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ByRonda Butts
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This guide covers the top U.S. cities for the best jobs with low living costs and affordable housing. Are you tired of living in a city where the cost of living is sky-high, and job opportunities are scarce? Well, we’ve got some good news for you! There are many cities for the best jobs with…
ByGustan Cho
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This guide covers the steps to buying your first home during a booming housing market. Buying your first home during a booming housing market can be quite challenging. Many would-be homebuyers often get discouraged from purchasing a new home when competition for homes is at historic highs. Gustan Cho Associates are experts in helping first-time…
ByAlaina Phillips
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This guide covers a comprehensive guide of the top beaches of Florida. We will discuss the top beaches of Florida for tourists or those moving and buying a home in Florida. Welcome to the Sunshine State, where crystal clear waters meet sugar-white sand beaches! Dale Elenteny, a senior loan officer at Gustan Cho Associates, explains…
ByRonda Butts
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This guide covers buying a lake house for water lovers. Cast your line in paradise. We will discuss buying a lake house in the top US towns for lake fishing and lakefront living. Prepare your tackle box and pack up your boat because it’s time to cast your line in paradise! If you’re an avid…
ByRonda Butts
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In this guide, we will discuss buying a house in Savannah Georgia. This guide covers discovering the charm of Savannah Georgia. This is a guide to relocating to Georgia’s Coastal Gem. Savannah, Georgia, is a city that captures the hearts of all who visit. From its charming cobblestone streets to its iconic Spanish moss-draped trees,…
ByGustan Cho
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This guide covers the frequently asked questions at Gustan Cho Associates, What are hard money lenders? What Are Hard Money Lenders? Hard Money Lenders are lenders primarily based on the assets rather than the borrower. Michael Neill, President of AXEN Mortgage, LLC, a dba of NEXA Mortgage, LLC, explains what are hard money lenders as…
ByRonda Butts
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This guide covers moving and buying a house in a Coastal City in the United States. Have you ever dreamed of waking up to the sound of waves crashing against the shore or watching a stunning sunset over the ocean every evening? If so, then it’s time to consider moving to a coastal city in…
ByRonda Butts
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This guide covers discovering, moving, and buying a house in small-town America. Do you ever feel like the hustle and bustle of city life is just too much? Are you tired of fighting traffic, waiting in long lines, and feeling lost in a sea of people? It’s time to explore the charm and beauty of…
ByGustan Cho
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This blog will discuss and cover fix-and-flip mortgage loans. The fix-and-flip mortgage option is one of the most popular loan programs for real estate investors and rehabbers. Several wholesale lenders offer fix-and-flip mortgage loans offer says John Strange, a senior loan officer at Gustan Cho Associates who is an expert on flip-and-fix mortgage loans: The…
ByGustan Cho
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This guide covers mortgage pre-approval issued by underwriters. Over 80% of our borrowers at Gustan Cho Associates are folks who either got a last-minute mortgage loan denial or are stressed during their mortgage process with their current lender. Alex Carlucci, a senior loan officer at Gustan Cho Associates, explains the reasons for a last-minute mortgage…
ByAlex Carlucci
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This guide covers qualifying and getting pre-approved for a mortgage loan after foreclosure and short sale guidelines. Previous homeowners who had a prior foreclosure can now qualify for a mortgage loan after foreclosure and short sale. There is a minimum of a 3-year waiting period to qualify for FHA and USDA loans after foreclosure, deed-in-lieu…
BySarah Wu
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This guide covers home-buying mistakes by first-time homebuyers. Gustan Cho Associates Mortgage Group offers numerous loan options without LENDER OVERLAYS. The vast array of mortgage options can sometimes be overwhelming for some clients. That is where your loan officer comes into play. Our team has experienced loan officers who will provide the best long-term advice….
ByMike Gracz
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This guide covers the eligibility guidelines for VA Jumbo Home Mortgages. Most veterans know they do not need a down payment to purchase a home. But there are many things Veterans are not aware of, such as the removal of loan limits for VA mortgage loans. Up until 2020, VA loan limits required a down…
ByGustan Cho
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In this article, we will discuss and cover balloon mortgages and how they work. Balloon mortgages are short-term loans with fixed monthly payments, usually based on a 30-year fully amortizing schedule. Balloon loans are for commercial loans only and do not apply to residential mortgages. After the 2008 housing meltdown and subprime mortgage collapse, federal…
ByCharlotte Hopper
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This guide covers what to look for when buying beachfront property in Florida. We will discuss the risks and strategies for buying beachfront property in Florida. With its picturesque coastline and year-round sunshine, Florida has long been a popular destination for beach lovers and real estate investors. Buying beachfront property in Florida can be an…
ByGustan Cho
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Many borrowers are confused about how lenders price mortgage rates. How can mortgage rates just under 3.0% just a little over a year ago hit 6.5% in such a short time? Mortgage rates are hitting historic highs due to the Federal Reserve Board’s increasing rates to fight the skyrocketing inflation rate. Most people do not…
ByRonda Butts
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This blog covers a guide to buying a house in Charlotte North Carolina. While well-established neighborhoods like Myers Park and Dilworth have long been famous for real estate investment, countless hidden gems throughout the city offer incredible growth and return on investment potential. Here is what Alaina Phillips, a dually licensed realtor and loan officer…
ByGustan Cho
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This guide covers the updated non-QM guidelines post-coronavirus outbreak and political scare. Non-QM guidelines are not uniform agency lending guidelines like government and conventional loans. The individual wholesale lender sets Non-QM guidelines. Just because one lender has a set of non-QM guidelines does not mean another will have the same lending requirements. The post-coronavirus updated…
ByGustan Cho
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This guide covers qualifying income guidelines to qualify for home loan. There are federal income guidelines to qualify for home loan. Days of no income verification to qualify for a home loan have long been gone, and it does not seem like they will ever come back shortly. There are strict income guidelines to qualify…
ByRonda Butts
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This guide covers buying a house in Salt Lake City Utah, and how to get approved for a mortgage. Breaking Down the Numbers: A Comprehensive Look at the Salt Lake City Real Estate Market. Are you curiously interested in learning about the real estate market in Salt Lake City? The cost of living index in…
ByGustan Cho
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This guide covers the FHFA FNMA Guidelines updates on Conventional loans. There are FNMA guidelines changes for mortgage loan borrowers on Conventional loans. Fannie Mae and Freddie Mac are the two mortgage giants in the United States that set mortgage requirements for Conventional loans. To qualify, conventional mortgage borrowers must meet the minimum Fannie Mae…
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