Mortgage With New Job Lending Requirements and Guidelines
This article delves into the lending prerequisites and regulations concerning mortgage with new job. It addresses the misconception that one…
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Employment Gaps Lending Guidelines For Mortgage Approval
This blog addresses the eligibility criteria for obtaining a mortgage and securing approval despite having experienced employment gaps within the…
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Clearing Underwriters Conditions To Submit For Clear To Close
In this guide, we address underwriters conditions to pave the way for a clear-to-close submission. Whether individuals seek approval for…
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FHA Appraisal Transfer To A New Mortgage Lender
In this blog, we will discuss and cover the FHA appraisal transfer from your old lender to a new mortgage…
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How To Get Approved For FHA Loans With No Credit Scores
Gustan Cho Associates are experts when analyzing consumer credit reports. Since we do not have lender overlays, we see all…
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Low Appraisal on Home Purchase and Solutions For Borrowers
This guide covers low appraisal on home purchase and solutions for mortgage borrowers. We will discuss solutions to low appraisal…
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How To Get Refer To Approve-Eligible Per AUS Approval
How To Get Refer To Approve-Eligible Per AUS To Qualify For Mortgage: There are ways of trying to get a refer/eligible findings to an approve/eligible per automated underwriting system.
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Collection Accounts | Credit Disputes | Home Mortgages | Mortgage Processing And Underwriting | Videos
How Credit Disputes Affect Mortgage Process
In this article, we will cover and discuss how credit disputes affect mortgage process and cause loan denial. The pre-approval…
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Which Mortgage Is Right for Me? The Top 5 Mortgage Types
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.
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VA Credit Score Agency Guidelines Versus Lender Overlays
This guide covers VA credit agency guidelines versus lender overlays on VA loans. Understanding VA Credit Score Agency Guidelines is…
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Paying Mortgage Balance Early Before End of Loan Term
This guide covers the benefits of paying mortgage balance early before end of loan term. Paying mortgage balance early before…
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Fannie Mae Second Home Guidelines on Conventional Loans
This guide explains Fannie Mae second home guidelines, especially vacation properties. As of 2025, a minimum down payment of 10%…
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Moving To Another Owner-Occupied Home Without Selling
In this blog, we will cover and discuss buying and moving to another owner-occupied home without selling their first home….
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VA Guidelines On Deferred Student Loans On VA Home Loans
This article explores the VA Guidelines on Deferred Student Loans and their influence on the debt-to-income ratio in the context…
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Can Homeowners Be on Title But Not on Mortgage
The primary emphasis of this blog centers around the waiting period obligations that individuals face after foreclosure, specifically those on…
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FHA Appraisals Versus Conventional Appraisals Guidelines
This article examines and clarifies the criteria for FHA Appraisals Versus Conventional Appraisals. There are significant differences in the guidelines…
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Mortgage Processing And Underwriting | Income And Employment | Qualifying & Getting Pre-approved | Videos
How Underwriters Analyze Bank Statements of Borrowers
This article delves into how underwriters analyze bank statements of borrowers. When individuals seek a mortgage loan, underwriters deem 60…
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Payment Shock From Paying Rent To New Mortgage Payments
In this blog, we will discuss payment shock from paying rent as a renter to paying a mortgage as a…
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Commission-Income Mortgage Guidelines
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.
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Fannie Mae-Freddie Mac Charge-Off Guidelines On Conventional Loans
This blog post will explore the Fannie Mae-Freddie Mac charge-off guidelines applicable to conventional loans. Gustan Cho Associates has recently…
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Part-Time Income To Full-Time Income Mortgage Guidelines
There are strict rules regarding the part-time income to full-time income mortgage guidelines. For part-time income to be used, borrowers…
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What is an FHA Case Number on FHA Home Loans
This blog will cover and discuss the FHA case number on new FHA mortgage applications. We will also discuss transfers…
