AUS Approval On Conventional Loans Versus Refer/Eligible
AUS Approval On Conventional Loans Versus Refer-Eligible Per AUS: There are ways and tricks of the trade to get an approve eligible per automated underwriting system on conventional loans.
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How To Get AUS Approval With Late Payments After Bankruptcy
Getting a mortgage approval after bankruptcy can feel stressful. Having late payments after a bankruptcy discharge makes things even more challenging. You may have heard lenders say it’s impossible. But here’s the good news: You can get an AUS approval with late payments after bankruptcy. At Gustan Cho Associates, we specialize in helping borrowers who’ve…
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Do All Lenders Have the Same Guidelines on VA Loans
Do All Lenders Have the Same Guidelines on VA Loans? One of the most frustrating experiences for VA homebuyers is getting different answers from different lenders. You may meet the official VA loan guidelines, but some lenders still tell you no—while others say yes to the exact same loan scenario. Why? Because not all lenders…
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Steps In Getting Mortgage Approval With Bad Credit Illinois
Steps in Getting Mortgage Approval with Bad Credit in Illinois (2025 Update) Can You Get Approved for a Mortgage with Bad Credit? Yes! If you have bad credit, you can still buy a home. Mortgage lenders like Gustan Cho Associates specialize in helping borrowers who don’t qualify with traditional banks. You have options even with…
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How To Improve Credit To Qualify For VA Loans
How to Improve Credit to Qualify for VA Loans (2025 Update) Buying a home with a VA loan is an incredible opportunity for veterans and military families. It can help you get a place you can call your own. However, if your credit score isn’t the best, you might be worried about qualifying for that…
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Understanding The VA Funding Fee and Closing Costs
Understanding the VA Funding Fee: Your Ultimate Guide for 2025 Navigating a VA loan can seem complicated at first. Understanding the VA funding fee is important because it affects your total costs. Many people get confused about this, but it doesn’t have to be that way. At Gustan Cho Associates, our mission is to help…
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Purpose Of VA Loans Is To Promote Home Ownership To Veterans
The purpose of VA Loans is to promote homeownership to members of the U.S. Military who served in the U.S. Armed Services. The VA home loan program is among the most powerful benefits available to American military veterans, active-duty service members, and some surviving spouses. Established in 1944 through the Servicemen’s Readjustment Act, commonly known…
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Commercial Loans in Chicago – No Docs, Fast Approval!
Commercial Loans in Chicago: Get Approved Fast with Gustan Cho Associates Are you looking for commercial loans in Chicago but unsure where to start? Finding the right commercial loan can be overwhelming whether you’re a real estate investor, business owner, or developer. At Gustan Cho Associates, we specialize in financing solutions that banks won’t approve….
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Mortgage Process After The Conditional Approval
The Mortgage Process After the Conditional Approval: What Happens Next? The mortgage process after the conditional approval is one of the most important steps before closing on your home. If you’ve reached this stage, congratulations! However, you’re not clear just yet. Before you receive your clear to close (CTC), you must satisfy the conditions set…
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Cashback at Closing on VA Loans Mortgage Lending Guidelines
Can you get cashback at closing on VA loans? If you’re a veteran or active-duty service member buying a home with a VA loan, you may wonder: Can I get cashback at closing on VA loans? The short answer is yes but with restrictions. Unlike cash-out refinance loans, VA purchase loans do not allow borrowers…
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Best Mortgage Lenders For 500 to 620 FICO Borrowers
The Best Mortgage Lenders for 500 to 620 FICO in 2026 If you have a credit score between 500 and 620, you might think getting a mortgage is impossible. The truth? You CAN still qualify for a home loan! The key is finding the right lender that understands your financial situation and offers mortgage programs…
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FHA High-Balance Lenders in New Jersey With Low Rates | 2025
FHA High-Balance Lenders in New Jersey: Get Approved with Lenient Guidelines If you’re looking for FHA high-balance lenders in New Jersey, you’re in the right place. Many homebuyers struggle to find lenders that offer FHA high-balance loans without strict overlays or excessive rate markups. This guide will explain everything you need to know, including loan…
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Bad Credit Mortgages | FHA Loans | High-Balance Mortgage Loans | Jumbo Loans | NON-QM Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Videos
Best Mortgage Lenders For Bad Credit in Hawaii
Best Mortgage Lenders for Bad Credit in Hawaii: Get Approved in 2025 If you have bad credit and want to buy a home in Hawaii, you might be wondering: Can I get a mortgage? Are there lenders that will approve me? The answer is YES! Many lenders offer mortgage loans for bad credit in Hawaii,…
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South Dakota FHA Lenders For Under 600 FICO With Collections
South Dakota FHA Lenders for Under 600 FICO: How to Get Approved for a Mortgage in 2025 Are you looking for South Dakota FHA lenders for under 600 FICO? If your credit score is below 600, you may have been told by banks and lenders that you don’t qualify for an FHA loan—but that’s not…
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Gustan Cho Associates: The Lenders for Best Rates
This guide covers lenders for best rates. We have seen high interest rates and skyrocketing mortgage rates. Still to this day, there are many lenders with high rates. Consumers are not ignorant of rates. The higher the mortgage lender’s commission, the higher the rate. That is why Gustan Cho Associates has a national reputation for…
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Mortgage Approval Without Retracting Credit Disputes
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…
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Nevada Housing Market Expected To Remain Strong in 2025
This guide covers the Nevada housing market and forecast of home prices. As if the good news weren’t enough last year that the Nevada Housing Market appreciates nearly 10% appreciation in property values, the GLVAR reported this past month that homes are still appreciating at a modest 8% over the last quarter. Nevada home prices have…
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HUD Manual Underwriting DTI Guidelines: Your Approval Guide
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…
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Mortgage Approval Can Be Revoked During Mortgage Process
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…
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Buying a House in Nevada: What Are My Mortgage Options?
Buying a House in Nevada: The Ultimate 2024 Guide to Making Your Dream Home a Reality Buying a house in Nevada is an exciting journey, whether you’re a first-time homebuyer or looking to relocate to one of the country’s fastest-growing states. With its booming economy, no state income tax, and vibrant communities like Las Vegas,…
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Bad Credit Mortgages | FHA Loans | Mortgage With Late Payments | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos
Home Purchase With Bad Credit With Lender With No Overlays
Homebuyers do not need great credit and high credit scores to qualify for a mortgage. You can have outstanding collections and charged-off accounts and qualify for a mortgage as long
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VA Loans With High Debt-To-Income Ratio Mortgage Guidelines
VA Loans with High Debt-to-Income Ratio: A 2024 Guide for Veterans Are you a Veteran worried about your high debt-to-income ratio holding you back from a VA loan? Here’s the good news: VA loans offer some of the most flexible options, even if your debt-to-income ratio (DTI) is on the high side. In this guide,…
