Gustan Cho, The Mortgage Expert

FHA Loan During Chapter 13 Bankruptcy in Arizona

ByGustan Cho Posted onFebruary 12, 2025March 11, 2025

FHA Loan During Chapter 13 Bankruptcy in Arizona: How to Get Approved in 2025 Buying a home while navigating Chapter…

Student Loans | Videos

How Student Loans Affect Qualifying For Mortgage

ByGustan Cho Posted onFebruary 10, 2025July 11, 2025

This article is about how student loans affect qualifying for mortgage. Two types of debts are the biggest hurdles most…

FHA Loans | Home Mortgages | NON-QM Loans | USDA Loans | VA Loans

What Is The Best Mortgage Loan For Buying A House?

ByGustan Cho Posted onFebruary 10, 2025February 11, 2025

What Is the Best Mortgage Loan for Buying a House? If you plan to buy a house, you probably wonder:…

Best Mortgage Lenders For Bad Credit in Hawaii

ByGustan Cho Posted onFebruary 10, 2025February 11, 2025

Best Mortgage Lenders for Bad Credit in Hawaii: Get Approved in 2025 If you have bad credit and want to…

Bad Credit Mortgages

Re-Building Credit After Foreclosure

ByGustan Cho Posted onFebruary 7, 2025February 10, 2025

This guide covers re-building credit after foreclosure to qualify for home loans. A foreclosure can drop credit scores by at least…

FHA Loans | Videos

South Dakota FHA Lenders For Under 600 FICO With Collections

ByGustan Cho Posted onFebruary 7, 2025February 11, 2025

South Dakota FHA Lenders for Under 600 FICO: How to Get Approved for a Mortgage in 2025 Are you looking…

Home Purchase | Bad Credit Mortgages | Judgment | Videos

Stuck in a Lawsuit During the Mortgage Process? Do This NOW!

ByGustan Cho Posted onFebruary 6, 2025April 8, 2025

Lawsuit During the Mortgage Process: What You Need to Know to Get Approved If you’re in the middle of a…

Bad Credit Mortgages | FHA Loans

FHA Loans With Child Support Payments Mortgage Guidelines

ByGustan Cho Posted onFebruary 6, 2025February 6, 2025

FHA Loans with Child Support Payments: How to Qualify in 2025 Child support payments can significantly affect your ability to…

VA Loans | Manual Underwriting | Videos

VA DTI Manual Underwriting Guidelines on VA Loans

ByGustan Cho Posted onFebruary 3, 2025June 27, 2025

VA DTI Manual Underwriting Guidelines: How to Qualify for a VA Loan with High DTI in 2025 For veterans or…

Collection Accounts | Bad Credit Mortgages | Videos

FHA Mortgage Guidelines on Collection Accounts

ByGustan Cho Posted onJanuary 31, 2025April 22, 2025

FHA Mortgage Guidelines on Collection Accounts: How to Qualify for a Home Loan in 2025 Buying a home with collection…

Income And Employment | No-Ratio Mortgage Loans | NON-QM Loans | Qualifying & Getting Pre-approved | Videos

1099-Income Versus W-2 Income Mortgage Guidelines

ByGustan Cho Posted onJanuary 29, 2025January 30, 2025

1099-Income Versus W-2 Income: How It Affects Your Mortgage Approval When applying for a mortgage, the type of income you…

Manual Underwriting | FHA Loans | Verification Of Rent | video | Videos

FHA Manual Underwriting Mortgage Guidelines

ByGustan Cho Posted onJanuary 29, 2025March 11, 2025

FHA Manual Underwriting Mortgage Guidelines: 2025 Update If you’re applying for an FHA loan and received a “Refer/Eligible” from the…

Mortgage Processing And Underwriting

Delegated Versus Nondelegated Mortgage Underwriting

ByGustan Cho Posted onJanuary 28, 2025April 9, 2025

Delegated Versus Nondelegated Mortgage Underwriting: What You Need to Know Understanding how mortgages are underwritten can feel overwhelming, especially when…

Second Homes | Conventional Loans | First Time Home Buyers | Videos

Fannie Mae Guidelines on Second Homes: What to Know

ByGustan Cho Posted onJanuary 28, 2025January 30, 2025

Fannie Mae Guidelines on Second Homes: What You Need to Know in 2025 Thinking about buying a second home? Here’s…

Real Estate

How to Choose the Best Property Management Company

ByGustan Cho Posted onJanuary 27, 2025January 27, 2025

This article covers how to choose the best property management company. There are numerous factors you need to keep in…

Non-Occupant Co-Borrowers | Home Mortgages | Real Estate Topic | Videos

Does Co-Signing Affect In Buying Home In The Future

ByGustan Cho Posted onJanuary 27, 2025January 30, 2025

Does Co-Signing Affect In Buying Home? Understanding How Co-Signing a Loan Impacts Your Future Have you ever considered co-signing a…

Gaps In Employment | Income And Employment | Videos

How to Get a Mortgage With Short Employment History

ByGustan Cho Posted onJanuary 27, 2025February 20, 2025

A two-year employment history does not necessarily mean two consecutive years at the same job. You can have gaps in employment and/or multiple jobs in the most recent two years and still qualify for mortgage approval. In some cases, you can qualify for a mortgage with 12 months employment history.

Judgment | Videos

FHA Loan With Judgment Mortgage Guidelines

ByGustan Cho Posted onJanuary 24, 2025January 27, 2025

FHA Loan with Judgment: Your Guide to Homeownership in 2025 If you’re dealing with a judgment on your credit report,…

Mortgage Processing And Underwriting | Credit Scores | Mortgage Rates | Videos

Credit Score Changes During Underwriting Process

ByGustan Cho Posted onJanuary 24, 2025January 28, 2025

Your mortgage lender checks your credit when you apply for a home loan. Your credit score determines your mortgage rate and also if you qualify for a loan.