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Buying a home after rental problems can feel overwhelming, especially if past-due rent, collections, landlord debt, or an eviction are still affecting your credit or rental history. Many renters who went through hardship during the pandemic or after job loss, rising costs, or other financial setbacks now wonder whether homeownership is still possible. In many…
Home Purchase Loans: Traditional and Non-QM Options for 2026 Home purchase loans are the financing options that make it possible to buy a home—whether you’re a first-time buyer, upgrading to a bigger place, or purchasing after a credit event. The right loan affects everything: how much house you can afford, how much cash you need…
Moving is expensive—but most people overpay for the same 3 reasons: they move too much stuff, they book on peak days, and they don’t lock down fees in writing. This guide gives you the fastest ways on how to save money moving without it turning into a disaster. Inside you’ll get: A 25-item checklist you…
Remote MLO Career Opportunities: Work From Anywhere With Gustan Cho Associates If you’re an experienced mortgage loan officer looking for remote MLO career opportunities, you’ve found the right place. At Gustan Cho Associates, powered by NEXA Mortgage LLC, we’re not just offering a job — a career that gives you freedom, flexibility, and the tools…
One-Time Close Construction Loan Explained A one-time close construction loan (also called a construction-to-permanent loan) lets you buy land, pay for construction, and roll everything into one long-term mortgage with a single closing. Instead of getting a short-term construction loan and then refinancing later, you close once up front and the loan transitions to the…
In this guide, we will discuss the FHA guidelines on charge-offs and collections, crucial information for anyone seeking an FHA loan. These guidelines allow individuals with outstanding charge-offs and collection accounts to qualify for FHA financing. Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates says the following about FHA guidelines on charge-offs…
MLO License School: How to Become a Mortgage Loan Originator (Step-by-Step) To become a Mortgage Loan Originator (MLO), you’ll complete NMLS-approved education, pass the SAFE MLO Test, and apply for a state license through the NMLS. Most people start with the required 20-hour pre-licensing course, then move into exam prep and the licensing steps your…
This guide covers how to reach a human at the credit bureaus on the phone. Sometimes it is impossible to reach a human at the credit bureaus. This holds especially true at Experian. Gustan Cho Associates has tricks of the trade for our viewers to get a hold of a human customer service representative at…
80% of our borrowers who contact us at Gustan Cho Associates have gotten last-minute mortgage denials from other lenders or were told they could not qualify due to their lender overlays. Other borrowers were referred to us because they had no luck finding a mortgage lender with the mortgage loan program they were looking for….
Commercial Real Estate Loans: Your 2026 Guide to Smart Investment Financing Thinking about buying a rental building, retail store, or office space? You might need a commercial real estate loan to make it happen. Commercial real estate loans are built for business and investment properties, unlike home loans. In this guide, we’ll explain what they…
If you’re trying to buy home loans with no credit score, you’re not alone. First-time buyers, cash-only savers, new immigrants, and people who paid off all their debt often have no score—and that can confuse automated mortgage systems. Here’s the good news: you can still qualify for a mortgage with no credit score, as long…
This blog will discuss how mortgage underwriters calculate property taxes on new construction homes. Property taxes on new construction homes can often affect the homebuyer’s debt-to-income ratio due to being estimated versus an exact number. The exact property taxes on new construction homes are not known until a few years after the development has been…
Complying with Florida FHA loan requirements is one of the most flexible ways to buy a primary residence—especially if your credit isn’t perfect. In this guide, you’ll learn the current FHA minimums for credit score, down payment, debt-to-income (DTI), mortgage insurance, and common approval roadblocks, plus practical tips to improve your chances of getting an…
What Is a Portfolio Loan? A portfolio loan is when a lender decides to keep the mortgage in-house rather than sell it to big investors like Fannie Mae or Freddie Mac. Since they’re holding the loan, they can be much more flexible with the rules than with typical FHA or conventional loans. This is especially…
Can You Get a Conventional Loan After Foreclosure? Yes—many buyers can qualify for a conventional (Fannie Mae/Freddie Mac) loan after foreclosure, but you’ll usually need to meet a required waiting period first (most often 7 years from the completed/recorded foreclosure date). In some cases—such as hardship situations or when the mortgage was included in bankruptcy—the…
Why Florida Homeowners Insurance Matters? Having a home in Florida can be tricky in its own way. Sunshine and beaches attract millions, but hurricanes, sinkholes, and rising costs make homeowners insurance a major concern. The Florida homeowners insurance crisis isn’t just a headline—it’s something every buyer and homeowner feels in their wallet. At Gustan Cho…
Quick Answer: Non-QM Home Loan Guidelines Non-QM (non-qualified) mortgages are flexible home loans that don’t follow standard FHA/VA/USDA/Fannie Mae/Freddie Mac rules. They’re built for borrowers with real-world situations—self-employed income, high DTI, recent credit events, or investment properties—using alternative documentation like bank statements, DSCR, or asset-based qualifying. Guidelines vary by program and lender, so the best…
Quick Answer: Home Loan After Chapter 7 Bankruptcy Yes—many buyers can qualify for a home loan after Chapter 7 bankruptcy once the required waiting period is met (often 2 years for FHA/VA, longer for other programs). Your timeline depends on your discharge date, re-established credit, and clean payment history since bankruptcy. Late payments, new collections,…
First-time homebuyers need to hire an experienced realtor who is not just accessible 24/7 but who knows the area where the subject property is located.
Quick Answer Buying a house in Georgia is still one of the best ways to get more home for your money—especially if you’re a first-time buyer, have less-than-perfect credit, or are self-employed. The right loan (FHA, VA, USDA, Conventional, or Non-QM), a clean pre-approval, and a smart offer strategy can help you buy in Georgia…
Quick Answer To get approved for a mortgage, you usually need to know how to remove credit disputes (the “consumer disputes this account” flag) before underwriting—unless they’re exempt (often medical disputes, zero-balance non-medical, older disputes, or small total balances). The fastest fix is to request that the bureau/creditor remove the dispute notation, then confirm it…
Quick Answer In how determine your home value, start with recent sales of similar homes (comps), cross-check with 2–3 online value estimators, and adjust for upgrades, condition, and location. If you need a number you can defend for refinancing, PMI removal, or a sale, confirm your estimate with a local agent’s CMA or a licensed…
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