Real conversations about mortgages, credit, homebuying, real estate and the situations other lenders may not understand.
Latest reply: Appreciate you, Ken. Let's talk tomorrow or early next week about streamlining how you get together with our borrowers for their homeowners and other…
Latest reply: Great point, Ollie — and the insurance side of it explains why this happens.At pre-approval, the file often carries the seller's prior premium or…
Latest reply: Like to introduce and welcome Allison Hill-Zapata, the President and Founder of The Madigan Group, a five-star nationwide credit and legal advisory and consulting…
Latest reply: Did you know that over 80% of our borrowers at Gustan Cho Associates are folks who could not qualify at other mortgage companies? Gustan…
Latest reply: Federal Reserve Rate Hike Continues to Affect Mortgage MarketsOctober 29, 2026 | GCA Mortgage ForumsThe Fed’s September rate hike continues to affect mortgage rates,…
Latest reply: Excellent breakdown, Lisa. You've highlighted the exact trade-off: Liquidity vs. Leverage. The "peace of mind" factor you mentioned is often underestimated. Having $400k tied…
Latest reply: Debt to income ratio on FHA and VA MANUAL UNDERWRITING is 40% front end and 50% back end with two compensating factors.
Latest reply: The pre-approval process is the most important process in the home buying and mortgage process.
Latest reply: Thank you for raising these concerns. I completely understand why people need to be cautious, given the number of recovery scams out there.My post…
Latest reply: Good morning, Michael,First and foremost, thank you for your service to our country as a United States Navy veteran. Thank you also for reaching…
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