Real Estate and Mortgage Market Forecast: 2026 Housing Trends You Need To Know If you’re considering buying a home, selling, or refinancing, you’ve probably asked: What’s the real estate and mortgage market forecast for 2026? You’re not alone. Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates says the following about real estate…
Mortgage rate adjustments are changes lenders make to the price of a home loan based on the risk they believe a borrower poses to the transaction. In simple terms, borrowers with stronger credit, lower debt, and larger down payments usually qualify for better pricing, while borrowers with higher risk factors may pay more through a…
This blog post focuses on Fannie Mae 5-10 Financed Properties, which is particularly beneficial for real estate investors. The 2008 Real Estate and Mortgage meltdown led to significant changes within the mortgage industry. One positive development is the return of non-QM loans. These allow homebuyers to secure financing through non-QM stated income and no-doc mortgage…
Mortgage Rates on Bad Credit Loans With Low Credit Scores Securing a mortgage with bad credit or a low credit score may be difficult, but it is still achievable. While traditional lenders may hesitate to approve borrowers with credit issues, specialized loan programs are designed for those with less-than-perfect credit. This guide explains how mortgage…
What High-Cost Means On Government And Conventional Loans In this guide, we will discuss and cover high-cost guidelines on government and conventional loans. Some states have high-cost rules. What is high-cost? High-cost is that the total fees and costs in obtaining a residential mortgage loan cannot exceed 5% of the mortgage loan amount. Learn about…
This guide covers buying a home in Washington and the various types of Washington mortgage loans. Getting a mortgage in Washington means looking at FHA, VA, USDA, Conventional, non-QM, and jumbo loans, plus help with your down payment, so you can find the best rates and buy your home. Washington mortgage loans can feel overwhelming,…
Buying a home in Rhode Island opens the door to exciting possibilities. By understanding your mortgage choices, you can confidently navigate the path to homeownership. This guide spotlights popular loans, assistance programs, and insider tips for securing great rates. Whether you are a first-time buyer, a veteran, or searching for unique financing, you will find…
This guide covers recent changes in mortgage compliance and regulations. So, mortgage interest rates are increasing and have been the highest since 2008. Mortgage lending guidelines and mortgage compliance have tightened up to the point where prime borrowers are the norm. Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates says the following…
In this blog, we will cover and discuss the down payment guidelines on home purchase mortgage loans. The down payment guidelines and requirements depend on the particular loan program. Government loans have lower down payment requirements due to the lower level of risk lenders take due to the government guarantee. Understand the difference of Non-QM…
Homebuyers should ask for seller concessions from the home seller to pay closing costs. There are two types of costs for a home purchase. The down payment and closing costs. Most homebuyers do not have to come up with closing costs. Alex Carlucci, a senior mortgage loan officer at Gustan Cho Associates says the following:…
Jumbo Loans With Low Down Payment And Bad Credit: What Borrowers Need To Know In this guide, we will discuss and cover jumbo loans with low down payment and bad credit on home purchases. Jumbo loans with low down payment and bad credit are starting to make a comeback across the United States. Since these…
Homebuyers with pending income tax returns or significant unreimbursed business expenses may be eligible for W2-only income mortgages. Gustan Cho Associates doesn’t mandate income tax returns from borrowers unless the Automated Underwriting System specifically demands a two-year tax return for qualification. We offer W2-Only Income Mortgages on the following loan programs: FHA loans VA loans…
Will Mortgage Rates Rise in 2026? What Homebuyers and Homeowners Need to Know Will mortgage rates rise or will there be a correction in 2026? With interest rates and home prices at the top of mind for both homebuyers and real estate investors, many are asking the big question. Will mortgage rates rise in 2026?…
Nebraska Mortgage Loans: FHA, VA, USDA, Conventional, Jumbo, and Non-M Home Loans Building a roadmap to homeownership in Nebraska starts with identifying financing options. Are you a first-time homebuyer? Maybe you are a veteran or even looking to enjoy an upgrade. This guide will help you pinpoint Nebraska mortgage loans, home state assistance mortgage programs,…
In this blog, we will cover how to write a letter of explanation to mortgage underwriters. Borrowers planning on applying for home loans or are currently going through the mortgage process will encounter underwriters who will require a letter of explanation for one or more items. This is often the case if borrowers have previous…
Montana Mortgage Loans: Home Loan Choices for Buyers Explore the world of Montana mortgage loans, from FHA and VA to jumbo and non-QM options. Discover down payment assistance, first-time buyer programs, and smart ways to lock in great rates across Montana’s most budget-friendly areas. Explore the best Montana mortgage loans, including FHA, VA, USDA, Conventional,…
This guide covers the top reasons to refinance your current home loan. Many homeowners should be thinking of refinancing your current mortgage to see if there are ways of saving money. Most homeowners do not realize the type of money they can save by refinancing their current home loan. Top reasons to refinance a home loan…
Understanding the Mortgage Process Timeline: Your Step-by-Step Guide to Getting a Mortgage in 2026 Buying or refinancing your mortgage can seem like a big job. However, knowing the mortgage process timeline can make things a lot simpler. Whether you’re purchasing your dream home or considering getting a second mortgage with Gustan Cho Associates, knowing what…
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…
USDA loans offer 100% financing (no down payment) for eligible buyers purchasing in USDA-approved rural and select suburban areas. This guide breaks down the real USDA home loan requirements—income limits, credit/DTI guidelines, property rules, and the USDA eligibility map—so you can quickly tell if you qualify and what to do next. Quick USDA Eligibility Checklist…
Hard Money Loan Closings: A Complete Guide to Quick Financing for Real Estate Investors Are you a real estate investor looking for fast financing solutions to close deals? Hard money loans may be the answer, especially when you need a quick closing. In this comprehensive guide, we’ll walk you through everything you need to know…
Buying a Home With a VA Loan in 2026: The Clear, No-Nonsense Guide You served. You earned this benefit. Buying a home with a VA loan in 2026 can mean no down payment, no monthly PMI, and less cash needed at closing. This guide explains eligibility, entitlement, seller credits, funding fees, appraisals, and the steps…
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