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Author: Dale Elenteny

Home / Dale Elenteny
Irregular Deposits
Mortgage Processing And Underwriting

Irregular Deposits Could Ruin Your Mortgage—Learn to Fix It

ByDale Elenteny Posted onMarch 24, 2025March 25, 2025

Buying a home is exciting. But when you’re applying for a mortgage, your bank statements can suddenly become a big…

Continue Reading Irregular Deposits Could Ruin Your Mortgage—Learn to Fix ItContinue

Mortgage Approval Process
Regulations

How Regulation Changed the Mortgage Approval Process

ByDale Elenteny Posted onMarch 18, 2025March 19, 2025

Lenders are really strict and can nit-pick during the mortgage process due to tough mortgage regulations. Mortgage regulators can fine lenders. If lenders do not follow mortgage regulations, the mortgage loans the lender closes, and funds may not be able to get sold on the secondary market.

Continue Reading How Regulation Changed the Mortgage Approval ProcessContinue

FHA HIgh-Balance Lenders in New Jersey
FHA Loans

FHA High-Balance Lenders in New Jersey With Low Rates | 2025

ByDale Elenteny Posted onFebruary 11, 2025February 12, 2025

FHA High-Balance Lenders in New Jersey: Get Approved with Lenient Guidelines If you’re looking for FHA high-balance lenders in New…

Continue Reading FHA High-Balance Lenders in New Jersey With Low Rates | 2025Continue

Housing Numbers Increase
Headline News Archives

Housing Numbers Increase Despite Higher Mortgage Rates

ByDale Elenteny Posted onJanuary 28, 2025January 29, 2025

ThIs guide covers housing numbers increase despite higher mortgage rates. This guide is an update of the original guide on…

Continue Reading Housing Numbers Increase Despite Higher Mortgage RatesContinue

HARP for Underwater Mortgages
Mortgage Refinance | Headline News Archives

HARP For Underwater Mortgages Lending Guidelines

ByDale Elenteny Posted onJanuary 23, 2025May 13, 2025

This guide covers HARP for underwater mortgages. This guide is an update of a previous guide that was published in…

Continue Reading HARP For Underwater Mortgages Lending GuidelinesContinue

FHA 203k Rehab Loans Georgia
FHA 203k Loan

FHA 203k Rehab Loans Georgia Mortgage Guidelines

ByDale Elenteny Posted onJanuary 21, 2025May 13, 2025

This guide covers FHA 203k Rehab Loans Georgia Mortgage Guidelines. The state of Georgia has one of the hottest housing…

Continue Reading FHA 203k Rehab Loans Georgia Mortgage GuidelinesContinue

FHA Guidelines on Charge-Offs and Collections
Videos | Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | FHA Loans

FHA Guidelines on Charge-Offs and Collections For 2025

ByDale Elenteny Posted onJanuary 16, 2025April 8, 2025

In this guide, we will discuss the FHA guidelines on charge-offs and collections, crucial information for anyone seeking an FHA…

Continue Reading FHA Guidelines on Charge-Offs and Collections For 2025Continue

Expatraite Mortgage Loans
NON-QM Loans | Videos

Expatriate Mortgage Loans: Quick Start to U.S. Homeownership

ByDale Elenteny Posted onJanuary 7, 2025January 14, 2025

Unlock Your American Dream with Expatriate Mortgage Loans from Gustan Cho Associates Are you dreaming of owning a piece of…

Continue Reading Expatriate Mortgage Loans: Quick Start to U.S. HomeownershipContinue

HARP Mortgage Loans After the 2008 Housing Crash
Mortgage Refinance

HARP Mortgage Loans After the 2008 Housing Crash

ByDale Elenteny Posted onDecember 24, 2024December 26, 2024

HARP Mortgage Loans was launched and created due to the 2008 financial crisis. Millions of homeowners bailed where they just turned in their keys to their mortgage lenders.

Continue Reading HARP Mortgage Loans After the 2008 Housing CrashContinue

Taking Tests For Job
Career Opportunities/Loan Officer Training

Taking Tests For Job To Start a Career as a Loan Officer

ByDale Elenteny Posted onDecember 23, 2024April 7, 2025

This guide covers taking test for job to get started to a career as a mortgage loan officer. I am…

Continue Reading Taking Tests For Job To Start a Career as a Loan OfficerContinue

Home Loan with Recent Late Payments
Bad Credit Mortgages | Letter Of Explanation | Videos

Home Loan With Recent Late Payments Mortgage Guidelines

ByDale Elenteny Posted onDecember 19, 2024December 26, 2024

Qualifying for a Home Loan with Recent Late Payments in 2024 Are you struggling with recent late payments but still…

Continue Reading Home Loan With Recent Late Payments Mortgage GuidelinesContinue

Upfront Costs Mortgage Application
Videos | Mortgage Processing And Underwriting

Upfront Costs Mortgage Application Versus Closing Costs

ByDale Elenteny Posted onDecember 18, 2024December 20, 2024

In this blog, we will discuss and cover the upfront costs mortgage application versus closing costs. All home buyers or…

Continue Reading Upfront Costs Mortgage Application Versus Closing CostsContinue

Home Loan with Bad Credit in Iowa
Bad Credit Mortgages | Credit Scores | FHA Loans | Home Mortgages | Home Purchase | NON-QM Loans | USDA Loans | VA Loans

Home Loan With Bad Credit In Iowa With Competitive Rates

ByDale Elenteny Posted onDecember 9, 2024December 12, 2024

Home Loan With Bad Credit in Iowa: Your Complete Guide for 2024 Don’t lose hope if you have bad credit…

Continue Reading Home Loan With Bad Credit In Iowa With Competitive RatesContinue

VA Loan Information Guidelines UPDATES
VA Loans | Videos

VA Loan Information Guidelines UPDATES

ByDale Elenteny Posted onNovember 8, 2024May 15, 2025

VA Loan Information: Everything You Need to Know to Buy or Refinance a Home in 2024 Are you a veteran,…

Continue Reading VA Loan Information Guidelines UPDATESContinue

Mortgage Guidelines Versus Overlays
Mortgage Lender Overlays | Videos

Mortgage Guidelines Versus Overlays on Home Loans

ByDale Elenteny Posted onOctober 11, 2024May 20, 2025

Mortgage Guidelines Versus Overlays: What You Need to Know in 2024 When you’re ready to buy or refinance a home,…

Continue Reading Mortgage Guidelines Versus Overlays on Home LoansContinue

Mortgage Included in Chapter 7 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Conventional Loans | Videos

Fannie Mae Mortgage Included in Chapter 7 Bankruptcy

ByDale Elenteny Posted onJuly 3, 2024August 30, 2024

In this article, we will cover and discuss getting approved for a new home loan after having a prior mortgage…

Continue Reading Fannie Mae Mortgage Included in Chapter 7 BankruptcyContinue

Mortgage Options For Homebuyers in Idaho
Bad Credit Mortgages | Home Mortgages | Home Purchase | Videos

Mortgage Options For Homebuyers in Idaho With Bad Credit

ByDale Elenteny Posted onJune 21, 2024August 30, 2024

In this article, we will cover and discuss mortgage options for homebuyers in Idaho with bad credit and low credit…

Continue Reading Mortgage Options For Homebuyers in Idaho With Bad CreditContinue

Mortgage Guidelines on Home Loans
Conventional Loans | Down Payment Assistance | FHA Loans | Home Mortgages | Mortgage Rates | NON-QM Loans | Videos

Mortgage Guidelines on Home Loans

ByDale Elenteny Posted onMay 12, 2024August 28, 2024

This guide covers changes in mortgage guidelines on home loans and year-end recap. 2023 was a tough year for the…

Continue Reading Mortgage Guidelines on Home LoansContinue

Bank Statement Loans For Self-Employed Borrowers Mortgage
NON-QM Loans | Bank Statement Loans | Videos

Bank Statement Loans For Self-Employed Borrowers

ByDale Elenteny Posted onMay 10, 2024August 28, 2024

In this blog, we will discuss and cover bank statement loans for self-employed borrowers. Non-QM Loans and Bank Statement Loans…

Continue Reading Bank Statement Loans For Self-Employed BorrowersContinue

Business Cash-Flow Analysis
Commercial Loans | NON-QM Loans | Profit and Loss Statement Only Mortgages | Videos

Business Cash-Flow Analysis For Self-Employed Wage Earners

ByDale Elenteny Posted onApril 26, 2024August 23, 2024

This  guide covers business cash-flow analysis for self-employed wage earners. Positive business cash-flow analysis is critical to effectively managing every…

Continue Reading Business Cash-Flow Analysis For Self-Employed Wage EarnersContinue

Shopping For Best Mortgage Rates
Mortgage Refinance | Mortgage Rates | Videos

Shopping For Best Mortgage Rates in California

ByDale Elenteny Posted onApril 25, 2024July 12, 2024

This guide covers shopping for best mortgage rates in California on home purchase and refinance home loans. California is the…

Continue Reading Shopping For Best Mortgage Rates in CaliforniaContinue

Delayed Financing Guidelines
Mortgage Refinance | Mortgage Processing And Underwriting

Delayed Financing Guidelines on Refinance Transactions

ByDale Elenteny Posted onApril 15, 2024April 7, 2025

In this article, we will cover and discuss delayed financing guidelines on refinance transactions. Delayed Financing Guidelines apply for homebuyers…

Continue Reading Delayed Financing Guidelines on Refinance TransactionsContinue

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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: 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
      • 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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