In this blog, we will cover and discuss the difference between mortgage guidelines versus overlays on home loans. Many borrowers often get confused about mortgage guidelines versus overlays. The first place home buyers visit to get pre-approved is their local bank. Many homebuyers do their own due diligence to see if they qualify for a […]
We will be comparing FHA loans versus non-QM loans for homebuyers with credit/income issues and have you fully understand the comparison of the two. The two most popular programs for homebuyers with bad credit with low credit scores are FHA and Non-QM loans. There are dozens of new and updated non-QM mortgage loan programs that […]
In this blog, we will cover and discuss qualifying for VA loans after bankruptcy Kentucky with a VA Lender with no lender overlays. The state of Kentucky has one of the highest concentrations of veterans. Both active and retired members of the U.S. Armed Forces make Kentucky their home. Kentucky is also one of the […]
In this blog, we will discuss and cover finding right mortgage lender when buying a home. Finding Right Mortgage Lender that can suit borrowers’ needs is the most important decision home buyers or homeowners will need to make. Shopping for the best mortgage rates has nothing to do with finding right mortgage lender. The mortgage […]
In this article, we will cover and discuss VA DTI and credit score guidelines versus lender overlays. Gustan Cho Associates gets a lot of calls daily from borrowers who often are confused with VA DTI And Credit Score Guidelines. They contact us after being told by other lenders that they do not qualify for VA […]
In this blog, we will discuss and cover the common VA overlays by lenders versus agency mortgage guidelines. Over 75% of our borrowers at Gustan Cho Associates are folks who could not qualify at other lenders due to their lender overlays. Lender overlays are mortgage guidelines that are above and beyond Agency Lending Guidelines. VA […]
In this blog, we will cover and discuss bad credit home loan with no overlays and low credit scores. Many hard working Americans were affected by the real estate and credit collapse of 2008. Many business owners had to close their businesses, many lost jobs due to corporate layoffs. Many had to settle with new […]
In this blog, we will discuss and cover lender overlays versus agency guidelines on home loans. All mortgage lenders need to meet agency mortgage guidelines. Agency guidelines are those from HUD, VA, USDA, Fannie Mae, Freddie Mac. However, mortgage lenders can have their own guidelines that surpass agency lending guidelines. These additional lending requirements that […]
Gustan Cho Associates is a mortgage company licensed in multiple states and are experts in originating FHA mortgage loans with no overlays. Over 75% of our clients are borrowers who could not qualify or got denied by other mortgage lenders. Most lenders have overlays on FHA, VA, USDA, and conventional loans. Not at Gustan Cho […]
This article is about a borrower’s testimonial on My Experience with The Gustan Cho Team at GCA Mortgage. We will discuss and cover a borrower’s experience with Gustan Cho NMLS 873293 of Gustan Cho Associates Mortgage Group. Many buyers start the mortgage process of mortgage approval by going to their local bank. This is great, so […]
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