ByJohn Strange, NMLS: 230932
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In this blog, we’ll explain the qualifying credit score that lenders use for mortgages. Mortgage underwriters determine this score by…
ByGustan Cho, NMLS 873293
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Choosing the right lender with no lender overlays is the key on how to avoid mortgage denial
ByJohn Strange, NMLS: 230932
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This guide covers how underwriters view unsourced funds while analyzing and reviewing a borrower. Unsourced funds have no paper trail,…
ByAlex Carlucci, NMLS: 229891
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Many people have no credit score. This can make getting a mortgage to buy a home harder. However, it’s not impossible. You can re-establish credit after bankruptcy or other serious credit problems. And if you have no credit score at all, lenders can approve you with a non-traditional credit report.
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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This article explores the Factors Affect Pre-Approval And Stress During Mortgage Process. Once individuals decide to purchase a home, the…
ByGustan Cho, NMLS 873293
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This guide covers 580 score VA financing for eligible veteran homebuyers and homeowners. The team at Gustan Cho Associates are…
ByDale Elenteny, NMLS: 904444
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In this article, we will cover and discuss delayed financing guidelines on refinance transactions. Delayed Financing Guidelines apply for homebuyers…
ByAlex Carlucci, NMLS: 229891
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This guide covers how to avoid delays in mortgage loan closings. When homebuyers enter a real estate purchase contract, the…
ByGustan Cho, NMLS 873293
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This guide covers how qualified mortgages affect borrowers and lenders on residential loans. To avoid another 2008 financial crisis, Congress…
ByGustan Cho, NMLS 873293
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In this blog post, we’ll discuss qualifying for FHA loans with top North Carolina FHA lenders for bad credit. It’s…
ByGustan Cho, NMLS 873293
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In this blog, we will cover and discuss manual underwriting versus automated underwriting guidelines. The Automated Underwriting System is a…
ByGustan Cho, NMLS 873293
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This guide covers what a credit supplement in a mortgage is and how it works. There are three major credit…
ByGustan Cho, NMLS 873293
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This guide covers funds in bank statements that mortgage lenders cannot use. All funds in bank statements that are newer…
ByMike Gracz, NMLS: 1160212
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This guide covers upfront costs for mortgage loans prior to closing. What would you do as a borrower if a…
ByMike Gracz, NMLS: 1160212
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In this blog, we will cover and discuss the acceptable sources of verifiable funds for closing. With the majority of…
ByGustan Cho, NMLS 873293
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This guide covers getting a home loan approved after denied by a bank for your mortgage. There should be no…
ByGustan Cho, NMLS 873293
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This guide covers DTI calculations in community property states mortgage guidelines. DTI calculations in community property states are calculated differently…
ByGustan Cho, NMLS 873293
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This guide covers how do mortgage underwriters calculate income of borrowers. Income is the most important aspect of qualifying for…
ByGustan Cho, NMLS 873293
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This guide addresses the issue of credit tradelines not reporting to credit bureaus. When faced with this situation, finding solutions…
ByGustan Cho, NMLS 873293
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In this blog, we will discuss and cover the warehouse line of credit used by mortgage bankers and correspondent lenders….
ByGustan Cho, NMLS 873293
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In this blog, we will cover and discuss how do mortgage underwriters qualify borrowers. Credit scores and income is what…
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