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When saving money buying a house, remember one key thing, low rates with FICO credit scores. This article will cover how to get low rates with high FICO for mortgages. It is possible for a homebuyer to qualify for a home loan with bad credit. Borrowers who do not meet the minimum credit scores to…
This guide will cover finding the best mortgage lenders for the best rates. Buying a home is a significant milestone, a dream-come-true to many. However, this process can be overwhelming! Not all mortgage lenders have the same mortgage rates. There are mortgage lenders for the best rates. We will show you how to shop for…
Gustan Cho Associates has over 160 wholesale lending partnerships. Gustan Cho Associates has a national reputation for its no lender overlays on government and conventional loans. We have a reputation for being able to do loans other lenders cannot do. Gustan Cho Associates are mortgage brokers licensed in 48 states including Washington, DC, and Puerto…
In this article, we will cover and discuss how mortgage lenders determine interest rates. Many home buyers and homeowners often get confused when they shop for rates on how mortgage lenders determine rates. Mortgage borrowers should be aware of the various how mortgage lenders determine rates prior to applying for a mortgage. Not all borrowers…
How Do Mortgage Companies Price Mortgage Interest Rates? In this guide, we will cover and discuss how the home buying and refinance mortgage process works. A home is most people’s single largest investment in their lifetime. Most folks do not have the money to purchase a home with cash. Most homebuyers will need a…
In this blog, we will cover and discuss qualifying for VA loans by Wisconsin VA mortgage lenders with no lender overlays. Gustan Cho Associates, empowered by NEXA Mortgage, LLC NMLS 1660690 has a large presence in Wisconsin. Gustan Cho Associates empowered by NEXA Mortgage, LLC is licensed in 48 states, including Wisconsin, and is based…
This Article Is About Credit Score Improvement In Mortgage Process Benefits Rates Credit scores are the biggest determinant of what mortgage rates borrowers get, especially on conventional loans. For FHA loans, if credit scores are under 600, interest rates will definitely be higher. Loan Level Pricing Adjustments (LLPA) are pricing adjustments on borrowers due to…
This Article On Refinance Mortgage Loans Hit Year High Due To Low Rates Refinance Mortgage Loans is the hottest thing right now. Many mortgage companies are swamped with homeowners trying to refinance their current mortgage loans at lower rates The breaking news the Central Bank lowering rates to zero percent drove mortgage rates at historic lows…
BREAKING NEWS: Record Low Mortgage-Rates Skyrocket Due To Capacity And Liquidity Issues By Lenders Record Low Mortgage-Rates Skyrocket: The coronavirus originated from Wuhan, China in December 2019. The virus rapidly spread to other parts of the world including the United States The US economy was the strongest in history until the coronavirus outbreak hit the…
This Article Is About Time To Refinance Due To Lowest Mortgage Interest Rates In 2 Years Most homeowners who closed on their mortgage loans last year in 2018 closed them at higher rates. Mortgage interest rates in 2018 were the highest since the 2008 Real Estate and Banking Meltdown Homeowners who have mortgage interest rates…
This BLOG On Housing Market Strong Due To Declining Mortgage Interest Rates Was PUBLISHED On March 25th, 2019 Many economists and housing experts are expecting Housing Market Strong in 2019 due to the FED announcing of an interest rate freeze for the remaining year. In 2018, mortgage rates shot up to an all-time high since the…
This BLOG On Mortgage Interest Rates On Conventional Versus FHA Loans Was Updated On November 26th, 2018 Mortgage Interest Rates On Conventional Loans are more sensitive to credit scores and loan to value than FHA Loans. The higher the borrower’s credit scores, the lower their conventional mortgage rate For the lowest possible conventional mortgage rate, the…
This BLOG On Overview Of Mortgage Markets And Interest Rates Was Written By Ron Granado The Mortgage Markets And Interest Rates and related markets have seen a couple of trends in recent weeks. The first and foremost is rising interest rates when analyzing Mortgage Markets And Interest Rates Ultimately, in order for an economy to grow in a…
Buying a House in Nevada: The Ultimate 2024 Guide to Making Your Dream Home a Reality Buying a house in Nevada is an exciting journey, whether you’re a first-time homebuyer or looking to relocate to one of the country’s fastest-growing states. With its booming economy, no state income tax, and vibrant communities like Las Vegas,…
Debt Settlement Versus Bankruptcy: A Guide for Mortgage Borrowers in 2024 If you’re juggling debt and trying to figure out your next step, the decision between debt settlement versus bankruptcy can feel overwhelming. Both options can help you take control of your financial future, but they also have long-term effects on your credit, financial stability,…
How Do I Know If I Qualify For A Mortgage? All loan programs have different lending guidelines. However, you normally need timely payments in the past twelve months and need qualified income and have the ability to repay your new mortgage.
VA Loans with High Debt-to-Income Ratio: A 2024 Guide for Veterans Are you a Veteran worried about your high debt-to-income ratio holding you back from a VA loan? Here’s the good news: VA loans offer some of the most flexible options, even if your debt-to-income ratio (DTI) is on the high side. In this guide,…
Guide to Freddie Mac Mortgage Guidelines for 2024: Your Path to Homeownership or Refinancing Are you ready to own a home or refinance your current mortgage but find all the mortgage terms confusing? Freddie Mac’s mortgage guidelines can be your solution! In this guide, we’ll break down everything you need to know about Freddie Mac’s…
USDA One Credit Score Mortgage: What You Need to Know to Qualify in 2024 If you’ve been told you can’t qualify for a USDA loan because you only have one credit score, you’re not alone. Many potential homebuyers are turned away by lenders requiring three credit scores, but that’s not the full story. At Gustan…
2024 Guide to Low Credit Score Pricing Adjustments: Understanding Your Options to Save on Your Mortgage Ready to buy or refinance but worried about how your credit score affects your mortgage rate? Don’t stress—understanding low credit score pricing adjustments can help you save on your mortgage. Let’s break down how these adjustments work, what they…
Freddie Mac Home Possible Mortgage: Your Key to Low Down Payment Homeownership in 2024 Are you dreaming of owning a home but worried about the down payment? The Freddie Mac Home Possible mortgage program offers a smart solution. This loan option is ideal for low- to moderate-income buyers, enabling you to buy your own home…
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