ByAlex Carlucci, NMLS: 229891
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Real Estate Referral Agent for Homebuyers: Find the Right Buyer’s Agent This guide will cover the preferred real estate referral…
ByGustan Cho, NMLS 873293
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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.
ByGustan Cho, NMLS 873293
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Despite its long history, the term ‘yield spread premium’ still puzzles many mortgage professionals. In the past, wholesale mortgage lenders…
ByTanhia Romero
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Lenders can offer 100% with no mortgage insurance at competitive low mortgage rates on VA loans due to the government guarantee against loss or foreclosure on VA loans. VA loans have no maximum debt-to-income ratio cap on VA loans.
ByGustan Cho, NMLS 873293
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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…
ByGustan Cho, NMLS 873293
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This guide covers things that determines your mortgage rates on home loans. Mortgage rates are the interest rates that you…
ByGustan Cho, NMLS 873293
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Real Estate Closing: Step-by-Step Process for Buyers and Sellers This guide will cover the frequently asked questions about real estate…
ByMike Gracz, NMLS: 1160212
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Refinancing a California mortgage means replacing your existing home loan with a new mortgage. It may help you lower your…
ByGustan Cho, NMLS 873293
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About Us at Gustan Cho Associates Gustan Cho Associates is a national five-star mortgage company licensed in multiple states with…
ByAlex Carlucci, NMLS: 229891
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Direct and correspondent lenders can both originate, process, close, and fund mortgage loans. A direct lender typically funds the mortgage…
ByAlex Carlucci, NMLS: 229891
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Changes to 2-to-4 Unit Fannie Mae Multi-Family Mortgage Guidelines This manual addresses the modifications in down payment and self-sufficiency for…
ByGustan Cho, NMLS 873293
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This blog aims to explore the difference between correspondent lending and mortgage brokers. A common inquiry we receive regularly pertains…
ByGustan Cho, NMLS 873293
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Credit Score Required for Mortgage on Home Loans This guide covers the credit score needed for mortgage on home loans….
ByGustan Cho, NMLS 873293
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In this guide we will cover and discuss the automated underwriting system approval, which is also referred to as AUS…
ByMike Gracz, NMLS: 1160212
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This guide is about understanding mortgage application process to avoid delays. Despite the countless mortgage lending guidelines, applying for a…
ByGustan Cho, NMLS 873293
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Mortgage Guidelines with Unpaid Taxes: Qualifying for a Home Loan Are you worried about unpaid taxes standing in the way…
ByGustan Cho, NMLS 873293
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This guide covers 15-year versus 30-year fixed rate mortgages on loan programs. All residential mortgage loan programs have amortized terms. …
ByMike Gracz, NMLS: 1160212
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This blog is about overlays in underwriting on government and conventional loans. The mortgage industry went through a major overhaul…
ByGustan Cho, NMLS 873293
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In this article, we will cover and discuss applying for mortgage with another lender when denied by the original lender….
ByGustan Cho, NMLS 873293
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This guide covers the frequently asked question how I qualify for a mortgage loan and get approved. Mortgage lenders do…
ByMargarett Jurilla
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Closing costs on the loan estimate versus closing disclosure will most likely be different. The itemized closing costs on the…
ByGustan Cho, NMLS 873293
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In this guide, we will cover and discuss mortgage loan programs with no overlays and closing in 30 days. In…
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