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ByDale Elenteny, NMLS: 904444
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Dozens of non-QM loan programs have been launched for 2021. The dozens of alternative mortgage loan programs is fueling the booming housing market and drying up inventory of home. Thus, it is skyrocketing home prices even more.
ByDale Elenteny, NMLS: 904444
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This guide covers qualifying for a home loan with a late mortgage payment in the past 12 months. Qualifying for…
ByDale Elenteny, NMLS: 904444
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In this article, we will discuss and cover the FHA credit guidelines on how to get qualified for an FHA…
ByDale Elenteny, NMLS: 904444
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Homeowners should explore how much money they can save with today’s historic low mortgage rates to refinance their home loans.
ByGustan Cho, NMLS 873293
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In this article, we will cover and discuss qualifying for a mortgage with recent derogatory credit with our non-QM loan…
ByGustan Cho, NMLS 873293
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This guide covers property tax proration VA guidelines on VA home loans. There are certain states where property taxes are…
ByGustan Cho, NMLS 873293
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This guide covers continuation of income guidelines of mortgage lenders. The ability to repay is one of the most important…
ByGustan Cho, NMLS 873293
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This guide cover the things to know before filing bankruptcy for future homebuyers. There are things to know before filing…
ByGustan Cho, NMLS 873293
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This guide covers HUD mortgage guidelines on having multiple FHA loans at the same time. One of the most frequently…
ByGustan Cho, NMLS 873293
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This guide covers changing lenders during underwriting process before closing. The mortgage approval process does not have to be stressful…
ByAlex Carlucci, NMLS: 229891
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This guide covers how to buy a house with bad credit. Many folks assume you cannot get a mortgage loan…
ByGustan Cho, NMLS 873293
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This blog post will explore Buying House While In Chapter 13 Bankruptcy. Chapter 13 Bankruptcy involves a structured five-year repayment…
ByAlex Carlucci, NMLS: 229891
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HUD, the parent of FHA, allows borrowers down to a 500 credit score to qualify for an FHA loan. However, for borrowers with under a 580 credit score, a 10% down payment is required.
ByGustan Cho, NMLS 873293
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This guide explains the requirements for obtaining two FHA loans at the same time. This is important information for those…
ByGustan Cho, NMLS 873293
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This guide covers how credit repair works during the mortgage process. A substantial percentage of my borrowers are folks who…
ByGustan Cho, NMLS 873293
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This guide covers the loan officer document checklist. This article on the Loan Officer Document Checklist is a series of…
ByGustan Cho, NMLS 873293
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Gustan Cho Associates has no lender overlays on VA loans. VA loans do not have a minimum credit score requirement nor a maximum debt to income ratio cap as long as the borrower can get an approve/eligible per automated underwriting system.
ByGustan Cho, NMLS 873293
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This article will discuss the guidelines for VA property tax exemption related to VA home loans. The VA has created…
ByGustan Cho, NMLS 873293
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This guide covers using rapid rescore in the mortgage process. What is a rapid rescore? It’s a service accessible only…
ByGustan Cho, NMLS 873293
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This blog will cover Fannie Mae Collection Guidelines on Conventional loans. Fannie Mae and Freddie Mac are the two mortgage…
ByGustan Cho, NMLS 873293
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Many agency guidelines list extenuating circumstances as reasons for getting qualified for a mortgage when otherwise they would not qualify. However, borrowers need to understand
ByGustan Cho, NMLS 873293
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This guide covers qualifying for a home loan downsizing to a smaller home. It makes no sense in having a…
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