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ByGustan Cho, NMLS 873293
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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, NMLS 873293
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In this blog, we will discuss payment shock from paying rent as a renter to paying a mortgage as a…
ByDale Elenteny, NMLS: 904444
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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, NMLS: 229891
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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, NMLS 873293
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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, NMLS 873293
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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, NMLS 873293
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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, NMLS 873293
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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…
ByAlex Carlucci, NMLS: 229891
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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, NMLS: 229891
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In this article, we will cover and discuss when you can get a mortgage approval after bankruptcy dismissal. There are…
ByDale Elenteny, NMLS: 904444
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This guide covers investor cash-flow mortgage for investment properties. Gustan Cho Associates now offers investor cash-flow loan programs on investment…
ByDale Elenteny, NMLS: 904444
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In this blog, we will cover and discuss the mortgage guidelines after bankruptcy on home purchases and refinance transactions. There…
ByGustan Cho, NMLS 873293
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This guide covers lender overlays on credit tradelines by mortgage underwriters. Do all mortgage companies have lender overlays on credit…
ByGustan Cho, NMLS 873293
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This GUIDE covers debt-to-income ratio limit to qualify for a mortgage loan. Home loans and debt-to-income ratio limit. Every mortgage…
ByAlex Carlucci, NMLS: 229891
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Homeowners With FHA Loans Should Consider A Conventional Refinance Loan While Mortgage Rates Are At Historic Lows And Avoid Paying FHA MIP. Mortgage rates are at historic lows and many home values have skyrocketed in the past several years. Many homeowners with FHA loans can benefit by refinancing to a conventional mortgage and avoid paying LPMI.
ByAlex Carlucci, NMLS: 229891
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In this blog, we will discuss lender versus borrower paid mortgage transactions. Mortgage brokers can often opt to go with…
ByGustan Cho, NMLS 873293
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In this blog, we will discuss and cover qualifying for home loan with job offer letter. One of the frequently…
ByAlex Carlucci, NMLS: 229891
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In this article, we will cover and discuss new mortgage programs for homebuyers and real estate investors. We have over…
ByGustan Cho, NMLS 873293
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Most guidelines require lenders to average the most recent two years of income to qualify applicants. Some programs allow borrowers with newer businesses if they have experience
ByGustan Cho, NMLS 873293
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This guide covers Fannie Mae and HUD Guidelines on conventional versus FHA loans. Fannie Mae and HUD guidelines on conventional…
ByAlex Carlucci, NMLS: 229891
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This guide covers things to avoid when repairing your credit for a mortgage approval. There are things to avoid when…
ByAlex Carlucci, NMLS: 229891
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This article covers getting a VA loan denial due to overlays and qualifying with a different lender. In this article,…
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