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Mortgage borrowers can now get the most accurate monthly mortgage payment using the Alaska Mortgage Calculator with PMI, Taxes, Homeowners Insurance, and HOA fees. The mortgage approval calculator has an extended debt-to-income ratio calculation tool that once you have your housing payment (PITI, PMI, HOA), users need to enter their gross monthly income and total…
Gustan Cho Associates created, developed, and launched the New Hampshire Mortgage Calculator, which renders PITI, PMI, MIP, HOA, and DTI. In the crazy housing market of 2025, the federal government has raised interest rates, making shopping for a home harder than ever. There is a storm of low inventory, rising rates, and cash buyers. These…
Technology for Students at College Campuses in 2025 The Changing Scope of Technology for Students Technology has revolutionized education by facilitating learning, communication, and student life. In 2025, students will enjoy the benefits of numerous digital devices and tools that help them become more productive, collaborate, and enhance their academic success. This post explains how…
Buying a home as a single parent may seem tough, but there are home loans for single moms that can make it easier than you think. Mortgage lenders will check your income, credit score, and how much debt you have compared to your earnings. But don’t worry—special grants and programs are designed to help single…
Gustan Cho Associates and Great Community Authority Forums News are updating a new updated guide on the Southern California Gas Leak and leaving the old version from December 4th, 2015 and the updated version from September 24th, 2018 on its news archive section. The reason we are updating this new guide on Southern California Gas…
This guide covers what happens when the Federal Reserve Board increases interest rates. This guide is an update of an article written about the Federal Reserve Board increasing interest rates by 0.25 basis points, which was published on July 18th, 2018. We will include the previous unedited edition of the original article. Federal Reserve Board…
Save Over $10K Using a Mortgage Calculator in New Mexico in 2025 Are you dreaming of owning your first home in New Mexico but worried about the cost? A mortgage calculator in New Mexico can be your best friend. It’s not just a simple tool; it’s a game-changer that helps first-time homebuyers make smart decisions,…
Qualifying for Jumbo Loans in 2025: Your Complete Guide If you dream of purchasing a high-value home and need a loan larger than traditional mortgage limits allow, you’re in the right place. Jumbo loans offer the perfect solution for financing homes that exceed conforming loan limits. In this guide, we’ll explain everything you need to…
In this blog, we will cover and discuss IHDA mortgage guidelines on Illinois home purchases. The Illinois Housing Development Authority (IHDA), commonly referred to as IHDA, is a down payment assistance mortgage program for homebuyers in Illinois. IHDA mortgage guidelines make homeownership possible for homebuyers in Illinois by covering the down payment and closing costs…
This guide covers the ill-fated HUD’s FHA Back to Work Mortgage. The FHA Back to Work Mortgage no longer exists. This guide is a follow-up of an older HUD FHA Back to Work mortgage published on February 21st, 2018. The FHA Back to Work mortgage was a total disaster since the day it was launched….
Mortgage Approval Without Retracting Credit Disputes: A Complete Guide for 2024 and Beyond If you’re worried about how credit disputes might affect your mortgage approval, you’re not alone. Many borrowers are caught off guard when their lender tells them to retract disputes to move forward. But here’s the good news: under certain conditions, you can…
Understanding Hard Pull Credit Inquiries: Your Guide to Smarter Credit Decisions When you’re considering buying a home, every step you take towards securing your mortgage matters—especially when understanding hard pull credit inquiries. This detailed guide will help you understand hard pull credit inquiries, their impact on your credit score, and how to manage them while…
Gustan Cho Associates has mortgage with no income documentation, no tax returns, and low credit scores. Many folks who have established themselves with good credit and stable income and have decided that they are ready to become homeowners seek to get qualified for a home loan. One of the most important factors lenders look in…
This guide covers the mortgage markets and interest rates. The mortgage markets and interest rates have seen volatile trends in recent weeks. The first and foremost is rising interest rates when analyzing mortgage markets and interest Rates. John Strange, a senior loan officer at Gustan Cho Associates and an associate contributing editor at GCA Forums…
How Underwriters View Liabilities in Mortgage Qualification (Updated for 2024) When applying for a mortgage, understanding how underwriters evaluate liabilities in mortgage qualification is essential. Your income and liabilities play a significant role in deciding if you qualify for a loan. Understanding this is essential for your financial planning. Even with a high income, excessive…
Employment Offer Letter Mortgage Programs and Guidelines for 2024 Are you a recent graduate or someone starting a new job and wondering how to qualify for a mortgage? You may have heard lenders often require a two-year work history, but did you know there are options for those with little to no job experience? If…
Home Loan With Bad Credit in Iowa: Your Complete Guide for 2024 Don’t lose hope if you have bad credit and dream of buying a home in Iowa. While having bad credit can make the mortgage process challenging, options are still available to help you achieve homeownership. In this updated guide for 2024, we will…
HUD Manual Underwriting DTI Guidelines: Everything You Need to Know in 2024 If you’ve been denied a mortgage because your debt-to-income (DTI) ratio is too high or because of a “refer/eligible” status from the Automated Underwriting System (AUS), don’t lose hope. You may still qualify for an FHA loan through manual underwriting, which offers a…
Mortgage Approval Can Be Revoked: What Every Borrower Needs to Know in 2024 Getting your mortgage approval feels like crossing the finish line. But did you know that your approval isn’t guaranteed until closing? Yes, a mortgage approval can be revoked even after it’s initially granted. Whether you’re a first-time homebuyer or refinancing your dream…
This guide covers lending guidelines and mortgage loan programs for non-permanent residents. Certain guidelines exist for non-permanent residents interested in qualifying for a mortgage loan in the United States. Non-permanent residents with work permits or visas can qualify for Conventional and FHA residential mortgage loans if they are legally on work permits in the United…
Can You Get Denied for a Mortgage With Good Credit? If you’re asking yourself, “Can you get denied for a mortgage with good credit?” you’re not alone. Many homebuyers assume that a high credit score is their golden ticket to mortgage approval. While good credit is a big factor, it’s not the only piece of…
Debt Settlement Versus Bankruptcy: A Guide for Mortgage Borrowers in 2024 If you’re juggling debt and trying to figure out your next step, the decision between debt settlement versus bankruptcy can feel overwhelming. Both options can help you take control of your financial future, but they also have long-term effects on your credit, financial stability,…
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