Search Results for: va lender overlays

Fannie Mae DTI Guidelines on Conventional Loans: Borrowers can calculate their debt-to-income ratio using the Conventional Loan DTI Mortgage Calculator powered by Gustan Cho Associates. Conventional loans are the most popular loan program for first-time homebuyers due to the low 3% down payment program. Select a StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth…

Get Your Mortgage Quote in Minutes No impact to your credit score. Competitive rates. Expert guidance from licensed professionals in all 50 states.  Get Pre-Qualified Today By Contacting Us Fill out the form below to receive your personalized mortgage quote in under 2 minutes. Why Choose Gustan Cho Associates To Get a Fast Quote and…

Comprehensive Mortgage Guides for Borrowers At Gustan Cho Associates, we get how tricky it can feel diving into the world of home loans. That’s why we’re all about offering easy-to-understand mortgage guides. Whether it’s your first home, a holiday home, an investment, or even a business property, our mortgage guides aim to clear up any…

GCA Approves When Others Can’t: 2025 Guide to Getting a Mortgage After Being Denied Have you been turned down for a mortgage? You’re not alone. At Gustan Cho Associates, we specialize in helping people get approved when other lenders say no. In fact, over 80% of our clients come to us after being denied somewhere…

This guide cover how you can contribute to GCA Mortgage Group. For Gustan Cho Associates, contributions are not limited to simply adding information to the GCA knowledge base. It is about creating a legacy for the mortgage industry. Through our blogs, social media, and webinars, we reach millions of people. We ensure that your knowledge…

This blog explores the process of training a new mortgage loan officer, particularly those without prior experience. Gustan Cho Associates offers a streamlined training program tailored for individuals aiming to embark on a career as a mortgage loan officer. Training newcomers in this field poses significant challenges for both mentors and rookies. You can learn…

Can Realtors Be Loan Officers? Everything You Need to Know in 2026 Many real estate agents ask the same question over and over: Can realtors be loan officers? The short answer is yes, but the rules, guidelines, and lender policies can be confusing. Some mortgage companies allow it, while others require agents to put their…

How to Get a Mortgage Loan with Unsatisfied Judgment in 2025 Getting a mortgage loan with an unsatisfied judgment may seem impossible, but it’s not. Many homebuyers assume that having a judgment on their credit report means they’re automatically disqualified. The truth? Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates, says the…

This article will cover how underwriters view collections and charge-off accounts when reviewing a borrower for a mortgage loan. Homebuyers can qualify for an FHA loan with outstanding collections and charged-off accounts. How underwriters view collections and charge-off accounts depends the lender the mortgage underwriter works for. If the lender has no overlays on collection…