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Homebuyers and homeowners can secure Chapter 13 Trustee Mortgage Approval under the Chapter 13 Bankruptcy repayment plan. FHA and/or VA loans are accessible for homebuyers in this phase. Amidst a booming housing market, numerous homeowners find themselves with substantial equity in their properties..Alex Carlucci, a senior loan officer at Gustan Cho Associates and an associate…
FHA Debt-to-Income Ratio Requirements 2026: Max DTI Limits, Calculations & How to Qualify for Approval If you’re applying for an FHA loan, one of the most important things lenders look at is your debt-to-income ratio (DTI). Simply, this tells lenders how much of your income is already going toward monthly debts, including your future mortgage….
When the stock market drops sharply, many homebuyers, homeowners, and real estate investors immediately ask the same question: Will mortgage rates go down, too? It is a fair question because market volatility often creates major shifts in borrowing costs, consumer confidence, and housing affordability. Understanding how a stock market correction affects is important for anyone…
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…
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…
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…
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…
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…
NON-QM Jumbo Loans: Flexible Mortgage Options for Bad Credit and Alternative Income Documentation NON-QM jumbo loans are alternative mortgage loan programs for owner-occupant primary homes, second homes, and investment properties. Most non-QM loans do not have maximum loan limits. Any non-QM or alternative lending products with a loan balance higher than the 2026 conforming loan…
Non-QM 90 LTV Jumbo Loans: How High-Balance Borrowers Qualify With Less Than 20% Down In this blog, we will discuss and cover our traditional 90 LTV jumbo loans with no private mortgage insurance required. Gustan Cho Associates offers a wide variety of traditional and non-traditional alternative jumbo mortgage programs. Learn about Non-QM 90 LTV jumbo…
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…
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 article, we will be comparing FHA loans vs VA loans. VA loans by far are the best mortgage loan program in the nation. The U.S. Department of Veterans Affairs is the federal government agency administering the agency mortgage guidelines on VA loans. The role of the Veterans Administration (VA) and the U.S. Department…
The mortgage industry has gone through dramatic shifts over the past few years. From rising interest rates to new loan limits and updated underwriting standards, mortgage guidelines on home loans continue to evolve. At Gustan Cho Associates, we know how confusing these changes can be for borrowers. That’s why this 2026 guide breaks down the…
It has been over a dozen years since the 2008 financial crisis. Skyrocketing home prices is no doubt scaring mortgage regulators of another potential housing bubble and crisis. However, strong extensive mortgage regulations were implemented to avoid another housing crash and mortgage crisis.
VA home loans are among the most powerful benefits available to eligible veterans, active-duty service members, and certain surviving spouses—often offering 0% down, no monthly mortgage insurance, and more flexible credit guidelines than many other programs. This guide breaks down VA home loan requirements in plain English, including eligibility, the Certificate of Eligibility (COE), credit…
In this guide, we will cover the best strategies for buying and selling a ome at the same time. Buying and selling a home at the same time can feel like juggling fireballs—exciting but stressful. If you’ve ever wondered how to handle both without losing your mind, you’re not alone. Many homeowners find themselves in…
According to VA and HUD Chapter 13 cash-out refinance guidelines, homeowners may be eligible for a cash-out refinance on an FHA or VA loan, allowing them to pay off their Chapter 13 Bankruptcy ahead of schedule. VA and FHA loans are the only mortgage loan programs that permit borrowers to purchase or refinance a home…
This article will discuss HUD bankruptcy guidelines following Chapter 7 and Chapter 13 bankruptcy, particularly about FHA loans. HUD Bankruptcy Guidelines affirm that individuals can become eligible for FHA loans after Chapter 7 and Chapter 13 Bankruptcy filings. Many prospective homebuyers, particularly those entering the market for the first time, may erroneously believe that obtaining…
This guide covers 15 year versus 30 year fixed rate mortgages on loan programs. All residential mortgage loan programs have amortized terms. The most common mortgage programs are the 30-year fixed-rate mortgages. In 2026, you can compare 15-year and 30-year FHA loans, see how monthly payments and mortgage insurance rules differ, check loan limits, and…
Buying a house during a recession can feel scary. News headlines discuss job losses, high prices, and interest rate changes. At the same time, you may come across homes that fit your needs, and worry that you will miss your chance. This guide is here to help you buy a house even when the economy’s…
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