GCA Mortgage Group

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Non-QM Mortgage Brokers, Inc. Experts In Non-QM and Alternative Mortgage Loan Programs on Primary and Second Homes, and Investment

Gustan Cho Associates has no lender overlays on government and conventional loans. Each lender can have its own lender overlays. One lender may have lender overlays on credit scores but not a debt to income ratio and a different lender can have overlays on DTI but not credit scores. There are a few lenders that claim they have zero overlays.

For homebuyers who need to qualify for FHA, VA, USDA, and conventional loans with a lender with no overlays on government and conventional loans, please contact us at Gustan Cho Associates at 1-262-716-8151 or text us for a faster response. Or email us at [email protected]. The team at Gustan Cho Associates is available 7 days a week, on evenings, weekends, and holidays.

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*Gustan Cho Associates is licensed in 48 states! Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage.*



https://gustancho.com/mortgage-loan-programs-with-no-overlays

Mortgage Loan Programs With No Overlays and 30 Day Closings If you have open collections, high DTI, recent late payments you need to go with a lender that has mortgage loan programs with no overlays

When it comes to mortgage guidelines, there are two types of mortgage lending requirements:
1. Minimum Mortgage Guidelines from Loan Programs (FHA, VA, USDA, FANNIE, FREDDIE)
2. Lender Overlays - separate lending guidelines mandated by each individual lender

For homebuyers who need to qualify for FHA, VA, USDA, and conventional loans with a lender with no overlays on government and conventional loans, please contact us at Gustan Cho Associates at 1-262-716-8151 or text us for a faster response. Or email us at [email protected]. The team at Gustan Cho Associates is available 7 days a week, on evenings, weekends, and holidays.

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*Gustan Cho Associates is licensed in 48 states! Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage.*

https://gustancho.com/what-are-lender-overlays

What Are Lender Overlays Versus Mortgage Agency Guidelines What Are Lender Overlays: Lender overlays are additional lending guidelines imposed by lenders that is above and beyond the agency guidelines

FHA loans are the most popular loan program for borrowers with credit scores down to 500 FICO and bad credit. Borrowers with outstanding collections and charged off accounts can qualify for FHA loans without having to pay outstanding balance. There are many techniques the team at Gustan Cho Associates can help homebuyers with bad credit on how to prepare for an FHA loan with competitive mortgage rates. Know more in the article below.

INTERESTED TO BUY A HOME? Contact the Gustan Cho Team at 262-716-8151 or send a message through Messenger for a faster response. Or write to us at [email protected]. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧

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*Gustan Cho Associates is licensed in 48 states! Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage.*

https://gustancho.com/how-to-prepare-for-an-fha-loan

How To Prepare For An FHA Loan With Bad Credit The best way on how to prepare for an FHA loan with bad credit is to pay down credit card balances, dispute medical collections, and add new credit

Many lenders have added strict credit score requirements to their mortgage products such as VA loans. Technically, there is not a minimum qualifying credit score for a VA mortgage loan, there are strict payment history requirements, but many lenders require a 620 or even a 640 credit score to utilize a VA mortgage loan. Once again, this is not a guideline, but this is an overlay. The same is true when it comes to debt-to-income ratios. Technically, with an FHA mortgage loan, you can stretch the backend debt to income as high as 56.99%. Numerous lenders will not allow you to go above a debt-to-income ratio of 49.99% as a company overlay.

✅ WE CAN HELP YOU! Contact the Gustan Cho Team at 262-716-8151 or through messenger for a faster response.
We are available 7 days a week, in the evening, on weekends and holidays 📱 📧

Low Credit Score Loans, Mortgages | 2022 Why Do Lenders Have Overlays on VA Loans?Many lenders have added strict credit score requirements to their mortgage products such as VA loans. Technically, t...

Despite of the economy's current situation and possible changes in the near future, it is never too late to buy a home. There's a lot of homes for supply compared to the demand as of this moment. In this video, we will discuss the current situation of the housing market.

INTERESTED TO BUY A HOME? Contact the Gustan Cho Team at 262-716-8151 or send a text message or contact us through messenger for a faster response. Or write to us at [email protected]. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧

Gustan Cho Associates is licensed in 48 states! Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage.



https://www.youtube.com/watch?v=LYQgJlwKskc&t=45s

Housing Supply Despite of the economy's current situation and possible changes in the near future, it is never too late to buy a home. There's a lot of homes for supply com...

Thanks to alternative lending mortgage options, homebuyers who could not qualify for government and/or conventional loans can now qualify for specialty non-conforming mortgage loans. Read the article below to know who qualifies for such loans and how to apply.



INTERESTED TO BUY A HOME? Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at [email protected]. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧

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*Gustan Cho Associates is licensed in 48 states! Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage.*

https://gustancho.com/alternative-lending

Alternative Lending Mortgages And Non-QM Loan Options Alternative Lending And Non-QM Mortgage Lenders offer NO-DOC Loans, P and L Stated Income, DCSR, bank statement loans

Credit scores are very important in the mortgage application process. It determines if you qualify for a mortgage or not. Read the article below to know how lenders use credit scores to qualify borrowers.



INTERESTED TO BUY A HOME? Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at [email protected]. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧

❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️
https://gustancho.com/fast-quote

*Gustan Cho Associates is licensed in 48 states! Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage.*

https://gustancho.com/mortgage-credit-scores

Mortgage Credit Scores Used By Lenders To Qualify Borrowers Gustan Cho offers advice about credit scoring! Mortgage credit scores is always the middle score of the three credit reporting agency.

Private Money Loans are loans funded by Lenders to real estate investors who need funding quickly. They are also known as short term commercial hard money lender. In this article, we will know who benefits in this type of loan and how to apply for one. If you are interested, feel free to reach out!



INTERESTED TO BUY A HOME? Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at [email protected]. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧

❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️
https://gustancho.com/fast-quote

*Gustan Cho Associates is licensed in 48 states! Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage.*

https://gustancho.com/private-money-loans

Private Money Loans For Real Estate Investors Private Money Loans are short term bridge loans for real estate investors and rehabbers. Fast closings, limited docs but large down payment

Lender credit is when the lender will give credit to a borrower to cover part, most, or all of the closing costs. Read the article below to understand more about lender credit and how it works in the mortgage process.



INTERESTED TO BUY A HOME? Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at [email protected]. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧

❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️
https://gustancho.com/fast-quote

*Gustan Cho Associates is licensed in 48 states! Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage.*

https://gustancho.com/what-is-a-lender-credit

What Is A Lender Credit For Home Purchase Closing Costs What Is A Lender Credit: If homebuyers are short of covering closings costs, the lender can give a lender credit in lieu of a higher mortgage rates

Do you need reserve cash or funds to fix your house? Worried about recession? Now is the best time to get a Cash Out Refinance! Watch this video to know more.

INTERESTED TO BUY A HOME? Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at [email protected]. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧

❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️
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*Gustan Cho Associates is licensed in 48 states! Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage.*

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Cash out refinance mortgages - Housing Market INTERESTED TO BUY A HOME? Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at [email protected]. ...

Home buyers usually get confused when they shop for rates and mortgage lenders provide different quotations. Mortgage lenders determine rates based on how much risk they have. Buyers should be aware of how lenders determine rates before buying a new home. Know more from this article.



INTERESTED TO BUY A HOME? Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at [email protected]. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧

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https://gustancho.com/fast-quote

*Gustan Cho Associates is licensed in 48 states! Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage.*

https://gustancho.com/how-mortgage-lenders-determine-interest-rates

How Mortgage Lenders Determine Interest Rates How mortgage lenders determine mortgage rates is based on risk with pricing adjustments (LLPA). Credit score, LTV, Home Type affect rates

Lender overlays on FHA loans are additional mortgage guidelines above the minimum agency HUD guidelines. We will understand more about what FHA lender overlays are and their importance in the article below.



INTERESTED TO BUY A HOME? Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at [email protected]. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧

❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️
https://gustancho.com/fast-quote

*Gustan Cho Associates is licensed in 48 states! Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage.*

https://gustancho.com/fha-lender-overlays

What Are FHA Lender Overlays Imposed By Mortgage Lenders FHA Lender Overlays are guidelines imposed by lenders that is above and beyond those of HUD Lending Guidelines on FHA home loans