Call or Text: (800) 900-8569
Email Us: alex@gustancho.com
Mortgage Guidelines After Unemployment in 2025: How to Get Approved Losing your job can feel like pausing your dream of buying a home. But the good news is, getting a mortgage after unemployment is still possible—even in 2025. If you’re back to work and wondering how soon you can qualify, this guide will walk you…
How Does the Federal Reserve Affect Mortgage Rates? [2025 Guide for Homebuyers] How does the Federal Reserve affect mortgage rates? You’re not alone. Whether you’re thinking of buying your first home, refinancing your current mortgage, or simply trying to understand why rates keep changing, this guide will break it down in plain English. At Gustan…
Buying a home is exciting, but it also comes with new responsibilities. Property taxes, homeowners’ insurance, and mortgage payments can feel overwhelming if you juggle them alone. That’s why most lenders rely on escrow account mortgage guidelines to keep everything running smoothly. Think of an escrow account as your personal safety net. A part of…
Getting a mortgage in 2025 doesn’t need to be a hassle. One of the quickest ways to lock in your financing is by getting approved through the Fannie Mae Automated Underwriting System—often referred to as DU or Desktop Underwriter. This guide will cover everything you need to know about the Fannie Mae Automated Underwriting System…
In this blog, we will cover and discuss USDA loan after Chapter 7 Bankruptcy mortgage guidelines for first-time homebuyers. USDA lending guidelines for first-time homebuyers allow buyers to purchase a home with no money down and 100% financing. Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates says the following about getting approved…
Why Understanding the Types of Commercial Lending Matters Knowing the types of commercial lending can make or break your next deal if you’re a business owner or real estate investor. Unlike residential loans, commercial loans are designed for businesses, investors, and organizations. They cover everything from buying an office building, financing equipment, or bridging a…
Licensed in 48 States • 280+ Lending Partners Meet Our Team at Gustan Cho Associates The mortgage professionals who close loans when others say “no.” Available 24/7, 365 days a year to help you achieve homeownership. 80%+ Success Rate 280+ Lending Partners 48 States Licensed 24/7 Support Available At Gustan Cho Associates, our team is…
In this blog, we will cover and discuss online mortgage application leading to clear to close. The mortgage application process has changed over the years. There was a time when borrowers met mortgage loan officers face to face. Borrowers either met their loan officers at the mortgage company or the mortgage loan originator visited their…
Maintenance Checklist for Florida Homes Owning a home in Florida is a dream that comes with its own set of challenges. Between the intense heat, high humidity, heavy rain, and hurricane season, homes in Florida take a beating compared to properties in other states. That’s why having a maintenance checklist for your Florida home isn’t…
In this article, we will cover and discuss FHA streamline refinance Utah mortgage guidelines. Gustan Cho Associates, Empowered by NEXA Mortgage, LLC, is a mortgage broker licensed in 48 states. Alex Carlucci, a senior mortgage loan originator at Gustan Cho Associates says the following about FHA streamline refinance Utah. Gustan Cho Associates has wholesale lending…
Homebuyers should take time and ask as many questions as possible prior to the homebuying process. This holds especially true even if they are purchasing the home cash.
In this blog, we will cover and discuss VA loan limits on how much home you can buy with a VA loan. VA loans no longer have maximum VA loan limits. Before 2010, VA loan limits used to depend on where the property is located and the type of property the borrower is financing. In…
Mortgage Timeline on Manual Underwriting: What Borrowers Need to Know in 2025 When you apply for a home loan, you want to know one big thing: How long will it take to close? If your file is going through manual underwriting, the timeline can be different from loans that get instant approval from an Automated…
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…
Mortgage With Low Credit Scores in Vermont: Your 2025 Guide Buying a home is a big dream for many Vermonters. But if your credit score is not where you want it to be, you may wonder if getting approved for a mortgage is even possible. The good news? You can still qualify for a mortgage…
Mortgage With Disability Income: How to Qualify in 2025 Buying a home when most or all of your income comes from disability benefits can feel overwhelming. Many wonder if lenders will accept Supplemental Security Income (SSI), Social Security Disability Insurance (SSDI), or VA disability benefits when applying for a mortgage. The good news? You can…
Refinancing Your California Mortgage Loan in 2025: A Complete Guide If you’re a California homeowner, you’ve probably heard friends or neighbors discussing refinancing. With home values soaring and mortgage rates shifting, refinancing your California mortgage loan can be one of the smartest money moves you make this year. Refinancing can give you a fresh start…
Virginia VA loan requirements has the most lenient mortgage guidelines versus any other loan program in the nation. VA loans is the mortgage loan of choice but is only limited to active and/or retired members of the U.S. Military with a valid certificate of eligibility. Alex Carlucci, a senior mortgage loan originator at Gustan Cho…
This guide covers Fannie Mae guidelines mortgage after short sale and deed-in-lieu of foreclosure. Fannie Mae guidelines mortgage after short sale and after deed-in-lieu of foreclosure requires a four year waiting period after the date of the short sale. A short sale is an alternative to foreclosure. Short Sales is often offered to homeowners who…
This guide covers VA employment history guidelines on VA loans. VA loans is the best loan program in the U.S. Unfortunately, not everyone can qualify for VA home loans. To be eligible for VA loans, borrowers need to be either an active member of the U.S. military and/or a veteran of one of our armed…
Mortgage Approval with 580 FICO Credit Score in 2025: Your Complete Guide If you’ve been told you can’t get a mortgage because your credit score is 580, you’ve probably heard the wrong advice. The truth? Mortgage approval with 580 FICO credit score is possible — and at Gustan Cho Associates, we make it happen every…
HomeReady Versus Home Possible in 2025: Which Loan Is Best for You? If you’re looking for a mortgage and don’t have a big down payment, you might have come across HomeReady and Home Possible. These are two popular options for low down payment conventional loans supported by Fannie Mae and Freddie Mac. At Gustan Cho…
CALL NOW