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Author: Anngelli Abenes

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VA Guidelines on Co-Borrowers
Videos | Non-Occupant Co-Borrowers | VA Loans

VA Guidelines on Co-Borrowers For VA Loans

ByAnngelli Abenes Posted onMay 24, 2024August 28, 2024

This guide covers VA guidelines on co-borrowers for VA loans. We will discuss the VA guidelines on co-borrowers. Income is…

Continue Reading VA Guidelines on Co-Borrowers For VA LoansContinue

Condotel Mortgage Rates
Condominium Loans | video

Condotel Mortgage Rates | Rates on Non-Warrantable Condos

ByAnngelli Abenes Posted onMay 24, 2024August 28, 2024

This Article Is About Condotel Mortgage Rates And Condotel Loan Guidelines. A condotel, or a condo-hotel, is a condominium unit…

Continue Reading Condotel Mortgage Rates | Rates on Non-Warrantable CondosContinue

Buying a Mountain House
Home Purchase | Investment Homes | Real Estate Topic | Second Homes | video

What To Know Before Buying a Mountain House

ByAnngelli Abenes Posted onMay 23, 2024August 28, 2024

This guide covers everything you need to know before buying a mountain house. Discover how to find your dream home…

Continue Reading What To Know Before Buying a Mountain HouseContinue

How Student And Car Loans Affect DTI
High Debt To Income Ratio | Student Loans | video

How Student And Car Loans Affect DTI For Mortgages

ByAnngelli Abenes Posted onMay 23, 2024August 28, 2024

This article will explore how student and car loans affect DTI (Debt-to-Income) mortgage ratios. Auto loans are typically the second-largest…

Continue Reading How Student And Car Loans Affect DTI For MortgagesContinue

NON-QM Jumbo Loans
NON-QM Loans | Jumbo Loans | Videos

NON-QM Jumbo Loans For Bad Credit and No-Income Docs

ByAnngelli Abenes Posted onMay 23, 2024August 28, 2024

NON-QM jumbo loans are alternative mortgage loan programs for owner-occupant primary homes, second homes, and investment properties. Most non-QM loans…

Continue Reading NON-QM Jumbo Loans For Bad Credit and No-Income DocsContinue

Avoiding Stress During Mortgage Process
Home Purchase | Videos

Avoiding Stress During Mortgage Process And Close On Time

ByAnngelli Abenes Posted onMay 22, 2024February 10, 2025

This Article Is About Ways Of Avoiding Stress During Mortgage Process And Close On Time There is no reason why…

Continue Reading Avoiding Stress During Mortgage Process And Close On TimeContinue

How Mortgage Brokers Get Paid
Home Mortgages | Career Opportunities/Loan Officer Training | Mortgage Processing And Underwriting | Videos

How Mortgage Brokers Get Paid on Closed Home Loans

ByAnngelli Abenes Posted onMay 21, 2024May 22, 2024

This guide covers how mortgage brokers get paid on closed home loans. Mortgage brokers, loan originators, or loan officers are…

Continue Reading How Mortgage Brokers Get Paid on Closed Home LoansContinue

Role Of Mortgage Processor
Mortgage Processing And Underwriting | video

Role Of Mortgage Processor During The Mortgage Process

ByAnngelli Abenes Posted onMay 21, 2024August 28, 2024

In this article, we will cover and discuss the role of mortgage processor during the mortgage process. The mortgage processor…

Continue Reading Role Of Mortgage Processor During The Mortgage ProcessContinue

Freddie Mac Part-Time Income Mortgage Guidelines
Income And Employment | Conventional Loans | Gaps In Employment | Videos

Freddie Mac Part-Time Income Mortgage Guidelines

ByAnngelli Abenes Posted onMay 20, 2024August 28, 2024

This guide explores the updated Freddie Mac part-time income mortgage guidelines for 2024. The new year has introduced significant changes…

Continue Reading Freddie Mac Part-Time Income Mortgage GuidelinesContinue

FHA Property Standards
Appraisal | FHA Loans

HUD Guidelines for FHA Loans: FHA Property Standards

ByAnngelli Abenes Posted onMay 20, 2024August 28, 2024

HUD Guidelines On FHA Property Standards is the home needs to be safe, secure, and habitable. No need to be alarmed if the home is old. As long as the home is secured, safe, and habitable, it will pass FHA Home Appraisal.

Continue Reading HUD Guidelines for FHA Loans: FHA Property StandardsContinue

Home Buying Stress
Bad Credit Mortgages | Home Mortgages | video

Home Buying Stress During Mortgage Underwriting Process

ByAnngelli Abenes Posted onMay 20, 2024April 7, 2025

This article is about Why Mortgage Process Is Biggest Home Buying Stress The process of buying a home can be…

Continue Reading Home Buying Stress During Mortgage Underwriting ProcessContinue

Buying Home With Illegal Apartment
Muti-Family Investment

Buying Home With Illegal Apartment In Basement And Attic

ByAnngelli Abenes Posted onMay 20, 2024August 28, 2024

This blog will discuss the intricacies of buying home with illegal apartment in the basement and attic. Most of these…

Continue Reading Buying Home With Illegal Apartment In Basement And AtticContinue

Clearing Mortgage Conditions
Mortgage Processing And Underwriting

Clearing Mortgage Conditions of Conditional Loan Approval

ByAnngelli Abenes Posted onMay 17, 2024August 28, 2024

This guide covers clearing mortgage conditions of conditional loan approval.  After borrower’s mortgage application has been processed and underwritten, the…

Continue Reading Clearing Mortgage Conditions of Conditional Loan ApprovalContinue

Verification Of Mortgage Guidelines (1)
Home Mortgages

Verification Of Mortgage Guidelines And Requirements By Lenders

ByAnngelli Abenes Posted onMay 17, 2024August 28, 2024

This Article Is About Verification Of Mortgage Guidelines And Requirements By Lenders. A Verification of Mortgage, commonly known as VOM,…

Continue Reading Verification Of Mortgage Guidelines And Requirements By LendersContinue

Prenuptial Agreements
Home Mortgages | Home Purchase

How Does Prenuptial Agreements Affect Mortgages

ByAnngelli Abenes Posted onMay 17, 2024May 22, 2024

This guide covers how prenuptial agreements affect mortgage loans. You may have heard of prenuptial agreements if you plan to…

Continue Reading How Does Prenuptial Agreements Affect MortgagesContinue

Sellers Concessions And Tax Prorations
Home Mortgages | video

Sellers Concessions And Tax Prorations On Illinois Home Purchase

ByAnngelli Abenes Posted onMay 13, 2024May 14, 2024

Understanding Sellers Concessions and Tax Prorations in Illinois Home Purchases Illinois home buyers benefit from a unique financial advantage that…

Continue Reading Sellers Concessions And Tax Prorations On Illinois Home PurchaseContinue

Why Do Mortgage Lenders Ask For Reserves
Mortgage Processing And Underwriting | Manual Underwriting | Muti-Family Investment | Videos

Why Do Mortgage Lenders Ask For Reserves From Borrowers

ByAnngelli Abenes Posted onMay 13, 2024August 28, 2024

When And Why Do Mortgage Lenders Ask For Reserves? On VA and FHA manual underwriting, one month’s reserves are required. Multi-family units require reserves by homebuyers.

Continue Reading Why Do Mortgage Lenders Ask For Reserves From BorrowersContinue

Reaffirming Home Loan After Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Conventional Loans | Videos

Reaffirming Home Loan After Bankruptcy Mortgage Guidelines

ByAnngelli Abenes Posted onMay 13, 2024August 28, 2024

In this article, we’ll talk about reaffirming home loan after bankruptcy, a frequently inquired topic. Milwaukee-based Attorney James Miller of…

Continue Reading Reaffirming Home Loan After Bankruptcy Mortgage GuidelinesContinue

HUD CAIVRS Guidelines
Collection Accounts | FHA Loans | Videos

HUD CAIVRS Guidelines on FHA Loans

ByAnngelli Abenes Posted onMay 10, 2024April 24, 2025

This article will explore the HUD CAIVRS Guidelines for FHA loans when obtaining a mortgage. Government-backed mortgage loans are an…

Continue Reading HUD CAIVRS Guidelines on FHA LoansContinue

Should I Use Fannie Mae Or Freddie Mac
Automated Underwriting System | video

Should I Use Fannie Mae or Freddie Mac For AUS

ByAnngelli Abenes Posted onMay 10, 2024August 28, 2024

In this article, we’ll discuss about Should I Use Fannie Mae or Freddie Mac for Automated Underwriting Systems (AUS). There…

Continue Reading Should I Use Fannie Mae or Freddie Mac For AUSContinue

Clear-to-Close on FHA Loans
Clear To Close | Conditional Loan Approval | FHA Loans | Videos

What Does a Clear-to-Close on FHA Loans Mean?

ByAnngelli Abenes Posted onMay 10, 2024May 13, 2024

This guide covers what a clear-to-close on FHA loans means. What does a clear-to-close on FHA loans mean for borrowers?…

Continue Reading What Does a Clear-to-Close on FHA Loans Mean?Continue

Buying a Home With Bad Credit in Nevada
Bad Credit Mortgages | Credit Scores | Home Purchase | video

Buying a Home With Bad Credit in Nevada With Under 600 FICO

ByAnngelli Abenes Posted onMay 9, 2024April 7, 2025

In this article, we will delve into the process of buying a home with bad credit in Nevada, specifically for…

Continue Reading Buying a Home With Bad Credit in Nevada With Under 600 FICOContinue

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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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