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ByGustan Cho
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This article is about Mortgage Rate Adjustments The lower your credit scores are the higher your mortgage rates will be. Rate adjustments also called Loan Level Pricing Adjustments are pricing adjustments either added to the rate or discounted to mortgage rates For conventional loans, there are credit score tiers starting at the following levels: 620…
ByAlex Carlucci
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This article is about How To Get Lowest Mortgage Rates On Home Loans And What Are LLPA INTRODUCTION OF HOW TO GET LOWEST MORTGAGE RATES HOME LOANS Mortgage loan officers who have been in the business for several years will tell you the number one question they hear is, “What are your rates today?” And…
ByGustan Cho
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This ARTICLE On Steps In Getting Mortgage Approval With Bad Credit Illinois Was UPDATED On December 11th, 2018 There are Steps In Getting Mortgage Approval. It starts with consulting with a loan officer Mortgage Loan Applicants first few Steps In Getting Mortgage Approval starts with consulting with a loan officer Borrowers need to complete a 4-page…
ByGustan Cho
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This BLOG On Short Sale Versus Foreclosure Mortgage Guidelines Was UPDATED On December 10th, 2018 Are There Benefits Of Short Sale Over Foreclosure? There are benefits of a short sale instead of a foreclosure if home buyers are planning on buying a new home with Conventional Loans. Waiting Periods to qualify on Conventional Loans after a…
ByGustan Cho
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This article is about Re-Building Credit After Foreclosure To Qualify For Home Loans A foreclosure can drop credit scores by at least 100 points. However, the good news is that the drop is temporary Credit scores will improve as the foreclosure ages The sudden drop will eventually have little to no impact on credit scores as…
ByGustan Cho
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This BLOG On Mortgage Guidelines On Foreclosure And Bankruptcy Was UPDATED On December 8th, 2018 If a mortgage loan borrower had a prior bankruptcy, there is a 2 year waiting period from the date of the bankruptcy discharge before a home buyer has to wait to qualify for FHA and VA Loans If you have foreclosure but not a…
ByGustan Cho
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This BLOG On FHA Loan With High DTI And Outstanding Collection Accounts Was UPDATED December 2nd, 2018 Homebuyers can qualify for FHA loans with high DTI. Borrowers do not have to pay off outstanding collections and charge off accounts However, outstanding non-medical collection accounts can affect when getting an FHA Loan with High DTI This is…
ByGustan Cho
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This BLOG On Alternatives To Bankruptcy Waiting Out Bad Credit With SOL Was UPDATED On November 27th, 2018 For those folks who were hurt financially from the recession of 2008 and have not filed bankruptcy and started to rebuild their lives back, they need to pay attention to the outstanding collections, charge offs, and judgments they…
ByGustan Cho
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This BLOG On Mortgage After Filing Bankruptcy With No Waiting Period Was Updated On November 26th, 2018 The federal government created federal bankruptcy laws for consumers who are drowning in debt: Bankruptcy gives consumers a chance to re-structure their debts or discharged their debts and start new Everyone has good intent on paying their bills…
ByAlex Carlucci
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This ARTICLE On How to Choose the Right Internet Lawyer By Consumers Was PUBLISHED On October 27th, 2018 How do you go about choosing the right Internet attorney that fits your budget and needs? Legal services are just like other products in the market; the wise customer carries out some research before making the final…
ByAlex Carlucci
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This Article On Tire Maintenance And Safety Was UPDATED On October 19th, 2018 Your vehicles tires are the only part of your vehicle that has direct contact with the road. Tires affect how your vehicle handles, rides, brakes and thus performs For optimum performance and maximum longevity of your tires, proper tire pressure, balance, alignment…
ByAlex Carlucci
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This BLOG On Homeschooling Versus Public Education And Its Benefits Was UPDATED On October 16th, 2018 Why I Chose Homeschooling Was Written By Alex Carlucci of Gustan Cho Associates Lately I’ve been feeling kind of nostalgic about air travel as it used to be before the 90’s. I remember that flying was a grand event My…
ByAlex Carlucci
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This Article On Experiencing The Southern California Gas Leak By Homeowners Was PUBLISHED On September 25th, 2020 Hello, my name is Billy Stavridis, and I’ve written a blog regarding the SoCal gas leak. For those of you in the rest of the country who may not be aware, here’s a little bit of news about…
ByAlex Carlucci
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This Article On the Southern California Gas Leak Updated And PUBLISHED On September 24th, 2020 The California Division of Oil, Gas, and Geothermal Resources (DOGGR) confirmed that the well that had been leaking at the (SoCalGas) at the Aliso Canyon storage facility: The leak has been permanently sealed and taken out of service On Dec….
ByAlex Carlucci
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This Article Is About Carla Giordano, Top Realtor, Lamborghini Expert, and Great Friend Carla Giordano is a top Illinois realtor with Re/Max that is a jack of all trades and a master of them all. I have known Carla Giordano since 2007 when I had a collection of 30 exotic cars Carla is a Lamborghini…
ByGustan Cho
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This BREAKING NEWS ARTICLE On Prayers To The Virgin Mary By Missy Mu: My Best Friend Who Is Missed Was PUBLISHED On May 19th, 2013 My best friend on this planet is my ten-year-old toy poodle Missy Mu. I had Missy Mu since she was six weeks old and she is the love of my…
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