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…

Denied For Mortgage After Conditional Approval
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Getting Denied For a Mortgage After Conditional Approval

ByGustan Cho
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In this blog, we will discuss getting denied for a mortgage after conditional approval. Can borrowers get denied for a mortgage after conditional approval? There is no guarantee in the mortgage world that a deal will close until it has been closed and funded. There is no reason why borrowers cannot close on their pre-approvals….

Getting a Mortgage in The Virgin Islands
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Getting a Mortgage In The Virgin Islands For a Home Purchase

ByGustan Cho
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  In this guide, we will cover getting a mortgage in the Virgin Islands for a home purchase with a U.S.-based mortgage lender. In recent years, the Virgin Islands have seen an unprecedented boom in tourism. The growth of new people and businesses moving to the Virgin Islands has been explosive. More and more real…

High Debt-To-Income Ratio Mortgage Loans And Solutions
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High Debt-To-Income Ratio Mortgage Loans

ByGustan Cho
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Many new high debt-to-income ratio mortgage loans have been recently launched and introduced to the market. No-doc loans, DSCR mortgages, profit and loss statement-only mortgage loans, bank statement mortgages, and asset-depletion loans are some non-QM loan programs that do not require income docs and are based on other income/asset factors. Many borrowers think they will…

Non-QM Loans One Day Out of Foreclosure
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Non-QM Loans One Day Out of Foreclosure and Bankruptcy

ByAlec Finn
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In this article, we will cover qualifying for non-QM loans one day out of foreclosure and bankruptcy. We will discuss how you can now qualify for a home mortgage after a foreclosure, deed in lieu of foreclosure, and short sale with no waiting period requirements. However, the down payment requirements is higher than the traditional…

90 LTV Jumbo Loans
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90 LTV Jumbo Loans With No Mortgage Insurance

ByMichael Gracz
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In this blog, we will be covering and discussing the 90 LTV Jumbo Loans. The 90 LTV Jumbo Loans stands for a 90% loan-to-value jumbo mortgage loan program. One 10% down payment is required on the 90 LTV Jumbo Loans with no private mortgage insurance required. Real estate prices have been increasing since 2010. Despite…

Non-QM Jumbo Mortgages
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Non-QM Jumbo Mortgages For Non-Prime Borrowers

ByAlec Finn
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In this blog, we will cover qualifying for non-QM jumbo mortgages for non-prime borrowers, self-employed borrowers, and homebuyers with low credit scores. Government and conventional loans have a maximum loan limit. The maximum loan limit depends on the individual loan program. Gustan Cho Associates now offers Non-QM jumbo mortgages for non-prime and self-employed borrowers with…

Buying a House in Puerto Rico
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Buying a House in Puerto Rico With a U.S. Based Mortgage Lender

ByGustan Cho
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If you’ve ever dreamt of owning a piece of paradise in the Caribbean, Puerto Rico may be your perfect destination. Buying a house in Puerto Rico is an attractive proposition with its stunning beaches, rich cultural heritage, and thriving real estate market. It is becoming increasingly popular among Americans in the mainland United States. Many…

How to Buy a Second Home While Owning First
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How To Buy a Second Home While Owning First

ByGustan Cho
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In this blog, we will be covering for homeowners how to buy a second home while owning first. We will cover some creative ways of keeping your first home and being able to affect a vacation home or investment home. owner-occupant primary home. Generally, most people will sell their home and buy a second home…

Asset-Depletion Mortgage Loans
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Asset-Depletion Mortgage Loans

ByGustan Cho
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In this article, we will cover qualifying for asset-depletion mortgage loans. We will go over what asset-depletion mortgage loans are and the qualification requirements. Asset-depletion loans are non-QM loans that use your assets versus traditional wages to calculate qualified income for a mortgage. Homebuyers do not need to be employed or have any source of…

Fannie Mae 5-10 Financed Properties Guidelines
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Fannie Mae 5-10 Financed Properties Guidelines

ByGustan Cho
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Suppose you’re a real estate investor or looking to finance multiple properties. You may have heard of Fannie Mae 5-10 financed properties guidelines in that case. These guidelines limit the number of financed properties an individual can have when applying for a new mortgage through Fannie Mae. In this article, we will cover and discuss…

FHA Versus NON-QM Loans
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FHA Versus NON-QM Loans

ByAlex Carlcucci
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This guide covers qualifying for FHA versus non-QM loans. In the following paragraphs, we will cover qualifying and getting approved for FHA versus NON-QM loans.  The first batch of closings on FHA back-to-work extenuating circumstances loans was launched in the first week of December 2014. HUD’s FHA Back to Work extenuating circumstance due to an…