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…

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…

Choosing The Right Mortgage Lender
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Choosing The Right Mortgage Lender With No Overlays

ByGustan Cho
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Apply Now In this blog, we will cover choosing the right mortgage lender with no overlays on home loans with many mortgage loan options. Choosing the right mortgage lender is extremely important. There are thousands of mortgage lenders and which lender do you choose?  Getting a referral from a close trusted friend can be on…

FHA Loan After Loan Modification
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FHA Loan After Loan Modification Mortgage Guidelines

ByAlex Carlcucci
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Apply Now This guide will cover qualifying for an FHA loan after loan modification mortgage guidelines. A loan modification is an alternative to foreclosure, where the homeowner’s current mortgage lender will modify their home loan. Loan Modifications are done and granted by lenders because the borrower cannot afford their current mortgage payment. Borrowers who cannot afford…

FHA Guidelines Versus Lender Overlays
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FHA Guidelines Versus Lender Overlays on FHA Loans

ByGustan Cho
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Apply Now In this blog, we will cover the difference between FHA guidelines versus lender overlays on FHA loans. All mortgage lenders need to follow HUD guidelines if they want the loans they originate and fund insured by the Federal Housing Administration. HUD, the parent of FHA, insures lenders against the borrower defaulting on their…

Mortgage Brokers Versus Lenders
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Difference Between Mortgage Brokers Versus Lenders

ByAlex Carlcucci
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This article will cover the difference between mortgage brokers and lenders. Should I use mortgage brokers versus lenders to get the best rates and terms when buying a house? Dale Elenteny of Gustan Cho Associates suggests the pros and cons of using mortgage brokers versus lenders and will answer the frequently asked question about the…

Getting a Mortgage After Bankruptcy and Foreclosure
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Can I Get a Mortgage After Bankruptcy and Foreclosure

ByGustan Cho
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This article covers buying a house and qualifying for a mortgage after bankruptcy and foreclosure. The mortgage industry underwent a major overhaul after the 2008 real estate and mortgage meltdown. The NMLS was created after implementing the SAFE Act and the New Banking Regulations. The Dodd-Frank Act was passed, and the mortgage industry would never…

Mortgage Rates Versus Credit Scores
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How Lenders Price Mortgage Rates Versus Credit Scores

ByDale Elenteny
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This blog will cover how lenders price mortgage rates versus credit scores. All mortgage companies will price mortgage rates versus credit scores. The higher a borrower’s credit scores are, the less risky the borrower is. This is how lenders view borrowers with higher credit scores. There is a pricing adjustment on mortgage rates versus credit…

Home Loan After Loan Modification
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Home Loan After Loan Modification Mortgage Guidelines

ByGustan Cho
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Apply Now   This blog will cover qualifying for a home loan after loan modification mortgage guidelines. A loan modification is when the current lender restructures the homeowner’s current mortgage loan to make it affordable for homeowners and avoid foreclosure. There are various ways of modifying a mortgage. The delinquent payments of the mortgage payments…

Home Loan With Overtime Income and Other Income
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Home Loan With Overtime Income and Other Income

ByGustan Cho
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This article will cover qualifying for a home loan with overtime income and other income. Homebuyers can qualify for a home loan with overtime income and other non-traditional income if certain conditions are met. Borrowers can qualify for a mortgage with overtime income and other income. However, lenders want a two-year history of borrowers making…

HUD Credit Score Guidelines For FHA Loans
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HUD Credit Score Guidelines on FHA Loans

ByGustan Cho
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This guide covers HUD credit score guidelines on FHA loans. HUD, the parent of FHA, is the government agency that sets the minimum HUD credit score guidelines for FHA loans and other updated HUD guidelines. Many of our viewers today are reading this blog because they are getting conflicting reports on the HUD credit score…

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…