ByGustan Cho, NMLS 873293
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Timing for Conventional Loans After Chapter 13 Bankruptcy A conventional loan may be obtained after a Chapter 13 bankruptcy; however,…
ByGustan Cho, NMLS 873293
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FHA Bankruptcy Waiting Period: Chapter 7 and Chapter 13 Guidelines The waiting period for an FHA loan after bankruptcy depends…
ByGustan Cho, NMLS 873293
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Mortgage underwriters qualify borrowers by verifying the income, employment, credit, debts, assets, and property information used in the mortgage application….
ByGustan Cho, NMLS 873293
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FHA Case Number: Assignment, Transfer & Cancellation Guide This guide will cover and discuss what an FHA case number is,…
ByGustan Cho, NMLS 873293
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This guide covers FHA DTI guidelines on manual underwrites. The key distinction between manual and automated underwriting system guidelines lies…
ByGustan Cho, NMLS 873293
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This guide covers solutions for when things go wrong during the mortgage process. The mortgage process can be very stressful….
ByGustan Cho, NMLS 873293
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2026 Mortgage Guidelines: FHA Loans with Low Credit Scores FHA loans make it possible for people with low credit scores…
ByAlex Carlucci, NMLS: 229891
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The home appraisal process timeline is often one to two weeks from the lender placing the order to receiving the…
ByGustan Cho, NMLS 873293
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Liabilities in Mortgage Qualification: What Debts Count? When applying for a mortgage, understanding how underwriters evaluate liabilities in mortgage qualification…
ByTanhia Romero
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This Guide Is About How Loan Officers Qualify Borrowers and Issue Pre-Approvals. Understanding how loan officers qualify borrowers is crucial in the…
ByGustan Cho, NMLS 873293
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Third-Party Search by Mortgage Lenders: What Underwriters Verify Before Closing This guide covers third-party search by mortgage lenders during the…
ByGustan Cho, NMLS 873293
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In community property states, debt-to-income (DTI) calculations differ when a married individual applies for a mortgage without their spouse. The…
ByTanhia Romero
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In this guide, we will cover and discuss when I am committed to a mortgage lender for a home loan….
ByGustan Cho, NMLS 873293
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This guide explores the factors affect pre-approval and stress during the mortgage process. Once individuals decide to purchase a home,…
ByGustan Cho, NMLS 873293
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In this guide, we will cover the role of a mortgage underwriter during the home loan approval process. The role…
ByYogesh Thakral
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In this guide, we will discuss and cover the borrower review of Gustan Cho Associates. Reviews and testimonials are one…
ByGustan Cho, NMLS 873293
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Conditional mortgage approval means an underwriter has reviewed your loan file but still needs specific documents, explanations, or third-party items…
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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Features of Student Loan Mortgage Programs and Income-Based Repayment Plans Income-Based Repayment plans can help make federal student loan payments…
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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Buying a home is one of the biggest steps you’ll take in life. But let’s be real—home loan closings can…
ByGustan Cho, NMLS 873293
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Buying a home shouldn’t feel confusing. If you’ve had credit bumps or don’t have a big down payment, using FHA…
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