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ByGustan Cho
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You cannot dispute derogatory credit tradelines during the mortgage process unless they are exempt from retraction. Any non-exempt credit disputes will suspend and halt the mortgage process.
ByGustan Cho
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This Article Is About FHA Loan Credit Guidelines Versus Lender Overlays The U.S. Department of Housing and Urban Development (HUD),…
ByGustan Cho
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This Article Is About What Do Mortgage Lenders Want To See In A Borrower The number one concern lenders have…
ByAlex Carlucci
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This Article Is About Removing Negative Items To Qualify For Mortgage Gustan Cho Associates are experts in advising borrowers in…
ByGustan Cho
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Condos are becoming very popular for millennials, young busy professionals, and the elderly. However, lending standards are tougher on condos versus single-family homes.
ByGustan Cho
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This Article Is About How To Prevent Mortgage Default With Loss Of Employment Mortgage lenders will work with homeowners who…
ByGustan Cho
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This ARTICLE On HUD FHA 203k Renovation Guidelines On Home Improvement Loans Home values are appreciating nationwide. Both HUD and…
ByDale Elenteny
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Most undisclosed debts will be discovered by lenders during a third-party national search of public records.
ByGustan Cho
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Most lenders have a debt to income ratio cap on government and conventional loans. Lenders need to meet the minimum debt to income ratio caps. However, lenders can have their own DTI caps which is lower than the agency guidelines as part of their DTI lender overlays
ByGustan Cho
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This Article Is About FHA Investor Overlays Versus HUD Agency Mortgage Guidelines: It is very important to understand the difference…
ByGustan Cho
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Homebuyers can qualify for a mortgage loan as long as they have a written payment agreement with the judgment creditor and have made three timely payments. Or they can negotiate a settled amount with the judgment creditor and pay it at or prior to closing.
ByGustan Cho
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This Article Is About Mortgage Rates Are Still At Historic Lows On Purchase And Refinance: The Dow Jones Industrials have…
ByGustan Cho
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This Article Is About HUD FHA 203h Mortgage Guidelines For Disaster Victims: Housing and Urban Development is the parent of…
ByAlex Carlucci
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This Article Covers The Benefits of Buying Newer Homes Versus Older Homes: Buying a newer home, especially a new construction…
ByGustan Cho
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The housing market has skyrocketed where many homebuyers are priced out of buying a home. Many homebuyers are leaving their state to other states with affordable housing to realize their dream of homeownership become a reality.
ByGustan Cho
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Check here daily for mortgage rates and lock recommendations. You’ll see what economic data and financial reports are affecting today’s mortgage rates before choosing to lock or float your mortgage interest rate.
ByGustan Cho
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This article covers options for homeowners on alternative to foreclosure when homeowners cannot afford mortgage payments: There are instances when…
ByGustan Cho
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When is your first mortgage payment due? Your first mortgage payment is due the first day of the first full…
ByAlex Carlucci
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Even if you have a fixed-rate mortgage, your monthly mortgage payment can change over time. That’s because most lenders include property taxes and homeowners insurance in the monthly payment, and those elements can change over time. Property values increase and tax rates can too.
ByGustan Cho
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Borrowers should avoid these things during the mortgage process so their home loan closes on time. Certain things that may be innocent and unintentional could delay the clear to close. Delays in the clear to close by the mortgage underwriter will delay the closing of the home loan.
ByGustan Cho
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This article covers Credit Scores Versus Credit History Mortgage Guidelines The Importance Of Mortgage Guidelines On Credit Scores Versus Credit…
ByGustan Cho
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This article covers FHA Bankruptcy Waiting Period And Mortgage Guidelines FHA Bankruptcy Waiting Period Explained Homebuyers can now qualify for…
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