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Buying a home in Florida is a dream for many people. Sunshine, beaches, no state income tax, and year-round outdoor living make the state very attractive to both local renters and out-of-state buyers. But buying a home in Florida also comes with unique rules, costs, and risks that many buyers do not discover until it…
When COVID-19 hit in early 2020, millions of homeowners used the CARES Act mortgage forbearance program to stay afloat. Years later, many of those same borrowers want to buy a new home or refinance and are now asking one big question: What is the waiting period after CARES ACT forbearance to qualify for a mortgage?…
In this blog, we will discuss and cover the bankruptcy mortgage guidelines on government and conventional loans. All mortgage loan programs have a mandatory waiting period after bankruptcy and foreclosure. Borrowers need to adhere to Bankruptcy Mortgage Guidelines to qualify for a residential mortgage loan. Learn about the guidelines around the waiting period for FHA,…
In this article, we will discuss and cover how FHA credit score determines mortgage rate pricing on FHA loans. FHA loans are the most popular loan program in the United States. FHA Credit Score Guidelines are very lenient to qualify for FHA Mortgages. Borrowers with credit scores down to 500 FICO can qualify. John Strange,…
In this blog, we will cover and discuss qualifying for FHA jumbo loans while in Chapter 13 Bankruptcy repayment plan. As if the Chapter 13 bankruptcy process isn’t hard enough, finding homeownership opportunities during this process can be even more daunting and frustrating, especially if the home is a high-value home that exceeds the loan…
Homebuyers have many mortgage options when looking for home loans in Virginia for bad credit and low credit scores. The best home loans in Virginia for bad credit and credit scores down to 550 FICO scores are FHA and VA loans. Unfortunately, not all people are eligible for VA loans. If you are looking for…
Gustan Cho Associates is a mortgage broker licensed in 48 states (Not licensed in NY, MA) with a wholesale lending network of 170 wholesale financial institutions. Utah is one of the fastest-growing states in the nation, with more and more families calling Utah home. Utah is a wonderful state to move to, with stunning views…
Active and/or retired members of the United States Armed Services and eligible surviving spouses of eligible veterans in Kentucky can qualify for VA loans Kentucky with no money down, credit scores down to 500 FICO, less than perfect credit, and prior credit issues. Navigate Kentucky VA loans, including eligibility requirements, benefits, and guidelines, and make…
In this article, we will cover and discuss the FHA Chapter 13 Guidelines in Wyoming to buy a home or do a refinance during the Chapter 13 repayment plan. With the surging values of homes in Wyoming, the FHA Chapter 13 Guidelines in Wyoming enable potential homebuyers to be able to purchase a home while…
In this article, we will cover and discuss California FHA high-balance loans in high-cost counties. It is no secret to residents of California that the cost of living is high. California FHA High-Balance Loans makes California home buyers purchase California homes. in all parts of the state with a 3.5% down payment. Find out all…
In this blog, we will discuss and cover FHA streamline refinance Connecticut with no appraisal and no income docs required. FHA Streamline Refinance Connecticut is when a homeowner with a current FHA home loan refinances with a new FHA loan. Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates says the following about…
House Flippers are thriving. Many house flippers have lost their entire fortune in the 2008 housing crisis but are now enjoying the lucrative housing market. With the combination of the booming housing economy, low mortgage rates, the introduction of new non-QM loan programs for real estate investors, and the low inventory of housing, real estate investors are buying up any potential flip. This holds true even with a huge markup.
In this blog, we will discuss and cover how do underwriters approve mortgage loans when analyzing and processing borrowers. Mortgage Underwriters play the most important role in the mortgage process. There are certain ways on how do underwriters approve mortgage loans. Underwriters are professionals who approve or deny mortgage loans. There is no reason why…
Fannie Mae DTI Guidelines on Conventional Loans: Borrowers can calculate their debt-to-income ratio using the Conventional Loan DTI Mortgage Calculator powered by Gustan Cho Associates. Conventional loans are the most popular loan program for first-time homebuyers due to the low 3% down payment program. Select a StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth…
Select a StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington DCWashingtonWest VirginiaWisconsinWyoming Mortgage borrowers eligible for VA loans can use the VA DTI mortgage calculator, powered by Gustan Cho Associates, to calculate their debt-to-income ratio. The Veterans Administration, or VA, does not have a specific debt-to-income ratio cap on VA loans. Borrowers…
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GCA Approves When Others Can’t: 2025 Guide to Getting a Mortgage After Being Denied Have you been turned down for a mortgage? You’re not alone. At Gustan Cho Associates, we specialize in helping people get approved when other lenders say no. In fact, over 80% of our clients come to us after being denied somewhere…
This guide cover how you can contribute to GCA Mortgage Group. For Gustan Cho Associates, contributions are not limited to simply adding information to the GCA knowledge base. It is about creating a legacy for the mortgage industry. Through our blogs, social media, and webinars, we reach millions of people. We ensure that your knowledge…
Debt-To-Income Ratio Mortgage Calculator Powered by Alex Carlucci of Gustan Cho Associates The debt-to-income ratio mortgage calculator powered by Alex Carlucci of Gustan Cho Associates has been designed for users to compute their own DTI in seconds. Gustan Cho Associates created the debt-to-income ratio mortgage calculator after noticing there is no other debt-to-income ratio mortgage…
The Mortgage Loan Underwriting Process: Simple, Step-by-Step Guide The mortgage loan underwriting process is the lender’s review of your income, credit, assets, job, and property to decide if your loan meets rules and can close. Expect document checks, conditions to clear, and a final “clear to close.” Key Takeaways The mortgage loan underwriting process follows…
Pros and Cons of Conventional and FHA Loans in 2025 When planning to buy a home, one of the first big questions is which mortgage program fits you best. Many first-time and repeat buyers compare the pros and cons of conventional and FHA loans to determine which offers the best deal, flexibility, and long-term savings….
HUD FHA 203h Mortgage Guidelines for Disaster Victims in 2025: Helping Families Rebuild After Natural Disasters with Zero Down Payment FHA Financing When disaster strikes, thousands of families lose their homes overnight. Hurricanes, wildfires, floods, and tornadoes can destroy entire communities. That’s why the U.S. Department of Housing and Urban Development (HUD) created a special…
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