ByGustan Cho, NMLS 873293
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How Bankruptcy Affects Mortgage Approval: FHA, VA, USDA, Conventional, Non-QM Guidelines Bankruptcy does not prevent potential homeowners from qualifying for…
ByGustan Cho, NMLS 873293
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A loss of employment during mortgage process won’t necessarily lead to an automatic denial of your mortgage. However, lenders will…
ByGustan Cho, NMLS 873293
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Mortgage underwriters qualify borrowers by verifying the income, employment, credit, debts, assets, and property information used in the mortgage application….
ByGustan Cho, NMLS 873293
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How to Improve Credit to Qualify for VA Loans in 2026 How to increase credit to become eligible for a…
ByGustan Cho, NMLS 873293
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In this article, we will be comparing FHA loans vs VA loans. VA loans are by far the best mortgage…
ByGustan Cho, NMLS 873293
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Refinance Jumbo Loan Requirements and Cash-Out or Non-QM Opportunities Refinancing a jumbo loan is different from refinancing a regular conforming…
ByGustan Cho, NMLS 873293
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Waiting period mortgage guidelines describe the period of time, usually after bankruptcy, foreclosure, short sale, or deed in lieu, that…
ByGustan Cho, NMLS 873293
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FHA Case Number: Assignment, Transfer & Cancellation Guide This guide will cover and discuss what an FHA case number is,…
ByGustan Cho, NMLS 873293
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This guide covers FHA DTI guidelines on manual underwrites. The key distinction between manual and automated underwriting system guidelines lies…
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…
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