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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
    • NEXA Career OpportunitiesExpand
      • How To Brand Yourself as a Loan Officer
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
    • Loan OfficersExpand
      • Michael Gracz
      • Ronda Butts
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • Refinance Mortgage Options
      • Cash-Out Refinance
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • Rate And Term Refinance
      • FHA Streamline Refinance
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
    • FHA Home LoansExpand
      • 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 LoansExpand
      • 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
    • DACA Mortgage Loans
    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condominium LoansExpand
      • Warrantable Condos
      • Non-Warrantable Condos
      • Condotel Financing
    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
    • Commercial Loans
  • CareersExpand
    • Can Realtors Be MLOs At The Same Time
    • Career OpportunitiesExpand
      • 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
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

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Being Prepared For Hurricanes in Florida
Home Purchase | Mortgage Insurance | Real Estate Topic | Videos

Being Prepared For Hurricanes in Florida

ByGustan Cho Posted onJune 2, 2023June 2, 2023

In this guide, we will cover being prepared for hurricanes in Florida. Homeowners and renters in Florida’s biggest fear is…

Continue Reading Being Prepared For Hurricanes in FloridaContinue

Owner-Occupant Multi-Family Mortgage Guidelines
Muti-Family Investment | Non-Occupant Co-Borrowers | Videos

Owner-Occupant Multi-Family Mortgage Guidelines

ByGustan Cho Posted onMay 11, 2023May 11, 2023

We will discuss and cover owner-occupant multi-family mortgage guidelines on two to four units. Any property between one to four…

Continue Reading Owner-Occupant Multi-Family Mortgage GuidelinesContinue

Conventional Loan With Non-Occupant Co-Borrower
Non-Occupant Co-Borrowers | Conventional Loans | Videos

Conventional Loan With Non-Occupant Co-Borrower

ByGustan Cho Posted onMay 10, 2023May 15, 2023

This blog will cover Fannie Mae and Freddie Mac guidelines on qualifying for a conventional loan with non-occupant co-borrower. Non-Occupant…

Continue Reading Conventional Loan With Non-Occupant Co-BorrowerContinue

Mortgage Lending Guidelines on Traditional Home Loans
Conventional Loans | FHA Loans | VA Loans | Videos

Mortgage Lending Guidelines on Traditional Home Loans

ByGustan Cho Posted onMay 1, 2023May 7, 2023

Conventional Loans also referred to as Conforming Loans are not guaranteed and/or insured by the federal government. Conventional Loans need to …..

Continue Reading Mortgage Lending Guidelines on Traditional Home LoansContinue

Buying House While In Chapter 13 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | FHA Loans | VA Loans | Videos

Buying House While In Chapter 13 Bankruptcy

ByGustan Cho Posted onMay 1, 2023May 3, 2023

In this blog, we will cover and discuss buying house while in Chapter 13 Bankruptcy. Chapter 13 Bankruptcy is a…

Continue Reading Buying House While In Chapter 13 BankruptcyContinue

Fannie Mae Bankruptcy and Foreclosure Guidelines
Conventional Loans | FHA Loans | VA Loans | Videos

Fannie Mae Bankruptcy and Foreclosure Guidelines

ByGustan Cho Posted onApril 21, 2023April 21, 2023

This guide will cover Fannie Mae bankruptcy and foreclosure guidelines The Fannie Mae bankruptcy and foreclosure guidelines require a mandatory…

Continue Reading Fannie Mae Bankruptcy and Foreclosure GuidelinesContinue

How Underwriters Calculate Debt-To-Income Ratio
High Debt To Income Ratio | Income And Employment | No-Ratio Mortgage Loans | NON-QM Loans | Videos

How Underwriters Calculate Debt-To-Income Ratio

ByGustan Cho Posted onApril 19, 2023April 19, 2023

This blog will cover how underwriters calculate debt-to-income ratio on mortgage loan programs. Every loan program has lending requirements on…

Continue Reading How Underwriters Calculate Debt-To-Income RatioContinue

FHA Loans After Unemployment Mortgage Guidelines
Gaps In Employment | FHA Loans | Income And Employment | Videos

FHA Loans After Unemployment Mortgage Guidelines

ByGustan Cho Posted onApril 18, 2023April 18, 2023

This blog will discuss qualifying for FHA loans after unemployment with gaps in employment mortgage guidelines. Homebuyers can now qualify…

Continue Reading FHA Loans After Unemployment Mortgage GuidelinesContinue

Employment Gaps Lending Guidelines For Mortgage Approval
Income And Employment | Videos

Employment Gaps Lending Guidelines For Mortgage Approval

ByGustan Cho Posted onApril 17, 2023April 18, 2023

This blog concerns qualifying for a mortgage and getting approved with employment gaps in the past two years. Many borrowers…

Continue Reading Employment Gaps Lending Guidelines For Mortgage ApprovalContinue

HUD Guidelines For Gift Funds on FHA Loans
FHA Loans | Videos

HUD Guidelines For Gift Funds on FHA Loans

ByGustan Cho Posted onApril 17, 2023April 17, 2023

This article will cover HUD guidelines for gift funds for home purchase transactions on FHA loans. We will also discuss…

Continue Reading HUD Guidelines For Gift Funds on FHA LoansContinue

Benefits and Negatives of Buying House Near Airport
Home Purchase | Home Mortgage | Real Estate Topic | Selling Your Home | Videos

Benefits and Negatives of Buying House Near Airport

ByGustan Cho Posted onApril 16, 2023May 24, 2023

In this blog, we will cover and discuss buying house near airport. Homebuyers need to consider the benefits and negatives…

Continue Reading Benefits and Negatives of Buying House Near AirportContinue

Getting a Mortgage With Bad Credit In Nevada
Bad Credit Mortgages | FHA Loans | VA Loans | Videos

Getting a Mortgage With Bad Credit In Nevada

ByGustan Cho Posted onApril 15, 2023April 15, 2023

This blog will discuss buying a home and getting a mortgage with bad credit in Nevada. Nevada has many amenities,…

Continue Reading Getting a Mortgage With Bad Credit In NevadaContinue

Role of Mortgage Loan Coordinator In The Mortgage Process
Mortgage Processing And Underwriting

Role of Mortgage Loan Coordinator In The Mortgage Process

ByGustan Cho Posted onApril 14, 2023June 2, 2023

In this guide, we will cover the role of mortgage loan coordinator in the mortgage process. When borrowers apply for…

Continue Reading Role of Mortgage Loan Coordinator In The Mortgage ProcessContinue

Buying Home Near Railroad Tracks and Resale Value
Home Purchase | Home Mortgage | Home Sellers | Videos

Buying Home Near Railroad Tracks and Resale Value

ByGustan Cho Posted onApril 12, 2023April 16, 2023

This article will discuss buying home near railroad tracks and its negative impact on the appreciation and resale value. There…

Continue Reading Buying Home Near Railroad Tracks and Resale ValueContinue

VA and FHA Streamline Refinance Mortgage Guidelines
Mortgage Refinance | FHA and VA Streamline Refinance | FHA Loans | VA Loans | Videos

VA and FHA Streamline Refinance Mortgage Guidelines

ByGustan Cho Posted onApril 8, 2023April 8, 2023

This article will cover VA and FHA streamline refinance mortgage guidelines. VA and FHA streamline refinance mortgage guidelines are almost…

Continue Reading VA and FHA Streamline Refinance Mortgage GuidelinesContinue

FHA Versus Conforming Loans Mortgage Lending Guidelines
FHA Loans | Conventional Loans | Student Loans | Videos

FHA Versus Conforming Loans Mortgage Lending Guidelines

ByGustan Cho Posted onApril 6, 2023April 25, 2023

This guide will cover the difference between FHA versus conforming loans. We will discuss FHA versus conforming loans mortgage lending…

Continue Reading FHA Versus Conforming Loans Mortgage Lending GuidelinesContinue

How Much House Can I Afford To Buy Versus Qualify
Bad Credit Mortgages | Home Mortgage | Home Purchase | Videos

How Much House Can I Afford To Buy Versus Qualify

ByGustan Cho Posted onApril 6, 2023April 28, 2023

In this guide, we will cover how much house can I afford versus qualify. First-time and seasoned home buyers must…

Continue Reading How Much House Can I Afford To Buy Versus QualifyContinue

FHA Loans In Las Vegas With Bad Credit
Bad Credit Mortgages | FHA Loans | Videos

FHA Loans In Las Vegas With Bad Credit

ByGustan Cho Posted onApril 4, 2023April 16, 2023

This blog will discuss getting approved for FHA loans in Las Vegas with bad credit and credit scores down to…

Continue Reading FHA Loans In Las Vegas With Bad CreditContinue

Mortgage Processing and Underwriting Process Leading to CTC
Mortgage Processing And Underwriting | Videos

Mortgage Processing and Underwriting Process Leading to CTC

ByGustan Cho Posted onMarch 19, 2023April 4, 2023

This guide will cover mortgage processing and underwriting, leading to the clear to close. Mortgage companies have different ways of…

Continue Reading Mortgage Processing and Underwriting Process Leading to CTCContinue

What Are My Mortgage Options Buying a House in Nevada
Bad Credit Mortgages | FHA Loans | First Time Home Buyers | Home Mortgage | Mortgage Rates | Videos

What Are My Mortgage Options Buying a House in Nevada

ByGustan Cho Posted onMarch 18, 2023April 24, 2023

This guide will cover getting approved when buying a house in Nevada. The housing market has cooled off throughout the…

Continue Reading What Are My Mortgage Options Buying a House in NevadaContinue

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    Gustan Cho Associates are mortgage brokers 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. You can rest assured any owner-occupant primary home, second home, or investment property mortgage loan program in the marketplace, you will find them offered at Gustan Cho Associates Talk to a loan officer today

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    • About Us
      • Contact Us
      • Get Pre-Approved
      • Order Credit
      • FICO Simulator
      • MLO License School
      • Why Choose Us
      • Meet Our Team
      • NEXA Career Opportunities
        • How To Brand Yourself as a Loan Officer
      • Preferred Realtor Partner Network
        • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
        • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
      • Loan Officers
        • Michael Gracz
        • Ronda Butts
    • Types Of Mortgages
      • Purchase
        • Home Purchase Loans
        • Investment Property Loan
      • Refinance
        • Refinance Mortgage Options
        • Cash-Out Refinance
        • Chapter 13 Bankruptcy Cash-Out-Buyout
        • Rate And Term Refinance
        • 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
      • DACA Mortgage Loans
      • 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
      • Condominium Loans
        • Warrantable Condos
        • Non-Warrantable Condos
        • 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
    • Testimonials
    • Talk To A Loan Officer