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This Article Is About Unsecured Credit Card Approval With Bad Credit And Bankruptcy Unsecured Credit Card Approval is possible for consumers with prior bad credit. Unsecured Credit Card Approval is even possible for consumers after a bankruptcy discharge Credit card companies want to grant unsecured credit to consumers However, they want to make sure consumers…
This guide is an update of a previous article: This guide covers FHFA postpones adverse fee for mortgage refinance loans. FHFA Postpones Adverse Fee until later this year sends mortgage rates lower: Mortgage rates are at historic highs. The housing and mortgage market is in crisis like never in history with high inflation, record high…
This ARTICLE On VA Co-Signer Mortgage Guidelines On VA Home Loans Was PUBLISHED On August 25th, 2020 2020 UPDATED VA Co-Signer Mortgage Guidelines On VA Home Loans: If you follow Gustan Cho Associates, you know we are experts in VA mortgage financing We offer all of our VA mortgage products without LENDER OVERLAYS Even during…
This ARTICLE On Upgrading Your New Home Purchase Prior To Moving In Upgrading Your New Home Purchase before moving in is wise and will make the renovations easier. It is much easier and less work in updating your new home purchase before moving in It is always more work, time-consuming, and costly updating a home…
This Article On Mortgage Blogs Online And The Validity Of Accurate Content Mortgage Blogs are mortgage articles written about real estate, mortgage, and lending-related topics by writers and published on the internet. Most consumers who are in need of answers to questions on mortgages or real estate normally will search online and type in keywords…
This Article On What Makes A Top Mortgage Producer In The Lending Industry I spent the greater part of a week at a mortgage summit called the Master Mind Summit. I didn’t leave with that much useful new information, but I left reenergized with very useful previously learned, and sometimes practiced techniques and information. This…
This Article On FHA Loan With Unpaid Collections Florida Home Buyers with bad credit and lower credit scores can qualify for FHA Loan With Unpaid Collections. Borrowers of FHA Loans do not have to pay outstanding collection accounts and charge off accounts as long as the lender they consult with has no FHA Lender Overlays…
This Article Is On Lending Requirements For Mortgage After Short Sale In California The State of California has the nation’s highest home prices. California was one of the biggest hit states by the 2008 Real Estate and Mortgage Meltdown Many homeowners had home values drop 50% California is also the nation’s largest state A short…
This Article On VA Mortgage Guidelines For Same-Sex Married Couples Was Written By Gustan Cho of Gustan Cho Associates The U.S. Department of Housing and Urban Development (HUD) the parent of FHA, allows non-occupant co-borrowers to be added on FHA Home Loans. Fannie Mae and Freddie Mac permits non-occupant co-borrowers The U.S. Department of Veterans…
This BLOG On Risks In Private Money Investing On Real Estate Transactions Was PUBLISHED On July 3rd, 2020 There are many rewards in investing in private money loans and hard money loans for an investor. Investing in hard money loans can offer extreme handsome returns that are secured by real estate Many private money investors…
This BLOG On What Are The Foreclosure Procedures And Process Was UPDATED And PUBLISHED On July 2nd, 2020 The government’s position with lending, traditionally, is they are set to ensure there is a warehouse for lending on the secondary, and that there are programs available for low to moderate-income families, as well as low to…
This BLOG On Mortgage Lending Requirements On Government And Conforming Loans Was UPDATED And PUBLISHED On June 29th, 2020 Mortgage Lending Requirements is what lenders follow to see if a mortgage loan applicant qualifies for a residential mortgage loan. There are two types of lending guidelines There are mortgage lending requirements that are set by…
BREAKING NEWS: Mortgage Underwriting During The Covid-19 Pandemic Mortgage Underwriting During The Covid-19 Pandemic is more scrutinized than it ever used to be. Lenders are paranoid about being able to sell their originate and fund after closing The mortgage industry is in chaos due to the coronavirus pandemic The once strong mortgage market is now…
BREAKING NEWS: CARES ACT Mortgage Forbearance Help For Unemployed Homeowners During these crazy economic times, the COVID-19 coronavirus has created numerous stimulus packages from the government as well as individual lending institutions. Whether you have a personal loan, auto loan, credit card, or even a mortgage, you may be eligible for payment forbearance. The term…
BREAKING NEWS: COVID-19 Pandemic Economic Update And Housing Market Changes As the world is still in shambles due to the COVID-19 coronavirus outbreak, Gustan Cho Associates are still originating and funding mortgages without LENDER OVERLAYS. We are available seven days a week even during times like these to help our clients with their mortgage needs…
BREAKING NEWS: Buying a home during governor stay at home order. Buying a home during governor stay at home order and home and mortgage process: Buying a home during the COVID-19 coronavirus outbreak can have additional hurdles. It seems like doing anything these days has additional rules and regulations depending on where you live. In…
BREAKING NEWS: DTI Mortgage Guidelines During The COVID-19 Pandemic Crisis The COVID-19 pandemic outbreak in the United States has not just plummeted the U.S. economy but shut down all non-essential businesses. Millions of businesses closed with no set date of opening Millions of closed businesses will not reopen as the pandemic lingers The good news…
BREAKING NEWS: Economic Coronavirus Impact On Americans And Businesses The Economic Coronavirus Impact On Americans is beyond devastating. Prior to the coronavirus pandemic, the U.S. economy was booming Unemployment rates hit an all-time record low at under 3.5% The Dow Jones Industrial Average surpassed the 29,000 mark this February 2020 HUD and the Federal Housing…
BREAKING NEWS: How The Coronavirus Pandemic Affects Qualifying For FHA Mortgages For Borrowers With Lower Credit Scores With an additional roughly 5 million Americans filing unemployment last week, this pushes a total of 26 million Americans off work due to COVID-19 coronavirus. This is an alarming rate that we hope changes quickly Unemployment was at…
BREAKING NEWS: Mortgage Denial Due To Coronavirus Pandemic Crisis Chaos As the United States and global population deal with this pandemic, many pillars of industry have been affected. The mortgage market is heavily affected due to this pandemic There are many unfortunate outcomes of this COVID-19 outbreak including millions of Americans out of work Since…
BREAKING NEWS: VA Loans During Coronavirus Pandemic Mortgage Crisis The US economy is at a standstill as we speak due to the coronavirus pandemic that hit the nation. Prior to the pandemic, the US economy was the strongest it has been in the history of the United States Unemployment hit an all-time historic low at…
BREAKING NEWS: Mortgage Programs Suspended During Coronavirus Pandemic The 2020 housing market is still strong. However, mortgage lenders are going through turmoil and chaos due to the economic impact of the coronavirus pandemic. The secondary mortgage bond markets have plummeted Mortgage-backed securities (MBS) have been tanking where investors do not see any value in purchasing…
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