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Refinancing Non-QM Loans: How to Lower Your Rate and Save More If you took out a Non-QM loan to buy your home, you’re not alone. Many borrowers turn to Non-QM (Non-Qualified Mortgage) loans when they don’t meet the strict requirements of traditional mortgages. Whether you were self-employed, had a recent bankruptcy, had low credit scores,…
VA Refinance Guidelines encompass two distinct mortgage processes: the VA streamline refinance (IRRRL), and the VA cash-out refinance. Gustan Cho Associates specializes in assisting homeowners with rate and term VA streamline refinances and cash-out VA refinance mortgages. Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates says the following about VA refinance guidelines…
This article will discuss the buy-out cash-out refinance option for VA Chapter 13 Bankruptcy. A VA Chapter 13 Bankruptcy buy-out can be accomplished using a cash-out refinance on VA home loans while under a Chapter 13 Bankruptcy repayment plan. The widespread financial hardship caused by the coronavirus pandemic outbreak in February 2020 has significantly affected…
Mortgage Guidelines After Unemployment in 2025: How to Get Approved Losing your job can feel like pausing your dream of buying a home. But the good news is, getting a mortgage after unemployment is still possible—even in 2025. If you’re back to work and wondering how soon you can qualify, this guide will walk you…
How Does the Federal Reserve Affect Mortgage Rates? [2025 Guide for Homebuyers] How does the Federal Reserve affect mortgage rates? You’re not alone. Whether you’re thinking of buying your first home, refinancing your current mortgage, or simply trying to understand why rates keep changing, this guide will break it down in plain English. At Gustan…
Buying a home is exciting, but it also comes with new responsibilities. Property taxes, homeowners’ insurance, and mortgage payments can feel overwhelming if you juggle them alone. That’s why most lenders rely on escrow account mortgage guidelines to keep everything running smoothly. Think of an escrow account as your personal safety net. A part of…
Getting a mortgage in 2025 doesn’t need to be a hassle. One of the quickest ways to lock in your financing is by getting approved through the Fannie Mae Automated Underwriting System—often referred to as DU or Desktop Underwriter. This guide will cover everything you need to know about the Fannie Mae Automated Underwriting System…
In this blog, we will cover and discuss USDA loan after Chapter 7 Bankruptcy mortgage guidelines for first-time homebuyers. USDA lending guidelines for first-time homebuyers allow buyers to purchase a home with no money down and 100% financing. Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates says the following about getting approved…
From Setback to Comeback A deed-in-lieu of foreclosure is one of the toughest financial decisions a homeowner can face. You may have turned over your home to the lender to avoid a full foreclosure. While it helped you close that chapter, the question remains: “When can I qualify for a conventional loan again?” The good…
Apartment Building Loans: Your Complete Guide in 2025 If you plan to buy or refinance a multifamily property, look for apartment building loans. Whether it’s a small duplex, a medium-sized apartment complex, or a large multifamily project, getting the right financing is key to your investment success. At Gustan Cho Associates, we help real estate…
In this article, we will cover and discuss helping your realtor and lender help you with a home purchase. I know sometimes it can be hard finding the right Realtor. I also know that once you have made that decision, there are some tips that can make your Home Buying Partnership more successful. Helping your…
Why Understanding the Types of Commercial Lending Matters Knowing the types of commercial lending can make or break your next deal if you’re a business owner or real estate investor. Unlike residential loans, commercial loans are designed for businesses, investors, and organizations. They cover everything from buying an office building, financing equipment, or bridging a…
Licensed in 48 States • 280+ Lending Partners Meet Our Team at Gustan Cho Associates The mortgage professionals who close loans when others say “no.” Available 24/7, 365 days a year to help you achieve homeownership. 80%+ Success Rate 280+ Lending Partners 48 States Licensed 24/7 Support Available At Gustan Cho Associates, our team is…
Non-QM Loan Waiting Period Guidelines: Buy a Home Sooner After Bankruptcy or Foreclosure Life happens. Job loss, medical bills, divorce, or other hardships can leave borrowers facing bankruptcy, foreclosure, deed in lieu, or a short sale. For many, the biggest question after a financial setback is simple: “How long do I have to wait before…
In this blog, we will cover and discuss online mortgage application leading to clear to close. The mortgage application process has changed over the years. There was a time when borrowers met mortgage loan officers face to face. Borrowers either met their loan officers at the mortgage company or the mortgage loan originator visited their…
Maintenance Checklist for Florida Homes Owning a home in Florida is a dream that comes with its own set of challenges. Between the intense heat, high humidity, heavy rain, and hurricane season, homes in Florida take a beating compared to properties in other states. That’s why having a maintenance checklist for your Florida home isn’t…
In this article, we will cover and discuss FHA streamline refinance Utah mortgage guidelines. Gustan Cho Associates, Empowered by NEXA Mortgage, LLC, is a mortgage broker licensed in 48 states. Alex Carlucci, a senior mortgage loan originator at Gustan Cho Associates says the following about FHA streamline refinance Utah. Gustan Cho Associates has wholesale lending…
Homebuyers should take time and ask as many questions as possible prior to the homebuying process. This holds especially true even if they are purchasing the home cash.
In this blog, we will cover and discuss VA loan limits on how much home you can buy with a VA loan. VA loans no longer have maximum VA loan limits. Before 2010, VA loan limits used to depend on where the property is located and the type of property the borrower is financing. In…
Mortgage Timeline on Manual Underwriting: What Borrowers Need to Know in 2025 When you apply for a home loan, you want to know one big thing: How long will it take to close? If your file is going through manual underwriting, the timeline can be different from loans that get instant approval from an Automated…
The Impact of the Coronavirus Outbreak on Non-QM Lenders The Coronavirus outbreak hit non-QM lenders hard and fast. In early 2020, it felt like everything came to a standstill—non-QM mortgage companies stopped lending, shut their doors, and had to let go of staff. This left borrowers who relied on these alternative mortgage options in a…
Buying a House in Savannah, Georgia: Your 2025 Guide to Homeownership If you’ve been considering buying a house in Savannah Georgia, you’re definitely in good company. Savannah is one of the fastest-growing small cities in the U.S., famous for its charm, cobblestone streets, historic buildings, and those gorgeous oak trees covered in Spanish moss. But…
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