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ByApril Ramirez
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In this article, we will cover and discuss how credit disputes affect mortgage process and cause loan denial. The pre-approval…
ByEric Jeanette
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This guide offers insights into Fannie Mae Guidelines on Community Property States, catering to individuals searching for mortgage-related information. An…
ByGustan Cho
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Every mortgage borrower is different. Your income, debts, credit rating, savings, and goals are unlike anyone else’s. The best mortgage for your neighbor might be the worst home loan for you.
ByGustan Cho
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This guide covers VA credit agency guidelines versus lender overlays on VA loans. Understanding VA Credit Score Agency Guidelines is…
ByGustan Cho
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This guide covers the benefits of paying mortgage balance early before end of loan term. Paying mortgage balance early before…
ByGustan Cho
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This guide provides comprehensive insights into Fannie Mae Second Home Guidelines, specifically for vacation properties. The 2023 update to these…
ByGustan Cho
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This article will discuss and cover qualifying for a mortgage after unemployment. Homebuyers do not need a two-year employment history…
ByAlex Carlucci
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In this blog, we will cover and discuss buying and moving to another owner-occupied home without selling their first home….
ByGustan Cho
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This guide covers FHA Guidelines on Manufactured Home Loans. FHA Guidelines on manufactured home loans are released. HUD, the parent…
ByGustan Cho
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This article explores the VA Guidelines on Deferred Student Loans and their influence on the debt-to-income ratio in the context…
ByDale Elenteny
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Borrowers cannot qualify for a mortgage with defaulted federal student loans until the student loans are out of default.
ByGustan Cho
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The primary emphasis of this blog centers around the waiting period obligations that individuals face after foreclosure, specifically those on…
ByGustan Cho
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This blog examines the eligibility requirements for FHA loans after unemployment or employment gaps. Prospective FHA loan applicants now have…
ByMike Gracz
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This blog post will explore Fannie Mae rental income guidelines and lending requirements. We will focus on elucidating the latest…
ByRonda Butts
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This article examines and clarifies the criteria for FHA Appraisals Versus Conventional Appraisals. There are significant differences in the guidelines…
ByGustan Cho
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This article will cover what escrow hold back is in the mortgage loan process. We will discuss escrow hold back…
ByGustan Cho
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This article delves into how underwriters analyze bank statements of borrowers. When individuals seek a mortgage loan, underwriters deem 60…
ByRonda Butts
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This guide will cover the Texas housing market forecast for 2023 going into 2024. The Texas housing market is booming…
ByGustan Cho
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This article will delve into the mortgage guidelines for FHA DTI ratios on manual underwrites. The key distinction between manual…
ByGustan Cho
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In this blog, we will discuss payment shock from paying rent as a renter to paying a mortgage as a…
ByPeter Arcuri
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Mortgage lenders must adhere to the Ability to Repay (ATR) rule when underwriting. That means they must make sure that borrowers can afford the loan before they approve it.
ByAlex Carlucci
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This blog post will explore the Fannie Mae-Freddie Mac charge-off guidelines applicable to conventional loans. Gustan Cho Associates has recently…
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