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    • Get Pre-Approved
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    • Loan LimitsExpand
      • FHA Loan Limits
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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Author: Anngelli Abenes

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Best Minnesota Mortgage Lenders For Bad Credit
Bad Credit Mortgages | Credit Scores | FHA Loans | Manual Underwriting | NON-QM Loans | VA Loans | Videos

Best Minnesota Mortgage Lenders For Bad Credit

ByAnngelli Abenes Posted onJuly 12, 2024June 3, 2025

Looking for the best Minnesota mortgage lenders for bad credit might seem daunting, but it doesn’t have to be. If…

Continue Reading Best Minnesota Mortgage Lenders For Bad CreditContinue

VA Loan During Chapter 13 Bankruptcy
Bad Credit Mortgages | Bankruptcy | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

VA Loan During Chapter 13 Bankruptcy: What You Need to Know

ByAnngelli Abenes Posted onJuly 12, 2024February 11, 2025

What are the VA Agency Guidelines to qualify for a VA loan during Chapter 13 Bankruptcy

Continue Reading VA Loan During Chapter 13 Bankruptcy: What You Need to KnowContinue

Mortgage With Outstanding Judgments
Judgment | Bad Credit Mortgages | Videos

Mortgage With Outstanding Judgments Lending Guidelines

ByAnngelli Abenes Posted onJuly 10, 2024June 3, 2025

Are you trying to buy a house but find out you have unpaid court fees on your credit? It feels…

Continue Reading Mortgage With Outstanding Judgments Lending GuidelinesContinue

FHA 203k Rehab Loan After Bankruptcy
FHA 203k Loan | Bad Credit Mortgages | Bankruptcy | FHA Loans | Videos

FHA 203k Rehab Loan After Bankruptcy Mortgage Guidelines

ByAnngelli Abenes Posted onJuly 9, 2024January 22, 2025

Understanding FHA 203k Rehab Loans After Bankruptcy Securing a home loan after experiencing bankruptcy can be challenging. Still, the FHA…

Continue Reading FHA 203k Rehab Loan After Bankruptcy Mortgage GuidelinesContinue

Mortgage Approval Process On Manual Underwriting
Manual Underwriting | FHA Loans | VA Loans | Verification of Employment | Videos

Mortgage Approval Process On Manual Underwriting

ByAnngelli Abenes Posted onJuly 9, 2024June 3, 2025

Mortgage Approval Process on Manual Underwriting: A Comprehensive Guide for 2024 The mortgage approval process can be overwhelming, especially with…

Continue Reading Mortgage Approval Process On Manual UnderwritingContinue

Hard Money Loan With Federal Tax Lien
Commercial Loans | Hard Money Loans | Real Estate | Tax Lien | Videos

Hard Money Loan With Federal Tax Lien And Judgments

ByAnngelli Abenes Posted onJuly 9, 2024June 3, 2025

Simple Guide on Getting a Hard Money Loan With Federal Tax Lien in 2024 If you owe money to the…

Continue Reading Hard Money Loan With Federal Tax Lien And JudgmentsContinue

Mortgage With Auto Loan
Auto Loans | Bad Credit Mortgages | Videos

Mortgage With Auto Loan: Navigating Challenges and Solutions

ByAnngelli Abenes Posted onJuly 8, 2024June 5, 2025

An auto loan can be a deal killer when it comes to getting qualified for a mortgage. The average monthly auto loan on a new car is $500 per month. $500 per month is equivalent to a $100,000 mortgage payment.

Continue Reading Mortgage With Auto Loan: Navigating Challenges and SolutionsContinue

Illinois Mortgage With Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | VA Loans | Videos

Illinois Mortgage With Bad Credit Mortgage Options

ByAnngelli Abenes Posted onJuly 8, 2024June 5, 2025

Your All-Inclusive Manual to Getting a Mortgage with Poor Credit in Illinois. Do you fear poor credit could dash your…

Continue Reading Illinois Mortgage With Bad Credit Mortgage OptionsContinue

FHA DTI Guidelines
High Debt To Income Ratio | Automated Underwriting System | FHA Loans | Videos

FHA DTI Guidelines for Getting an Approve/Eligible Per AUS

ByAnngelli Abenes Posted onJuly 5, 2024June 5, 2025

First-time homebuyers, especially, may be easily overwhelmed by the complexities of purchasing a home. One of the most critical aspects…

Continue Reading FHA DTI Guidelines for Getting an Approve/Eligible Per AUSContinue

No-Doc Mortgage Loans
Bank Statement Loans | NON-QM Loans | Videos

No-Doc Mortgage Loans For Self-Employed With No Tax Returns

ByAnngelli Abenes Posted onJuly 5, 2024June 5, 2025

It is often a difficult task for many self-employed persons to acquire mortgage loans. Traditional mortgages usually require long paperwork,…

Continue Reading No-Doc Mortgage Loans For Self-Employed With No Tax ReturnsContinue

Freddie Mac No Credit Score Mortgage
Conventional Loans | Freddie Mac HomeOne

Freddie Mac No Credit Score Mortgage Guidelines

ByAnngelli Abenes Posted onJuly 3, 2024June 5, 2025

This Article Is About Freddie Mac No Credit Score Mortgage Guidelines Occasionally, borrowers may have to opt for conventional loans…

Continue Reading Freddie Mac No Credit Score Mortgage GuidelinesContinue

Mortgage Process Can Be Stressful
Mortgage Processing And Underwriting

Mortgage Process Can Be Stressful If Not Properly Qualified

ByAnngelli Abenes Posted onJuly 3, 2024June 5, 2025

This Article Is About How The Mortgage Process Can Be Stressful If Borrowers Not Properly Qualified The mortgage process does…

Continue Reading Mortgage Process Can Be Stressful If Not Properly QualifiedContinue

Fannie Mae-Freddie Mac Exempt Debt Guidelines
Conventional Loans | High Debt To Income Ratio | Videos

Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional Loans

ByAnngelli Abenes Posted onJune 7, 2024February 19, 2025

There are certain debts that can be exempt from debt to income ratio calculations on conventional loans.

Continue Reading Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional LoansContinue

Chicago First Responders Homes For Heroes
Home Purchase

Chicago First Responders Homes For Heroes Mortgage Program

ByAnngelli Abenes Posted onJune 7, 2024August 30, 2024

In this blog, we will cover and discuss Chicago First Responders Homes For Heroes Mortgage Program. We have can help…

Continue Reading Chicago First Responders Homes For Heroes Mortgage ProgramContinue

HUD And Fannie Mae Guidelines On Credit Disputes
Videos | Credit Disputes | Qualifying & Getting Pre-approved

HUD And Fannie Mae Guidelines On Credit Disputes

ByAnngelli Abenes Posted onJune 6, 2024August 30, 2024

This blog will discuss the HUD and Fannie Mae Guidelines on credit disputes during the mortgage process. We will outline…

Continue Reading HUD And Fannie Mae Guidelines On Credit DisputesContinue

Choosing The Right Mortgage Company
Career Opportunities/Loan Officer Training | Mortgage Lender Overlays | Qualifying & Getting Pre-approved | Videos

Choosing The Right Mortgage Company For Loan Officers

ByAnngelli Abenes Posted onJune 6, 2024August 30, 2024

This guide covers choosing the right mortgage company for loan officers. Choosing the right mortgage company for loan officers is…

Continue Reading Choosing The Right Mortgage Company For Loan OfficersContinue

Benefits Of Refinancing During Historic Low Mortgage Rates
Mortgage Refinance | Refinancing | Videos

Benefits Of Refinancing During Historic Low Mortgage Rates

ByAnngelli Abenes Posted onJune 5, 2024October 8, 2024

It is no secret that mortgage interest rates are at historic lows. The COVID-19 pandemic has affected every global market,…

Continue Reading Benefits Of Refinancing During Historic Low Mortgage RatesContinue

10 Ideas to Make Money In Florida
Bad Credit Mortgages

10 Ideas to Make Money In Florida During A Booming Economy

ByAnngelli Abenes Posted onJune 5, 2024August 30, 2024

Florida, the most southern state in the United States, has a strong economy fueled by manufacturing, building, global finance, healthcare…

Continue Reading 10 Ideas to Make Money In Florida During A Booming EconomyContinue

Qualifying Borrowers For Mortgage
Conditional Loan Approval | Home Mortgages | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Qualifying Borrowers For Mortgage on Purchase and Refinance

ByAnngelli Abenes Posted onMay 31, 2024January 31, 2025

This guide covers the process of qualifying borrowers for mortgage on home purchases and refinances. From the application stage to…

Continue Reading Qualifying Borrowers For Mortgage on Purchase and RefinanceContinue

Layered Risk In Manual Underwriting
Manual Underwriting | Automated Underwriting System | Videos

What Factors Are Considered Layered Risk In Manual Underwriting

ByAnngelli Abenes Posted onMay 30, 2024August 29, 2024

In this blog, we will be discussing the factors that are considered layered risks in manual underwriting. FHA and VA…

Continue Reading What Factors Are Considered Layered Risk In Manual UnderwritingContinue

HUD Derogatory Credit Guidelines
Bad Credit Mortgages | Charge Off Accounts | Credit Disputes | FHA Loans | video

HUD Derogatory Credit Guidelines On FHA Home Loans

ByAnngelli Abenes Posted onMay 30, 2024May 31, 2024

If you have lower credit scores and multiple prior derogatory credit tradelines, FHA loans are your best bet to get an approve/eligible per automated underwriting system (AUS).

Continue Reading HUD Derogatory Credit Guidelines On FHA Home LoansContinue

Home Loan With Declining And Irregular Income
Income And Employment | declining income | Videos

Home Loan With Declining And Irregular Income Mortgage Guidelines

ByAnngelli Abenes Posted onMay 24, 2024August 29, 2024

This Article Is About Home Loan With Declining And Irregular Income Mortgage Guidelines. There are ways on how mortgage underwriters…

Continue Reading Home Loan With Declining And Irregular Income Mortgage GuidelinesContinue

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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

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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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