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The 30% utilization rule is a myth

Rapid rescore is not credit repair — here’s the difference

The past-due charge-off mistake I see on mortgage files every week

Congratulations to Belinda Rose

Latest reply: On behalf of GCA Mortgage Forums, congratulations to Belinda Rose of Reno, Nevada, on completing her FHA cash-out refinance.We’re pleased to recognize the teamwork…

Tuesday November 3 2026-The Midterms

The “P&I” Illusion: Why your first mortgage payment will be higher than you thin

Latest reply: I just read Elmoustahyi Abdallah’s post on the GCA Mortgage Forums called 'The P&I Illusion: Why your first mortgage payment will be higher than…

The coming Super El Nino and our CA residents…

Why did the bank reject my mortgage pre-approval even though my salary easily co

Latest reply: This is a masterclass; thank you all. Dustin, your point about "lender overlays" is crucial. Michelle, your breakdown of DTI and the bi-weekly payment…

Illustrative scenario: The mortgage closes. Family’s responsibility continues.

Latest reply: We saw Ken Coury's November 3, 2026 post on the GCA Mortgage Forums about protecting homeowners and their families after closing. Here’s our response…

MLO Training e-Learning: How To Negotiate a Home Before Signing Contract

Latest reply: MLO Training e-Learning: How to Negotiate a Home Before Signing a ContractTraining Topic: Home Purchase Negotiations, Seller Concessions, and Purchase Contract PreparationAudience: Mortgage Loan…