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FHA Chapter 13 Bankruptcy Guidelines allow homebuyers and homeowners to qualify for FHA loans for home purchases and refinance during and after Chapter 13 Bankruptcy. Dustin Dumestre, a senior loan officer and team leader at GCA FORUMS Mortgage Group explains how borrowers can get a mortgage while in a Chapter 13 Bankruptcy repayment plan based…
In this blog, we will discuss and cover FHA vs conventional cash-out refinance mortgage loans and general rate and term refinance mortgage guidelines. HUD, the parent of FHA, has changed the FHA cash-out refinance guidelines for homeowners from 85% loan to value to 80% LTV. HUD requires FHA mortgage insurance premium on all 30-year fixed-rate…
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,…
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…
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…
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.
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…
Mortgage With Low Credit Scores in Vermont: Your 2025 Guide Buying a home is a big dream for many Vermonters. But if your credit score is not where you want it to be, you may wonder if getting approved for a mortgage is even possible. The good news? You can still qualify for a mortgage…
Mortgage With Disability Income: How to Qualify in 2025 Buying a home when most or all of your income comes from disability benefits can feel overwhelming. Many wonder if lenders will accept Supplemental Security Income (SSI), Social Security Disability Insurance (SSDI), or VA disability benefits when applying for a mortgage. The good news? You can…
Refinancing Your California Mortgage Loan in 2025: A Complete Guide If you’re a California homeowner, you’ve probably heard friends or neighbors discussing refinancing. With home values soaring and mortgage rates shifting, refinancing your California mortgage loan can be one of the smartest money moves you make this year. Refinancing can give you a fresh start…
This guide covers Fannie Mae guidelines mortgage after short sale and deed-in-lieu of foreclosure. Fannie Mae guidelines mortgage after short sale and after deed-in-lieu of foreclosure requires a four year waiting period after the date of the short sale. A short sale is an alternative to foreclosure. Short Sales is often offered to homeowners who…
This guide covers the pros and cons of home equity conversion mortgage. There are the pros and cons of home equity conversion mortgage. A government-insured Home Equity Conversion Mortgage (HECM) offered the Federal Housing Administration (FHA) is one type of mortgage loan program commonly referred to as a reverse mortgage. Dale Elenteny, a senior mortgage…
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