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ByGustan Cho, NMLS 873293
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In this article, we will address the steps to take if you face mortgage denial following conditional approval. The home…
ByGustan Cho, NMLS 873293
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As time pass, the world of home loans is changing. Lenders are looking at various factors, and this makes it…
ByGustan Cho, NMLS 873293
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Conventional Loan Collection Accounts Guidelines: What Borrowers Need To Know If you have collection accounts on your credit report and…
ByGustan Cho, NMLS 873293
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97 LTV conventional versus FHA loans? Start by thinking about your credit number – how it shapes each option differently….
ByAlex Carlucci, NMLS: 229891
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Home loans are still available to borrowers with collections, charged-off accounts, or late payments. Lenders are generally willing to approve…
ByJohn Strange, NMLS: 230932
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Home Appraisal Review in Mortgage Process: What Borrowers Need To Know Before Closing Buying a home is one of the…
ByGustan Cho, NMLS 873293
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In this blog, we will cover and discuss qualifying for FHA jumbo loans while in Chapter 13 Bankruptcy repayment plan….
ByGustan Cho, NMLS 873293
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This guide covers how credit scores affect conventional loans. Two of the most popular mortgage loan programs today are FHA…
ByAlex Carlucci, NMLS: 229891
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Many veterans believe that VA loans are difficult to obtain, take a long time to close, or require flawless credit….
ByGustan Cho, NMLS 873293
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High-balance conforming loans are advanced loan programs ideal for the individuals buying homes in high-cost areas. The loan is for…
ByGustan Cho, NMLS 873293
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A 120-day mortgage late payment on your mortgage does not automatically mean foreclosure. It shows you are seriously behind, but…
ByGustan Cho, NMLS 873293
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If you are buying a home or refinancing, you might wonder why mortgage lenders request bank statements throughout the loan…
ByGustan Cho, NMLS 873293
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Many homebuyers have substantial value on their 401k. They can use up to 60% of the value of their 401k for their down payment and/or closing costs on their home purchase. The amount used from their 401k is not used for their debt to income ratio calculations.
ByJohn Strange, NMLS: 230932
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Everything You Need To Know About The Loan Estimate In this guide, we will discuss and extensively cover everything you…
ByGustan Cho, NMLS 873293
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In general, borrowers buy down mortgage rates to get a lower rate on their home loans. However, there are instances where borrowers need to buy down rates due to loan level pricing adjustments due to lower credit scores
ByGustan Cho, NMLS 873293
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Can you get a Freddie Mac mortgage if you have lots of investments or savings but little or no income? In many cases, you can convert assets into income (for mortgage qualifying purposes) by using asset depletion.
ByGustan Cho, NMLS 873293
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How Credit Repair Works During The Mortgage Process To Get Approved This guide covers how credit repair works during the…
ByGustan Cho, NMLS 873293
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FHA Spot Loans enables condo buyers to purchase a condo unit in a non-HUD-Approved Condo Complex with an FHA loan.
ByJohn Strange, NMLS: 230932
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In this article, we will cover and discuss how credit disputes affect mortgage process and cause loan denial. The pre-approval…
ByGustan Cho, NMLS 873293
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Temporary unemployment mortgage guidelines help homebuyers understand how a job loss, layoff, furlough, or employment gap can affect mortgage approval….
ByMike Gracz, NMLS: 1160212
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Can you get a VA loan pre-approval before finding a home if your file needs manual underwriting? Yes, in some…
ByMike Gracz, NMLS: 1160212
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Jumbo mortgages for self-employed borrowers are available, but qualifying can be more challenging than it is for W-2 employees. Jumbo…
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