California FHA 203(k) Loans: Requirements, Limits, and Renovation Rules
California FHA 203(k) loans allow eligible buyers to finance a home purchase and approved renovations with a single FHA-insured mortgage….
-
-
Refinance Mortgage When House Is Still Listed for Sale: What Lenders Require
You may be able to apply for a refinance mortgage when house is still listed for sale, but the listing…
-
Mortgage Payment Shock: Can You Qualify With a Higher Payment?
Quick answer: What is mortgage payment shock? Mortgage payment shock means your new monthly housing payment is higher than what…
-
TSAHC DPA Mortgage: Texas Requirements and Assistance Options
A TSAHC DPA mortgage can help eligible Texas homebuyers pay their down payment and allowable closing costs. Assistance ranges from…
-
Colorado DPA Mortgage Programs For First-Time Homebuyers
The Gustan Cho Associates are experts in down payment assistance (DPA) programs. We are proud to offer Colorado Housing and Finance Authority ( CHFA) down payment assistance programs. In this blog we will detail the advantages and disadvantages of using down payment assistance as well as how to apply for a mortgage with a Gustan Cho Associates when receiving Colorado down payment assistance.
-
Mortgage Guidelines After High School: Can You Buy With a New Job?
Mortgage guidelines after high school vary by loan program. You may qualify soon after graduation without two years on the…
-
When Are Two Appraisals Required for a Mortgage?
When are two appraisals required? Two full appraisals are not standard for most mortgages. A second appraisal may be required…
-
Fannie Mae Rental Income Guidelines: 2026 Rules & 75% Calculation
Fannie Mae Rental Income Guidelines: 2026 Rules for Investment Properties and Multi-Unit Homes Fannie Mae rental income guidelines determine when…
-
Choosing The Right Neighborhood When Buying a Home
How do you choose the right neighborhood? Choosing the right neighborhood means looking beyond the house and deciding whether the…
-
Mortgage After Bankruptcy and Foreclosure | Automated Underwriting System | Conventional Loans | FHA Loans | Manual Underwriting | NON-QM Loans | Qualifying & Getting Pre-approved | USDA Loans | VA Loans | Videos
Chapter 13 Trustee Mortgage Approval | FHA, VA & USDA
Securing a mortgage is still within reach, even if your Chapter 13 bankruptcy is ongoing. You do not always have…
-
Flood Insurance Mortgage Guidelines by Loan Type and Flood Zone
Flood insurance mortgage guidelines generally require coverage when a building securing a federally regulated, insured, or guaranteed mortgage is located…
-
HUD Forbearance Guidelines for FHA Loans in 2026
HUD forbearance guidelines allow homeowners with FHA loans experiencing a temporary financial hardship to request assistance from their mortgage servicer….
-
Colorado Mortgage Loan Limits on FHA and Conforming Loans
Colorado mortgage loan limits are not the same in every county. For 2026, the standard conforming limit for a one-unit…
-
ARM vs. Fixed-Rate Mortgage: Understanding How They Function
In this blog, we will cover ARM versus fixed-rate mortgages. ARM stands for an adjustable-rate mortgage. An Adjustable-Rate Mortgage is…
-
Buying a Condominium vs. a Single-Family Home
Buying a condominium vs. a single-family home comes down to your budget, lifestyle, maintenance preferences, and financing options. A condo…
-
Refinancing Community Property States Mortgage Guidelines
What Are Refinancing Community Property States Mortgage Guidelines? Refinancing in community property states requires non-borrowers debts to be included on FHA loans. Conventional loans do not require non-borrowers debts to be included in the debt to income ratio calculations.
-
Breaking into the Mortgage Industry as a Loan Officer
Have you ever considered breaking into the mortgage industry as a licensed loan officer? Have you ever considered a job…
-
Homes for Heroes for Firefighters: Save More on a Home
Is Homes for Heroes’ mortgage for firefighters a special mortgage? No. Homes for Heroes is a savings network, not a…
-
How to Move Out of Your Parents’ House: Easy Steps
Learning how to move out of your parents’ house starts with deciding whether you can comfortably support yourself. You may…
-
Clear To Close | Automated Underwriting System | Manual Underwriting | Mortgage Processing And Underwriting | Videos
Online Mortgage Application: Steps to Clear to Close
Online Mortgage Application: Everything from Getting Preapproved to Closing In this guide, we will cover and discuss the online mortgage…
-
FHA Loans in Louisiana: Steps to Qualify with Bad Credit
FHA loans in Louisiana can provide a more flexible path to homeownership, especially for borrowers with limited savings, lower credit…
-
Refinancing Your California Mortgage Loan
Refinancing a California mortgage means replacing your existing home loan with a new mortgage. It may help you lower your…
