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This Article Is About Homeowners Who Bailed On Mortgage During Mortgage Collapse Residential home sales have been steadily increased and so have real estate prices. Investor demand has been increasing more so this year than in the past several years and so has consumer confidence in the housing market. Many previous homeowners who have walked…
This Article On Mistakes When Refinancing Mortgage To Be Avoided By Homeowners Avoiding These 5 Mistakes When Refinancing Home Loan The mortgage refinance process normally takes 30 to 45 days and for it to run smoothly in general with most lenders However, the average turnaround time at Gustan Cho Associates loans close in 21 days…
This Article Is About Using Second Home As A Rental And Vacation Home Using Second Home As A Rental and Vacation Home at the same time is becoming more popular among real estate investors. Using Second Home As A Rental, the investor gets to enjoy the benefits of having a vacation home and get rental…
Nexa Mortgage LLC is an Equal Housing Lender. Gustan Cho and his team of licensed mortgage loan officers and support staff are experts in originating and funding loans with no lender overlays. Over 75% of our borrowers represents are folks who contact us because they either got a last minute loan denial or were going…
This Article Is About What Do Underwriters Look On Credit Report Besides Credit Scores Credit scores is the biggest factor in determining mortgage rates. Credit scores also determines whether or not borrowers qualify for certain mortgage loan programs. However, just meeting the minimum credit score requirement is not a ticket to mortgage approval. Below Are…
This Article Is About Tax Cut And Jobs Act And How It Affects Mortgage Guidelines Well, we all survived the first tax season with the new Tax Cut and Jobs Act. There are quite a few changes with the current tax law. The current Administration is attempting to fix loopholes with the tax system This…
This Article Is About Chris LaRocco Endeavor America Wholesale Lender I like to introduce my fellow mortgage brokers to Chris LaRocco, National Account Manager for Endeavor America. Chris LaRocco is a veteran wholesale account manager and is currently the National Account Wholesale Mortgage Manager for Endeavor America Whenever I have a file that is extremely…
This Article Is About Us at Gustan Cho Associates: We Are A National Mortgage Company Licensed In Multiple States With No Lender Overlays On Government And Conventional Loans: Gustan Cho Associates is a national five-star mortgage company licensed in multiple states with no lender overlays on government and conventional loans. The team at Gustan Cho…
This Article Is About Advice In Moving Out Of Your Parents House And Buying First Home Tips and Advice In Moving Out Of Your Parents House and buying a first home: Let’s face it, living with your parents has its ups and downs I remember when I lived with my mother after college It was…
This Article Is About VA Forbearance Guidelines During The COVID-19 Outbreak It is no secret that mortgage interest rates are near all-time lows and the mortgage industry is busier than normal. The COVID-19 coronavirus outbreak has sparked a burst in the refinance market across the nation Data shows there are trillions of dollars’ worth of…
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 article covers Lenders Increasing Credit Score Requirements Due To COVID-19 Most borrowers have noticed that Lenders Increasing Credit Score Requirements Due To COVID-19 Outbreak. Lenders across the board have raised their minimum credit score requirements on government and conventional loans due to the coronavirus pandemic The good news is that FHA, VA, USDA, Fannie…
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 On Mortgage After Short Sale Guidelines For Home Purchase Previous homeowners who had a prior short sale can now qualify for a mortgage after a short sale as long as they have met the mandatory waiting period after a short sale. Many homeowners have requested a short sale from their current lender as…
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 How Difficult Is It To Qualify For FHA 203k Rehab Mortgage Was UPDATED And PUBLISHED On July 4th, 2020 The sea was rough that day my friend. Then George pulled the golf ball out of the whale’s blowhole, but where was Jerry Seinfeld? He was conveniently missing during all of this He…
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