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Gustan Cho Associates
  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • FHA Streamline Refinance
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
    • FHA Home LoansExpand
      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines
      • FHA Loans For Bad Credit
      • FHA Loans For Low Credit Scores
      • FHA Collections
      • FHA Loans Charged Off Accounts
      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
      • FHA Loan With Judgment
    • VA Home LoansExpand
      • VA Manual Underwriting
      • VA Chapter 13 Bankruptcy Guidelines
      • VA Loans For Bad Credit
      • VA Loans For Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loans with Tax Lien
      • VA Loan with Judgment
    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condotel Financing
    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
    • Commercial Loans
  • CareersExpand
    • Can Realtors Be MLOs At The Same Time
    • Career OpportunitiesExpand
      • Training a New Mortgage Loan Officer Without Any Experience
      • MLO License School
    • Mortgage Branch Careers
    • Remote Mortgage Loan Officer Career Opportunities
    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
  • Videos
  • BlogsExpand
    • Headline News Archives
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

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Home / Mortgage & Real Estate News
Refinancing NON-QM Loans
Videos | Conventional Loans | FHA Loans | NON-QM Loans | Refinancing | video

Refinancing NON-QM Loans To Traditional Mortgages

ByGustan Cho Posted onJuly 1, 2025July 1, 2025

Refinancing Non-QM Loans: How to Lower Your Rate and Save More If you took out a Non-QM loan to buy…

Continue Reading Refinancing NON-QM Loans To Traditional MortgagesContinue

Funds required for first-time home buyer on a home purchase
Home Purchase

Funds Required For First-Time Home Buyer on a Purchase

ByGustan Cho Posted onJuly 1, 2025July 1, 2025

This guide covers the funds required for first-time home buyer on a home purchase. Are you a first-time home buyer?…

Continue Reading Funds Required For First-Time Home Buyer on a PurchaseContinue

Escrow Hold Back
Mortgage Processing And Underwriting | Clear To Close | Home Purchase | Home Sellers | Real Estate Topic | Videos

Escrow Hold Back For Home Repairs

ByGustan Cho Posted onJuly 1, 2025July 1, 2025

This article will cover what escrow hold back is in the mortgage loan process. We will discuss escrow hold back…

Continue Reading Escrow Hold Back For Home RepairsContinue

Understanding VA Mortgage Rates
VA Loans | Mortgage Lender Overlays | Mortgage Rates | Videos

Understanding VA Mortgage Rates And LLPA

ByGustan Cho Posted onJuly 1, 2025July 1, 2025

This Article Is About Understanding VA Mortgage Rates And Loan Level Pricing Adjustments VA loans are the best home mortgage…

Continue Reading Understanding VA Mortgage Rates And LLPAContinue

Clear-to-Close on FHA Loans
Clear To Close | Conditional Loan Approval | FHA Loans | Videos

What Does a Clear-to-Close on FHA Loans Mean?

ByAnngelli Abenes Posted onJuly 1, 2025July 1, 2025

This guide covers what a clear-to-close on FHA loans means. What does a clear-to-close on FHA loans mean for borrowers?…

Continue Reading What Does a Clear-to-Close on FHA Loans Mean?Continue

DTI Manual Underwriting Guidelines
Manual Underwriting | Compensating Factors | FHA Loans | High Debt To Income Ratio | VA Loans | Verification Of Rent | Videos

DTI Manual Underwriting Guidelines on FHA and VA Loans

ByAlex Carlucci Posted onJuly 1, 2025July 1, 2025

Understanding DTI Manual Underwriting Guidelines for FHA, VA, Non-QM, and Alternative Loans (2025 Update) Debt-to-income (DTI) manual underwriting guidelines are…

Continue Reading DTI Manual Underwriting Guidelines on FHA and VA LoansContinue

FHA Loans After Unemployment
Gaps In Employment | FHA Loans | Income And Employment | Videos

FHA Loans After Unemployment Mortgage Guidelines

ByGustan Cho Posted onJune 30, 2025June 30, 2025

This blog examines the eligibility requirements for FHA loans after unemployment or employment gaps. Prospective FHA loan applicants now have…

Continue Reading FHA Loans After Unemployment Mortgage GuidelinesContinue

Manual Underwriting With Late Payments Mortgage Guidelines
Videos | Manual Underwriting

Manual Underwriting With Late Payments Mortgage Guidelines

ByAlex Carlucci Posted onJune 30, 2025July 1, 2025

Can You Qualify For Manual Underwriting With Late Payments? VA and FHA allow manual underwriting for borrowers who cannot get an approve/eligible per automated underwriting system.

Continue Reading Manual Underwriting With Late Payments Mortgage GuidelinesContinue

FHA Debt-To-Income Ratio Requirements
High Debt To Income Ratio | FHA Loans | Mortgage Lender Overlays | Videos

FHA Debt-To-Income Ratio Requirements

ByGustan Cho Posted onJune 30, 2025July 1, 2025

FHA Debt-To-Income Ratio Requirements: What You Need to Know If you’re applying for an FHA loan, one of the most…

Continue Reading FHA Debt-To-Income Ratio RequirementsContinue

The Role Of The Loan Officer Assistant
Mortgage Processing And Underwriting | Videos

The Role Of The Loan Officer Assistant In Mortgage Process

ByAlex Carlucci Posted onJune 30, 2025June 30, 2025

The Role of the Loan Officer Assistant: How They Help You Get a Mortgage Buying a home or refinancing can…

Continue Reading The Role Of The Loan Officer Assistant In Mortgage ProcessContinue

How Holidays Affects The Mortgage Process
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Regulations | Videos

How Holidays Affect The Mortgage Process and Closings

ByMargarett Jurilla Posted onJune 30, 2025July 1, 2025

How Holidays Affect the Mortgage Process: What Every Homebuyer Should Know Buying a home is one of the most significant…

Continue Reading How Holidays Affect The Mortgage Process and ClosingsContinue

Manual Downgrade From AUS Approval
FHA Loans | Automated Underwriting System | Manual Underwriting | Videos

Manual Downgrade From AUS Approval on FHA Loans

ByAnngelli Abenes Posted onJune 27, 2025June 30, 2025

Manual Downgrade from AUS Approval: What It Means and How to Get a Mortgage in 2025 Getting a mortgage can…

Continue Reading Manual Downgrade From AUS Approval on FHA LoansContinue

Mortgage Guidelines After High School
Income And Employment | FHA Loans | Student Loans | USDA Loans | VA Loans | Videos

Mortgage Guidelines After High School Without Experience

ByAnngelli Abenes Posted onJune 27, 2025June 30, 2025

Mortgage Guidelines After High School: How to Qualify for a Home Loan Buying a home is a big dream for…

Continue Reading Mortgage Guidelines After High School Without ExperienceContinue

Mortgage Guidelines on Late Payments
Bad Credit Mortgages | FHA Loans | Mortgage With Late Payments | NON-QM Loans | Videos

Learn Mortgage Guidelines on Late Payments Today

ByAlex Carlucci Posted onJune 27, 2025June 30, 2025

Mortgage Guidelines on Late Payments: How to Qualify for a Home Loan Despite Credit Challenges Life happens. Unexpected events like…

Continue Reading Learn Mortgage Guidelines on Late Payments TodayContinue

Last-Minute Mortgage Denial
Mortgage Processing And Underwriting | Videos

Reasons For Last-Minute Mortgage Denial From Underwriters

ByGustan Cho Posted onJune 27, 2025June 30, 2025

There is no reason why a pre-approved borrower should ever get a last-minute mortgage denial by a mortgage underwriter. The main reason why borrowers get a last-minute mortgage

Continue Reading Reasons For Last-Minute Mortgage Denial From UnderwritersContinue

Mortgage Approval For Home Purchase on Acreage
Home Mortgages | Home Purchase | Real Estate Topic | Videos

Mortgage Approval For Home Purchase on Acreage

ByGustan Cho Posted onJune 27, 2025June 27, 2025

In this blog, we will cover and discuss qualifying and getting a mortgage approval for home purchase on acreage in…

Continue Reading Mortgage Approval For Home Purchase on AcreageContinue

FHA Loan with Recent Late Payments
Bad Credit Mortgages | FHA Loans | Manual Underwriting | Mortgage With Late Payments | Videos

FHA Loan With Recent Late Payments in the Past 12 Months

ByGustan Cho Posted onJune 26, 2025June 26, 2025

FHA Loan with Recent Late Payments: A Guide to Qualifying Suppose you’ve had recent late payments on your credit report….

Continue Reading FHA Loan With Recent Late Payments in the Past 12 MonthsContinue

Appraisal Transfer Policy
Appraisal | First Time Home Buyers | Videos

Appraisal Transfer Policy From One Lender To Another

ByGustan Cho Posted onJune 26, 2025June 27, 2025

Appraisal Transfer Policy: How to Transfer a Home Appraisal to a New Lender If you’re changing mortgage lenders and have…

Continue Reading Appraisal Transfer Policy From One Lender To AnotherContinue

Closing Mortgage Under LLC
Real Estate Topic

Smart Investors are Closing Mortgage Under LLC—Here’s Why

ByDale Elenteny Posted onJune 26, 2025June 27, 2025

Closing Mortgage Under LLC: How Real Estate Investors Can Use an LLC to Get a Mortgage Are you a real…

Continue Reading Smart Investors are Closing Mortgage Under LLC—Here’s WhyContinue

Social Security Income for Mortgage
Income And Employment

Social Security Income For Mortgage Lending Guidelines

ByDale Elenteny Posted onJune 24, 2025June 25, 2025

Social Security Income for Mortgage: How to Use It to Buy a Home If you’re living on Social Security income…

Continue Reading Social Security Income For Mortgage Lending GuidelinesContinue

Overdrafts in Bank Statements
Mortgage Processing And Underwriting | Videos

How Underwriters View Overdrafts in Bank Statements

ByGustan Cho Posted onJune 23, 2025June 23, 2025

Most mortgage lenders really don’t like seeing overdrafts in bank statements. If they spot an overdraft, it can make them…

Continue Reading How Underwriters View Overdrafts in Bank StatementsContinue

Credit Requirements
Home Mortgages | Conventional Loans | Credit Scores | FHA Loans | NON-QM Loans | VA Loans

Credit Requirements Needed To Get Approved For A Mortgage

ByAlex Carlucci Posted onJune 20, 2025June 23, 2025

Credit Requirements: What You Need to Know to Get a Mortgage If you’re planning to buy a home, one of…

Continue Reading Credit Requirements Needed To Get Approved For A MortgageContinue

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About Us

Gustan Cho Associates are Mortgage Advisor licensed in 48 states including Washington DC, Puerto Rico, and the U.S Virgin Islands (Not licensed in NY and MA). The team at Gustan Cho Associates has a national reputation of being able to do mortgage loans other mortgage companies cannot do. Gustan Cho Associates dba of NEXA Mortgage has a lending partnerships with over 190 wholesale mortgage lenders with dozens of no overlay lending partners on government and conventional loans and countless non-QM and alternative lending partners. Over 80% of our clients are borrowers who could not qualify at other mortgage companies either due to a last-minute mortgage loan denial due to lender overlays or because the lender did not have the mortgage loan program suited for the borrower. At Gustan Cho Associates, we only market mortgage loan products that exists and are possible.

Recent Articles

  • Refinancing NON-QM Loans
    Refinancing NON-QM Loans To Traditional MortgagesJuly 1, 2025
  • Funds required for first-time home buyer on a home purchase
    Funds Required For First-Time Home Buyer on a PurchaseJuly 1, 2025
  • Escrow Hold Back
    Escrow Hold Back For Home RepairsJuly 1, 2025
  • Understanding VA Mortgage Rates
    Understanding VA Mortgage Rates And LLPAJuly 1, 2025

DTI Calculators

  • FHA DTI Calculator
  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo DTI Calculator
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  • Conforming Loan Limits

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Resources

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Equal Housing Opportunity Lender Gustan Cho Associates empowered by NEXA Mortgage LLC. NMLS# 1660690,
Corporate Address: 5559 S Sossaman Rd | Bldg 1 #101, Mesa, AZ 85212 Company NMLS 1660690, Gustan Cho NMLS #873293 Company State License #: AZMB - 0944059, Branch: 17W662 Butterfield Road Suite 305 Oakbrook Terrace, Illinois 60181 Branch NMLS 2315275 AXEN is a dba of NEXA Mortgage LLC
DISCLAIMER: The author(s) contributing content to this site, accept no liability or responsibility for errors, omissions or changes in market conditions that may impact the readers' conclusions drawn or assumptions related to the content of this site. The copywritten© information contained on this site is provided on an "as is" basis, at the time of publication, without guarantees of timeliness, thoroughness, accuracy, or usefulness to the consumer. The content on this site does not constitute financial or professional advice of any kind, and readers are encouraged to consult their own professional advisors for professional advice.
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CALL NOW
  • About Us
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan Limits
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner Network
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of Mortgages
    • Purchase
      • Home Purchase Loans
      • Investment Property Loan
    • Refinance
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • FHA Streamline Refinance
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
    • FHA Home Loans
      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines
      • FHA Loans For Bad Credit
      • FHA Loans For Low Credit Scores
      • FHA Collections
      • FHA Loans Charged Off Accounts
      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
      • FHA Loan With Judgment
    • VA Home Loans
      • VA Manual Underwriting
      • VA Chapter 13 Bankruptcy Guidelines
      • VA Loans For Bad Credit
      • VA Loans For Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loans with Tax Lien
      • VA Loan with Judgment
    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional Loans
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condotel Financing
    • NON-QM Loans
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
    • Commercial Loans
  • Careers
    • Can Realtors Be MLOs At The Same Time
    • Career Opportunities
      • Training a New Mortgage Loan Officer Without Any Experience
      • MLO License School
    • Mortgage Branch Careers
    • Remote Mortgage Loan Officer Career Opportunities
    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
  • Videos
  • Blogs
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer
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