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Buying a House in Savannah, Georgia: Your 2025 Guide to Homeownership If you’ve been considering buying a house in Savannah Georgia, you’re definitely in good company. Savannah is one of the fastest-growing small cities in the U.S., famous for its charm, cobblestone streets, historic buildings, and those gorgeous oak trees covered in Spanish moss. But…
This guide covers what are the FHA loan limits for one-to-four unit properties in Illinois. FHA loan limits for one-to-four unit properties depends on the particular county the property is located as well as the type of housing. Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates says the following about FHA loan…
This guide covers limited review versus full review condo purchase. Due to the real estate and mortgage meltdown of 2008 and the historical number of foreclosures throughout the country, new FHA, Fannie Mae, and Freddie Mac mortgage guidelines have been implemented on condominium unit purchases. There are limited review versus full review condo purchase rules…
This guide covers Illinois versus Indiana property tax comparison. Illinois is home to many including myself and Gustan Cho Associates. Downtown Chicago is probably one of the most beautiful spots, if not the most beautiful, in the country. Everything about Illinois is great. The city and surrounding suburbs is a melting pot of all cultures….
How to Avoid Customer Complaints as a Loan Officer: Proven Tips That Work The mortgage business is full of moving parts, pressure, and paperwork. When something goes wrong, the borrower finds it hard. That’s why knowing how to avoid customer complaints as a loan officer isn’t just important—it’s essential. At Gustan Cho Associates, we specialize…
This guide covers how Californians fleeing to low-taxed states. California is the most populous state in the U.S. Over 39 million people live in the state of California. California has the highest home prices in the country. Average homes in California are priced at $787,500 compared to the national average of $497,000. This is double…
This guide covers how much money do I need to buy a house. One of the most common first time home buyer questions is how much money do I need to buy a house. On all home purchase transactions, there are two types of funding a home buyer needs: The down payment on a home purchase….
This guide covers smart ways to pay off your debt. The obsession people have with living “the good life” creates problems. It tends to give people cause to go into debt. The truth is far too many people have become overly-reliant on credit cards to navigate their day-to-day lives. Dale Elenteny, a senior mortgage loan…
In this guide, we will cover steps to manage your debt in 2025 for consumers. It can get very difficult for some people to handle their finances and pay off what they owe. Which is why they often fall into debt as they’re trying their best to make a living and survive as well. To…
This guide covers effective ways to finance your dream condo for condominium buyers. Acquiring a house or a condominium unit within the sprawling and bustling metropolitan area can be a young professional’s dream come true. Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates says the following about effective ways to finance your…
This article covers everything you need to know about how to choose the right internet lawyer. How do you go about choosing the right Internet attorney that fits your budget and needs? Legal services are just like other products in the market; the wise customer carries out some research before making the final choice Once…
This guide covers how loan officers prepare borrowers for mortgage underwriters. How loan officers prepare borrowers for mortgage underwriters depends on the individual loan officer. Most experience loan officers will make sure all mortgage documents is complete before submitting a loan. Any missing docs and/or pages will be potential delays in getting a clear to…
Buying a Home in States With Exceptional Campgrounds: Your Guide to Outdoor Living Are you dreaming of a home where you can walk out your front door and into nature? Whether you’re a weekend camper, a full-time adventurer, or love peace and quiet, moving to one of the states with exceptional campgrounds could change your…
Debt-to-Income Ratio Overlays: What Homebuyers Need to Know Your debt-to-income ratio (DTI) matters to lenders when getting a mortgage. But here’s the catch: different lenders have their own set of rules. Some can add their own extra restrictions on top of the basic guidelines, and these extra rules are what we call debt-to-income ratio overlays….
Buying a House With Tenants: Everything You Need to Know Buying a house with tenants already living there can be a smart or risky move. Whether you plan to move in or invest, it’s important to understand what you’re getting into. In today’s tight housing market, buying a house with tenants is more common than…
Non-QM Loans for Real Estate Investors: A Smart Alternative to Hard Money in 2025 If you’re a real estate investor looking to buy a rental property, fix and flip a home, or grow your portfolio, you may have hit a wall with traditional lenders. Maybe the bank said no because you’re self-employed, don’t show enough…
This guide will cover the top cities in the United States in which to invest in real estate. It is no secret that the economy is not what it used to be. Things have become more expensive, salaries are the same, and you get the feeling of being under a financial burden all the time….
Buying a house for the first time is indeed one of the largest financial milestones in one’s life. The thrill of the event is accompanied by a very concrete and usually overwhelming question: How much money do first time home buyers need to purchase a house in reality? The majority of people still choose to…
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…
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…
USDA Underwriting Guidelines: 2025 Guide to Getting Approved for a USDA Loan Are you looking to buy a home in a rural or suburban area with little to no money down? The USDA loan program might be perfect for you. In this updated 2025 guide, we break down the USDA underwriting guidelines in plain English,…
Bad Credit Repair in Florida: 2026 Guide to Buying a Home with Low Credit Scores Are you tired of renting in Florida because your credit isn’t perfect? You’re not alone. Many people with bad credit believe they can’t buy a home, but that’s simply not true. This 2026 guide will help you grasp how to…
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