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    • Contact Us
    • Get Pre-Approved
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    • MLO License School
    • Why Choose Us
    • 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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      • 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
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    • How to Get DACA Mortgage Loans Without the Stress
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      • 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
    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
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      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
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Call or Text: (800) 900-8569

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Gustancho Associates

Author: Alex Carlucci

Home / Alex Carlucci - Page 11
The 1st Of 3 Ways To Pay Off Your Mortgage Faster
Investment Homes | Videos

Traditional and Non-Prime Investment Home Mortgage Loans

ByAlex Carlucci Posted onJune 29, 2022December 18, 2023

In this article, we will discuss and cover investment home loans with no income documentation. There are several different types…

Continue Reading Traditional and Non-Prime Investment Home Mortgage LoansContinue

APR Versus Interest Rate
Mortgage Rates

APR Versus Interest Rate Quoted By Mortgage Lenders

ByAlex Carlucci Posted onJune 12, 2022October 8, 2024

Many homebuyers are often confused when they are applying for a mortgage about why they are getting two rates, APR…

Continue Reading APR Versus Interest Rate Quoted By Mortgage LendersContinue

Illinois Home Purchase Down Payment Requirements
First Time Home Buyers

Illinois Home Purchase Mortgage Options Guide

ByAlex Carlucci Posted onJune 11, 2022April 3, 2025

In this blog, we will cover and discuss Illinois home purchase mortgage options for homebuyers. Going through the home purchase…

Continue Reading Illinois Home Purchase Mortgage Options GuideContinue

VA Loan Eligibility Requirements in Vermont
VA Loans

VA Loan Eligibility Requirements in Vermont

ByAlex Carlucci Posted onJune 5, 2022October 8, 2024

In this blog, we will cover and discuss the VA loan eligibility requirements in Vermont for 2022. We will cover…

Continue Reading VA Loan Eligibility Requirements in VermontContinue

Best Bad Credit Mortgage Lenders in Alaska
FHA Loans | Bad Credit Mortgages

Best Bad Credit Mortgage Lenders in Alaska For Low Scores

ByAlex Carlucci Posted onJune 2, 2022July 8, 2025

In this blog, we will cover and discuss the best bad credit mortgage lenders in Alaska for FHA loans. The…

Continue Reading Best Bad Credit Mortgage Lenders in Alaska For Low ScoresContinue

Mortgage Denial For Late Payments During Chapter 13 Plan
Mortgage After Bankruptcy and Foreclosure | Videos

Mortgage Denial For Late Payments During Chapter 13 Plan

ByAlex Carlucci Posted onMay 14, 2022October 8, 2024

In this blog, we will cover and discuss qualifying for a mortgage with new lenders after getting mortgage denial for…

Continue Reading Mortgage Denial For Late Payments During Chapter 13 PlanContinue

FHA Streamline Refinance in Wisconsin
Mortgage Refinance | FHA Loans

FHA Streamline Refinance in Wisconsin with Best Rates

ByAlex Carlucci Posted onMay 13, 2022July 23, 2024

In this article, we will discuss and cover qualifying for an FHA streamline refinance in Wisconsin with the best rates…

Continue Reading FHA Streamline Refinance in Wisconsin with Best RatesContinue

FHA Loans Versus Non-QM Loans for Bad Credit Borrowers
FHA Loans | Mortgage Lender Overlays

FHA Loans Versus Non-QM Loans for Bad Credit Borrowers

ByAlex Carlucci Posted onApril 24, 2022October 8, 2024

We will be comparing FHA loans versus non-QM loans for homebuyers with credit/income issues and have you fully understand the…

Continue Reading FHA Loans Versus Non-QM Loans for Bad Credit BorrowersContinue

New Jersey Housing Market
Real Estate Topic

New Jersey Housing Market Stronger Than Expected For 2022

ByAlex Carlucci Posted onApril 24, 2022July 9, 2025

In this blog, we will cover and discuss the New Jersey Housing Market. New Jersey has the highest property tax…

Continue Reading New Jersey Housing Market Stronger Than Expected For 2022Continue

Rising Mortgage Rates In Hot Housing Market
Mortgage Rates

Rising Mortgage Rates In Hot Housing Market For Homebuyers

ByAlex Carlucci Posted onApril 19, 2022October 9, 2024

In this article, we will discuss and cover the rising mortgage rates in hot housing market for homebuyers with skyrocketing…

Continue Reading Rising Mortgage Rates In Hot Housing Market For HomebuyersContinue

USDA Loans After Chapter 7 Bankruptcy
USDA Loans

USDA Loans After Chapter 7 Bankruptcy Mortgage Guidelines

ByAlex Carlucci Posted onApril 19, 2022April 7, 2025

In this blog, we will cover and discuss USDA loans after Chapter 7 Bankruptcy Mortgage Guidelines for first-time homebuyers. USDA…

Continue Reading USDA Loans After Chapter 7 Bankruptcy Mortgage GuidelinesContinue

Tax Settlement For Borrowers Who Have Tax Liens
Income And Employment

Tax Settlement For Borrowers Who Have Tax Liens

ByAlex Carlucci Posted onApril 9, 2022October 8, 2024

In this blog, we will cover and discuss tax settlement for borrowers who have tax liens. With the advent of…

Continue Reading Tax Settlement For Borrowers Who Have Tax LiensContinue

Buying Home Near Schools
Home Purchase

Buying Home Near Schools For First-Time Homebuyers

ByAlex Carlucci Posted onApril 4, 2022October 8, 2024

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

Keyboard Bullies and How It Affects People and Communities
Resources

Keyboard Bullies and How It Affects People and Communities

ByAlex Carlucci Posted onMarch 5, 2022July 22, 2024

In this blog, we will cover and discuss keyboard bullies and how it affects people and communities. Social media can…

Continue Reading Keyboard Bullies and How It Affects People and CommunitiesContinue

FHA Loans With Not Paying Off Collections
Bad Credit Mortgages

FHA Loans With Not Paying Off Collections And Charge Off Accounts

ByAlex Carlucci Posted onMarch 2, 2022October 8, 2024

In this blog, we will discuss and cover qualifying and getting approved on FHA loans with not paying off collections…

Continue Reading FHA Loans With Not Paying Off Collections And Charge Off AccountsContinue

Teamwork At The Gustan Cho Team And Healthy Competition
Career Opportunities/Loan Officer Training

Teamwork at The Gustan Cho Team at Gustan Cho Associates

ByAlex Carlucci Posted onFebruary 19, 2022October 8, 2024

In this blog, we will cover and discuss the teamwork at The Gustan Cho Team at Gustan Cho Associates. All…

Continue Reading Teamwork at The Gustan Cho Team at Gustan Cho AssociatesContinue

Best Place To Work
Career Opportunities/Loan Officer Training

Gustan Cho Associates Named Top Places To Work By Mortgage Posts

ByAlex Carlucci Posted onFebruary 13, 2022October 8, 2024

In this blog, we will discuss and cover how Gustan Cho Associates has been named top places to work by…

Continue Reading Gustan Cho Associates Named Top Places To Work By Mortgage PostsContinue

Cash-Out Refinance Mortgage Rates
Mortgage Refinance | Videos

Lenders With The Best Cash-Out Refinance Mortgage Rates

ByAlex Carlucci Posted onJanuary 2, 2022July 24, 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 Lenders With The Best Cash-Out Refinance Mortgage RatesContinue

FHA Streamline Refinance Mortgage
Mortgage Refinance

FHA Streamline Refinance Mortgage Florida With Limited Documents

ByAlex Carlucci Posted onDecember 26, 2021January 18, 2024

Florida homeowners with FHA Loans that closed on their home loans prior to January 26, 2015, don’t miss an opportunity…

Continue Reading FHA Streamline Refinance Mortgage Florida With Limited DocumentsContinue

Merry Christmas From Gustan Cho Associates Mortgage
Bad Credit Mortgages

Merry Christmas From Gustan Cho Associates Mortgage

ByAlex Carlucci Posted onDecember 24, 2021October 8, 2024

Gustan Cho Associates like to thank and wish all of our clients, viewers, and partners a very Merry Christmas from…

Continue Reading Merry Christmas From Gustan Cho Associates MortgageContinue

Washington VA Loan Requirements
VA Loans

Washington VA Loan Requirements With No Overlays On VA Loans

ByAlex Carlucci Posted onDecember 16, 2021July 22, 2024

Eligible active duty and retired veterans meeting the minimum Washington VA loan requirements can qualify for VA loans with no…

Continue Reading Washington VA Loan Requirements With No Overlays On VA LoansContinue

My Experience With The Gustan Cho Team
Mortgage Lender Overlays

My Experience with The Gustan Cho Team at Gustan Cho Associates

ByAlex Carlucci Posted onDecember 15, 2021October 8, 2024

This article is about a borrower’s testimonial on My Experience with The Gustan Cho Team at Gustan Cho Associates. We…

Continue Reading My Experience with The Gustan Cho Team at Gustan Cho AssociatesContinue

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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

  • Non-QM Home Loan Guidelines
    Non-QM Home Loan Guidelines For Borrowers With Bad CreditAugust 15, 2025
  • How To Prepare For Mortgage
    How To Prepare For Mortgage For First-Time HomebuyersAugust 15, 2025
  • Reserve Requirements on a Home Loan
    Reserve Requirements on a Home Loan By Mortgage LendersAugust 15, 2025
  • Jumbo Loans After Foreclosure
    Jumbo Loans After Foreclosure: Proven Fast-Track PlanAugust 15, 2025

DTI Calculators

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  • Jumbo DTI Calculator
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Subsidiary Sites

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Resources

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  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
  • Contribute To GCA Mortgage Group
  • GCA Approves When Others Can’t
  • Mortgage Guides and Home Loan Options
  • 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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