2026 Conforming Loan Limit Guide: What Borrowers Need to Know At Gustan Cho Associates, we want to help you understand how the conforming loan limit impacts your home loan. Whether you’re buying, refinancing, or shopping in a high-cost area, this guide explains the updated current conforming loan limits for 2026 and how they can help…
Buying a House With Tenants: Everything You Need to Know Buying a house with tenants already living there can be a smart or risky move. Whether you plan to move in or invest, it’s important to understand what you’re getting into. In today’s tight housing market, buying a house with tenants is more common than…
Refinancing Non-QM to Conforming Loans in 2025: A Smart Move for Lower Rates If you have a non-QM loan and you’re wondering if refinancing into a conforming loan is possible, the answer is yes. In fact, many homeowners use non-QM mortgages as a stepping stone and plan on refinancing non-QM to conforming loans once they…
Can You Close Your Investment Property Under A Limited Liability Corporation? Many wholesale real estate investors will not allow borrowers of investment properties to close
Non-QM Loans for Real Estate Investors: A Smart Alternative to Hard Money in 2025 If you’re a real estate investor looking to buy a rental property, fix and flip a home, or grow your portfolio, you may have hit a wall with traditional lenders. Maybe the bank said no because you’re self-employed, don’t show enough…
Can You Qualify For Manual Underwriting With Late Payments? VA and FHA allow manual underwriting for borrowers who cannot get an approve/eligible per automated underwriting system.
USDA Underwriting Guidelines: 2025 Guide to Getting Approved for a USDA Loan Are you looking to buy a home in a rural or suburban area with little to no money down? The USDA loan program might be perfect for you. In this updated 2025 guide, we break down the USDA underwriting guidelines in plain English,…
Rhode Island Mortgage Calculator: 2025 Guide to Smart Home Buying Are you shopping for a home in Rhode Island? Want to know your real monthly mortgage payment before you fall in love with a house? You need a smart, accurate, easy-to-use Rhode Island mortgage calculator that gives you the whole picture—not just principal and interest….
New York Mortgage Calculator: 2025 Guide to Real Monthly Payments Are you in the process of purchasing a home in New York? One of the initial details you’ll need to determine is the amount of your monthly mortgage payment. But most online calculators only show your principal and interest. That doesn’t give you the full…
Nebraska Mortgage Calculator: 2025 Guide to Monthly Home Costs Are you buying a home in Nebraska and wondering what your real monthly payment will be? The Nebraska mortgage calculator from Gustan Cho Associates gives quick, accurate answers. Whether you’re a first-time homebuyer or moving into your dream home, knowing if you can afford it is…
Mississippi Mortgage Calculator: 2025 Guide to Budgeting Your Home Loan with Confidence Are you thinking about buying a home in Mississippi? Before you fall in love with a house, make sure it fits your budget. The easiest way to do that? Use the Mississippi mortgage calculator by Gustan Cho Associates. It’s the most accurate tool…
Massachusetts Mortgage Calculator: 2025 Guide to Know Your Real Home Costs Are you thinking about buying a home in Massachusetts? Before you start shopping, it’s smart to know your real monthly mortgage payment. That’s where the Massachusetts mortgage calculator by Gustan Cho Associates comes in. This easy-to-use tool helps you calculate your payment, including more…
Maryland Mortgage Calculator: 2025 Guide to Know Your Real Home Costs Thinking about buying a home in Maryland? Before falling in love with a house, it’s smart to know your monthly payment. That’s where the Maryland mortgage calculator by Gustan Cho Associates comes in. It helps you see the full picture—not just your loan amount…
Are you buying a home in Georgia and wondering what your monthly payment will look like? Or you’re trying to figure out how much house you can afford without going over your budget. The Georgia mortgage calculator by Gustan Cho Associates is your all-in-one tool to get real answers fast. It goes way beyond just…
Boost Your Credit With New Credit: Fast Track to Mortgage Approval in 2026 If you’re trying to snag a home but your credit score isn’t great, you’re definitely not the only one. At Gustan Cho Associates, we help people every day who need to raise their credit fast. The good news? You can boost your…
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Every Mortgage Loan Program Has Its Own Agency Guidelines When It Comes To Qualifying For A Mortgage With An Outstanding Tax Lien And/Or Judgment
Mortgage Insurance Premium on Non-QM Mortgage Loans: What You Need to Know When buying a home, mortgage insurance premium often pop up, especially if you’re putting down less than 20%. But what about non-QM mortgage loans? Do you still have to pay a mortgage insurance premium if you’re going non-QM? In this guide, we’ll break…
Adding Co-Borrower To Qualify For Home Loan: Your Guide To Getting Approved in 2025 Trying to qualify for a home loan, but your income or credit isn’t quite enough? You’re not alone. One of the smartest ways to boost your chances is by adding co-borrower to qualify for home loan. In this guide, we’ll break…
Buying or Refinancing After Forbearance: What You Need to Know If you’ve been through a forbearance and are now thinking about buying a new home or refinancing your current one, you’re not alone. Many people needed help during tough times, and mortgage forbearance was a lifeline. But now that you’re ready to move forward, you…
Understanding Forbearance Versus Loan Modification in 2025 Are you having trouble making your mortgage payments? You’re not alone. Life happens—job loss, medical issues, or unexpected expenses can suddenly make paying your mortgage tough. Thankfully, homeowners have options. Two popular solutions are forbearance versus loan modification. But what’s the difference, and which one should you choose?…
Jumbo Loans Chapter 13 Bankruptcy Guidelines: How to Get Approved Many homebuyers think filing Chapter 13 bankruptcy means they can’t buy a home for a very long time. The good news? That’s not true—especially when it comes to jumbo loans. Understanding jumbo loans Chapter 13 bankruptcy guidelines can open new doors to homeownership, even if…
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