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Author: Alex Carlucci

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Illinois To Raise Property Taxes
Headline News Archives

Illinois To Raise Property Taxes To Offset Pension Debt

ByAlex Carlucci Posted onNovember 18, 2024March 12, 2025

Breaking News: Illinois to Raise Property Taxes—What It Means for You as a Homeowner In 2024, Illinois homeowners are grappling…

Continue Reading Illinois To Raise Property Taxes To Offset Pension DebtContinue

7 VA Loan Myths Veterans Need To Know
VA Loans | Videos

7 VA Loan Myths Veterans Need To Know

ByAlex Carlucci Posted onNovember 14, 2024November 22, 2024

7 VA Loan Myths Veterans Need to Know in 2024 For veterans or active-duty service members, the VA loan benefit…

Continue Reading 7 VA Loan Myths Veterans Need To KnowContinue

Freddie Mac Home Possible
Conventional Loans | Home Possible

Freddie Mac Home Possible Mortgage Guidelines

ByAlex Carlucci Posted onNovember 4, 2024November 5, 2024

Freddie Mac Home Possible Mortgage: Your Key to Low Down Payment Homeownership in 2024 Are you dreaming of owning a…

Continue Reading Freddie Mac Home Possible Mortgage GuidelinesContinue

Florida Condo Hotel Mortgage
Condominium Loans

Florida Condo Hotel Mortgage Loan Qualification Requirements

ByAlex Carlucci Posted onOctober 30, 2024November 1, 2024

Florida Condo Hotel Mortgage: Financing Your Dream Condo Hotel in 2024 Are you dreaming of owning a piece of luxury…

Continue Reading Florida Condo Hotel Mortgage Loan Qualification RequirementsContinue

Reestablishing Credit After Bankruptcy
Re-Establishing Credit | Mortgage After Bankruptcy and Foreclosure | Secured Credit Cards | Videos

Reestablishing Credit After Bankruptcy For Mortgage Loan Approval

ByAlex Carlucci Posted onOctober 29, 2024November 1, 2024

Reestablishing Credit After Bankruptcy: Your Step-by-Step Guide to Homeownership in 2024 Going through bankruptcy is tough, but it doesn’t mean…

Continue Reading Reestablishing Credit After Bankruptcy For Mortgage Loan ApprovalContinue

FHA Streamline Refinance Illinois
FHA Loans | FHA and VA Streamline Refinance | Refinancing | Videos

FHA Streamline Refinance Illinois With No Closing Costs

ByAlex Carlucci Posted onOctober 23, 2024October 25, 2024

FHA Streamline Refinance Illinois: A Fast, Easy Way to Lower Your Mortgage Payments in 2024 If you’re an Illinois homeowner…

Continue Reading FHA Streamline Refinance Illinois With No Closing CostsContinue

Home Affordable Refinance Program Extended
Mortgage Refinance | FHA and VA Streamline Refinance | FHA Loans

Home Affordable Refinance Program Extended For Underwater Mortgages

ByAlex Carlucci Posted onOctober 22, 2024October 23, 2024

Home Affordable Refinance Program Extended: What Happened and Your Options in 2024 If you’re a homeowner who’s been keeping up…

Continue Reading Home Affordable Refinance Program Extended For Underwater MortgagesContinue

Condotel Financing Mortgage Guidelines
Condominium Loans

Condotel Financing Mortgage Guidelines

ByAlex Carlucci Posted onOctober 1, 2024February 4, 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

Changing Realtors
Real Estate Topic | Real Estate

Changing Realtors During Home Buying And Mortgage Process

ByAlex Carlucci Posted onOctober 1, 2024October 7, 2024

Changing Realtors During the Home Buying and Mortgage Process in 2024 The home buying and mortgage process can be exciting…

Continue Reading Changing Realtors During Home Buying And Mortgage ProcessContinue

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 onSeptember 24, 2024October 8, 2024

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

GREAT CONTENT AUTHORITY FORUMS
Headline News Archives | Home Mortgages | Home Purchase | Investment Homes | Mortgage Processing And Underwriting | NON-QM Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Regulations

Great Content Authority FORUMS: GCA FORUMS

ByAlex Carlucci Posted onSeptember 11, 2024September 11, 2024

This guide covers Great Content Authority FORUMS and Sub-FORUMS, commonly referred to GCA FORUMS. Great Content Authority FORUMS (GCA FORUMS)…

Continue Reading Great Content Authority FORUMS: GCA FORUMSContinue

Michigan FHA Loan Requirements
FHA Loans | Videos

Michigan FHA Loan Requirements And Guidelines

ByAlex Carlucci Posted onAugust 13, 2024September 4, 2024

You might think owning a home in Michigan is out of reach if you have bad credit, a low down…

Continue Reading Michigan FHA Loan Requirements And GuidelinesContinue

Direct Versus Correspondent Lender
Home Mortgages | Mortgage Rates | Videos

Direct Versus Correspondent Lender Explained

ByAlex Carlucci Posted onJune 24, 2024April 7, 2025

In this article on the difference between a direct versus correspondent lender, we will explore the advantages and disadvantages of…

Continue Reading Direct Versus Correspondent Lender ExplainedContinue

Mortgage With Unpaid Collections in Wisconsin
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | FHA Loans | Videos

Mortgage With Unpaid Collections in Wisconsin

ByAlex Carlucci Posted onJune 22, 2024August 30, 2024

In this blog, we will cover and discuss qualifying for a mortgage with unpaid collections in Wisconsin in 2022. Many…

Continue Reading Mortgage With Unpaid Collections in WisconsinContinue

Best New Hampshire Mortgage Lenders For Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Videos

Best New Hampshire Mortgage Lenders For Bad Credit

ByAlex Carlucci Posted onJune 21, 2024August 30, 2024

In this article, we will cover and discuss qualifying and getting approved with the best New Hampshire Mortgage Lenders for…

Continue Reading Best New Hampshire Mortgage Lenders For Bad CreditContinue

Final Walk-Through Prior To Home Closing
Home Purchase | Clear To Close | Videos

Why Do You Do a Final Walk-Through Prior To Home Closing

ByAlex Carlucci Posted onJune 20, 2024August 30, 2024

In this article, we will cover and discuss the final walk-through prior to home closing. A Final Walk-Through Prior To…

Continue Reading Why Do You Do a Final Walk-Through Prior To Home ClosingContinue

Non-QM and Bank Statement Portfolio Loans
Videos | Bank Statement Loans | No-Ratio Mortgage Loans | NON-QM Loans

NON-QM and Bank Statement Portfolio Loans

ByAlex Carlucci Posted onJune 17, 2024February 10, 2025

In this blog, we will discuss and cover non-QM and bank statement portfolio loans for owner-occupant, second homes, and investment…

Continue Reading NON-QM and Bank Statement Portfolio LoansContinue

VA Refinance Guidelines
Mortgage Refinance | VA Loans

VA Refinance Guidelines For IRRRL and Cash-Out Refinance

ByAlex Carlucci Posted onJune 13, 2024April 8, 2025

VA Refinance Guidelines encompass two distinct mortgage processes: the VA streamline refinance (IRRRL), and the VA cash-out refinance. Gustan Cho…

Continue Reading VA Refinance Guidelines For IRRRL and Cash-Out RefinanceContinue

VA Guidelines Versus Overlays
VA Loans | Videos

VA Guidelines Versus Overlays on VA Home Loans

ByAlex Carlucci Posted onJune 12, 2024August 30, 2024

This blog will discuss and cover VA Guidelines Versus Overlays on VA loans. Not all mortgage lenders have the same…

Continue Reading VA Guidelines Versus Overlays on VA Home LoansContinue

VA Chapter 13 Bankruptcy Buy-Out
VA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Videos

VA Chapter 13 Bankruptcy Buy-Out Cash-Out Refinance

ByAlex Carlucci Posted onJune 12, 2024August 30, 2024

This article will discuss the buy-out cash-out refinance option for VA Chapter 13 Bankruptcy. A VA Chapter 13 Bankruptcy buy-out…

Continue Reading VA Chapter 13 Bankruptcy Buy-Out Cash-Out RefinanceContinue

Selling a House With a Realtor
Home Purchase | Home Sellers | Real Estate Topic | Selling Your Home

Steps To Selling a House With a Realtor Fast For Top Dollar

ByAlex Carlucci Posted onJune 5, 2024August 30, 2024

In this article, we will cover and discuss the steps to selling a house with a realtor fast for top…

Continue Reading Steps To Selling a House With a Realtor Fast For Top DollarContinue

Non-QM Loans For Self-Employed
NON-QM Loans | Bank Statement Loans | Videos

NON-QM Loans For Self-Employed Borrowers

ByAlex Carlucci Posted onMay 30, 2024August 29, 2024

This article will cover qualifying for non-QM loans for self-employed borrowers’ home purchases with no income tax returns. In 2023,…

Continue Reading NON-QM Loans For Self-Employed BorrowersContinue

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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

  • Bankruptcy or Foreclosure
    What’s Worse: Foreclosure or Bankruptcy?April 3, 2025
  • Steps in the Underwriting Process
    Steps In The Underwriting Process By Mortgage LendersApril 3, 2025
  • AUS Approval on Conventional Loans
    AUS Approval On Conventional Loans Versus Refer/EligibleApril 1, 2025
  • Buying a Home With a Well and Septic
    Easy Guide to Buying a Home with a Well and SepticMarch 31, 2025

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Equal Housing Opportunity Lender Gustan Cho Associates empowered by NEXA Mortgage LLC. NMLS# 1660690,
Corporate Address: 3100 Ray Road Suite 201 Office # 209 | Chandler AZ 85226 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
      • ITIN Mortgage Loans
      • 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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