ByGustan Cho, NMLS 873293
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In this guide, we will cover and discuss the statute of limitations on collection accounts and charge-offs. We will go…
ByGustan Cho, NMLS 873293
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This guide covers getting a home loan approved after a bank denies your mortgage application. There should be no reason…
ByGustan Cho, NMLS 873293
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This guide is a shortcut guide to the HUD 4000.1 FHA Handbook, Revised for FHA Loans. The HUD 4000.1 FHA…
ByGustan Cho, NMLS 873293
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Freddie Mac foreclosure guidelines depend on how your new loan is underwritten. For manual underwriting, the standard foreclosure recovery period…
ByAlex Carlucci, NMLS: 229891
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Buying another home after foreclosure starts with knowing which waiting period applies to your situation. Before choosing a property or…
ByGustan Cho, NMLS 873293
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Do I Have to Pay Collection Accounts for FHA Loan Approval? A frequently asked question by people who have had…
ByJohn Strange, NMLS: 230932
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On a VA purchase loan, you generally cannot receive extra cash from the loan proceeds. You may, however, receive a…
ByGustan Cho, NMLS 873293
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This guide covers VA loans with no credit scores in detail and examines the DTI (Debt-to-Income) requirements. VA loans stand…
ByGustan Cho, NMLS 873293
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Overdrafts in bank statements can raise questions during mortgage underwriting, but one overdraft does not automatically mean your loan will…
ByMike Gracz, NMLS: 1160212
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Mortgage guidelines after high school vary by loan program. You may qualify soon after graduation without two years on the…
ByGustan Cho, NMLS 873293
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The appraisal transfer policy is a set of rules that let you move your home appraisal from one lender to…
ByGustan Cho, NMLS 873293
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One of the challenges people who want to buy a house have is having a high debt-to-income ratio. If you…
ByGustan Cho, NMLS 873293
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Paying Down Credit Cards During Mortgage Process to Lower DTI Paying off credit card debt during the mortgage process can…
ByGustan Cho, NMLS 873293
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Mortgage approval for home purchase on acreage is possible with FHA, VA, USDA, conventional, and Non-QM loan programs. There is…
ByAlex Carlucci, NMLS: 229891
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A VA credit dispute does not automatically disqualify a borrower from getting a VA loan. VA does not have a…
ByGustan Cho, NMLS 873293
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We will discuss qualifying for FHA loans in Utah with a FICO score under 620, including those with outstanding collections…
ByGustan Cho, NMLS 873293
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This guide covers HUD mortgage guidelines on having multiple FHA loans at the same time. One of the most frequently…
ByGustan Cho, NMLS 873293
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In the mortgage world, credit reports are not updated each time there is a payment by the borrower. An example…
ByMike Gracz, NMLS: 1160212
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When are two appraisals required? Two full appraisals are not standard for most mortgages. A second appraisal may be required…
ByGustan Cho, NMLS 873293
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Payment shock can contribute to mortgage denial, but a large increase in housing expenses does not automatically disqualify a borrower….
ByGustan Cho, NMLS 873293
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A mortgage QC review prior clear to close is an additional check of selected loan information before closing or funding….
ByGustan Cho, NMLS 873293
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Your mortgage lender checks your credit when you apply for a home loan. Your credit score determines your mortgage rate and also if you qualify for a loan.
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