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Tennessee Mortgage Loans: FHA, VA, USDA, Conventional, Jumbo, and Non-QM home loans available across Tennessee. Finding the right Tennessee mortgage can be overwhelming, especially with the numerous programs and assistance available. This guide explains FHA, VA, USDA, Conventional, Jumbo, and non-QM loans to help you make informed, confident choices. Explore Tennessee’s mortgage loan options, including…
There’s a common misconception that only those with excellent credit scores can secure a conventional loan, while FHA loans are reserved for borrowers with poorer credit. However, this belief needs to be revised. Both conventional and FHA loans operate under distinct lending guidelines. Dale Elenteny,a senior mortgage loan originator and an associate contributing editor at…
Mortgage Broker Vs Lender: What Homebuyers Need To Know When comparing a mortgage broker versus lender, the main difference is simple. A mortgage broker helps you shop around by connecting you with different lenders so you can compare loan options. On the other hand, a direct lender or mortgage banker offers its own mortgage products…
This guide covers advice and tips for home buyers in qualifying and getting approved for a mortgage. Buying a home is one of the most important decisions you will make. Whether you are a first-time home buyer or looking to move, the process can seem complicated. But with the right advice and tips, you can…
Self-Employed Relocation Mortgage Guidelines: What to Expect in 2026, Requirements, and How to Get Approved This guide covers self-employed relocation mortgage guidelines. We will cover the most important guidelines, challenges, and expert approval strategies for self-employed wage earners relocating and buying a house in a new area. Three primary categories of residential mortgages cater to…
In this first-time homebuyer FAQs guide, we will cover the common frequently asked questions by first-time homebuyers. Gustan Cho Associates get countless inquiries from first-time homebuyers about qualifying for a mortgage and the mortgage process. Most of our first-time homebuyer FAQs are similar questions. First-time homebuyers often have a lot of unanswered and/or conflicting answers…
This guide covers avoiding home loan denial during the mortgage process. We will go deeply in giving our viewers tips and steps to take in avoiding home loan denial mainly relies on the loan officer. There is no reason why mortgage applicants should get a mortgage denial if they were properly qualified. Learn how to…
In this article, we will cover and discuss homes for heroes mortgage for firefighters and police officers. Gustan Cho Associates are excited to roll out our participation in the Homes For Heroes Real Estate Network. This Network is consisting of Realtors, loan officers, title companies, and inspectors to create discounts for the heroes that make…
The Federal Reserve does not set mortgage rates directly, but understanding how the Fed stabilizes the mortgage market can be crucial for borrowers. When the Fed takes actions to promote stability, it creates calm in the markets, allowing lenders to price loans more consistently. This consistency helps borrowers compare their options more effectively, lock in…
This guide covers when the right time to buy a home with high mortgage rates, skyrocketing home prices, and soaring inflation. Many wonder when the right time to buy a home is. Home prices have been rising for the past three years. Due to rising home prices, HUD and the Federal Housing Finance Agency have…
Borrowers with prior outstanding collections, charged-off accounts, and other bad credit can qualify for a mortgage without paying them off. The key to qualifying for a mortgage is not prior bad credit but timely payments.
Changes in mortgage lending in 2026 are occurring in several significant ways, particularly for borrowers who are mindful of loan limits, student loan calculations, down payment options, and flexible qualification programs. Updates to FHA, VA, USDA, conventional, and Non-QM lending could influence how much home buyers qualify for, how debt-to-income ratios are calculated, and which…
If you are shopping for a home loan, understanding APR versus interest rate is essential. Many borrowers assume the lowest interest rate automatically means the best mortgage deal, but that is not always true. The interest rate shows the cost of borrowing, while the APR reflects the broader cost of the loan by including certain…
In this guide, we will discuss and cover HUD guidelines on student loans vs other mortgage programs. HUD, the Department of Housing and Urban Development, is the parent of FHA. The Federal Housing Administration, FHA, has changed the HUD guidelines on student loans. Alex Carlucci, a senior mortgage loan originator at Gustan Cho Associates and…
Buying a home is one of the biggest financial decisions most people will ever make, and understanding how your mortgage works is just as important as finding the right house. When you take out a mortgage, your loan balance does not stay the same until the end of the term. Every month, your mortgage payment…
A cash-out refinance mortgage allows homeowners to use the value they’ve built up in their house. It means getting a new mortgage bigger than the one you already have, and you get the extra money in cash. This guide will show you all you need to understand about cash-out refinance mortgages in 2026. Most homeowners…
Investment Home Mortgage Loans: 2026 Guide to No Doc, DSCR, and Non-QM Options Getting the right investment home mortgage loan can make all the difference if you’re looking to build wealth through real estate. Many real estate investors today want flexible loan programs that don’t require traditional income verification. The good news? In 2026, more…
Conventional Versus Government-Backed Mortgages: Which Loan Fits You Best? When you’re buying a home, one of the first big decisions is choosing between conventional versus government-backed mortgages. These two loan categories dominate the U.S. housing market and affect your down payment, credit score requirements, and even what type of property you can buy. In this…
Choosing a loan officer can have a major impact on your homebuying experience. A good loan officer helps you understand your mortgage options, gives you accurate numbers, communicates clearly, and keeps your loan on track from pre-approval to closing. A poor loan officer can cause delays, confusion, unexpected costs, or even a denied loan. If…
Understanding QM-Qualified Mortgages: What Borrowers Need to Know in 2026 As you navigate the world of home loans, you will likely come across QM-qualified mortgages and non-QM loans. Knowing the difference can shape your eligibility, paperwork, interest rate, and the stability of your payments in the years ahead. At Gustan Cho Associates, we provide both…
This guide covers mortgage guidelines on foreclosure and bankruptcy. If a mortgage loan borrower had a prior bankruptcy, there is a 2-year waiting period from the date of the bankruptcy discharge before a home buyer has to wait to qualify for FHA and VA Loans. If you have foreclosure but not bankruptcy, the following applies:…
In this blog, we will cover and discuss qualifying for a mortgage during and after divorce on purchase and refinance transactions. Divorce rates among Americans have surpassed the 56% mark. All marriages have a 56% probability of eventually ending up in divorce. Divorce can be very emotional and painful in more than several ways, says…
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