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ByGustan Cho, NMLS 873293
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Every mortgage borrower is different. Your income, debts, credit rating, savings, and goals are unlike anyone else’s. The best mortgage for your neighbor might be the worst home loan for you.
ByGustan Cho, NMLS 873293
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This guide covers VA credit agency guidelines versus lender overlays on VA loans. Understanding VA Credit Score Agency Guidelines is…
ByGustan Cho, NMLS 873293
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This guide covers the benefits of paying mortgage balance early before end of loan term. Paying mortgage balance early before…
ByGustan Cho, NMLS 873293
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This guide explains Fannie Mae second home guidelines, especially vacation properties. As of 2025, a minimum down payment of 10%…
ByGustan Cho, NMLS 873293
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This article will discuss and cover qualifying for a mortgage after unemployment. Homebuyers do not need a two-year employment history…
ByGustan Cho, NMLS 873293
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This guide covers FHA Guidelines on Manufactured Home Loans. FHA Guidelines on manufactured home loans are released. HUD, the parent…
ByGustan Cho, NMLS 873293
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This article explores the VA Guidelines on Deferred Student Loans and their influence on the debt-to-income ratio in the context…
ByGustan Cho, NMLS 873293
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The primary emphasis of this blog centers around the waiting period obligations that individuals face after foreclosure, specifically those on…
ByGustan Cho, NMLS 873293
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This article delves into how underwriters analyze bank statements of borrowers. When individuals seek a mortgage loan, underwriters deem 60…
ByGustan Cho, NMLS 873293
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This article will delve into the mortgage guidelines for FHA DTI ratios on manual underwrites. The key distinction between manual…
ByGustan Cho, NMLS 873293
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In this blog, we will discuss payment shock from paying rent as a renter to paying a mortgage as a…
ByGustan Cho, NMLS 873293
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In this blog, we will be covering the QC Review Prior Clear To Close During Mortgage Process by some mortgage…
ByGustan Cho, NMLS 873293
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This article will delve into the HUD guidelines for gift funds in the context of home purchase transactions involving Federal…
ByGustan Cho, NMLS 873293
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This article delves into the implications and potential challenges homeowners may face in the unfortunate event of a job loss…
ByGustan Cho, NMLS 873293
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There are strict rules regarding the part-time income to full-time income mortgage guidelines. For part-time income to be used, borrowers…
ByGustan Cho, NMLS 873293
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This blog will cover and discuss the FHA case number on new FHA mortgage applications. We will also discuss transfers…
ByGustan Cho, NMLS 873293
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In this article, we will cover and discuss the comparison between jumbo loan vs conventional loan programs and the…
ByGustan Cho, NMLS 873293
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This guide covers overlays on debt-to-income ratio on FHA loans. Homebuyers who got issued pre-approval from a mortgage loan originator…
ByGustan Cho, NMLS 873293
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The conventional loan waiting period after deed-in-lieu of foreclosure and short sale of four years is shorter than the 7-year…
ByGustan Cho, NMLS 873293
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This guide covers lender overlays on credit tradelines by mortgage underwriters. Do all mortgage companies have lender overlays on credit…
ByGustan Cho, NMLS 873293
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This GUIDE covers debt-to-income ratio limit to qualify for a mortgage loan. Home loans and debt-to-income ratio limit. Every mortgage…
ByGustan Cho, NMLS 873293
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This guide covers mortgage rates on non-QM loans and no-doc mortgages. Current Home Mortgage Rates after the election of President…
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