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ByGustan Cho
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In this blog, we will cover and discuss the difference when qualifying for a mortgage after bankruptcy dismissal versus bankruptcy…
ByGustan Cho
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This guide covers how solid is your pre-approval for a home purchase mortgage. A mortgage pre-approval letter means that a…
ByGustan Cho
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Lenders can cover borrowers’ mortgage refinance costs with a lender, credit in lieu of a higher mortgage rate to the…
ByGustan Cho
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This guide covers interest rate buydowns with seller concessions on purchases. Interest Rate Buydowns are when borrowers pay DISCOUNT POINTSto…
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This guide covers tips and advice selling home fast by real estate professionals. Many homebuyers have an existing home and…
ByGustan Cho
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In this blog, we will cover and discuss the mortgage guidelines Chapter 13 versus Chapter 7 Bankruptcy. Homebuyers qualifying for…
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This article is about FHA Bankruptcy waiting periods after Chapters 7 and 13. FHA Bankruptcy wqiting period requirements were release…
ByGustan Cho
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This guide covers how credit card balance affect debt-to-income ratio for mortgage borrowers. We will discuss the negative impact how…
ByGustan Cho
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This guide covers what do lenders look in bank statements during the mortgage process. Every mortgage lenders require borrowers to…
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In this blog, we will cover how to write a letter of explanation to mortgage underwriters. Borrowers planning on applying…
ByGustan Cho
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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
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This guide covers the mortgage process leading to closing for borrowers. The home buying and mortgage process leading to closing…
ByGustan Cho
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This guide covers Fannie Mae waiting period after deed-in-lieu and short sale on conventional loans. Freddie Mac and Fannie Mae…
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This article covers Freddie Mac foreclosure guidelines on Conventional loans. Fannie Mae and Freddie Mac is the nations largest buyers…
ByGustan Cho
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Unlock Your Dream Home with Doctor and Medical Professional Mortgage Loans Are you a medical professional dreaming of buying your…
ByGustan Cho
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Mortgage Underwriters will require one or more compensating factors for borrowers with higher debt to income ratio on manual underwrites to offset the risk of the higher DTI.
ByGustan Cho
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This guide covers getting a mortgage with student loans with high debt-to-income ratio. Getting a mortgage with student loans can…
ByGustan Cho
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This article will cover and discuss refer-eligible per automated underwriting system findings. All mortgage loan applicants need to go through…
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This guide covers VA late payment after bankruptcy mortgage guidelines on VA loans. VA loans were created and implemented to…
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This guide covers mortgage rates after bankruptcy on government and conventional loans. There are loan level pricing adjustments (LLPA) charged…
ByGustan Cho
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This guide cover how long is a pre-approval valid when shopping for a home. A pre-approval letter is a ticket…
ByGustan Cho
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This guide covers how credit scores affect conventional loans. Two of the most popular mortgage loan programs today are FHA…
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