ByGustan Cho, NMLS 873293
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This guide covers mortgage after bankruptcy and foreclosure. If you’ve been through bankruptcy or foreclosure, you might feel like owning…
ByGustan Cho, NMLS 873293
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Most guidelines require lenders to average the most recent two years of income to qualify applicants. Some programs allow borrowers with newer businesses if they have experience
ByGustan Cho, NMLS 873293
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This guide covers reestablishing credit after bankruptcy and your step-by-step guide to homeownership. Going through bankruptcy is tough, but it…
ByGustan Cho, NMLS 873293
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This guide covers qualifying for a home mortgage with bad credit. One of the frequently asked questions by our clients…
ByGustan Cho, NMLS 873293
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Mortgage Markets and Interest Rates: Complete Guide for Homebuyers and Homeowners This guide covers the mortgage markets and interest rates….
ByGustan Cho, NMLS 873293
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If you cannot afford mortgage payments, do not ignore the problem and hope it goes away. Failure to make a…
ByGustan Cho, NMLS 873293
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Home purchase with bad credit is possible, but the path depends on your credit score, recent payment history, down payment,…
ByGustan Cho, NMLS 873293
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A Freddie Mac cash-out refinance can help you pull equity from your home, but the rules are not the same…
ByGustan Cho, NMLS 873293
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Why is my FHA rate different from the rate I saw online? That is one of the most common questions…
ByGustan Cho, NMLS 873293
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In this guide, we will cover and discuss mortgage loan programs with no overlays and closing in 30 days. In…
ByGustan Cho, NMLS 873293
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Seeing headlines about mortgage forbearance on the rise can scare any homeowner who is already stretched thin. Maybe your insurance…
ByGustan Cho, NMLS 873293
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The initial loan approval from the mortgage loan approval lists a set of conditions from the mortgage loan underwriter. Once the loan conditions are satisfied, the mortgage underwriter will issue will issue a clear to close.
ByGustan Cho, NMLS 873293
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A mortgage denial with good credit usually means another part of the loan file did not meet underwriting guidelines. A…
ByGustan Cho, NMLS 873293
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Student loan credit reporting errors can stop a mortgage file before it gets to final approval. A late payment, incorrect…
ByGustan Cho, NMLS 873293
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Many first-time home buyers with student loan debt worry that their student loan debt will prevent them from being approved…
ByGustan Cho, NMLS 873293
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VA home loans are ideal for primary residences, offering 100% financing with no down payment required for those who qualify,…
ByGustan Cho, NMLS 873293
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Many borrowers think a conventional loan denial means they do not qualify for a mortgage. That is not always true….
ByGustan Cho, NMLS 873293
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Many people still search for coronavirus stimulus check information because they are not sure how much they received, whether they…
ByGustan Cho, NMLS 873293
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Opening a new credit card before a mortgage can help some borrowers, but it can also create problems if the…
ByGustan Cho, NMLS 873293
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This blog will cover Fannie Mae Collection Guidelines on Conventional loans. Fannie Mae and Freddie Mac are the two mortgage…
ByGustan Cho, NMLS 873293
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Verification of Employment: This is really important when you want to get a mortgage. Whether you are buying your home…
ByGustan Cho, NMLS 873293
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In this guide we will cover qualifying and getting approved for VA Loans with debt-to-income ratio. Are you a veteran…
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