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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What Is a 3-2-1 Buydown Mortgage?
Home prices are still at an all-time high, with mortgage rates north of seven percent. The current mortgage market is…
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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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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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FHA Guidelines on Manufactured Home Loans
This guide covers FHA Guidelines on Manufactured Home Loans. FHA Guidelines on manufactured home loans are released. HUD, the parent…
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Mortgage Guidelines on Defaulted Student Loans
Borrowers cannot qualify for a mortgage with defaulted federal student loans until the student loans are out of default.
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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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FHA DTI Ratios on Manual Underwrites Mortgage Guidelines
This article will delve into the mortgage guidelines for FHA DTI ratios on manual underwrites. The key distinction between manual…
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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…
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QC Review Prior Clear To Close During Mortgage Process
In this blog, we will be covering the QC Review Prior Clear To Close During Mortgage Process by some mortgage…
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What is an FHA Case Number on FHA Home Loans
This blog will cover and discuss the FHA case number on new FHA mortgage applications. We will also discuss transfers…
