Gustan Cho Associates

Ever wonder why getting a mortgage feels like an uphill battle? In this video, we dive into the Mortgage Underwriting process, addressing the pain points that often leave homebuyers frustrated. Uncover insights into how lenders assess your financial history, creditworthiness, and more. Gain clarity on what it takes to move from uncertainty to homeownership. Don't let the mortgage process be a mystery any longer. Watch the replay of our Facebook live session about the mortgage underwriting process now! 💡Ready to start your homeownership journey? Contact us at (800) 900-8569 or (630) 915-7550! Connect with us today for expert advice and updates! FB: https://www.facebook.com/GustanChoLoans IG: https://www.instagram.com/chogustan Tiktok: https://www.tiktok.com/@gustanchoassociates Join our forum to stay informed, and engaged, and be part of our financial family! https://forum.gustanchoassociates.com/

Did you miss our insightful Facebook Live session on 5% down multi-units? Catch the replay now! Dive into the world of real estate investment, learning how to leverage minimal capital for maximum returns. Discover new updates, strategies, tips, and insider knowledge on investing in multifamily properties with just a 5% down payment. Tune in to the replay now!

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 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. 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. Follow us on Facebook! https://www.facebook.com/TheGustanCho... #mortgage #dreamhome #homeloans #mortgagerates #getahomenow #lender #homebuyers #realestate #housingmarket

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 contact@gustancho.com. 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.* Follow us on Facebook! https://www.facebook.com/TheGustanChoTeam #mortgage #dreamhome #homeloans #mortgagerates #getahomenow #lender #homebuyers #cashoutrefinance

❗️❗️✅✅✅ 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.*

Unfortunately, inflation corresponds to a reduction in purchasing power. Meaning your dollar will no longer buy the same amount of goods or services. If you have tried to make any major purchase over the last few months, you are more than likely running into extreme inflation. Compared to just one year ago, the price of food has increased by over 10%. If you are shopping for a vehicle, you can expect to pay approximately 14% more compared to last year. **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.** #inflation #homeprices #houaingmarket #inflationworld #economycrisis

What Is Overlay on VA Loan? Mortgage lenders can add additional mortgage guidelines above and beyond the minimum agency mortgage guidelines from the Veterans Administration called lender overlays on VA home loans. VA does not have a minimum credit score requirement but most lenders will require a minimum credit score requirement on VA loans. Gustan Cho Associates has no lender overlays on VA loans and a lot of GCA Mortgage clients have credit scores down to 500 FICO scores whereas other lenders will require a 620 FICO or higher. Another common example of VA lender overlays is debt-to-income ratio overlays. VA does not require a maximum debt-to-income ratio requirement. However, most lenders will have overlays on the debt-to-income ratio on DTI at 45% to 50%. Decided yet? LET US HELP YOU! Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. 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.*** #valoans #minimumcreditscore #debttoincomeratio #overlay #homeloans

Decided yet? LET US HELP YOU! Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. 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.***

How do Mortgage Underwriters Calculate Debt-To-Income Ratio? There are two types of debt-to-income ratios. The front-end debt to income ratio, also called the housing ratio, is your total monthly housing payment divided by your gross monthly pre-taxed income. Your back-end debt-to-income ratio is calculated by adding your housing payment plus the sum of all of your monthly minimum payments and dividing it by your monthly gross pre-taxed income. Read more on https://gustancho.com/best-mortgage-calculator Decided yet? LET US HELP YOU! Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. 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.*** #debttoincomeratios #mortgage #mortgagecalculator #mortgagerates #homeloans #dreamhome #ownhouse #knowledge

How To Use The Best Mortgage Calculator Powered By GCA? This best mortgage calculator powered by Gustan Cho Associates is the best mortgage approval calculator designed and created by Alex Carlucci at Gustan Cho Associates because of a need to have a comprehensive accurate housing payment calculator. Most mortgage online calculators in the market only give you principal and interest and not the overall estimated total monthly housing payment. What good is it if you do not know your total housing payment and only know part of it? Read more on https://gustancho.com/best-mortgage-calculator Decided yet? LET US HELP YOU! Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. 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.*** #mortgagecalculator #mortgage #mortgagerates #mortgagepayment #mortgageinsurance #mortgagetaxes #dreamhome #homeloans

What are the qualifications and requirements for applying for a mortgage as a self-employed person? Check out this video to know more! With bonus tips to successfully get one. ;) Decided yet? LET US HELP YOU! Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. 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.*** #howtobuyahome #mortgage #mortgageloans #mortgagerates #selfemployed #dreamhome #loanapproval

Do you have Chapter 13 issues? Do you feel that buying a house is an impossible dream? Worry no more! We have a solution! 💪 LET US HELP YOU! Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. 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.*** #mortgage #bankruptcy #chapter13 #homesweethome #closedeal #homeloans #badcredit #mortgagetips #dreamhome #housingmarket #mortgageloans #homebuyers #closingcosts #closingmortgage

What assets are allowed to seal the deal? Find out with Alex Carlucci and Gustan Cho Associates! One of the main problems in applying for mortgages is the money used for closing. LET US HELP YOU! Contact the Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. 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.*** #mortgage #homesweethome #closedeal #homeloans #badcredit #mortgagetips #dreamhome #housingmarket

Buying a home in Mississippi with bad credit with 580 FICO scores. We can help you buy a home in Mississippi with bad credit with lower credit scores. Gustan Cho Associates is licensed in 48 states and has a large presence in Mississippi. Apply NOW with Gustan Cho Associates and leave it to us to qualify you and get you approved for a mortgage. ✅ Buying Home In Mississippi With Bad Credit During Surging Housing Market The housing market in Mississippi is booming. Mississippi has one of the most affordable housing markets. The state also has lower property taxes and cost of living. Many home buyers who are priced out of the market in Florida, Texas and other states are looking at buying a home in Mississippi. Real estate experts are confident that the Mississippi housing markets will be good for both home buyers and sellers in 2021. This holds true despite high mortgage rates and the shortage of affordable housing in the $200,000 to $300,000 price range. In this article, we will discuss and cover buying a home in Mississippi with bad credit with a lender with no lender overlays on government and conventional loans. Read more: https://gustancho.com/buying-home-in-mississippi-with-bad-credit ✅ The Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧 ❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️ https://gustancho.com/fast-quote #housingmarket # conventionalloans #governmentloans #buyinghome #badcredit #580ficoscore #ficoscore #mortgage #mortgageloans #housingevent #mortgagerates #foreclosure #bankruptcy

Is your goal for 2022 to buy a home of your own? #1 Automate your down payment savings Saving for a down payment is often one of the biggest barriers to homeownership cited in surveys. One way to jump-start your savings is to automate your checking account to automatically save a small amount of your paycheck into a separate savings account or "house fund" #2 Build your credit history & keep it clean When you go to apply for a mortgage, lenders will want to see that you have been able to pay off past debts. This means staying on top of your student loans, credit cards, and card loans paying them on time! #3 Practice living on a budget Downsizing your spending now will allow you to save more for your down payment & pay down other debts to improve your credit score. A recent study showed that "95% of first-time buyers were willing to make sacrifices to buy their home faster". ✅ The Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧 ❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️ https://gustancho.com/fast-quote #mortgagehome #homeloans #dreamhome #mortgageloans #downpayment #creditscore #creditcards #studentloans #debts #savingsmoney

FAQ question we get often at Gustan Cho Associates Can I Buy House With Under 600 FICO in Connecticut. The answer is a definite YES. Not all lenders in Connecticut have the same mortgage requirements on government and conventional loans. FHA loans are the most popular mortgage loan program in the United States. Homebuyers can qualify for a 3.5% FHA-insured loan with a 580 credit score in Connecticut. In this article, we will answer the question of can I buy a house with under 600 FICO in Connecticut. Homebuyers can qualify for FHA loans in Connecticut with the following: ✅ Low Credit Scores ✅ Low Down Payment ✅ Outstanding Collections ✅ Outstanding Charge Offs ✅ Late Payments ✅ 2 Years After Chapter 7 Bankruptcy discharged date ✅ Home Buyers Can Qualify For FHA Loans One Year Into A Chapter 13 Bankruptcy Repayment Period ✅ There Is No Waiting Period After A Chapter 13 Bankruptcy Discharged Date To Qualify For A FHA Mortgage ✅ Outstanding Judgments And Tax Liens With A Written Payment Agreement And Three Months Of Payments To IRS And/Or Judgment Creditor ✅ Three Years After The Recorded Date Of Foreclosure Or Deed In Lieu Of Foreclosure ✅ Three Years After Short Sale Date ✅ The Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧 ❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️ https://gustancho.com/fast-quote #buyahouse #creditscore #badcredit #600fico #connecticut # latepayments #lowcreditscore #fhamortgage #mortgage #foreclosure #chapter13bankruptcy #qualifyforamortgage

How homebuyers can qualify for a mortgage with new lenders after having a mortgage denied for late payments in Missouri after being pre-approved by a loan officer. Late payments in the past 12 months are very serious. Many borrowers will get a mortgage denied for late payments in Missouri. However, being late in the past 12 months is not always a deal killer. Over 75% of our borrowers at Gustan Cho Associates are borrowers who could not qualify at other lenders due to last-minute loan denial, stress during the mortgage process, or due to lender overlays. ✅ Maximizing Credit Scores Can Get You Lower Rates It is a fact you will save money with a higher credit score over the life of the loan. However, if your credit score is lower than you would like, obtaining a mortgage is a great way to raise your credit score. Once your credit score is raised, you can always refinance your FHA mortgage loan into a lower interest rate, depending on market conditions. Having a mortgage report on your credit report (with ON-TIME payments) will increase your credit score. ✅ The Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧 ❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️ https://gustancho.com/fast-quote #creditscore #mortgage #mortgagedenied #latepayments #mortgageapproved #missouri #fhaloans #lenderoverlays #mortgageprograms #lowerrates

Do you want to own a property but worrying much about your bad credit or low credit score? Here at Gustan Cho Associates, we can help you! APPLY NOW! https://gustancho.com/fast-quote #Shorts Subscribe also to our Youtube Channel: GCA - Mortgage Bankers

✅ The Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧 ❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️ https://gustancho.com/fast-quote

✅ The Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧 ❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️ https://gustancho.com/fast-quote #lowcredit #lowcreditscore #creditscore #cashoutrefinance #mortgage

Government and Conventional loans offer cash-out refinance mortgage loan programs. Home values have been skyrocketing during the past few years and many homeowners are sitting on substantial equity in their homes. HUD, the parent of FHA allows up to an 80% LTV on cash-out refinance on FHA loans. The Department of Veterans Affairs will allow up to a 100% LTV on cash-out refinance on VA loans. Fannie Mae and Freddie Mac allow up to an 80% LTV on cash-out refinance on conventional loans. ✅ Why Cash-Out Refinance Mortgage Loan? ✅ Terms And Rates On Cash-Out Refinance Mortgage Loan ✅ FHA And VA Cash-Out Refinance During Chapter 13 Bankruptcy Repayment Plan ✅ Loan To Value On FHA And VA Cash-Out Refinance During Chapter 13 Bankruptcy Repayment Plan ✅ Cash-Out Refinance Mortgage Loan For Investment Properties ✅ Loan To Value Requirements ✅ The Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧 ❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️ https://gustancho.com/fast-quote #cashoutrefinance #mortgage #refinance2022 #mortgage2022 #mortgagerates #mortgageprograms #fha #valoan #bankruptcy #foreclosure #conventionalloans

Join us LIVE with Gustan Cho on "How Bankruptcy Changed My Life". His success story may encourage you to consider bankruptcy as an option for debt relief. Today, Gustan thrives as a successful entrepreneur in the mortgage industry. Tune in Thursday at 1pm CST to learn how you too can have your own financial success story!

CALL ME NOW📱! Here is how to contact me: ✅ The Gustan Cho Team at 800.900.8569 or send a text message for a faster response. Or write to us at contact@gustancho.com. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧 ❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️ https://gustancho.com/fast-quote #valoans #lowscores #mortgagerates

The Federal Reserve Announcement Decreasing Mortgage Back Securities By 30 billion a month

If you need a Non-QM loan, we are specialists in this field of loans. That is why you need an expert. Call us at Gustan Cho 800.900.8569 or send a text message for a faster response 262.716.8151 Or write to us at contact@gustancho.com. We are available 7 days a week, in the evening, on weekends and holidays 📱 📧 ❗️❗️✅✅✅ APPLY NOW ✅✅✅❗️❗️ https://gustancho.com/fast-quote