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    • Contact Us
    • Get Pre-Approved
    • Order Credit
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    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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Author: Alex Carlucci

Home / Alex Carlucci
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 18, 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…

Continue Reading Self-Employed Mortgage Borrowers With No Income Tax ReturnsContinue

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

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

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

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

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

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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

  • States With Exceptional Campgrounds
    Buying a House in States With Exceptional CampgroundsJuly 18, 2025
  • Feds Start Land Seizures
    Feds Start Land Seizures Along Texas Border To Build WallJuly 17, 2025
  • Waiting Period After Loan Modification
    Waiting Period After Loan Modification to Qualify for a LoanJuly 17, 2025
  • Hard Money Loan Closings
    Need Fast Funding? Hard Money Loan Closings Made SimpleJuly 17, 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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