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ByGustan Cho
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Dozens of non-QM loan programs have been created and launched in recent years. A large percentage of homebuyers who cannot qualify for traditional loans gravitate towards non-QM loans.
ByMike Gracz
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Homebuyers and homeowners can secure Chapter 13 Trustee Mortgage Approval under the Chapter 13 Bankruptcy repayment plan. FHA and/or VA…
ByGustan Cho
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Can an individual with a credit score of 500 be eligible for a VA loan? Absolutely. The Veterans Administration (VA)…
ByMargarett Jurilla
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This blog post will discuss VA loans with no credit scores in detail and examine the DTI (Debt-to-Income) requirements. VA…
ByAnngelli Abenes
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This guide covers using realtor commission for home purchase down payment. This article delves into using realtor commission for a…
ByGustan Cho
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This article delves into the lending prerequisites and regulations concerning mortgage with new job. It addresses the misconception that one…
ByGustan Cho
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This blog addresses the eligibility criteria for obtaining a mortgage and securing approval despite having experienced employment gaps within the…
ByLaurie Cho
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In this guide, we address underwriters conditions to pave the way for a clear-to-close submission. Whether individuals seek approval for…
ByGustan Cho
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This blog delves into the significance of non-traditional credit in mortgage qualification process, particularly focusing on scenarios where borrowers lack…
ByMike Gracz
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Gustan Cho Associates are experts when analyzing consumer credit reports. Since we do not have lender overlays, we see all…
ByAlex Carlucci
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This guide covers low appraisal on home purchase and solutions for mortgage borrowers. We will discuss solutions to low appraisal…
ByAlex Carlucci
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In this blog, we will cover and discuss the gift of equity on home purchase mortgage guidelines. Many people want…
ByGustan Cho
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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.
ByGustan Cho
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This guide covers manufactured home financing requirements. Many home buyers of manufactured home financing have a difficult time getting it….
ByAnngelli Abenes
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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
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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%…
ByGustan Cho
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This article will discuss and cover qualifying for a mortgage after unemployment. Homebuyers do not need a two-year employment history…
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…
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