Benefits of Being a Homeowner vs Renting: Which is More Cost Effective? This guide covers homeowner tax benefits versus renting. There are so many advantages of buying versus renting a home. One of the top benefits is the homeowner tax benefits homeowners. Homeowner tax benefits do not apply to renters. Analyze benefits of being a…
The Effect of High Interest Rates on the Housing Market This guide covers how skyrocketing interest rates affect housing prices going into 2026. When it comes to the current housing market, no one can, without absolute certainty, predict the values of homes. In many parts of the country such as many parts of California and…
In this article, we will cover and discuss mortgage options for homebuyers in Idaho with bad credit and low credit scores. Many homebuyers in Idaho, especially first-time home buyers, do not realize that they can qualify for a home loan with bad credit. Gustan Cho Associates are mortgage brokers licensed in 48 states, including Washington,…
Non-Qualified Mortgages: 2026 Guide to Flexible Home Loans When Banks Say No Are you self-employed, have credit challenges, or have recently filed for bankruptcy or foreclosure? If you’ve been told “no” by traditional lenders, it’s time to look into non-qualified mortgages. These are flexible loan options designed for people who don’t fit inside the standard…
Qualifying For A Mortgage With High Student Loan Debts And How It Affects DTI On Government and Conventional Loans Buying a home when you’ve got a lot of student loans can seem super tough. A lot of people stress about their debt-to-income ratio (DTI) and worry that lenders won’t accept their repayment plans. But the…
This guide covers the minimum lending requirements with getting approved for a mortgage after bankruptcy. Bankruptcy is a federal law that enables a person who is overwhelmed in debts to seek relief from the courts. Consumers can either discharge all of their debts or structure a repayment plan to pay their creditors. John Strange, a…
Jumbo DTI Mortgage Calculator: 2026 Guide to Qualify for Big Home Loans Are you looking to buy a high-end home but unsure if your income and debt qualify? Use our jumbo DTI mortgage calculator to get real answers—fast. At Gustan Cho Associates, we help buyers get approved for jumbo mortgages, even if other lenders say…
Rate and Term Refinance Mortgage Loans: Which Refinance Is Better? Refinancing can lower your payment, lock in a fixed rate, shorten your loan term, or help you move out of an FHA loan to a conventional loan to eliminate monthly mortgage insurance. But not every refinance works the same way. The Two Most Common Refinance…
Remote MLO Career Opportunities: Work From Anywhere With Gustan Cho Associates If you’re an experienced mortgage loan officer looking for remote MLO career opportunities, you’ve found the right place. At Gustan Cho Associates, powered by powered by Coast2Coast Mortgage, LLC , we’re not just offering a job — a career that gives you freedom, flexibility,…
One-Time Close Construction Loan Explained A one-time close construction loan (also called a construction-to-permanent loan) lets you buy land, pay for construction, and roll everything into one long-term mortgage with a single closing. Instead of getting a short-term construction loan and then refinancing later, you close once up front and the loan transitions to the…
FHA Loan with Judgment: Your Guide to Homeownership in 2026 If you’re dealing with a judgment on your credit report, you might think qualifying for an FHA loan is out of reach. Here’s the good news: it’s not impossible. FHA loans, supported by the Federal Housing Administration (FHA), aim to assist individuals facing financial difficulties…
Tax Settlement for Mortgage Borrowers With Tax Liens: How to Qualify for a Home Loan Owing the IRS or your state doesn’t automatically end your homeownership plans. Many borrowers can still get approved for a mortgage—even with an active tax lien—as long as the tax debt is properly documented and structured correctly before closing. We…
The FHA W-2 Income Only Mortgage Lending Guidelines provide a pathway for borrowers to qualify for an FHA loan based solely on W-2 income, without the requirement of submitting income tax returns. Conventional and FHA loans stand out as the most widely used among the various mortgage loan programs available today. It is important to…
FHA Streamline Refinance Mortgage Guidelines If you already have an FHA mortgage and want a lower payment without the usual refinance headaches, an FHA Streamline Refinance may be your fastest option. This program is designed specifically for current FHA borrowers. It can reduce your rate and payment with less documentation than a standard refinance. In…
Borrowers can calculate their front-end and back-end debt-to-income ratio for FHA loans using the FHA DTI Mortgage Calculator powered by Gustan Cho Associates. FHA loans are the most popular loan program for first-time homebuyers, borrowers with bad credit, and borrowers with high debt-to-income ratios. HUD, the parent of FHA, has a maximum front-end and back-end…
What are Investment Property Loans? Investing in real estate can be a great way to build your wealth over time. But just so you know, getting financing for an investment property isn’t the same as snagging a mortgage for the home you live in. Some investors qualify using traditional conventional loans that follow Fannie Mae…
How does the economy affect the housing markets? If you’re wondering whether now is a good time to buy, sell, or invest, you don’t need complicated forecasts. You can easily track how the economy affects the housing markets through three key factors: Mortgage rates (the cost of borrowing) Jobs and wages (how confident buyers feel…
80% of our borrowers who contact us at Gustan Cho Associates have gotten last-minute mortgage denials from other lenders or were told they could not qualify due to their lender overlays. Other borrowers were referred to us because they had no luck finding a mortgage lender with the mortgage loan program they were looking for….
Using Asset Depletion To Qualify For a Mortgage If you are retired, semi-retired, or have a substantial amount of assets but limited regular income, an asset depletion mortgage can help you purchase or refinance a home without requiring pay stubs or tax returns. Lenders use assets like investments, cash, or retirement accounts to turn them…
DACA Mortgage Loans: How DREAMERS Can Buy a Home in 2026 Are you a DACA recipient dreaming of buying your first home? You’re not alone. Many young adults under the Deferred Action for Childhood Arrivals (DACA) program are ready to take that next step into homeownership. The good news? DACA mortgage loans are available and…
Condotel Financing Mortgage Guidelines: Your 2026 Guide to Buying or Refinancing a Condotel. If you’ve ever dreamed of owning a vacation home that generates rental income, condotels might be your perfect solution. In this updated guide, we’ll break down everything you need to know about condotel financing mortgage guidelines—whether you’re a first-time buyer, investor, or…
FHA Loans for Bad Credit You can totally get an FHA loan even if your credit isn’t perfect—sometimes as low as a 500 score! FHA is super flexible for people who might have had late payments, collections, charge-offs, or other credit issues. It’s a great option if you’ve faced some financial bumps along the way….
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