Fannie Mae and Freddie Mac Cash-Out Refinance Guidelines
This guide covers Fannie Mae and Freddie Mac cash-out refinance guidelines and the limited amount of cash to be taken…
FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Mortgage Refinance | VA Loans
Refinancing During Chapter 13 Bankruptcy Repayment
Is it Possible to Refinance During Chapter 13 Bankruptcy? Yes, refinancing during Chapter 13 bankruptcy is possible! Many homeowners think…
HARP For Underwater Mortgages Lending Guidelines
This guide covers HARP for underwater mortgages. This guide is an update of a previous guide that was published in…
Understanding FHA Cash-out Refinance Mortgage Loans
Understanding FHA Cash-out Refinance Mortgage Loans in 2025 Are you a homeowner looking to use your home’s equity to reach…
HARP Mortgage Loans After the 2008 Housing Crash
HARP Mortgage Loans was launched and created due to the 2008 financial crisis. Millions of homeowners bailed where they just turned in their keys to their mortgage lenders.
Refinancing Community Property States Mortgage Guidelines
What Are Refinancing Community Property States Mortgage Guidelines? Refinancing in community property states requires non-borrowers debts to be included on FHA loans. Conventional loans do not require non-borrowers debts to be included in the debt to income ratio calculations.
Home Affordable Refinance Program Extended For Underwater Mortgages
Home Affordable Refinance Program Extended: What Happened and Your Options in 2024 If you’re a homeowner who’s been keeping up…
HARP with Second Mortgage: What You Need to Know
HARP With Second Mortgage: Can You Refinance with a Second Mortgage Through HARP in 2024? If you have a second…
Low Credit? Get FHA 203k Loan With Under 600 Credit Scores
Dreaming of turning that fixer-upper into your dream home but worried your credit score isn’t up to par? You’re not…
VA Cash-Out Guidelines: Save Big on Your Refinance
The Department of Veterans Affairs has lowered the maximum loan to value on cash-out refinance VA loans from 100% LTV to 90% LTV. This was brought on by the VA due to the booming housing market nationwide. HUD, the parent of FHA, also lowered the cash-out loan to value on FHA loans from 85% to 80% LTV.
NON-QM 95% LTV Debt-Consolidation Refinance Made Easy
Are you feeling overwhelmed managing several debt payments every month? If your home doesn’t hold much value but you’re looking…
NON-QM Cash-Out Refinance Mortgage Guidelines
Want to know about Non-QM cash-out refinance mortgage? If you’re a homeowner who wants to use your home’s value to…
Two VA Loans at The Same Time Mortgage Lending Guidelines
As most readers of our blogs know, Gustan Cho Associates are experts in VA mortgage lending. Our highly skilled team…
VA Cash-Out Refinance Mortgage Loans
We will be covering the updated VA cash-out refinance mortgage loans. Gustan Cho Associates, empowered by NEXA Mortgage, LLC are…
VA Refinance Guidelines For IRRRL and Cash-Out Refinance
VA Refinance Guidelines encompass two distinct mortgage processes: the VA streamline refinance (IRRRL), and the VA cash-out refinance. Gustan Cho…
HUD Cash-Out Mortgage Guidelines on FHA Loans
This blog will cover and discuss HUD Cash-Out Mortgage Guidelines on FHA loans for 2024. Home values are rising across…
Benefits Of Refinancing During Historic Low Mortgage Rates
It is no secret that mortgage interest rates are at historic lows. The COVID-19 pandemic has affected every global market,…
Refinance Waiting Period Mortgage Guidelines
In this blog, we will cover and discuss the refinance waiting period mortgage lending guidelines on home mortgages. For homeowners…
Shopping For Best Mortgage Rates in California
This guide covers shopping for best mortgage rates in California on home purchase and refinance home loans. California is the…
NON-QM Cash-Out Debt Consolidation Refinance With 90% LTV
This Article Is About NON-QM Cash-Out Debt Consolidation Refinance With 90% LTV. The housing market is hot despite rising mortgage…
How To Get Your Ex-Spouse Off Your Mortgage After a Divorce
In this blog post, we’ll explore how to remove your ex-spouse from your mortgage following a divorce. Despite the overall…
Right of Rescission Mortgage Guidelines on Refinances
This guide covers the right of rescission mortgage guidelines on refinances. As we have seen interest rates drop over the…
