GCA Forums
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Great Content Authority Forums: GCA Forums

BySapna Sharma
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Introduction to GCA Forums, Great Content Authority (GCA) Forums. An overview of Great Content Authority Forums and its parent company, Gustan Cho Associates. The significance of forums within the scope of the current digital generation. The purpose of Great Content Authority Forums and their strategic role as a focus for the target audience on important…

Refinancing FHA Loans To Conventional Loans
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Mortgage Loan Application and the Underwriting Approval Process

ByDale Elenteny
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This article is about the mortgage loan application and approval process that requires the borrower to go through multiple stages. In this article, we will cover the following topics: Understanding the mortgage process Steps in the mortgage process The role of the mortgage underwriter Fees and costs borrowers need to pay By the time you…

Things To Avoid During Mortgage Process
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Things To Avoid During Mortgage Process

BySapna Sharma
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In this article, we will cover things to avoid during mortgage process for homebuyers and close on time.  We will discuss tips on things to avoid during mortgage process to avoid a last-minute mortgage loan denial. Alex Carlucci of Gustan Cho Associates said the following: It is human nature for a home buyer to get…

Mortgage guidelines
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Mortgage Guidelines on Government and Conventional Loans

ByGustan Cho
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Apply Now In this blog, we will be covering mortgage guidelines on government and conventional loans. Mortgage guidelines on the individual mortgage loan program are set by the FHA, VA, USDA, Fannie Mae, or Freddie Mac. Every agency has its own set of mortgage guidelines. Mortgage Guidelines on Government-Backed Mortgage Loans All lenders need to…

Qualifying For Home Loan After Bankruptcy
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Qualifying For Home Loan After Bankruptcy And Housing Event

ByGustan Cho
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In this article, we will discuss and cover Qualifying For Home Loan After Bankruptcy And Housing Event. The journey to homeownership can be challenging, especially after experiencing a financial setback like bankruptcy or a significant housing event such as foreclosure or a short sale. However, it is important to know that all is not lost….

VA Debt To Income Ratio
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How To Calculate Debt-To-Income Ratio on Mortgage Loans

ByGustan Cho
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In this blog, we will cover and discuss how to calculate debt-to-income ratio on mortgage loans. There are two types of debt-to-income ratios when it comes to debt to ratio requirements. The first is front-end debt-to-income ratios and the second is back-end debt-to-income ratios. Front-End and Back-End Debt-To-Income Ratio The front-end debt-to-income ratio is also…

What Can Be Used As Income For a Mortgage
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What Can Be Used As Income For a Mortgage Approval

BySapna Sharma
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In this blog, we will cover and discuss what can be used as income for a mortgage. Other income such as overtime, part-time, bonus, tip, or other income refers to extra income or non-traditional income that what can be used as income for a mortgage. Besides the full-time that you earn, non-traditional income can be…

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Upfront Fees During Mortgage Application Process

ByGustan Cho
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In this article, we will discuss and cover the upfront fees during mortgage application process. The mortgage application process starts when pre-approved borrowers get a real estate purchase contract. Or if borrowers are homeowners, they give the mortgage loan originator the heads up to start the refinance mortgage process. The mortgage loan originator will send out…

TRID Mortgage Regulations
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Verifications Required By Lenders During The Mortgage Process

ByGustan Cho
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This Article Is About Verifications Required By Lenders During The Mortgage Process There are multiple verifications required by lenders during the mortgage application and approval process. With all the mortgage guidelines put in place after the real estate crash of 2008, mortgage lenders must complete numerous verifications to approve a borrower for a mortgage loan….

Closing Disclosure
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Mortgage Guidelines After Foreclosure To Qualify For Home Purchase

ByGustan Cho
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This Article Is About Mortgage Guidelines After Foreclosure To Qualify For Home Purchase Mortgage borrowers can qualify for a mortgage after a housing event. A housing event is a foreclosure, deed in lieu of foreclosure, or short sale. Every loan program has its own waiting period requirements after a housing event. The waiting period start…

How To Get Credit Cards After Bankruptcy
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Adding Credit Tradelines To Qualify For Mortgage

ByGustan Cho
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In this blog, we will cover and discuss adding credit tradelines to qualify for mortgage by boosting credit scores. Many homebuyers go to their banks and other lenders to be told that they do not qualify for mortgage. This is  because they do not have three credit tradelines or their scores are not high enough…

Steps Leading To Clear To Close On Mortgage
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Clear to Close On Mortgage And Timeline From Application To CTC

ByGustan Cho
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In this blog post, we’ll explore the process of achieving a clear-to-close mortgage and the timeline from the initial loan application to this critical stage. But what exactly does “clear-to-close” mean in the mortgage realm? A clear-to-close mortgage (CTC) represents the culmination of the mortgage process. It’s the point at which the mortgage lender has…