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Gustan Cho Associates
  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • FHA Streamline Refinance
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      • Refinance FHA To Conventional Loans
    • FHA Home LoansExpand
      • FHA Manual Underwriting
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    • VA Home LoansExpand
      • VA Manual Underwriting
      • VA Chapter 13 Bankruptcy Guidelines
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    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional LoansExpand
      • 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
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
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      • Training a New Mortgage Loan Officer Without Any Experience
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

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Hard Money Lenders
Commercial Loans | Hard Money Loans | Videos

Simple Truth: What Are Hard Money Lenders and How They Help

ByGustan Cho Posted onMay 5, 2025May 9, 2025

What Are Hard Money Lenders? A Simple Guide for Real Estate Investors and Borrowers If you’ve been turned down by…

Continue Reading Simple Truth: What Are Hard Money Lenders and How They HelpContinue

Qualifying for Mortgage with Irregular Income
Income And Employment

Qualifying For Mortgage With Irregular Income

ByGustan Cho Posted onApril 30, 2025May 9, 2025

Qualifying for Mortgage With Irregular Income: 2025 Guide for Homebuyers Are you worried that your irregular income might stop you…

Continue Reading Qualifying For Mortgage With Irregular IncomeContinue

Home Loan with Tax Lien
Judgment

Home Loan With Tax Lien And Judgment Mortgage Guidelines

ByGustan Cho Posted onApril 29, 2025May 9, 2025

Every Mortgage Loan Program Has Its Own Agency Guidelines When It Comes To Qualifying For A Mortgage With An Outstanding Tax Lien And/Or Judgment

Continue Reading Home Loan With Tax Lien And Judgment Mortgage GuidelinesContinue

Mortgage Insurance Premium
NON-QM Loans

Mortgage Insurance Premium On NON-QM Mortgage Loans

ByGustan Cho Posted onApril 29, 2025May 9, 2025

Mortgage Insurance Premium on Non-QM Mortgage Loans: What You Need to Know When buying a home, mortgage insurance premium often…

Continue Reading Mortgage Insurance Premium On NON-QM Mortgage LoansContinue

Bankruptcy or Foreclosure
Bad Credit Mortgages | Re-Establishing Credit | Videos

What’s Worse: Foreclosure or Bankruptcy?

ByGustan Cho Posted onApril 3, 2025April 29, 2025

Bankruptcy and foreclosure both damage your credit and can make it difficult or impossible to buy or refinance a home. But one is worse than the other.

Continue Reading What’s Worse: Foreclosure or Bankruptcy?Continue

Steps in the Underwriting Process
Mortgage Processing And Underwriting | Videos

Steps In The Underwriting Process By Mortgage Lenders

ByGustan Cho Posted onApril 3, 2025April 4, 2025

Steps in the Underwriting Process: What Borrowers Need to Know in 2025 If you’re buying a home or refinancing your…

Continue Reading Steps In The Underwriting Process By Mortgage LendersContinue

AUS Approval on Conventional Loans
Automated Underwriting System | Videos

AUS Approval On Conventional Loans Versus Refer/Eligible

ByGustan Cho Posted onApril 1, 2025April 7, 2025

AUS Approval On Conventional Loans Versus Refer-Eligible Per AUS: There are ways and tricks of the trade to get an approve eligible per automated underwriting system on conventional loans.

Continue Reading AUS Approval On Conventional Loans Versus Refer/EligibleContinue

Buying a Home With a Well and Septic
Home Purchase | Real Estate Topic | Videos

Easy Guide to Buying a Home with a Well and Septic

ByGustan Cho Posted onMarch 31, 2025April 1, 2025

Buying a home with a well and septic system can feel confusing, mainly if you’ve never dealt with private utilities…

Continue Reading Easy Guide to Buying a Home with a Well and SepticContinue

What Do Mortgage Underwriters Look For
Mortgage Processing And Underwriting

What Do Mortgage Underwriters Look For During Review

ByGustan Cho Posted onMarch 28, 2025April 1, 2025

Buying a house can be exciting, but feeling a bit nervous about the mortgage process is normal. One big question…

Continue Reading What Do Mortgage Underwriters Look For During ReviewContinue

Home Loan with no Credit Tradelines
Credit Scores | FHA Loans | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Home Loan With No Credit Tradelines Mortgage Guidelines

ByGustan Cho Posted onMarch 28, 2025May 13, 2025

Getting a Home Loan With No Credit Tradelines: Your Complete 2025 Guide Buying a home is a thrilling achievement, but…

Continue Reading Home Loan With No Credit Tradelines Mortgage GuidelinesContinue

Non-QM Mortgage Guidelines
Bad Credit Mortgages

Denied a Loan? Non-QM Mortgage Guidelines Can Help

ByGustan Cho Posted onMarch 27, 2025March 31, 2025

Non-QM Mortgage Guidelines: Your Guide to Getting Approved in 2025 If you’ve been told you don’t qualify for a traditional…

Continue Reading Denied a Loan? Non-QM Mortgage Guidelines Can HelpContinue

Mortgage After Filing Bankruptcy
Bad Credit Mortgages

Mortgage After Filing Bankruptcy With No Waiting Period

ByGustan Cho Posted onMarch 27, 2025March 31, 2025

Bankruptcy can feel like a financial dead end but, it doesn’t have to be. If you’re wondering whether you can…

Continue Reading Mortgage After Filing Bankruptcy With No Waiting PeriodContinue

Alternatives To Bankruptcy
Bad Credit Mortgages

Alternatives To Bankruptcy Waiting Out Bad Credit With SOL

ByGustan Cho Posted onMarch 27, 2025March 31, 2025

What are the alternatives to bankruptcy? Many people are struggling with unbearable debt or bad credit and bankruptcy seems like…

Continue Reading Alternatives To Bankruptcy Waiting Out Bad Credit With SOLContinue

Will Mortgage Rates Rise
Mortgage Rates

Will Mortgage Rates Rise Or Will There Be A Correction In 2025?

ByGustan Cho Posted onMarch 26, 2025March 31, 2025

Will mortgage rates rise or will there be a correction in 2025? With interest rates and home prices at the…

Continue Reading Will Mortgage Rates Rise Or Will There Be A Correction In 2025?Continue

Adding Co-Borrower to Qualify for Home Loan
Non-Occupant Co-Borrowers

Guidelines On Adding Co-Borrower To Qualify For Home Loan

ByGustan Cho Posted onMarch 26, 2025March 27, 2025

Adding Co-Borrower To Qualify For Home Loan: Your Guide To Getting Approved in 2025 Trying to qualify for a home…

Continue Reading Guidelines On Adding Co-Borrower To Qualify For Home LoanContinue

California Mortgage Credit Certificate Program
Home Mortgages

California Mortgage Credit Certificate Program Guidelines

ByGustan Cho Posted onMarch 26, 2025March 31, 2025

The California Mortgage Credit Certificate Program (MCC) is a state initiative to assist first-time homebuyers and qualified veterans achieve homeownership…

Continue Reading California Mortgage Credit Certificate Program GuidelinesContinue

Buying or Refinancing After Forbearance
Headline News Archives | Videos

Buying or Refinancing After Forbearance Mortgage Guidelines

ByGustan Cho Posted onMarch 25, 2025March 26, 2025

Buying or Refinancing After Forbearance: What You Need to Know in 2025 If you’ve been through a forbearance and are…

Continue Reading Buying or Refinancing After Forbearance Mortgage GuidelinesContinue

Jumbo Loans Chapter 13 Bankruptcy Guidelines
Mortgage After Bankruptcy and Foreclosure | High-Balance Mortgage Loans | Jumbo Loans | NON-QM Loans | Videos

Jumbo Loans Chapter 13 Bankruptcy Guidelines

ByGustan Cho Posted onMarch 24, 2025March 26, 2025

Jumbo Loans Chapter 13 Bankruptcy Guidelines: How to Get Approved in 2025 Many homebuyers think filing Chapter 13 bankruptcy means…

Continue Reading Jumbo Loans Chapter 13 Bankruptcy GuidelinesContinue

Exempt Debts From Debt To Income Ratio To Qualify For Mortgage
High Debt To Income Ratio | Videos

Exempt Debts From Debt To Income Ratio for Mortgage

ByGustan Cho Posted onMarch 21, 2025March 24, 2025

Getting approved for a mortgage isn’t just about your income and credit score. A huge factor lenders look at is…

Continue Reading Exempt Debts From Debt To Income Ratio for MortgageContinue

DuPage County Home Values Down
Headline News Archives

DuPage County Home Values Down 24%, Property Tax Up 7% Since Recession

ByGustan Cho Posted onMarch 21, 2025March 24, 2025

DuPage County Home Values Down: What’s Really Happening in 2025? Many people across the U.S. hear about home prices going…

Continue Reading DuPage County Home Values Down 24%, Property Tax Up 7% Since RecessionContinue

AUS Approval with Late Payments After Bankruptcy
Bad Credit Mortgages | Videos

How To Get AUS Approval With Late Payments After Bankruptcy

ByGustan Cho Posted onMarch 21, 2025March 24, 2025

Getting a mortgage approval after bankruptcy can feel stressful. Having late payments after a bankruptcy discharge makes things even more…

Continue Reading How To Get AUS Approval With Late Payments After BankruptcyContinue

FHA 203i Loans
FHA Loans

FHA 203i Loans Mortgage Lending Guidelines For Borrowers

ByGustan Cho Posted onMarch 21, 2025March 24, 2025

Understanding FHA 203i Loans: Exploring Your Options with Gustan Cho Associates Are you considering purchasing a home in a rural…

Continue Reading FHA 203i Loans Mortgage Lending Guidelines For 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

  • 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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Resources

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  • 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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