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ByGustan Cho
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In this article, we will cover getting approved for VA loans in New Mexico. Are you an active duty military service member or a veteran looking to purchase a home in New Mexico either for yourself or your family? If so, have you heard about VA loans and that you can apply and qualify despite…
ByApril Ramirez
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We will be covering the updated VA cash-out refinance mortgage loans. Gustan Cho Associates, empowered by NEXA Mortgage, LLC are mortgage brokers licensed in 48 states, including Washington DC, Puerto Rico, and the U.S. Virgin Islands. Gustan Cho Associates has lending partnerships with over 190 wholesale mortgage lenders. We will update our viewers on updated…
ByMike Gracz
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This article is about VA TBD Manual Underwriting Mortgage Guidelines On Pre-Approvals VA TBD Manual Underwriting Mortgage Process. Gustan Cho Associates are excited to re-introduce our TBD underwriting process. We are now able to send applications that require a manual underwrite to our underwriting staff in advance. Receiving a pre-approval from an underwriter will help…
ByMike Gracz
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This Article Is About Pest Inspection On VA Loans Mortgage Guidelines By State Pest Inspection On VA Loans Mortgage Guidelines By State required by the Veterans Administration: Gustan Cho Associates are experts in VA mortgage financing. We offer all our VA loan programs without LENDER OVERLAYS. In this blog, we will detail a critical part…
ByGustan Cho
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This blog will discuss the VA guidelines after short sale waiting period requirements to qualify for a VA loan. VA guidelines after short sale to qualify for a VA loan require a mandatory waiting period of two years for borrowers to qualify for a VA loan. Lenders expect no late payments after the short sale…
ByMike Gracz
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In this blog, we will cover and discuss VA renovation mortgage loans. Many of our veterans do not know they may utilize a VA loan to complete renovations to a property. This can be done when purchasing a home or refinancing their current primary residence. This product is similar to The FHA 203k or Fannie…
ByAlex Carlucci
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VA Refinance Guidelines encompass two distinct mortgage processes: the VA streamline refinance (IRRRL), and the VA cash-out refinance. Gustan Cho Associates specializes in assisting homeowners with rate and term VA streamline refinances and cash-out VA refinance mortgages. This article will cover the VA refinance guidelines for both VA streamlines and cash-out refinance loans, providing essential…
ByGustan Cho
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This Article Is About VA Loans Ohio With Bad Credit And No Lender Overlays Ohio is one of the hottest states for homebuyers. This holds especially true for active and retired members of the United States Military. Ohio ranks as one of the highest population states of veterans. All areas of Ohio, especially the Columbus…
ByGustan Cho
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In this article, we will discuss and cover the VA automated findings on the automated underwriting systems (AUS). VA loans has more lenient agency mortgage guidelines than any other loan program. All VA loans need to go through the Automated Underwriting System for VA Automated Findings. What is the Automate Underwriting System (AUS) The Automated…
ByGustan Cho
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In this article, we will cover and discuss VA foreclosure guidelines in qualifying for VA loans. VA Foreclosure Guidelines require a two-year waiting period after a housing event to qualify for VA Loans.VA Foreclosure Guidelines are less strict than other loan programs. A housing event is a foreclosure, deed in lieu of foreclosure, or short-sale….
ByAlex Carlucci
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This blog will discuss and cover VA Guidelines Versus Overlays on VA loans. Not all mortgage lenders have the same requirements for VA loans. All mortgage lenders require their borrowers to meet the minimum VA agency guidelines set by the Veterans Administration. However, lenders can impose stricter lending requirements beyond the VA guidelines. These additional…
ByAlex Carlucci
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This article will discuss the buy-out cash-out refinance option for VA Chapter 13 Bankruptcy. A VA Chapter 13 Bankruptcy buy-out can be accomplished using a cash-out refinance on VA home loans while under a Chapter 13 Bankruptcy repayment plan. The widespread financial hardship caused by the coronavirus pandemic outbreak in February 2020 has significantly affected…
ByMike Gracz
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In this article, we will cover and discuss qualifying for a VA loan with low credit scores with Colorado VA lenders with no overlays for bad credit. The Department of Veterans Affairs administers the VA loans Colorado credit and debt to income ratio requirements and guidelines. In this article, we will cover Colorado VA lenders…
ByGustan Cho
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This Article Is About VA Loan Denial And Getting Qualified With Lender With No Overlays There should be no reason why anyone should get a VA Loan Denial. Unfortunately, there are many borrowers who either get a last-minute mortgage loan denial or major stress during the mortgage process. There is one reason and one reason ONLY…
ByGustan Cho
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In this article, we will discuss and explain the guidelines for VA loans with under 620 credit scores. VA loans are considered the best mortgage loan program available for home buyers. However, VA Home Loans are exclusively available to Veterans of the United States Armed Forces who possess a valid Certificate of Eligibility (COE). Importantly,…
ByAlex Carlucci
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In this article, we will be comparing FHA loans vs VA loans. VA loans by far are the best mortgage loan program in the nation. The U.S. Department of Veterans Affairs is the federal government agency administering the agency mortgage guidelines on VA loans. The role of the Veterans Administration (VA) and the U.S. Department…
ByGustan Cho
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This blog will discuss buying a home and getting a mortgage with bad credit in Nevada. Nevada has many amenities, including no state income taxes, few regulations and restrictions, and plenty of job opportunities. We will discuss consumers’ options for obtaining a mortgage with bad credit in Nevada. Saving for a larger down payment (typically…
ByMargarett Jurilla
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Most people don’t know that the VA does not limit the amount that you can borrow. The VA guarantee limits the amount that most lenders will allow with zero down, but with a down payment there are no VA loan limits.
ByAnngelli Abenes
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This guide covers VA guidelines on co-borrowers for VA loans. We will discuss the VA guidelines on co-borrowers. Income is one of the most important factors when qualifying for VA loans. VA loans have specific mortgage lending guidelines for co-borrowers and are different than any other mortgage loan programs regarding co-borrowers. Dale Elenteny, a senior…
ByAlex Carlucci
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In this blog, we will cover and discuss the steps to buying your first home in Wyoming. Buying your first home in Wyoming should not be stressful. It should be an exciting point in your life where you are making your single largest investment and starting a new chapter in your life as a homeowner….
ByAlex Carlucci
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We will be covering qualifying and getting approved for VA mortgage loans in Arizona. Arizona is one of the most migrated states in the nation. Tens of thousands of families are moving to the state due to the great economy, low taxes, affordable housing, and low cost of living. Thousands of Californians are moving to…
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