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Email Us: contact@gustancho.com
This guide covers how seller concessions work for buyers and sellers. Most clients at Gustan Cho Associates do not pay closing costs out of pocket. Closing costs are normally paid for with a seller concession by the home seller. Each home mortgage program has its cap on the maximum seller concession the home seller can…
This guide covers qualifying for a mortgage after bankruptcy and foreclosure on government and conventional loans. Homebuyers can qualify for a mortgage after bankruptcy and foreclosure after the mandatory waiting period requirements. Homebuyers with prior bankruptcy, foreclosure, deed-in-lieu of foreclosure, or a short sale are eligible to buy a home again with FHA, VA, USDA,…
This article covers mortgage after home purchase. Many folks need mortgage refinancing after they purchase their home. There are various reasons why they seek a refinance mortgage after closing on their home. In this section, we will cover the reasons why some homeowners need to do a mortgage refinancing as soon as possible. There are…
This guide covers how to buy a foreclosed home. We will discuss how to buy a foreclosed home for first-time homebuyers. We will cover the pros and cons of buying a home that has been foreclosed or is going through foreclosure. Foreclosed homes are often sold at a discount, making them attractive to homebuyers looking…
This guide covers how the mortgage underwriting process works. If you are planning to buy a house and need a loan, you must go through the mortgage underwriting process called underwriting. Alex Carlucci, a senior loan officer at Gustan Cho Associates, explains how the mortgage underwriting process works as follows: Mortgage underwriters will check your…
This article will cover how to get approved for a mortgage after bankruptcy. Homebuyers can qualify for a mortgage after bankruptcy. Dale Elenteny, a senior loan officer and expert in helping borrowers obtain a mortgage after bankruptcy at Gustan Cho Associates, explains about qualifying for a mortgage after bankruptcy as follows: Government and Conventional mortgage…
Today we will discuss tips on how do I buy a house for sale by owner and what you need to know. The listing or buying a house available “By Owner” can yield savings if you can negotiate a lower price because the seller isn’t paying any commission. The Ronda Butts team at Gustan Cho…
This guide covers qualifying and getting approved for FHA W2-income-only mortgages without income tax returns. Each one of us always has a dream of owning a place we can call our own. However, today, the desire to possess such a place can easily be thwarted by the challenges of meeting stringent income verification requirements, usually…
This guide covers buying a house in Sarasota Florida, for first-time homebuyers. Located on the southwestern coast of Florida, Sarasota County is renowned for its stunning beaches, vibrant arts scene, and thriving economy. With a rich cultural heritage and abundant recreational opportunities, the county attracts residents and visitors alike. This article on buying a house…
This article will cover down payment assistance for homebuyers. The team at Gustan Cho Associates gets many first-time homebuyers inquiring about down payment assistance for homebuyers. Many homebuyers can easily afford the monthly principal, interest, tax, and insurance (PITI) but struggle with the down payment and closing costs. Many homebuyers do not know that HUD…
Home renovation mortgage loans have many benefits during a hot housing market. Many homeowners considering upgrading their homes have difficulty during a seller’s market where rates are over 7% with out-of-control inflation and low housing inventory. Why not renovate your home instead of selling and buying another home? If you don’t have the cash on…
This guide will cover buying beachfront homes in California. Catch a Wave and Settle Down: The Best Coastal Towns in California for Surfers. Surfing is more than just a sport; it’s a way of life. Where better to embrace the surfing culture than in California, home to some of the best coastal towns for surfers?…