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ByGustan Cho
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Every mortgage borrower is different. Your income, debts, credit rating, savings, and goals are unlike anyone else’s. The best mortgage for your neighbor might be the worst home loan for you.
ByGustan Cho
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This guide covers VA credit agency guidelines versus lender overlays on VA loans. Understanding VA Credit Score Agency Guidelines is…
ByGustan Cho
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This guide covers the benefits of paying mortgage balance early before end of loan term. Paying mortgage balance early before…
ByGustan Cho
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This guide explains Fannie Mae second home guidelines, especially vacation properties. As of 2025, a minimum down payment of 10%…
ByAlex Carlucci
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In this blog, we will cover and discuss buying and moving to another owner-occupied home without selling their first home….
ByGustan Cho
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This article explores the VA Guidelines on Deferred Student Loans and their influence on the debt-to-income ratio in the context…
ByGustan Cho
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The primary emphasis of this blog centers around the waiting period obligations that individuals face after foreclosure, specifically those on…
ByMargarett Jurilla
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This article examines and clarifies the criteria for FHA Appraisals Versus Conventional Appraisals. There are significant differences in the guidelines…
ByGustan Cho
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This article delves into how underwriters analyze bank statements of borrowers. When individuals seek a mortgage loan, underwriters deem 60…
ByGustan Cho
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In this blog, we will discuss payment shock from paying rent as a renter to paying a mortgage as a…
ByLaurie Cho
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Mortgage lenders must adhere to the Ability to Repay (ATR) rule when underwriting. That means they must make sure that borrowers can afford the loan before they approve it.
ByAlex Carlucci
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This blog post will explore the Fannie Mae-Freddie Mac charge-off guidelines applicable to conventional loans. Gustan Cho Associates has recently…
ByGustan Cho
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In this blog, we will cover and discuss qualifying for a mortgage during and after divorce on purchase and refinance…
ByGustan Cho
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There are strict rules regarding the part-time income to full-time income mortgage guidelines. For part-time income to be used, borrowers…
ByGustan Cho
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This blog will cover and discuss the FHA case number on new FHA mortgage applications. We will also discuss transfers…
ByGustan Cho
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In this article, we will cover and discuss the comparison between jumbo loan vs conventional loan programs and the…
ByGustan Cho
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This guide covers overlays on debt-to-income ratio on FHA loans. Homebuyers who got issued pre-approval from a mortgage loan originator…
ByGustan Cho
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This guide covers eliminating FHA mortgage insurance premium by refinancing FNMA. Borrowers taking out an FHA insurance mortgage loan, besides…
ByAlex Carlucci
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This guide covers non-QM down payment guidelines on home purchase. Non-QM down payment guidelines on home purchase for homebuyers on…
ByAlex Carlucci
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In this article, we will cover and discuss when you can get a mortgage approval after bankruptcy dismissal. There are…
ByGustan Cho
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This guide covers how to negotiate a home purchase prior to signing a contract. How to negotiate a home purchase…
ByGustan Cho
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The conventional loan waiting period after deed-in-lieu of foreclosure and short sale of four years is shorter than the 7-year…
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