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In this guide, we will cover what to do if borrowers get mortgage denial from bank. First and foremost, find out the reason why you got denied. Is it because of having lower credit scores? Was it because of prior bad credit? Was it due to high debt-to-income ratios? Is it due to outstanding collections…
Mortgage One Day Out of Foreclosure: How to Get Approved Fast in 2025 Are you trying to get a mortgage one day out of foreclosure? You’re not alone. Life happens. A foreclosure can leave a mark, but it doesn’t mean your dreams of owning a home again are over. In fact, with the right lender,…
Can You Close Your Investment Property Under A Limited Liability Corporation? Many wholesale real estate investors will not allow borrowers of investment properties to close
This guide covers mortgage rate forecast and outlook seem promising with the election of a new President. Mortgage rate forecast is expected to move lower in 2025 into 2026. Mortgage rate forecast and outlook seem like rates will move lower but not quickly due to inflation and the Trump tariffs. John Strange, a senior mortgage…
This guide covers the Fannie Mae guidelines on conventional loans with a waiting period after mortgage part of bankruptcy. Many of our borrowers are folks with prior bankruptcy, foreclosure, short sale, or deed-in-lieu of foreclosure. Borrowers can qualify for a home loan after bankruptcy and foreclosure. This holds true as long as they meet the…
Are There Any Mortgage Lenders That Offer 95% CLTV Jumbo Mortgages For High-End Home Purchases? Gustan Cho Associates are experts in helping buyers of high-end homes qualify for 95% CLTV Jumbo Mortgages for high-end properties.
Mortgage Payment Structure Explained: What Every Homebuyer Needs to Know Are you considering buying a home but unsure what a mortgage payment includes? You’re not alone. A lot of first-time homebuyers don’t realize that their mortgage payment includes more than just paying back the loan. In this updated guide, we’ll explain exactly how a mortgage…
Mortgage brokers are paid a commission, referred to as Yield Spread Premium Explained, from wholesale mortgage lenders or end lenders, for their services of originating a mortgage loan. Mortgage brokers are licensed mortgage loan originators who have relationships with multiple wholesale mortgage lenders. Mortgage Brokers are licensed professionals who have access to multiple wholesale lending…
The Role of the Loan Officer Assistant: How They Help You Get a Mortgage Buying a home or refinancing can be one of the most exciting times in your life—but it can also feel overwhelming. The mortgage process can seem complex, with many steps and paperwork. But what if we told you there’s someone dedicated…
There is no reason why a pre-approved borrower should ever get a last-minute mortgage denial by a mortgage underwriter. The main reason why borrowers get a last-minute mortgage
In this blog, we will cover and discuss qualifying and getting a mortgage approval for home purchase on acreage in rural areas. Gustan Cho Associates is licensed in 48 states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands. We have dozens of options for mortgage approval for home purchase on acreage in rural…
Closing Mortgage Under LLC: How Real Estate Investors Can Use an LLC to Get a Mortgage Are you a real estate investor wondering how closing mortgage under LLC works? You’re not alone. Investors often choose to buy or finance rental properties through a limited liability company (LLC) instead of using their personal names. This guide…
Social Security Income for Mortgage: How to Use It to Buy a Home If you’re living on Social Security income and think you can’t get a mortgage, you’re not alone. But here’s the truth: you can absolutely qualify for a mortgage using Social Security income. Whether you’re retired, semi-retired, or on disability, there are loan…
Credit Requirements: What You Need to Know to Get a Mortgage If you’re planning to buy a home, one of the first questions you may have is: “What are the credit requirements to get approved for a mortgage?” This guide will break it down for you in simple terms. We’ll walk you through the basics,…
Rhode Island Mortgage Calculator: 2025 Guide to Smart Home Buying Are you shopping for a home in Rhode Island? Want to know your real monthly mortgage payment before you fall in love with a house? You need a smart, accurate, easy-to-use Rhode Island mortgage calculator that gives you the whole picture—not just principal and interest….
New York Mortgage Calculator: 2025 Guide to Real Monthly Payments Are you in the process of purchasing a home in New York? One of the initial details you’ll need to determine is the amount of your monthly mortgage payment. But most online calculators only show your principal and interest. That doesn’t give you the full…
Mississippi Mortgage Calculator: 2025 Guide to Budgeting Your Home Loan with Confidence Are you thinking about buying a home in Mississippi? Before you fall in love with a house, make sure it fits your budget. The easiest way to do that? Use the Mississippi mortgage calculator by Gustan Cho Associates. It’s the most accurate tool…
Maine Mortgage Calculator: 2025 Guide to Budgeting Your Home Purchase Are you thinking about buying a home in Maine? Before falling in love with your dream house, it’s important to ensure it fits your budget. The easiest way to do that? Use the Maine mortgage calculator by Gustan Cho Associates. Our calculator goes beyond principal…
Massachusetts Mortgage Calculator: 2025 Guide to Know Your Real Home Costs Are you thinking about buying a home in Massachusetts? Before you start shopping, it’s smart to know your real monthly mortgage payment. That’s where the Massachusetts mortgage calculator by Gustan Cho Associates comes in. This easy-to-use tool helps you calculate your payment, including more…
Maryland Mortgage Calculator: 2025 Guide to Know Your Real Home Costs Thinking about buying a home in Maryland? Before falling in love with a house, it’s smart to know your monthly payment. That’s where the Maryland mortgage calculator by Gustan Cho Associates comes in. It helps you see the full picture—not just your loan amount…
Idaho Mortgage Calculator: Your 2025 Guide to Smarter Home Buying Are you thinking about buying a home in Idaho? Before you fall in love with a property, you need to know if it fits your budget. That’s where the Idaho mortgage calculator from Gustan Cho Associates can help. It doesn’t just give you an estimate—it…
Hawaii Mortgage Calculator: See Your Real Payment and Buy With Confidence Thinking about buying a home in Hawaii? You might be wondering what your monthly mortgage payment will look like. The truth is, most online calculators only give you the loan’s principal and interest. But when you’re shopping for a home in Hawaii, that’s only…
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