cho, NMLS 873293
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Liabilities in Mortgage Qualification: What Debts Count? When applying for a mortgage, understanding how underwriters evaluate liabilities in mortgage qualification…
ByGustan Cho, NMLS 873293
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In this article, we will discuss and explain the guidelines for VA loans with credit scores under 620. VA loans…
ByGustan Cho, NMLS 873293
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This guide covers FHA versus conventional mortgage rates on purchase and refinance transactions. One of the most common questions the…
ByGustan Cho, NMLS 873293
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This guide covers the credit scores required for FHA and VA loans. Many borrowers are confused about the credit scores…
ByGustan Cho, NMLS 873293
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Third-Party Search by Mortgage Lenders: What Underwriters Verify Before Closing This guide covers third-party search by mortgage lenders during the…
ByGustan Cho, NMLS 873293
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In community property states, debt-to-income (DTI) calculations differ when a married individual applies for a mortgage without their spouse. The…
ByGustan Cho, NMLS 873293
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FHA and conventional loans work best for different borrower profiles. FHA loans are often better for borrowers with lower credit…
ByGustan Cho, NMLS 873293
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Choosing the Right Mortgage Company: A Loan Officer Career Guide This guide covers choosing the right mortgage company for loan…
ByGustan Cho, NMLS 873293
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Real estate agents are the biggest referral source for loan officers. On the flip side, Realtors depend on experienced knowledgeable real estate agents to qualify and approve their clients.
ByGustan Cho, NMLS 873293
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Real Estate Agent Referral Network for Buyers and Sellers One Solution Real Estate is developing a real estate agent referral…
ByGustan Cho, NMLS 873293
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This guide covers manual underwriting versus automated approval. There are two types of Automated Underwriting Systems (AUS): Fannie Mae’s Automated…
ByGustan Cho, NMLS 873293
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Is it possible to secure a mortgage with collection accounts? The short answer is yes. In this guide, find out…
ByGustan Cho, NMLS 873293
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All mortgage loan programs require a maximum front debt-income ratio and back debt to income ratio. However, conventional loans do not require a front debt to income ratio. VA loans do not have a debt to income ratio requirements. Lenders can have lender over lender overlays on debt to income ratios.
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