Search Results for: MORTGAGE RATES

Home Mortgages | Career Opportunities/Loan Officer Training | First Time Home Buyers | Mortgage Processing And Underwriting | Real Estate Topic | Videos

Realtors Marketing Package For Home Buyers
ByGustan Cho, NMLS 873293 May 28, 2024January 12, 2026

This guide covers realtors marketing package for home buyers, real estate agents and referral partners. Home buyers rely on their real estate agents for advice, and one of the most important roles of a realtor is to give their home buyers a referral to a loan officer. Giving the wrong loan officer referral partner as…

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House Flipping | FHA Loans | Fix-and-Flip Mortgage Loans | Real Estate Topic | Videos

FHA Flipping Guidelines For Homebuyers and Investors
ByAlex Carlucci, NMLS: 229891 May 27, 2024July 8, 2025

HUD, the parent of FHA, has strict rules on financing home buyers who are buying property flips.

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VA Loans | High-Balance Mortgage Loans | Videos

High-Balance VA Loans (Jumbo VA Loans)
ByGustan Cho, NMLS 873293 May 27, 2024March 20, 2026

Most people don’t know that the VA does not limit the amount that you can borrow. The VA guarantee limits the amount that most lenders will allow with zero down, but with a down payment there are no VA loan limits.

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Home Sellers | Real Estate Topic | Selling Your Home | Videos

Selling House in Bad Market
ByJohn Strange, NMLS: 230932 May 26, 2024March 20, 2026

This guide covers selling house in bad market during period of high inflation and skyrocketing mortgage rates. Despite high mortgage rates, high inflation, and a deteriorating overall economy, the housing market is still booming. Home prices are increasing. In general, there is more demand for homes versus inventory. Dale Elenteny, a 30-year veteran of the…

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Headline News Archives | Videos

Bankruptcy For Illinois is a Solution to Save the State
ByAlex Carlucci, NMLS: 229891 May 25, 2024June 12, 2025

This guide covers bankruptcy for Illinois may be a possible solution to save the state. Bankruptcy for Illinois may be an option for the state due to their many years of financial mismanagement. Illinois, along with a few other states, has been struggling with budget deficits for many years. Prior to the coronavirus pandemic, the…

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Videos | Non-Occupant Co-Borrowers | VA Loans

VA Guidelines on Co-Borrowers For VA Loans
ByDale Elenteny, NMLS: 904444 May 24, 2024March 20, 2026

This guide covers VA guidelines on co-borrowers for VA loans. We will discuss the VA guidelines on co-borrowers. Income is one of the most important factors when qualifying for VA loans. VA loans have specific mortgage lending guidelines for co-borrowers and are different than any other mortgage loan programs regarding co-borrowers. Dale Elenteny, a senior…

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Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | FHA Loans | First Time Home Buyers | VA Loans | Videos

Steps To Buying Your First Home In Wyoming Without Stress
ByAlex Carlucci, NMLS: 229891 May 22, 2024April 13, 2026

In this blog, we will cover and discuss the steps to buying your first home in Wyoming. Buying your first home in Wyoming should not be stressful. It should be an exciting point in your life where you are making your single largest investment and starting a new chapter in your life as a homeowner….

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Appraisal | FHA Loans

HUD Guidelines for FHA Loans: FHA Property Standards
ByGustan Cho, NMLS 873293 May 20, 2024March 23, 2026

HUD Guidelines On FHA Property Standards is the home needs to be safe, secure, and habitable. No need to be alarmed if the home is old. As long as the home is secured, safe, and habitable, it will pass FHA Home Appraisal.

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Home Mortgages | video

Sellers Concessions And Tax Prorations On Illinois Home Purchase
ByDale Elenteny, NMLS: 904444 May 13, 2024March 24, 2026

Understanding Sellers Concessions and Tax Prorations in Illinois Home Purchases Illinois home buyers benefit from a unique financial advantage that sets them apart from buyers in many other states. Illinois is characterized by its system, where property taxes are paid in arrears. This means that sellers must credit buyers with the property taxes for the…

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Condominium Loans | Investment Homes | NON-QM Loans | Videos

Financing Options For an Investment Home Purchase
ByGustan Cho, NMLS 873293 May 11, 2024April 9, 2026

This guide covers investmetn home pruchase mortgage guidelines. Investment home mortgage loans can be conventional or non-qm loans. Investment home purchase mortgage loans. If you are planning on getting investment home purchase mortgage loan, then Fannie Mae or Freddie Mac agency guidelines apply. If you are planning on getting non-QM investment home mortgage loans, then…

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Bad Credit Mortgages | Credit Scores | Home Purchase | video

Buying a Home With Bad Credit in Nevada With Under 600 FICO
ByMike Gracz, NMLS: 1160212 May 9, 2024April 3, 2026

In this article, we will delve into the process of buying a home with bad credit in Nevada, specifically for individuals with credit scores below 600. The team at Gustan Cho Associates specializes in guiding homebuyers through purchasing a home with bad credit in Nevada. Over 75% of our clients come to us after being…

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Investment Homes | Mortgage Rates | Real Estate Topic | Videos

Buying an Investment Property Using a Conventional Loan
ByAlex Carlucci, NMLS: 229891 May 1, 2024June 16, 2025

This guide covers buying an investment property using a conventional loan. Buying an investment property using a conventional loan with have tighter restrictions, lower debt-to-income ratio, mortgage loan-level pricing adjustments, and higher rates from Fannie Mae and Freddie Mac. Mortgage giants Fannie Mae with regards to buying an investment property using a conventional loan. Fannie…

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FHA Loans | Manual Underwriting | Mortgage Processing And Underwriting | Videos

How to Get a Home Loan With No Credit
ByAlex Carlucci, NMLS: 229891 April 29, 2024June 17, 2025

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.

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Mortgage Insurance | Conventional Loans | Videos

What Is PMI on Conventional Loans
ByAlex Carlucci, NMLS: 229891 April 29, 2024June 20, 2025

This guide covers what is PMI on conventional loans. What Is PMI? One of the most common questions I often get asked by my borrowers is what is PMI or private mortgage insurance. There are two types of mortgage insurance: Mortgage insurance premium and private mortgage insurance (PMI). Mortgage Insurance Premium is for FHA Loans….

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Commercial Loans | Hard Money Loans | Real Estate Topic | Videos

How Do I Qualify For Private Money Loan To Invest in Real Estate
ByJohn Strange, NMLS: 230932 April 26, 2024June 23, 2025

This guide covers the frequently asked question how do I qualify for private money loan to invest in real estate. We will thoroughly go over how to qualify for private money loan for investment real estate properties. The most important step is to know the general rules is most private and hard money lenders use…

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Mortgage Refinance | NON-QM Loans | Refinancing | video

NON-QM Cash-Out Debt Consolidation Refinance With 90% LTV
ByMike Gracz, NMLS: 1160212 April 24, 2024July 28, 2025

This Article Is About NON-QM Cash-Out Debt Consolidation Refinance With 90% LTV. The housing market is hot despite rising mortgage rates. Nationwide, home prices have been steadily increasing year after year since 2010. Most of Florida, Texas, Georgia, California, Colorado, New Jersey, Indiana, Pennsylvania, Kentucky, Mississippi, Michigan, Illinois have seen home values increase double digits….

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Bad Credit Mortgages | FHA Loans | First Time Home Buyers | Real Estate Topic | Videos

FHA Loans Bad Credit Georgia For Credit Scores Down to 500
ByDale Elenteny, NMLS: 904444 April 19, 2024March 20, 2026

FHA loans bad credit Georgia mortgage requirements and guidelines make FHA home mortgages the most popular loan program for first-time homebuyers, borrowers with credit scores down to 500 FICO, and homebuyers with high-debt to income ratios. HUD, the parent of FHA, is the federal government agency in charge of the administration of FHA loans. Alex…

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Bad Credit Mortgages | FHA Loans | Videos

FHA Loans In Las Vegas With Bad Credit
ByGustan Cho, NMLS 873293 April 19, 2024April 13, 2026

This blog will discuss getting approved for FHA loans in Las Vegas with bad credit and credit scores down to 500 FICO. This blog will cover FHA loans with bad credit in Las Vegas. FHA loans are very popular mortgage loan programs for borrowers with bad credit, first-time homebuyers with no credit, and borrowers with…

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Headline News Archives | Mortgage Rates | Real Estate Topic | Videos

Is This The Year of the Housing Bubble?
ByAlex Carlucci, NMLS: 229891 April 16, 2024June 24, 2025

Rumors are flying about a possible housing bubble in the US. Are they based in fact, or is this wishful thinking on the part of frustrated would-be buyers?

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Home Purchase | Home Mortgages | Real Estate Topic | Rental Income | Videos

Florida Housing Market For Homebuyers and Renters
ByGustan Cho, NMLS 873293 April 14, 2024March 20, 2026

There is no sign of any housing market crash, especially in Florida. Home prices are booming with no signs of any correction.

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FHA Loans | Bad Credit Mortgages | Mortgage Lender Overlays | Mortgage Processing And Underwriting

North Carolina FHA Lenders For Bad Credit with No Overlays
ByGustan Cho, NMLS 873293 April 5, 2024June 27, 2025

In this blog post, we’ll discuss qualifying for FHA loans with top North Carolina FHA lenders for bad credit. It’s important to note that not all North Carolina FHA lenders have identical loan criteria. First-time homebuyers with lower credit scores or lacking credit history may be rejected by one lender but approved by another lender…

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Home Purchase | Real Estate Topic | Videos

What Is The Benefit of Buying a House in California Versus Other States
ByJohn Strange, NMLS: 230932 April 3, 2024March 20, 2026

This guide covers the benefit of buying a house in California versus other states. California reached record home prices Despite the historic high rate and soaring inflation in June 2023. California has the nation’s highest home prices. California is also one of the highest-taxed in the nation. The California real estate market is one of…

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