Mistakes When Refinancing: 12 Costly Traps to Avoid
How do you avoid mistakes when refinancing? To avoid mistakes when refinancing, compare the proposed loan to your existing mortgage…
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FHA Loans | High Debt To Income Ratio | High-Balance Mortgage Loans | Manual Underwriting | Mortgage Lender Overlays | Qualifying & Getting Pre-approved | Videos
Major Changes in FHA Guidelines HUD 4000.1 Handbook
This guide will delve into the major changes in FHA guidelines, specifically the HUD 4000.1 Handbook, which may have implications…
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FHA Loans | Condominium Loans | Condotel and Non-Warrantable Condos | Conventional Loans | Real Estate Topic | Videos
FHA Spot Loans on Non-HUD-Approved Condos
FHA Spot Loans enables condo buyers to purchase a condo unit in a non-HUD-Approved Condo Complex with an FHA loan.
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HUD Guidelines for Gift Funds on FHA Loans
This guide will delve into the HUD guidelines for gift funds in the context of home purchase transactions involving Federal…
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Home Mortgages | Conditional Loan Approval | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos
How Is a Mortgage Pre-Approval Issued By Lenders
This guide covers mortgage pre-approval issued by underwriters. Over 80% of our borrowers at Gustan Cho Associates are folks who…
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Mortgage with No Income Documentation and No Tax Returns
Gustan Cho Associates has a mortgage with no income documentation, no tax returns, and low credit scores. Many folks who…
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Home Loan Closings: Avoid Delays and Close on Time
Buying a home is one of the biggest steps you’ll take in life. But let’s be real—home loan closings can…
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Mortgage Rates on Non-QM Loans and No-Doc Mortgages
Mortgage Rates on Non-QM Loans and No-Doc Mortgages This guide covers mortgage rates on non-QM loans and no-doc mortgages. Current…
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High-Balance Conforming Loans in High-Cost Areas
High-balance conforming loans are advanced loan programs ideal for the individuals buying homes in high-cost areas. The loan is for…
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FHA Loans | Automated Underwriting System | First Time Home Buyers | Manual Underwriting | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos
Using FHA Loans to Buy a Home: Powerful Tips That Work
Buying a home shouldn’t feel confusing. If you’ve had credit bumps or don’t have a big down payment, using FHA…
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Things That Determines Your Mortgage Rates
This guide covers things that determines your mortgage rates on home loans. Mortgage rates are the interest rates that you…
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Cash to Close and Seasoned Funds for Closing
Cash to Close and Seasoned Funds for Closing: Guide to a Smooth Home Purchase When you’re ready to buy a…
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Mortgage Processing And Underwriting | Clear To Close | Home Mortgages | Home Purchase | Property Taxes | Real Estate Topic | Videos
Real Estate Closing Process: Buyer and Seller Guide
Real Estate Closing: Step-by-Step Process for Buyers and Sellers This guide will cover the frequently asked questions about real estate…
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Mortgage Processing And Underwriting | Automated Underwriting System | Compensating Factors | FHA Loans | Manual Underwriting | VA Loans | Videos
Manual Underwriting versus Automated Underwriting Guidelines
In this guide, we will cover and discuss manual underwriting versus automated underwriting guidelines. The Automated Underwriting System is a…
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Mortgage Processing And Underwriting | Automated Underwriting System | Clear To Close | Conditional Loan Approval | Manual Underwriting | Qualifying & Getting Pre-approved | Videos
How Do Underwriters Approve Mortgage Loans?
How Do Underwriters Approve Mortgage Loans? Complete Underwriting Guide Mortgage underwriters confirm that the loan, borrower, and property fulfill the…
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Investment Homes | No-Ratio Mortgage Loans | NON-QM Loans | Profit and Loss Statement Only Mortgages | Videos
Profit and Loss Statement Only Mortgage Loans
In this article, we will cover qualifying for the Profit and Loss Statement Only Mortgage Loans with no-income verification and…
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Mortgage Processing And Underwriting | Conditional Loan Approval | Qualifying & Getting Pre-approved | Videos
Fully Underwritten TBD Mortgage Approval As Pre-Approvals
In this blog, we will cover and discuss getting a fully underwritten TBD mortgage approval as pre-approvals. Fully Underwritten TBD…
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Income And Employment | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos
IRS 4506T Form vs Form 4506C for Mortgage Loans
IRS 4506T Form vs Form 4506C: How Mortgage Lenders Verify Income This guide covers the IRS 4506T Form vs Form…
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How to Turn Refer/Eligible Into Approve/Eligible in AUS
How To Get Refer To Approve-Eligible Per AUS To Qualify For Mortgage: There are ways of trying to get a refer/eligible findings to an approve/eligible per automated underwriting system.
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Balloon Mortgages
Balloon mortgages require monthly payments for a set period, followed by one large final payment for the remaining loan balance….
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VA Loans in Ohio With Bad Credit and No Lender Overlays
Eligible veterans, active-duty service members, and qualifying surviving spouses may be able to obtain VA loans in Ohio borrowers can…
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About Us
About Us at Gustan Cho Associates Gustan Cho Associates is a national five-star mortgage company licensed in multiple states with…
