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…

Chapter 13 Mortgage Guidelines
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Chapter 13 Mortgage Guidelines For FHA and VA Loans

ByGustan Cho
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Apply Now In this article, we will cover Chapter 13 Mortgage Guidelines for FHA and VA loans. Both FHA and VA loans Chapter 13 Mortgage Guidelines are exactly the same. The only two traditional mortgage loan program that allow for manual underwriting are FHA and VA loans. The manual underwriting guidelines for FHA and VA…

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…

Credit Disputes During The Mortgage Process
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Credit Disputes During The Mortgage Loan Process

ByGustan Cho
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Apply Now This article will cover the mortgage guidelines for credit disputes during the mortgage loan process. Credit disputes during the mortgage process are not allowed on non-medical collections and derogatory credit tradelines. The reason for credit disputes from consumers is to dispute derogatory credit tradelines in the hopes of getting them removed by the…

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 on Income and Employment Gaps
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FHA Guidelines on Income and Employment Gaps

ByGustan Cho
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Get a Fast Quote: Click Here This blog will discuss and cover FHA guidelines on income and employment gaps. We will detail the FHA guidelines on income and employment gaps for homebuyers. Homebuyers do not need to be employed in the same job for the past two years to qualify for FHA loans. FHA guidelines…

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…

FHA Manual Underwriting DTI Guidelines
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FHA Manual Underwriting DTI Guidelines on FHA Loans

ByGustan Cho
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Apply Now In this article, we will cover FHA manual underwriting DTI guidelines on FHA loans. FHA and VA loans are the only two mortgage loan programs that allow manual underwriting on home mortgages. Manual Underwriting is when a human mortgage underwriter will underwrite a file if the file renders a refer/eligible per automated underwriting…

FHA Credit Requirements
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FHA Credit Requirements Per HUD Guidelines For AUS Approval

ByGustan Cho
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  In this blog, we will discuss and cover the minimum FHA credit requirements per HUD guidelines to get approve/eligible per the automated underwriting system (AUS). FHA loans are the most popular mortgage loan option for first-time homebuyers with little to no credit tradelines, borrowers with low credit scores, high debt-to-income ratios, and borrowers with…

Manual Underwriting Guidelines With Late Payments
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Manual Underwriting Guidelines With Late Payments

ByAlec Finn
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Apply Now This Article Is About Manual Underwriting Guidelines With Late Payments: FHA and VA loans are the only two mortgage loan programs that allow for manual underwriting. Manual underwriting is when a borrower cannot get an approve/eligible per automated underwriting system. The file needs to be manually underwritten to a human underwriter. The borrower’s…

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…