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ByAlex Carlucci
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This Article On Mortgage Blogs Online And The Validity Of Accurate Content Mortgage Blogs are mortgage articles written about real estate, mortgage, and lending-related topics by writers and published on the internet. Most consumers who are in need of answers to questions on mortgages or real estate normally will search online and type in keywords…
ByAlex Carlucci
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This Mortgage Blog On Mortgage Terminology That You Need To Know Before Applying For A Home Loan Buying a home can be very stressful with all its uncertainties and ups and downs. A person can find themselves on an emotional roller coaster This holds especially true with all the mortgage terminology that is used through…
ByAlex Carlucci
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This Article Is On Lending Requirements For Mortgage After Short Sale In California The State of California has the nation’s highest home prices. California was one of the biggest hit states by the 2008 Real Estate and Mortgage Meltdown Many homeowners had home values drop 50% California is also the nation’s largest state A short…
ByGustan Cho
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This Article On Home Loan After Second Mortgage Charge Off Guidelines Mortgage loan borrowers can qualify for a home loan after second mortgage charge off with no waiting period after the charge off depending on the mortgage loan program. Homebuyers after second mortgage charge off is a commonly asked questions by many of our viewers…
ByGustan Cho
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This BLOG On Mortgage Lending Requirements On Government And Conforming Loans Was UPDATED And PUBLISHED On June 29th, 2020 Mortgage Lending Requirements is what lenders follow to see if a mortgage loan applicant qualifies for a residential mortgage loan. There are two types of lending guidelines There are mortgage lending requirements that are set by…
ByMike Gracz
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This BLOG On California Roads And How It Affects California Home Purchase Was UPDATED And PUBLISHED On March 19th, 2020 California is the nation’s most populous and largest state. California also has the highest tax rate in the United States Average homes in the United States are priced at $268,500 However, average homes in California…
ByGustan Cho
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This article covers Quick Credit Score Fixes To Qualify For Mortgage Loans Every mortgage loan program has a minimum credit score requirement. However, even though a mortgage borrower meets the minimum credit score requirements, they should try to get their credit scores as high as possible prior to applying for a mortgage The higher the…
ByGustan Cho
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This BLOG On How To Prepare For Mortgage For First Time Home Buyers Was UPDATED And PUBLISHED On March 8th, 2020 The best way on How To Prepare For Mortgage is to first consult with a loan officer. Do not just talk to one loan officer but many loan officers and due to your own…
ByMike Gracz
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This BLOG On California Home Buyer Down Payment Assistance Program Was UPDATED And PUBLISHED On February 23rd, 2020 Program Eligibility For California Home Buyer Down Payment Assistance Program: What is the California Home Buyer Down Payment Assistance Program? Down Payment Assistance program that is available to first time home buyers who are residents of the…
ByGustan Cho
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This blog on Why Do Lenders Have Different Requirement On Credit Scores Was PUBLISHED On July 5th, 2019 Why Do Lenders Have Different Requirement On Credit Scores And Individual Lender’s Requirement On Credit Scores: There are mortgage lending guidelines on the minimum requirement on credit scores in order to qualify for a particular mortgage loan program…
ByGustan Cho
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Understanding what your mortgage payment consists of is very important for homeowners. Most people do not pay in cash for their first home and get a mortgage loan. So it’s important to understand mortgage payment before buying a home. This article tells you what goes into a mortgage payment, how your mortgage payment reduces your…
ByGustan Cho
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This BLOG On Qualifying For Home Loan In Placer County California Was Written By Arlene DiSessa Of Gustan Cho Associates Mortgage News Why I Moved to Placer County: I previously lived in a small bedroom community in a rural underdeveloped area north of Sacramento. I can say we did not move there for the schools. They…
ByGustan Cho
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This BLOG On Fannie Mae NON-Citizens Mortgage Guidelines On Conventional Loans Was PUBLISHED On April 29th, 2019 Recently Fannie Mae added clarity to Fannie Mae NON-Citizens Mortgage Guidelines. Per Fannie Mae Guidelines on Conventional Loans, borrowers do not have to be U.S.Citizens to qualify for home loans Fannie Mae Guidelines, non-citizen home buyers can qualify for a home mortgage…
ByGustan Cho
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This BLOG On Credit And DTI Guidelines On Conventional Loans Versus FHA Loans Was UPDATED On January 18th, 2019 Credit And DTI Guidelines On Conventional Loans have tighter mortgage lending requirements compared to FHA loan mortgage programs. To qualify for a 3.5% down payment FHA loan, the mortgage applicant only needs a 580 FICO credit score To…
ByAlex Carlucci
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This BLOG On How Loan Officers Prepare Borrowers For Mortgage Underwriters Was PUBLISHED On January 14th, 2019 How Loan Officers Prepare Borrowers for mortgage underwriters depends on the individual loan officer. Most experience loan officers will make sure all mortgage documents is complete before submitting a loan Any missing docs and/or pages will be potential delays…
ByGustan Cho
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This BLOG On FHA Insured Mortgage Loans Versus Other Loan Programs Was UPDATED And PUBLISHED On January 10th, 2019 FHA Insured Mortgage Loans are government residential home loans that are originated and funded by private mortgage lenders. However, FHA Insured Mortgage Loans are insured by the Federal Housing Administration against borrower default and foreclosure HUD,…
ByGustan Cho
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This BLOG On Importance Of Credit Reports In Mortgage Application Process Was UPDATED On January 6th, 2019 Our society is credit driven. Almost every aspect in the financial world is based on a borrower’s credit score and credit report, especially in mortgage lending Credit and income are the two most important factors to a lender However,…
ByGustan Cho
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This BLOG On California Mortgage Credit Certificate Program Guidelines Was UPDATED On October 30th, 2018 California Home Buyers May Be Eligible For The California Mortgage Credit Certificate Program Great news for California Home Buyers. The California Housing Agency is now joint venturing with counties across the state of California This partnership is so all California residents…
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