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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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Author: Alex Carlucci

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APR Versus Interest Rate
Mortgage Rates

APR Versus Interest Rate Quoted By Mortgage Lenders

ByAlex Carlucci Posted onAugust 28, 2025August 29, 2025

APR Versus Interest Rate: What Homebuyers Need to Know in 2025 When you shop for a mortgage, you’ll see two…

Continue Reading APR Versus Interest Rate Quoted By Mortgage LendersContinue

Closing a Mortgage on Time
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Closing a Mortgage on Time: Stress-Free Closing Made Easy

ByAlex Carlucci Posted onAugust 26, 2025August 27, 2025

Closing a Mortgage on Time: Simple Steps for a Stress-Free Experience Buying a home is exciting, but nothing is more…

Continue Reading Closing a Mortgage on Time: Stress-Free Closing Made EasyContinue

Non-QM Loan Waiting Period Guidelines
NON-QM Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Bounce Back Fast With Non-QM Loan Waiting Period Guidelines

ByAlex Carlucci Posted onAugust 26, 2025August 27, 2025

Non-QM Loan Waiting Period Guidelines: Buy a Home Sooner After Bankruptcy or Foreclosure Life happens. Job loss, medical bills, divorce,…

Continue Reading Bounce Back Fast With Non-QM Loan Waiting Period GuidelinesContinue

How Lenders Price Refinance Mortgage Rates
Bad Credit Mortgages | Mortgage Rates | Refinancing | Videos

How Lenders Price Refinance Mortgage Rates

ByAlex Carlucci Posted onAugust 24, 2025August 25, 2025

In this article, we will discuss and cover refinance mortgage rates pricing adjustments, and volatility. Refinance Mortgage Rates hit a…

Continue Reading How Lenders Price Refinance Mortgage RatesContinue

VA Loan Limits
VA Loans

VA Loan Limits for 2025

ByAlex Carlucci Posted onAugust 23, 2025August 25, 2025

In this blog, we will cover and discuss VA loan limits on how much home you can buy with a…

Continue Reading VA Loan Limits for 2025Continue

Impact of The Coronavirus Outbreak on Non-QM Lenders
Headline News Archives | Videos

The Impact of The Coronavirus Outbreak on Non-QM Lenders

ByAlex Carlucci Posted onAugust 22, 2025August 25, 2025

The Impact of the Coronavirus Outbreak on Non-QM Lenders The Coronavirus outbreak hit non-QM lenders hard and fast. In early…

Continue Reading The Impact of The Coronavirus Outbreak on Non-QM LendersContinue

Tax Settlement
Income And Employment | Tax Lien

Tax Settlement For Mortgage Borrowers With Tax Liens

ByAlex Carlucci Posted onAugust 22, 2025August 25, 2025

This blog will discuss tax settlement for borrowers with tax liens. With the advent of TurboTax, almost everyone can become…

Continue Reading Tax Settlement For Mortgage Borrowers With Tax LiensContinue

Buying Home Near Schools
Home Purchase

Buying Home Near Schools For First-Time Homebuyers

ByAlex Carlucci Posted onAugust 20, 2025August 21, 2025

In this blog, we will discuss and cover buying home near schools for first-time homebuyers. There are pros and cons…

Continue Reading Buying Home Near Schools For First-Time HomebuyersContinue

Conditional Mortgage Approval Versus Pre-Approval
Home Mortgages | Videos

Conditional Mortgage Approval Versus Pre-Approval

ByAlex Carlucci Posted onAugust 20, 2025August 21, 2025

Conditional Mortgage Approval Versus Pre-Approval: What Borrowers Need to Know in 2025 Buying a home is super exciting, but the…

Continue Reading Conditional Mortgage Approval Versus Pre-ApprovalContinue

Property Taxes Can Determine Buying Power
Property Taxes | High Debt To Income Ratio | Real Estate Topic | Videos

How Property Taxes Can Determine Buying Power on Homes

ByAlex Carlucci Posted onAugust 19, 2025August 20, 2025

How Property Taxes Can Determine Buying Power in 2025 When people are looking to buy a home, they usually pay…

Continue Reading How Property Taxes Can Determine Buying Power on HomesContinue

Cash-Out Refinance Mortgage Rates
Mortgage Refinance | Videos

Cash-Out Refinance Mortgage Rates vs Rate and Term Rates

ByAlex Carlucci Posted onAugust 18, 2025August 20, 2025

Cash-out refinance mortgage rates are higher than rate and term refinance rates. Cash-out mortgage rates are substantially higher for homeowners…

Continue Reading Cash-Out Refinance Mortgage Rates vs Rate and Term RatesContinue

How To Prepare For Mortgage
Home Mortgages

How To Prepare For Mortgage For First-Time Homebuyers

ByAlex Carlucci Posted onAugust 15, 2025August 18, 2025

This guide covers how to prepare for mortgage for first-time homebuyers. The best way on how to prepare for mortgage…

Continue Reading How To Prepare For Mortgage For First-Time HomebuyersContinue

Understanding Insurance
Mortgage Insurance

Everything You Need to Know About Understanding Insurance

ByAlex Carlucci Posted onAugust 15, 2025August 18, 2025

This guide covers understanding insurance protection for consumers and homeowners. Good morning open enrollment blog for day 1 of the…

Continue Reading Everything You Need to Know About Understanding InsuranceContinue

Limited Review versus Full Review Condo Purchase
Condominium Loans

Limited Review versus Full Review Condo Purchase Guidelines

ByAlex Carlucci Posted onAugust 14, 2025August 15, 2025

This guide covers limited review versus full review condo purchase. Due to the real estate and mortgage meltdown of 2008…

Continue Reading Limited Review versus Full Review Condo Purchase GuidelinesContinue

Starting a New Career as an MLO
Career Opportunities/Loan Officer Training

Starting New Career as MLO With Mortgage Lender Support

ByAlex Carlucci Posted onAugust 14, 2025August 15, 2025

Starting New Career as MLO in 2025: Step-by-Step Guide to Success If you’ve been thinking about starting a new career…

Continue Reading Starting New Career as MLO With Mortgage Lender SupportContinue

CFPB Eliminating TRID
Headline News Archives | Regulations | Videos

CFPB Eliminating TRID To Help Mortgage Borrowers

ByAlex Carlucci Posted onAugust 13, 2025August 14, 2025

This ARTICLE covers the CFPB Eliminating TRID to help mortgage borrowers. Breaking News on CFPB Eliminating TRID: The mortgage industry…

Continue Reading CFPB Eliminating TRID To Help Mortgage BorrowersContinue

Fannie Mae Guidelines on Mortgage After Foreclosure
Videos | Conventional Loans

Fannie Mae Guidelines On Mortgage After Foreclosure

ByAlex Carlucci Posted onAugust 12, 2025August 15, 2025

Fannie Mae Guidelines on Mortgage After Foreclosure in 2025: How to Qualify Again Fast If you’ve been through a foreclosure,…

Continue Reading Fannie Mae Guidelines On Mortgage After ForeclosureContinue

HomeReady Versus Home Possible
Conventional Loans | Down Payment Assistance | Home Possible | HomeReady | Videos

HomeReady Versus Home Possible Mortgage Guidelines

ByAlex Carlucci Posted onAugust 12, 2025August 13, 2025

HomeReady Versus Home Possible in 2025: Which Loan Is Best for You? If you’re looking for a mortgage and don’t…

Continue Reading HomeReady Versus Home Possible Mortgage GuidelinesContinue

Chicago Mortgage Loans for Self-Employed Individuals
Videos | Bank Statement Loans | Income And Employment | NON-QM Loans

Chicago Mortgage Loans For Self-Employed Individuals

ByAlex Carlucci Posted onAugust 12, 2025August 15, 2025

Chicago Mortgage Loans for Self-Employed Individuals: 2025 Guide to Getting Approved Being self-employed in the Chicago area can be super…

Continue Reading Chicago Mortgage Loans For Self-Employed IndividualsContinue

Trump to Privatize Fannie Mae and Freddie Mac
Headline News Archives | Videos

Trump To Privatize Fannie Mae and Freddie Mac in 2025

ByAlex Carlucci Posted onAugust 11, 2025August 12, 2025

This guide covers President Donald Trump to privatize Fannie Mae and Freddie Mac later in 2025. Fannie Mae and Freddie…

Continue Reading Trump To Privatize Fannie Mae and Freddie Mac in 2025Continue

Housing Market Outlook After The Feds Cut Interest Rates
Headline News Archives

Housing Market Outlook after the Feds Cut Interest Rates

ByAlex Carlucci Posted onAugust 10, 2025August 11, 2025

This guide covers the housing market outlook after the Federal Reserve Board cut interest rates. Housing prices have been increasing…

Continue Reading Housing Market Outlook after the Feds Cut Interest RatesContinue

Sacramento California Home Purchase
Conventional Loans | FHA Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Sacramento California Home Purchase With Bad Credit

ByAlex Carlucci Posted onAugust 7, 2025August 8, 2025

Sacramento California Home Purchase: 2025 Mortgage Guide for All Buyers Buying a home is a big decision; if you’re looking…

Continue Reading Sacramento California Home Purchase With Bad CreditContinue

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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

  • Roles of Fannie Mae and Freddie Mac
    Roles of Fannie Mae and Freddie Mac in The Mortgage IndustrySeptember 1, 2025
  • Credit During the Mortgage Process
    Credit During the Mortgage Process Made SimpleAugust 29, 2025
  • Mortgage Loan Programs for Homebuyers
    Easy Mortgage Loan Programs for Homebuyers With Bad CreditAugust 29, 2025
  • Mortgage with High Student Loan Debt
    Qualifying for Mortgage with High Student Loan DebtsAugust 28, 2025

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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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