FHA Mortgage Guidelines on Credit Disputes
This blog will discuss FHA mortgage guidelines on credit disputes during the mortgage process. In general, you cannot have credit…
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VA Loans Residual Income Guidelines
Lenders can offer 100% with no mortgage insurance at competitive low mortgage rates on VA loans due to the government guarantee against loss or foreclosure on VA loans. VA loans have no maximum debt-to-income ratio cap on VA loans.
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How to Avoid Delays in Mortgage Loan Closings
This guide covers how to avoid delays in mortgage loan closings. When homebuyers enter a real estate purchase contract, the…
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Florida Housing Market For Homebuyers and Renters
There is no sign of any housing market crash, especially in Florida. Home prices are booming with no signs of any correction.
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Bad Credit Mortgages | FHA Loans | NON-QM Loans | Qualifying & Getting Pre-approved | VA Loans | Videos
Can I Buy a House in South Dakota With Poor Credit
In this blog, we’ll address the common inquiry: Can I buy a house in South Dakota with poor credit and…
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1099 And Self Employed Borrowers Mortgage Guidelines
More and more people are choosing self-employment or contract work as their source of income. This trend means that mortgage…
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First-Time Buyer 3 Percent Down Payment Conventional Loan
What Are The 3% Down Payment Conventional Loan Requirements And Guidelines? Fannie Mae and Freddie Mac allow a 3% down payment on conventional loans for first-time homebuyers. A first-time homebuyer is a buyer who had no ownership of a home in the past three years.
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Mortgage Case Scenarios of Borrowers With Bad Credit
This guide covers mortgage case scenarios of borrowers with bad credit and lower credit scores. If you have been following…
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Bank Statement Deposit Only Mortgage For Self-Employed Borrowers
This blog will discuss and cover bank statement deposit only mortgage for self-employed borrowers with no income tax returns required….
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How Underwriters Look at Credit Report vs Credit Scores
This blog will cover how mortgage underwriters look at credit report vs credit scores. Minimum credit scores are required to…
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HUD DACA Mortgage Guidelines For DREAMERS on FHA Loans
This article will cover HUD DACA mortgage guidelines on FHA loans for DREAMERS. Gustan Cho Associates have some good news…
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Appraisal Issues During Home Buying and Mortgage Process
In this blog, we will discuss and cover appraisal issues during the home buying and mortgage process. The word “appraisal”…
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Home Mortgages | Home Purchase | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Regulations | Videos
How Qualified Mortgages Affect Borrowers and Lenders
This guide covers how qualified mortgages affect borrowers and lenders on residential loans. To avoid another 2008 financial crisis, Congress…
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FHA Loan After Chapter 13 Bankruptcy in North Dakota
In this blog, we will discuss and cover the mortgage guidelines for getting qualified and approved for an FHA loan…
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Mortgage Lender Complaints and Bad Reviews by Borrowers
It’s important to note that Mortgage Lender Complaints and Bad Reviews submitted by borrowers do exist, but readers should understand…
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Manual Underwriting Versus Automated Underwriting Guidelines
In this blog, we will cover and discuss manual underwriting versus automated underwriting guidelines. The Automated Underwriting System is a…
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Refinance Mortgage When House Is Still Listed For Sale By Owners
In this article, we will discuss and cover Refinance Mortgage When House Is Still Listed For Sale By Owners. In…
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What Is The Benefit of Buying a House in California Versus Other States
This guide covers the benefits of buying a house in California versus other states. California reached record home prices despite…
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What is a Credit Supplement For a Mortgage
This guide covers what a credit supplement in a mortgage is and how it works. There are three major credit…
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Funds In Bank Statements That Cannot Be Used By Lenders
This guide covers funds in bank statements that mortgage lenders cannot use. All funds in bank statements that are newer…
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Upfront Costs For Mortgage Loans Prior To Closing
This guide covers upfront costs for mortgage loans prior to closing. What would you do as a borrower if a…
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First Time Home Buyers | Home Mortgages | Home Purchase | Qualifying & Getting Pre-approved | Videos
Is Homeownership The Best Way To Build Wealth?
This blog will cover how to build wealth by owning versus renting a home. We will show you how quickly…
