High Debt To Income Ratio

FHA Guidelines on Student Loans: How to Qualify in 2024

ByAnngelli Abenes Posted onAugust 26, 2024August 27, 2024

FHA Guidelines on Student Loans: Your Path to Homeownership in 2024 Student loans are a significant part of life for…

High Debt To Income Ratio | Automated Underwriting System | FHA Loans | Videos

FHA DTI Guidelines for Getting an Approve/Eligible Per AUS

ByAnngelli Abenes Posted onJuly 5, 2024August 30, 2024

First-time homebuyers, especially, may be easily overwhelmed by the complexities of purchasing a home. One of the most critical aspects…

High Debt To Income Ratio | Mortgage Processing And Underwriting | Videos

Paying Down Credit Cards During Mortgage Process Due To High DTI

ByGustan Cho Posted onJune 23, 2024August 30, 2024

This guide covers paying down credit cards during mortgage process due to high debt-to-income ratios. Debt-to-income ratios are one of…

Bad Credit Mortgages | FHA Loans | High Debt To Income Ratio | NON-QM Loans | Videos

Bad Credit Mortgage Lenders in Rhode Island with 500 FICO

ByGustan Cho Posted onJune 22, 2024August 30, 2024

In this blog, we will discuss and cover bad credit mortgage lenders in Rhode Island for borrowers with bad credit…

Conventional Loans | High Debt To Income Ratio | Videos

Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional Loans

ByAnngelli Abenes Posted onJune 7, 2024August 30, 2024

There are certain debts that can be exempt from debt to income ratio calculations on conventional loans.

High Debt To Income Ratio | Student Loans | video

How Student And Car Loans Affect DTI For Mortgages

ByAnngelli Abenes Posted onMay 23, 2024August 28, 2024

This article will explore how student and car loans affect DTI (Debt-to-Income) mortgage ratios. Auto loans are typically the second-largest…

High Debt To Income Ratio | Non-Occupant Co-Borrowers | video

Adding Non-Occupied Co-Borrower With High DTI

ByGustan Cho Posted onMay 2, 2024August 23, 2024

This Article Is About Non-Occupied Co-Borrower Can Be Added To Borrower With High DTI A large percentage of mortgage borrowers…

High Debt To Income Ratio | Home Mortgage | Videos

What Is PITI In Mortgage?

BySapna Sharma Posted onApril 28, 2024August 23, 2024

All mortgage loan programs require a maximum front debt-income ratio and back debt to income ratio. However, conventional loans do not require a front debt to income ratio. VA loans do not have a debt to income ratio requirements. Lenders can have lender over lender overlays on debt to income ratios.

Solutions To High Debt To Income Ratios On Home Purchase

ByAnngelli Abenes Posted onApril 25, 2024April 26, 2024

Gustan Cho Associates has no lender overlays on debt to income ratio on government and conventional loans. We just go off the agency caps on debt to income ratio no government and conventional loans.

High Debt To Income Ratio | Income And Employment | Videos

Excluding Debts From Co-Signed Loans To Qualify For Mortgage

ByGustan Cho Posted onApril 16, 2024August 19, 2024

This guide covers excluding debts from co-signed loans to qualify for mortgage loans. Mortgage borrowers who are co-signers on debts…

DTI Manual Underwriting Guidelines on FHA and VA Loans

ByAlex Carlucci Posted onApril 16, 2024August 19, 2024

The DTI Manual Underwriting Guidelines for FHA and VA loans are quite alike. Among home mortgage programs, only FHA and…

Automated Underwriting System | High Debt To Income Ratio | Videos

Maximum Debt-To-Income Ratios For AUS Approval

ByGustan Cho Posted onMarch 25, 2024August 15, 2024

In this blog, we will cover and discuss the maximum debt-to-income ratios for AUS approval. One of the key factors…

High Debt To Income Ratio | Home Mortgage | Home Purchase | Mortgage Processing And Underwriting | Videos

DTI Calculations in Community Property States Guidelines

ByGustan Cho Posted onMarch 21, 2024April 17, 2024

This guide covers DTI calculations in community property states mortgage guidelines. DTI calculations in community property states are calculated differently…

The Struggle of Car Loans During Mortgage Process

ByAlex Carlucci Posted onMarch 18, 2024August 9, 2024

This guide cover the struggle of car loans during the mortgage process. Looking to buy a new car? Like most…

Income And Employment | High Debt To Income Ratio | Videos

Remote Wage-Earner Mortgage Guidelines on Home Loans

ByGustan Cho Posted onMarch 15, 2024August 9, 2024

This guide covers remote wage-earner mortgage guidelines on home loans. Remote Wage-Earner Mortgage Guidelines On Home Loans allow borrowers who…

Conventional Loans | High Debt To Income Ratio | Videos

Debt-To-Income Ratio For Conventional Loan Guidelines

ByAnngelli Abenes Posted onMarch 6, 2024August 8, 2024

This guide covers the debt-to-income ratio for conventional loan guidelines. A conventional loan is any mortgage loan not insured or…

Income And Employment | High Debt To Income Ratio | Non-Occupant Co-Borrowers | Videos

Exempt Debts of Co-Signed Loans For Co-Signer

ByGustan Cho Posted onMarch 1, 2024August 8, 2024

This article explores the exempt debts of co-signed loans, focusing on situations where co-signers seek qualification for a new loan….

Student Loans | High Debt To Income Ratio | Videos

Income-Based Repayment Student Loan Mortgage Guidelines

ByGustan Cho Posted onFebruary 22, 2024August 6, 2024

This guide aims to understand Income-Based Repayment Student Loan Mortgage Guidelines clearly. The daunting task of outstanding student loans presents…

VA Loans | High Debt To Income Ratio | Videos

VA Loans With High Debt-To-Income Ratio Mortgage Guidelines

ByGustan Cho Posted onFebruary 15, 2024March 19, 2024

This blog will discuss VA loans with high debt-to-income ratio mortgage guidelines. The team at Gustan Cho Associates gets frequently…

Home Mortgage | Conventional Loans | FHA Loans | High Debt To Income Ratio | Videos

Fannie Mae Guidelines on Community Property States

ByEric Jeanette Posted onFebruary 5, 2024August 5, 2024

This guide offers insights into Fannie Mae Guidelines on Community Property States, catering to individuals searching for mortgage-related information. An…

High Debt To Income Ratio | FHA Loans | Mortgage Lender Overlays | Videos

FHA Debt-To-Income Ratio Requirements

ByGustan Cho Posted onJanuary 23, 2024August 27, 2024

This blog will cover FHA debt-to-income ratio requirements for FHA loans. Just because borrowers meet all the HUD Agency Mortgage…

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Based on 65 reviews

Sapna Sharma

2024-07-04

I am working with Gustan Cho Associates and all the staff and Gus are so cooperatives. Gus is a motivational person and he always motivate or praise about my work. Really so happy working with Gustan Cho Associates Family.

James Strebel

2024-04-06

Very professional

Bill Burg

2024-04-06

Man it’s been great working with Gus and his amazing team. Their professionalism and attention to detail is second to none. I’ve never met anyone with more knowledge and skill at finding ways to help people into a home than him.

Rhonda Smith

2024-02-23

Amazing place

brent norkus

2024-02-23

Working with Gustan and his team has been an absolute pleasure. From start to finish, they have every client's best interest in mind to ensure they get the correct loan that fits their needs. Efficiency and accuracy are two words that describe my experience with Gus. Gus and his team over at Nexa are dominating the GAME! 5 stars is an understatement, and I would give ten stars if possible!

TCrumpCollinsParsonMcGinnis Frazier

2024-02-22

John and Angie are absolutely amazing! We had another lender and our loan fell through at the last minute. I called John and told him our issues and in 5 minutes he told me he could get it done. After 30 years of praying, moving and bankruptcy issues, these two got it done. It’s was fast and they answered all our questions. There are not enough words that could express how overwhelmed we are and how awesome they are. Do yourself a favor and call John, I promise you will thank me later. Please check out Gustan Cho’s videos. They are telling the truth and will walk thru fire with you. Thank you John and Angie! The Frazier’s.

Charlie G

2024-02-16

Gus is a great person, and a great loan officer with lots of experience and knowledge of many types of loans. Gus even takes calls after business hours unlike a lot of other companies. Gus has given me the best options available for a mortgage; he is honest and has integrity. I got to give Gus 5 stars due to he goes the extra mile to help you. Thanks Gus!!!

David Heckman

2024-02-15

John Strange and Angie Torres made this whole process seamless from start to finish. John would answer a text or call anytime and made sure to keep me updated the whole time. I would tell you that you are in good hands with these two!