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    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
      • Conforming Loan Limits
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      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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Call or Text: (800) 900-8569

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Author: Alex Carlucci

Home / Alex Carlucci
Mortgage Payment
Home Mortgages

Understanding the Components of the Mortgage Payment

ByAlex Carlucci Posted onJuly 23, 2025July 23, 2025

Understanding what your mortgage payment consists of is very important for homeowners. Most people do not pay in cash for…

Continue Reading Understanding the Components of the Mortgage PaymentContinue

How Does The Federal Reserve Affect Mortgage Rates
Headline News Archives

How Does The Federal Reserve Affect Mortgage Rates

ByAlex Carlucci Posted onJuly 21, 2025July 23, 2025

How Does the Federal Reserve Affect Mortgage Rates? [2025 Guide for Homebuyers] How does the Federal Reserve affect mortgage rates?…

Continue Reading How Does The Federal Reserve Affect Mortgage RatesContinue

How to Choose the Right Internet Lawyer
Bad Credit Mortgages

How to Choose the Right Internet Lawyer

ByAlex Carlucci Posted onJuly 21, 2025July 22, 2025

This article covers everything you need to know about how to choose the right internet lawyer. How do you go…

Continue Reading How to Choose the Right Internet LawyerContinue

How Loan Officers Prepare Borrowers
Home Mortgages

How Loan Officers Prepare Borrowers For Underwriters

ByAlex Carlucci Posted onJuly 21, 2025July 22, 2025

This guide covers how loan officers prepare borrowers for mortgage underwriters. How loan officers prepare borrowers for mortgage underwriters depends…

Continue Reading How Loan Officers Prepare Borrowers For UnderwritersContinue

How to Find a Good Realtor
VA Loans

How to Find a Good Realtor That Can Work Great With Veterans

ByAlex Carlucci Posted onJuly 18, 2025July 21, 2025

This guide covers how to find a good realtor for veterans when buying a house. When you separate from the…

Continue Reading How to Find a Good Realtor That Can Work Great With VeteransContinue

Feds Start Land Seizures
Headline News Archives

Feds Start Land Seizures Along Texas Border To Build Wall

ByAlex Carlucci Posted onJuly 17, 2025July 17, 2025

In this guide, we will cover Feds start land seizures along the Texas border to clear path for new wall. …

Continue Reading Feds Start Land Seizures Along Texas Border To Build WallContinue

Owner Financing on Home Purchase
Home Mortgages

Owner Financing On Home Purchase For Buyers And Sellers

ByAlex Carlucci Posted onJuly 17, 2025July 22, 2025

Owner Financing on Home Purchase: A Simple Guide for Buyers and Sellers If you dream of buying a home but…

Continue Reading Owner Financing On Home Purchase For Buyers And SellersContinue

Self-Employed Mortgage Borrowers
Income And Employment | Bank Statement Loans | NON-QM Loans | Videos

Self-Employed Mortgage Borrowers With No Income Tax Returns

ByAlex Carlucci Posted onJuly 16, 2025July 17, 2025

In this guide, we will cover self-employed mortgage borrowers with no income tax returns required on a home purchase. Many…

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Working With Real Estate Agents
Real Estate Topic

Working With Real Estate Agents Who Are Licensed MLO

ByAlex Carlucci Posted onJuly 16, 2025July 17, 2025

In this blog, we will cover and discuss working with real estate agents who are also NMLS licensed mortgage loan…

Continue Reading Working With Real Estate Agents Who Are Licensed MLOContinue

Buying a House in Iowa
Bad Credit Mortgages

First Time Buying a House in Iowa? Start Here

ByAlex Carlucci Posted onJuly 15, 2025July 17, 2025

Buying a House in Iowa: Everything You Need to Know in 2025 If you are considering buying a house in…

Continue Reading First Time Buying a House in Iowa? Start HereContinue

Refinancing Non-QM To Conforming Loans
NON-QM Loans | Mortgage Rates | Mortgage Refinance | Videos

Refinancing NON-QM To Conforming Loans

ByAlex Carlucci Posted onJuly 14, 2025July 17, 2025

Refinancing Non-QM to Conforming Loans in 2025: A Smart Move for Lower Rates If you have a non-QM loan and…

Continue Reading Refinancing NON-QM To Conforming LoansContinue

Condominium Questionnaire
Condominium Loans | Condotel and Non-Warrantable Condos | NON-QM Loans | Real Estate Topic | Videos

Condominium Questionnaire For Condo Mortgage Loans

ByAlex Carlucci Posted onJuly 14, 2025July 17, 2025

This guide covers condominium questionnaire on warrantable, non-warrantable, and condo hotel condominium units. Warrantable, non-Warrantable and condotel financing are a…

Continue Reading Condominium Questionnaire For Condo Mortgage LoansContinue

Mortgage Interest Rates
Mortgage Rates

Mortgage Interest Rates on Conventional versus FHA Loans

ByAlex Carlucci Posted onJuly 10, 2025July 10, 2025

This guide covers mortgage interest rates on conventional versus FHA loans. Mortgage interest rates on conventional loans are more sensitive…

Continue Reading Mortgage Interest Rates on Conventional versus FHA LoansContinue

Bridge Loans
NON-QM Loans

Bridge Loans For Investment Properties Lending Guidelines

ByAlex Carlucci Posted onJuly 9, 2025July 10, 2025

This guide covers bridge loans for investment properties lending guidelines. Hard money bridge loans are a great tool for real…

Continue Reading Bridge Loans For Investment Properties Lending GuidelinesContinue

Mortgage Payment Structure
Mortgage Processing And Underwriting

How Does A Mortgage Payment Structure Work On Home Loans

ByAlex Carlucci Posted onJuly 8, 2025July 11, 2025

Mortgage Payment Structure Explained: What Every Homebuyer Needs to Know Are you considering buying a home but unsure what a…

Continue Reading How Does A Mortgage Payment Structure Work On Home LoansContinue

Mortgage Rates Florida
Mortgage Rates

Tips And Advice In Getting Lowest Mortgage Rates Florida

ByAlex Carlucci Posted onJuly 8, 2025July 9, 2025

This guide covers tips in getting the lowest mortgage rates Florida. Borrowers who are thinking of getting a mortgage with…

Continue Reading Tips And Advice In Getting Lowest Mortgage Rates FloridaContinue

Condotel Financing Mortgage Guidelines
Condominium Loans

Condotel Financing Mortgage Guidelines

ByAlex Carlucci Posted onJuly 7, 2025July 8, 2025

Condotel Financing Mortgage Guidelines: Your 2024 Guide to Buying or Refinancing a Condotel. If you’ve ever dreamed of owning a…

Continue Reading Condotel Financing Mortgage GuidelinesContinue

How to Get the Lowest Mortgage Rates
Bad Credit Mortgages

How To Get The Lowest Mortgage Rates on Home Loans

ByAlex Carlucci Posted onJuly 2, 2025July 3, 2025

This guide covers how to get the lowest mortgage rates on home loans. Mortgage loan officers who have been in…

Continue Reading How To Get The Lowest Mortgage Rates on Home LoansContinue

Mortgage Rates Rise
Mortgage Rates

Mortgage Rates Rise For 7 Continuous Weeks

ByAlex Carlucci Posted onJuly 2, 2025July 3, 2025

This guide will cover the rise in mortgage rates for seven consecutive weeks with no sign of a correction. Mortgage…

Continue Reading Mortgage Rates Rise For 7 Continuous WeeksContinue

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 8, 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

Yield Spread Premium
Home Mortgages | Videos

Yield Spread Premium Charged By Mortgage Brokers

ByAlex Carlucci Posted onJuly 1, 2025July 3, 2025

Mortgage brokers are paid a commission, referred to as Yield Spread Premium Explained, from wholesale mortgage lenders or end lenders,…

Continue Reading Yield Spread Premium Charged By Mortgage BrokersContinue

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

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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

  • Preparing Credit Profile To Qualify For Mortgage
    Preparing Credit Profile to Qualify for Mortgage QuicklyJuly 23, 2025
  • Buying Home Cash
    Buying Home Cash on a Home Purchase and Refinancing LaterJuly 23, 2025
  • Effective Ways to Finance Your Dream Condo
    Effective Ways To Finance Your Dream Condo For HomebuyersJuly 23, 2025
  • Why Underwriters Issue Denials
    Why Underwriters Issue Denials and What You Can DoJuly 23, 2025

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Resources

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  • How To Un-Freeze a Credit File?
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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