Search Results for: va lender overlays

Home Purchase | One-Time Close Construction Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Home Builders Steering Lenders Mortgage Guidelines
ByMike Gracz, NMLS: 1160212 May 17, 2026September 1, 2026

The practice of home builders steering lenders refers to the common industry practice of recommending or ” steering” homebuyers toward using a specific lender for their mortgage needs. This practice is often seen in real estate transactions where builders have established relationships with preferred lenders. The introduction of preferred lenders by builders raises questions about…

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Manual Underwriting | Bankruptcy | VA Loans | Videos

VA TBD Manual Underwriting After Loan Denial
ByMike Gracz, NMLS: 1160212 May 11, 2026June 22, 2026

Can you get a VA loan pre-approval before finding a home if your file needs manual underwriting? Yes, in some cases, eligible veterans, active-duty service members, and surviving spouses can get a VA TBD manual underwriting pre-approval before they have a property address. A VA TBD manual underwriting pre-approval allows the lender and underwriter to…

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Conventional Loans | FHA 203k Loan | FHA Loans | Home Improvement/Renovations | Home Mortgages | One-Time Close Construction Loans | Real Estate Topic | Videos

Buy and Repair a Home With Renovation Mortgage Loans
ByGustan Cho, NMLS 873293 May 1, 2026May 3, 2026

This guide covers renovations after purchase by homeowners. You have purchased your home, and you are done moving in. All the boxes have been unpacked, and you are settling in nicely; what is there to do now? Slowly but surely, it is time to spend more money. It isn’t on repairs. Instead, it is on…

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NON-QM Loans | Home Mortgages | Qualifying & Getting Pre-approved | Videos

Types of Mortgage Lenders and How To Choose The Right One
ByAlex Carlucci, NMLS: 229891 April 30, 2026September 3, 2026

Choosing the right mortgage lender is important for getting your home loan approved. It can affect your interest rate, closing costs, and overall experience with the mortgage. Many homebuyers think all mortgage lenders follow the same rules, but that is not true. Banks, credit unions, mortgage brokers, mortgage bankers, correspondent lenders, portfolio lenders, and non-QM…

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Home Mortgages | Bad Credit Mortgages | Mortgage Lender Overlays | Mortgage Processing And Underwriting | NON-QM Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Refinancing | Videos

Best Wholesale Mortgage Lenders For Non-Prime Loans
ByGustan Cho, NMLS 873293 April 29, 2026July 26, 2026

The Best Wholesale Mortgage Lenders for Non-Prime Loans: Your Complete Guide in 2026 Are you a borrower with less-than-perfect credit, self-employed, or recovering from a past financial hardship? If so, you’re not alone. Many borrowers like you are searching for the best wholesale mortgage lenders for non-prime loans who can help them achieve the dream…

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Bad Credit Mortgages | Mortgage Lender Overlays | Videos

Mortgage Approval With Bad Credit and Late Payments
ByGustan Cho, NMLS 873293 April 28, 2026April 29, 2026

Mortgage Approval With Bad Credit And Late Payments: How To Qualify For A Home Loan This guide covers mortgage approval with bad credit and late payments. Many consumers have had a period in their lives. Borrowers must meet minimum credit score and debt-to-income ratio requirements to qualify for particular mortgage programs. Just because borrowers meet…

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Income And Employment | Conventional Loans | Declining Income | FHA Loans | irregular income | Qualifying & Getting Pre-approved | Verification of Employment | Videos

Employment Gaps Lending Guidelines For Mortgage Approval
ByGustan Cho, NMLS 873293 April 26, 2026April 27, 2026

Lending Guidelines on Employment Gaps for Mortgage Approval This blog addresses the eligibility criteria for obtaining a mortgage and securing approval despite having experienced employment gaps within the last two years. Lenders have informed numerous borrowers that mortgage qualification is contingent on maintaining the same job for the preceding two years. Employment gaps can affect…

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Mortgage After Bankruptcy and Foreclosure | Manual Underwriting | Qualifying & Getting Pre-approved | VA Loans | Videos

VA Loans During Chapter 7 Versus 13 Bankruptcy
ByGustan Cho, NMLS 873293 April 26, 2026April 27, 2026

VA Loans During Chapter 7 versus 13 Bankruptcy Blocks: A Veteran’s Mortgage Approval Guide In this blog, we will cover and discuss the agency mortgage guidelines from the U.S. Department of Veterans Affairs for qualifying for VA loans during Chapter 7 versus 13 Bankruptcy. For those who fell victim to our country’s economic collapse and…

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Commercial Loans | Career Opportunities/Loan Officer Training | Hard Money Loans | NON-QM Loans | Real Estate Topic | Videos

How To Become A Private Money Lender In Real Estate
ByGustan Cho, NMLS 873293 April 21, 2026June 17, 2026

What is a Private Money Loan A private money loan is a type of financing provided by non-institutional lenders. Unlike loans from banks or other traditional financial institutions, private money loans often come from individual investors or companies that see value in this potentially risky investment. Here are key aspects of private money loans: Source…

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Home Mortgages | FHA Loans | Mortgage Lender Overlays | Videos

Why Do Lenders Have Different Requirement on Credit Scores
ByGustan Cho, NMLS 873293 April 14, 2026September 3, 2026

This guide covers why do lenders have different requirement on credit scores. There are mortgage lending guidelines on the minimum requirement on credit scores in order to qualify for a particular mortgage loan program. For example, to qualify for a 3.5% down payment FHA Loan, the minimum credit score required by the mortgage loan applicant…

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Mortgage Processing And Underwriting | Automated Underwriting System | NON-QM Loans | Qualifying & Getting Pre-approved | Videos

One Day Mortgage Loan Approval Process For Homebuyers
ByGustan Cho, NMLS 873293 April 13, 2026April 14, 2026

One Day Mortgage Loan Approval: Fast, No-Stress Approval with Gustan Cho Associates Buying a home is stressful—especially when time is running out. In today’s hot housing market, you can’t afford to wait weeks for a lender to give you an answer. That’s why one day mortgage loan approval is changing the game. Find out how…

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Automated Underwriting System | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

VA Refer-Eligible Findings Versus AUS Approval Guidelines
ByAlex Carlucci, NMLS: 229891 April 10, 2026April 13, 2026

VA Refer-Eligible Findings Versus AUS Approval on VA Loans In this blog, we will discuss and cover VA refer-eligible findings versus AUS approval guidelines. The United States Department of Veterans Affairs commonly referred to as The VA, is the parent federal agency that administers VA Home Loans for the active and retired members of our…

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VA Loans | Manual Underwriting | Mortgage Lender Overlays | Videos

VA Credit Score Mortgage Guidelines on VA Home Loans
ByJohn Strange, NMLS: 230932 April 8, 2026September 17, 2026

This guide covers VA credit score mortgage guidelines on VA home loans. VA mortgages are the best home loan program in the Nation. The U.S. government created and implemented VA loans with approval by the U.S. Congress to reward our veterans. Only military veterans with a Certificate of Eligibility (COE) are eligible for VA loans. There…

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Conventional Loans | FHA Loans | Mortgage Lender Overlays | USDA Loans | VA Loans | Videos

Common Mortgage Overlays on FHA, VA, Conventional Loans
ByGustan Cho, NMLS 873293 April 8, 2026April 8, 2026

Common Mortgage Overlays on FHA, VA, USDA, and Conventional Loans Explained This guide covers common mortgage overlays on government and conventional loans. There are two types of mortgage guidelines. All borrowers must meet Agency Guidelines by FHA, VA, USDA, Fannie Mae, and Freddie Mac—lender overlays by mortgage companies. Dale Elenteny a senior mortgage loan originator…

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Automated Underwriting System | Manual Underwriting | VA Loans | Videos

VA AUS Approval With Low Credit Scores and High DTI
ByGustan Cho, NMLS 873293 April 7, 2026July 15, 2026

VA AUS Approval With Low Credit Scores and High DTI: How VA Loans Can Still Work In this article, we will discuss VA AUS approval versus manual underwriting on VA loans. VA loans are the best loan program for owner-occupant home buyers. The Department of Veterans Affairs, The VA, is the government agency that insures…

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VA Loans

VA Loans For First Time Veteran Home Buyers With No Overlays
ByGustan Cho, NMLS 873293 April 6, 2026July 20, 2026

VA loans for first-time veteran home buyers can make buying a home more affordable because they offer no down payment, no private mortgage insurance, and flexible qualifying guidelines. For eligible veterans, active-duty service members, and some surviving spouses, a VA loan is often one of the most accessible ways to buy a first home. If…

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Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

VA Mortgage After Prior VA Loan Foreclosure
ByAlex Carlucci, NMLS: 229891 April 4, 2026April 6, 2026

This Guide covers Is VA Mortgage After Prior VA Loan Foreclosure For many veterans, a VA loan is a valuable tool that facilitates homeownership by offering favorable terms and no requirement for a down payment. However, financial setbacks can lead to foreclosure even on a VA loan. Fortunately, experiencing a foreclosure does not permanently bar…

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Pennsylvania Mortgage Loans
ByGustan Cho, NMLS 873293 April 3, 2026September 23, 2026

Pennsylvania Mortgage Loans: Guide to FHA, VA, USDA, Conventional, Jumbo, and Non-QM Home Financing Learn about Pennsylvania mortgage loan choices for first-time and repeat buyers. Compare FHA, VA, USDA, conventional, jumbo, and Non-QM programs. See how PHFA can help with your down payment and find ways to get a good rate. This guide reviews Pennsylvania…

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VA Loans

Buying A Home With A VA Loan With No Money Down
ByMike Gracz, NMLS: 1160212 March 18, 2026August 19, 2026

Buying a Home With a VA Loan in 2026: The Clear, No-Nonsense Guide You served. You earned this benefit. Buying a home with a VA loan in 2026 can mean no down payment, no monthly PMI, and less cash needed at closing. This guide explains eligibility, entitlement, seller credits, funding fees, appraisals, and the steps…

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Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Choosing a Loan Officer With No Mortgage Lender Overlays
ByJohn Strange, NMLS: 230932 March 17, 2026March 18, 2026

Choosing a loan officer can have a major impact on your homebuying experience. A good loan officer helps you understand your mortgage options, gives you accurate numbers, communicates clearly, and keeps your loan on track from pre-approval to closing. A poor loan officer can cause delays, confusion, unexpected costs, or even a denied loan. If…

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VA Home Loan Requirements
ByGustan Cho, NMLS 873293 March 13, 2026September 22, 2026

VA home loans are among the most powerful benefits available to eligible veterans, active-duty service members, and certain surviving spouses—often offering 0% down, no monthly mortgage insurance, and more flexible credit guidelines than many other programs. This guide breaks down VA home loan requirements in plain English, including eligibility, the Certificate of Eligibility (COE), credit…

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Videos | Mortgage Lender Overlays

Recommended Lender By Realtors With No Lender Overlays
ByMike Gracz, NMLS: 1160212 March 10, 2026March 11, 2026

When you hear the phrase recommended lender by realtors, it usually refers to a lender who has built trust by helping transactions move smoothly from pre-approval to closing. In many cases, real estate agents recommend lenders who communicate well, meet deadlines, explain financing clearly, and help avoid last-minute surprises. For homebuyers, that recommendation can be…

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