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VA Loans With Under 620 Credit Scores
VA Loans | Credit Scores | Videos

VA Loans With Under 620 Credit Scores Guidelines

ByGustan Cho Posted onJune 4, 2024January 31, 2025

In this article, we will discuss and explain the guidelines for VA loans with under 620 credit scores. VA loans…

Continue Reading VA Loans With Under 620 Credit Scores GuidelinesContinue

Buying a Home in Another State
First Time Home Buyers | Home Purchase | Real Estate Topic | Videos

Mortgage Qualifications for Buying a Home In Another State

ByGustan Cho Posted onJune 4, 2024August 30, 2024

This guide covers how to qualify for a mortgage by buying a home in another state. Buying a home in…

Continue Reading Mortgage Qualifications for Buying a Home In Another StateContinue

Conventional Loan After Short Sale vs Foreclosure
Bad Credit Mortgages | Conventional Loans | video

Conventional Loan After Short Sale vs Foreclosure Guidelines

ByGustan Cho Posted onJune 3, 2024August 30, 2024

This  guide covers conventioal loan after short sale vs foreclosure guidelines. Since 2008, millions of Americans have witnessed their equity…

Continue Reading Conventional Loan After Short Sale vs Foreclosure GuidelinesContinue

First Time Home Buying Process
Bad Credit Mortgages | Clear To Close | Home Purchase | Qualifying & Getting Pre-approved

First Time Home Buying Process Starts With Pre-Approval

ByGustan Cho Posted onJune 3, 2024June 28, 2024

This article discusses the first time home buying process, emphasizing that it starts with pre-approval. The initial step for those…

Continue Reading First Time Home Buying Process Starts With Pre-ApprovalContinue

Buying a House in Washington DC
Bad Credit Mortgages | Home Mortgages | video

Steps To Buying a House in Washington DC

ByGustan Cho Posted onMay 31, 2024August 30, 2024

In this blog, we will cover the frequently asked question of what are the steps to buying a house in…

Continue Reading Steps To Buying a House in Washington DCContinue

Second Home Guidelines
Conventional Loans | NON-QM Loans | Second Homes | Videos

Second Home Guidelines on Non-QM and Conventional Loans

ByGustan Cho Posted onMay 30, 2024August 29, 2024

This guide covers second home guidelines on non-QM and conventional loans. Second-home financing is different than investment properties. Homebuyers are…

Continue Reading Second Home Guidelines on Non-QM and Conventional LoansContinue

FHA AUS Approval Versus Manual Underwriting
Automated Underwriting System | FHA Loans | Manual Underwriting | Videos

FHA AUS Approval Versus Manual Underwriting On FHA Loans

ByGustan Cho Posted onMay 30, 2024August 29, 2024

This Article Is About FHA AUS Approval Versus Manual Underwriting On FHA Loans  HUD, the parent of the Federal Housing…

Continue Reading FHA AUS Approval Versus Manual Underwriting On FHA LoansContinue

Credit in Mortgage Process
Re-Establishing Credit | Bad Credit Mortgages | Credit Disputes | Credit Scores | Videos

Credit in Mortgage Process: Credit Scores vs Credit Report

ByGustan Cho Posted onMay 29, 2024March 11, 2025

This guide covers credit in mortgage process. We will cover the difference between credit scores vs credit reports. Credit in…

Continue Reading Credit in Mortgage Process: Credit Scores vs Credit ReportContinue

Non-QM And Bank Statement Mortgage
NON-QM Loans | Bank Statement Loans | Videos

Non-QM and Bank Statement Mortgage With NO Tax Returns

ByGustan Cho Posted onMay 29, 2024August 29, 2024

In this article, we will cover and discuss non-QM and bank statement mortgage with no income verification. Non-QM and bank…

Continue Reading Non-QM and Bank Statement Mortgage With NO Tax ReturnsContinue

Realtors Marketing Package For Home Buyers
Home Mortgages | Career Opportunities/Loan Officer Training | First Time Home Buyers | Mortgage Processing And Underwriting | Real Estate Topic | Videos

Realtors Marketing Package For Home Buyers

ByGustan Cho Posted onMay 28, 2024August 29, 2024

This guide covers realtors marketing package for home buyers, real estate agents and referral partners. Home buyers rely on their…

Continue Reading Realtors Marketing Package For Home BuyersContinue

How Does Mortgage Process Work
Mortgage Processing And Underwriting | Videos

How Does Mortgage Process Work After Being Pre-Approved

ByGustan Cho Posted onMay 28, 2024October 8, 2024

This guide covers how does mortgage process work after being pre-approved. Most folks consult with a loan officer when they…

Continue Reading How Does Mortgage Process Work After Being Pre-ApprovedContinue

Getting a Mortgage With Bad Credit in Nevada
Bad Credit Mortgages | FHA Loans | NON-QM Loans | VA Loans | Videos

Getting a Mortgage With Bad Credit in Nevada

ByGustan Cho Posted onMay 28, 2024November 4, 2024

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

Barndominiums
Barndominium | Videos

What Are Barndominiums

ByGustan Cho Posted onMay 18, 2024May 20, 2024

Barndominiums is a blend of a barn and barndominium. A barndominium is a portmanteau of “barn” and “barndominium.” Barndominiums are…

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Buying a Home From a Family Member
Home Mortgages | Gift of Equity | Videos

Buying a Home From a Family Member With a Gift of Equity

ByGustan Cho Posted onMay 15, 2024August 28, 2024

This guide covers buying a home from a family member with no down payment or closing costs with a gift…

Continue Reading Buying a Home From a Family Member With a Gift of EquityContinue

Investment Home Purchase
Condominium Loans | Investment Homes | NON-QM Loans | Videos

Financing Options For an Investment Home Purchase

ByGustan Cho Posted onMay 11, 2024August 28, 2024

This guide covers investmetn home pruchase mortgage guidelines. Investment home mortgage loans can be conventional or non-qm loans. Investment home…

Continue Reading Financing Options For an Investment Home PurchaseContinue

Fannie Mae HomePath Mortgage Loans
Home Mortgages

Fannie Mae HomePath Mortgage Loans

ByGustan Cho Posted onMay 10, 2024May 13, 2024

This Article On Fannie Mae HomePath Mortgage Was PUBLISHED On May  10, 2024. Fannie Mae is now offering the Fannie…

Continue Reading Fannie Mae HomePath Mortgage LoansContinue

FHA Back to Work Versus Other Loan Programs
Headline News Archives

Differences Of The FHA Back to Work Versus Other Loan Programs

ByGustan Cho Posted onMay 10, 2024August 28, 2024

This Article Is About FHA Back to Work Versus Other Loan Programs  With traditional loans such a government loans and…

Continue Reading Differences Of The FHA Back to Work Versus Other Loan ProgramsContinue

Homeowner Tax Benefits On Home Purchase Versus Renting
Home Purchase | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Home Purchase Versus Renting Home

ByGustan Cho Posted onMay 9, 2024December 13, 2024

This guide covers home purchase versus renting for homebuyers. There are many added benefits to a home purchase versus renting…

Continue Reading Home Purchase Versus Renting HomeContinue

Reasons For Foreclosures By Homeowners On Mortgage Loans
Mortgage After Bankruptcy and Foreclosure | declining income | Videos

The Main Reasons For Foreclosures

ByGustan Cho Posted onMay 6, 2024May 14, 2024

This guide covers the reasons for foreclosures. The ability to repay is the most important factor lenders consider when approving…

Continue Reading The Main Reasons For ForeclosuresContinue

Mortgage Denied By a Bank
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How To Avoid Mortgage Denied By a Bank

ByGustan Cho Posted onMay 3, 2024April 7, 2025

Choosing the right lender with no lender overlays is the key on how to avoid mortgage denial

Continue Reading How To Avoid Mortgage Denied By a BankContinue

Rapid Rescore During Mortgage Process
Credit Scores | Videos

Rapid Rescore During Mortgage Process And How It Works

ByGustan Cho Posted onMay 3, 2024August 23, 2024

In this blog post, we will discuss the concept and procedure of rapid rescore during mortgage process. Consumer credit profiles are…

Continue Reading Rapid Rescore During Mortgage Process And How It WorksContinue

Fannie Mae vs HUD Guidelines on Prior Mortgage in Bankruptcy
Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Fannie Mae vs HUD Guidelines Mortgage in Bankruptcy

ByGustan Cho Posted onMay 2, 2024August 23, 2024

If you have a mortgage included in a bankruptcy, the waiting period guidelines are more favorable on conventional versus FHA loans

Continue Reading Fannie Mae vs HUD Guidelines Mortgage in BankruptcyContinue

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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
      • 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
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer
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