Steps in Mortgage Process For Closing Home Loan on Time
This guide covers the steps in mortgage process for closing home loan on time. Homebuyers looking to purchase a new…
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Get Recent Update Credit Report Fast With a Rapid Rescore
In this blog post, we’ll delve into the most recent methods to update credit report fast using rapid rescore to…
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Home Loan Approval After Losing Job During Mortgage Process
This guide covers how to close on home loan after losing job during mortgage process. We will show you qualifying…
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Mortgage Underwriter Errors
This guide covers mortgage underwriter errors that cause borrowers to be denied a loan. Mortgage underwriter errors do happen. Underwriters…
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VA Loans With No Credit Scores Mortgage Guidelines
This blog post will discuss VA loans with no credit scores in detail and examine the DTI (Debt-to-Income) requirements. VA…
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Using Realtor Commission For Home Purchase Down Payment
This guide covers using realtor commission for home purchase down payment. This article delves into using realtor commission for a…
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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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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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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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Mortgage After Unemployment With Job Gaps
This article will discuss and cover qualifying for a mortgage after unemployment. Homebuyers do not need a two-year employment history…
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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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Fannie Mae Rental Income Guidelines And Requirements
This blog post will explore Fannie Mae rental income guidelines and lending requirements. We will focus on elucidating the latest…
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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…
