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Gustan Cho Associates
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    • 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
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      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
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      • FHA Manual Underwriting
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      • 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
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      • VA Loan with Judgment
    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
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      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condotel Financing
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      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
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    • Jumbo Mortgage
    • FHA 203K Loans
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

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Author: Alex Carlucci

Home / Alex Carlucci
Understanding The VA Funding Fee
VA Loans | Videos

Understanding The VA Funding Fee and Closing Costs

ByAlex Carlucci Posted onMarch 17, 2025March 19, 2025

Understanding the VA Funding Fee: Your Ultimate Guide for 2025 Navigating a VA loan can seem complicated at first. Understanding…

Continue Reading Understanding The VA Funding Fee and Closing CostsContinue

Why You Should Not Get a 15-Year Fixed-Rate Mortgage
Home Mortgages | Mortgage Rates | Videos

Why You Should Not Get a 15-Year Fixed-Rate Mortgage

ByAlex Carlucci Posted onMarch 5, 2025March 5, 2025

Why You Should Not Get a 15-Year Fixed-Rate Mortgage: Think Twice Before Choosing a 15-year Fixed-Rate Mortgage. If you’re considering…

Continue Reading Why You Should Not Get a 15-Year Fixed-Rate MortgageContinue

Mortgage Charge Offs Lending Guidelines
Bad Credit Mortgages | Charge Off Accounts | Credit Disputes | Videos

Mortgage Charge Offs Lending Guidelines And Requirements

ByAlex Carlucci Posted onFebruary 18, 2025February 19, 2025

Mortgage Charge Offs Lending Guidelines: Your Guide to Homeownership in 2025 Have you experienced a mortgage charge off and need…

Continue Reading Mortgage Charge Offs Lending Guidelines And RequirementsContinue

Mortgage Loan With Unsatisfied Judgment
Judgment | Bad Credit Mortgages | Videos

Mortgage Loan With Unsatisfied Judgment Guidelines

ByAlex Carlucci Posted onFebruary 13, 2025April 18, 2025

How to Get a Mortgage Loan with Unsatisfied Judgment in 2025 Getting a mortgage loan with an unsatisfied judgment may…

Continue Reading Mortgage Loan With Unsatisfied Judgment GuidelinesContinue

Reading Peoples Body Language
Career Opportunities/Loan Officer Training

How to Build Relationships Reading Peoples Body Language

ByAlex Carlucci Posted onFebruary 11, 2025May 13, 2025

This blog covers how to build relationships by reading peoples body language. Reading peoples body language provides an amazing amount…

Continue Reading How to Build Relationships Reading Peoples Body LanguageContinue

Loss Of Income Insurance
Mortgage Insurance

Loss of Income Insurance and its Benefits for Homeowners

ByAlex Carlucci Posted onFebruary 11, 2025February 11, 2025

With mortgage payments often being one of the largest monthly expenses, owning a home comes with big financial responsibilities. Life’s…

Continue Reading Loss of Income Insurance and its Benefits for HomeownersContinue

Story Of A Veteran
VA Loans

Story of a Veteran Who Served in the U.S. Military

ByAlex Carlucci Posted onFebruary 8, 2025February 10, 2025

This article is about the story of a veteran who served in the U.S. military. A decorated Vietnam veteran and…

Continue Reading Story of a Veteran Who Served in the U.S. MilitaryContinue

The 27-Second Effect
Career Opportunities/Loan Officer Training

The 27-Second Effect Research Data and Effects on Driving

ByAlex Carlucci Posted onFebruary 7, 2025February 10, 2025

This guide covers the 27-second effect research data and effects on driving. If you’re like most people, you probably need…

Continue Reading The 27-Second Effect Research Data and Effects on DrivingContinue

Southern California Gas Leak
Bad Credit Mortgages

Southern California Gas Leak Update

ByAlex Carlucci Posted onJanuary 27, 2025January 27, 2025

Gustan Cho Associates and Great Content Authority Forums News are updating a new updated guide on the Southern California Gas…

Continue Reading Southern California Gas Leak UpdateContinue

Housing Economic Outlook
Headline News Archives

Housing Economic Outlook and How It Impacts Homebuyers

ByAlex Carlucci Posted onJanuary 26, 2025January 27, 2025

Housing Economic Outlook and how it impacts Homebuyers (Updated January 26, 2025) Introduction Housing Economic Outlook: Market activity at the…

Continue Reading Housing Economic Outlook and How It Impacts HomebuyersContinue

Growing Up In The Inter-City
Headline News Archives

Growing Up in The Inter-City of Chicago as a Homeowner

ByAlex Carlucci Posted onJanuary 24, 2025January 27, 2025

This guide covers growing up in the inter-city of Chicago as a homeowner: The Story of John Strange. Escaping and…

Continue Reading Growing Up in The Inter-City of Chicago as a HomeownerContinue

Federal Reserve Board Increases Interest Rates
Headline News Archives

Federal Reserve Board Increases Interest Rates

ByAlex Carlucci Posted onJanuary 24, 2025January 27, 2025

This guide covers what happens when the Federal Reserve Board increases interest rates. This guide is an update of an…

Continue Reading Federal Reserve Board Increases Interest RatesContinue

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 onJanuary 24, 2025April 7, 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

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 onJanuary 23, 2025May 13, 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

Lenders for Best Rates
Videos | Headline News Archives

Gustan Cho Associates: The Lenders for Best Rates

ByAlex Carlucci Posted onJanuary 22, 2025February 28, 2025

This guide covers lenders for best rates. We have seen high interest rates and skyrocketing mortgage rates. Still to this…

Continue Reading Gustan Cho Associates: The Lenders for Best RatesContinue

Qualifying for Jumbo Loans
Jumbo Loans | Bank Statement Loans | NON-QM Loans | Videos

Qualifying For Jumbo Loans With Low FICO in 2025

ByAlex Carlucci Posted onJanuary 20, 2025January 21, 2025

Qualifying for Jumbo Loans in 2025: Your Complete Guide If you dream of purchasing a high-value home and need a…

Continue Reading Qualifying For Jumbo Loans With Low FICO in 2025Continue

IHDA Mortgage Guidelines on Illinois Home Purchase
Home Purchase | Down Payment Assistance | First Time Home Buyers | Videos

IHDA Mortgage Guidelines on Illinois Home Purchase

ByAlex Carlucci Posted onJanuary 17, 2025January 19, 2025

In this blog, we will cover and discuss IHDA mortgage guidelines on Illinois home purchases. The Illinois Housing Development Authority…

Continue Reading IHDA Mortgage Guidelines on Illinois Home PurchaseContinue

Role of the Property Manager
Real Estate Topic

What is the Role of The Property Manager

ByAlex Carlucci Posted onJanuary 16, 2025January 17, 2025

This guide covers the role of the property manager and their responsibilities to landlords. The role of the property manager…

Continue Reading What is the Role of The Property ManagerContinue

Buying Townhouse Versus Single-Family Homes
Condominium Loans | Home Purchase | Real Estate Topic | Town House | Videos

Buying Townhouse Versus Single-Family Homes

ByAlex Carlucci Posted onJanuary 15, 2025January 20, 2025

More and more homebuyers are gravitating towards a townhome purchase versus a single-family home during today’s booming housing market

Continue Reading Buying Townhouse Versus Single-Family HomesContinue

Sarasota Housing Market
Real Estate Topic | Home Purchase

Sarasota Housing Market: Home Prices and Trends

ByAlex Carlucci Posted onJanuary 15, 2025January 16, 2025

This guide covers the Sarasota housing market. Purchasing a Property in Sarasota and Picking Your Real Estate Agent The Sarasota…

Continue Reading Sarasota Housing Market: Home Prices and TrendsContinue

FHA Back to Work Mortgage
FHA Loans | Headline News Archives | Mortgage After Bankruptcy and Foreclosure | NON-QM Loans | Videos

FHA Back To Work Mortgage Waives Bankruptcy and Foreclosure

ByAlex Carlucci Posted onJanuary 14, 2025January 14, 2025

This guide covers the ill-fated HUD’s FHA Back to Work Mortgage. The FHA Back to Work Mortgage no longer exists….

Continue Reading FHA Back To Work Mortgage Waives Bankruptcy and ForeclosureContinue

QM-Qualified Mortgages
Home Mortgages | NON-QM Loans | Videos

What Are QM-Qualified Mortgages Versus Non-QM Loans

ByAlex Carlucci Posted onJanuary 14, 2025January 20, 2025

Understanding QM-Qualified Mortgages: What Borrowers Need to Know in 2025 If you’re thinking about buying a home or refinancing, chances…

Continue Reading What Are QM-Qualified Mortgages Versus Non-QM LoansContinue

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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

  • Hard Money Lenders
    Simple Truth: What Are Hard Money Lenders and How They HelpMay 5, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansMay 5, 2025
  • Qualifying for Mortgage with Irregular Income
    Qualifying For Mortgage With Irregular IncomeApril 30, 2025
  • Home Loan with Tax Lien
    Home Loan With Tax Lien And Judgment Mortgage GuidelinesApril 29, 2025

DTI Calculators

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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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