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Preparing to Qualify for Conventional Loans: Your Step-by-Step Guide to Homeownership Are you ready to buy a home but unsure how to qualify for a conventional loan? Many borrowers want to avoid FHA loans due to mortgage insurance requirements, student loan guidelines, or past financial history. Understanding how to prepare for a conventional loan can…
Can I Get Home Loan After Chapter 7 Bankruptcy? Home Loan After Chapter 7 Bankruptcy The economic scene has been brutal for many people over the last few years, especially after the financial meltdown of 2008. Many folks dealt with job losses and big financial shifts, which led to a rise in personal bankruptcies. You…
Understanding DTI Manual Underwriting Guidelines for FHA, VA, Non-QM, and Alternative Loans (2025 Update) Debt-to-income (DTI) manual underwriting guidelines are critical for borrowers who may not qualify through automated systems but want to achieve their dream of homeownership. Whether you’re applying for an FHA loan, a VA loan, or a non-QM loan, manual underwriting can…
FHA Loan with Recent Late Payments: A Guide to Qualifying Suppose you’ve had recent late payments on your credit report. In that case, you might wonder if qualifying for an FHA loan is possible. At Gustan Cho Associates, we specialize in helping borrowers with less-than-perfect credit, including those with late payments in the past 12…
Appraisal Transfer Policy: How to Transfer a Home Appraisal to a New Lender If you’re changing mortgage lenders and have already paid for a home appraisal, you’re probably wondering: Can I use the same appraisal? The good news is yes—in many cases, you can. The process is called an appraisal transfer, and this guide explains…
Most mortgage lenders really don’t like seeing overdrafts in bank statements. If they spot an overdraft, it can make them think you’re not managing your money well, which could lead them to reject your mortgage application. Even just one overdraft can be a deal breaker. So, it’s best to avoid submitting bank statements showing any…
Why Is GCA Different Than Other Lenders? Are you tired of being told “no” by mortgage lenders? Have you been denied a loan because of bad credit, bankruptcy, or income issues? You’re not alone. At Gustan Cho Associates (GCA), we help borrowers that other lenders turn away. In this guide, we’ll explain exactly why GCA…
GCA Approves When Others Can’t: 2025 Guide to Getting a Mortgage After Being Denied Have you been turned down for a mortgage? You’re not alone. At Gustan Cho Associates, we specialize in helping people get approved when other lenders say no. In fact, over 80% of our clients come to us after being denied somewhere…
FHA Back to Work Home Loans: 2025 Guide to Buying After Hardship If you lost your job, went through a foreclosure, or filed for bankruptcy in the past, and you’re wondering if homeownership is still within reach, you’re not alone. Many families are looking for ways to bounce back after financial hardship. That’s where the…
Dually Licensed Realtor and MLO: Double Your Income, Double the Opportunity Are you a real estate agent looking to boost your income, grow your career, and take full control of your deals? Becoming a dually licensed Realtor and MLO might be your smartest move this year. At Gustan Cho Associates, powered by NEXA Mortgage, we…
Bankruptcy and foreclosure both damage your credit and can make it difficult or impossible to buy or refinance a home. But one is worse than the other.
AUS Approval On Conventional Loans Versus Refer-Eligible Per AUS: There are ways and tricks of the trade to get an approve eligible per automated underwriting system on conventional loans.
Mortgage Questions | Get a Quick Estimate | Apply Now| Start the Pre-Approval Process Move Closer To Your Dream Home, Even If You Have Bad Credit; Apply Now Is homeownership a dream that can become a reality for you? Struggling credit score shouldn’t hold you back from exploring mortgage options. Many Americans indeed have credit…
Jumbo Loans Chapter 13 Bankruptcy Guidelines: How to Get Approved in 2025 Many homebuyers think filing Chapter 13 bankruptcy means they can’t buy a home for a very long time. The good news? That’s not true—especially when it comes to jumbo loans. Understanding jumbo loans Chapter 13 bankruptcy guidelines can open new doors to homeownership,…
Getting a mortgage approval after bankruptcy can feel stressful. Having late payments after a bankruptcy discharge makes things even more challenging. You may have heard lenders say it’s impossible. But here’s the good news: You can get an AUS approval with late payments after bankruptcy. At Gustan Cho Associates, we specialize in helping borrowers who’ve…
Buying a House in a Coastal City: The Ultimate Guide to Coastal Living and Homeownership Have you ever dreamed of waking up to the sound of waves crashing against the shore? Alex Carlucci, a senior loan officer at Gustan Cho Associates, explains the benefits of the mild climate in buying a house in a Coastal City…
Re-Establishing Credit During Waiting Period: How to Boost Your Credit and Get a Mortgage Life happens. Job loss, medical emergencies, divorce, or business failures can lead to financial setbacks, including bankruptcy, foreclosure, short sales, or deed-in-lieu of foreclosure. The good news? You can rebuild. Even if you’re in a waiting period after a significant financial…
Conforming Loans After Bankruptcy and Foreclosure: How to Get Approved If you’ve gone through bankruptcy or foreclosure, you might think homeownership is out of reach. But the good news is you can still qualify for a conforming loan—you just need to know the waiting periods, requirements, and steps to get approved. At Gustan Cho Associates,…
FHA Loan During Chapter 13 Bankruptcy in Arizona: How to Get Approved in 2025 Buying a home while navigating Chapter 13 Bankruptcy might seem daunting, but here’s some good news—you can qualify for an FHA loan during Chapter 13 Bankruptcy in Arizona. Many lenders say you need to wait until your bankruptcy is discharged, but…
Buying a home as a single parent may seem tough, but there are home loans for single moms that can make it easier than you think. Mortgage lenders will check your income, credit score, and how much debt you have compared to your earnings. But don’t worry—special grants and programs are designed to help single…
Fannie Mae Guidelines on Second Homes: What You Need to Know in 2025 Thinking about buying a second home? Here’s what you need to know! A second home can be a dream getaway, an investment in your future, or even a way to spend more time with loved ones. But before you start shopping for…
Your mortgage lender checks your credit when you apply for a home loan. Your credit score determines your mortgage rate and also if you qualify for a loan.
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