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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
      • 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
    • How to Get DACA Mortgage Loans Without the Stress
    • 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
    • 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
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    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
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FHA Loans in Las Vegas
Bad Credit Mortgages | FHA Loans | Videos

FHA Loans In Las Vegas With Bad Credit

ByGustan Cho Posted onApril 19, 2024August 21, 2024

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

FHA Amendatory Clause
Appraisal | FHA Loans | Home Mortgages | video

What Is The FHA Amendatory Clause And Who Is Obligated To Sign It

ByGustan Cho Posted onApril 18, 2024August 21, 2024

The Federal Housing Administration (FHA), a segment of the United States Department of Housing and Urban Development, was established in…

Continue Reading What Is The FHA Amendatory Clause And Who Is Obligated To Sign ItContinue

580 Score VA Financing With No Lender Overlays
VA Loans | Credit Scores | Mortgage Processing And Underwriting | Videos

580 Score VA Financing With No Lender Overlays

ByGustan Cho Posted onApril 18, 2024August 21, 2024

This guide covers 580 score VA financing for eligible veteran homebuyers and homeowners. The team at Gustan Cho Associates are…

Continue Reading 580 Score VA Financing With No Lender OverlaysContinue

Freddie Mac Asset Depletion
Conventional Loans | NON-QM Loans | Videos

Freddie Mac Asset Depletion Mortgage Lending Guidelines

ByGustan Cho Posted onApril 17, 2024January 22, 2025

Can you get a Freddie Mac mortgage if you have lots of investments or savings but little or no income? In many cases, you can convert assets into income (for mortgage qualifying purposes) by using asset depletion.

Continue Reading Freddie Mac Asset Depletion Mortgage Lending GuidelinesContinue

Fannie Mae Chapter 13 Guidelines
Mortgage After Bankruptcy and Foreclosure | Bankruptcy | FHA Loans | Manual Underwriting | VA Loans | video

Fannie Mae Chapter 13 Guidelines On Conventional Loans

ByGustan Cho Posted onApril 17, 2024August 19, 2024

After experiencing financial difficulties, it can be overwhelming to navigate the intricacies of mortgage lending. The process can be complex…

Continue Reading Fannie Mae Chapter 13 Guidelines On Conventional LoansContinue

Excluding Debts From Co-Signed Loans To Qualify For Mortgage
High Debt To Income Ratio | Income And Employment | Videos

Excluding Debts From Co-Signed Loans To Qualify For Mortgage

ByGustan Cho Posted onApril 16, 2024April 7, 2025

This guide covers excluding debts from co-signed loans to qualify for mortgage loans. Mortgage borrowers who are co-signers on debts…

Continue Reading Excluding Debts From Co-Signed Loans To Qualify For MortgageContinue

California FHA Loans
Home Mortgages | FHA Loans | First Time Home Buyers | VA Loans | video

California FHA Loans Versus Other Mortgage Options For Homebuyers

ByGustan Cho Posted onApril 16, 2024April 7, 2025

California FHA loans are a preferred mortgage solution for various borrowers, including first-time homebuyers, individuals with poor credit, and those…

Continue Reading California FHA Loans Versus Other Mortgage Options For HomebuyersContinue

Difference Between a Job Versus a Career
Career Opportunities/Loan Officer Training | Videos

Difference Between a Job Versus a Career As a Loan Officer

ByGustan Cho Posted onApril 15, 2024August 19, 2024

What is the difference between a job versus a career? Is my job a career? What is the difference between…

Continue Reading Difference Between a Job Versus a Career As a Loan OfficerContinue

FHA Mortgage Guidelines on Credit Disputes
Charge Off Accounts | Collection Accounts | Credit Disputes | FHA Loans | Videos

FHA Mortgage Guidelines on Credit Disputes

ByGustan Cho Posted onApril 15, 2024August 19, 2024

This blog will discuss FHA mortgage guidelines on credit disputes during the mortgage process. In general, you cannot have credit…

Continue Reading FHA Mortgage Guidelines on Credit DisputesContinue

Can I Buy a House in South Dakota With Poor Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Qualifying & Getting Pre-approved | VA Loans | Videos

Can I Buy a House in South Dakota With Poor Credit

ByGustan Cho Posted onApril 12, 2024August 19, 2024

In this blog, we’ll address the common inquiry: Can I buy a house in South Dakota with poor credit and…

Continue Reading Can I Buy a House in South Dakota With Poor CreditContinue

Appraisal Transfer Policy
Appraisal | First Time Home Buyers | Videos

Appraisal Transfer Policy From One Lender To Another

ByGustan Cho Posted onApril 10, 2024January 23, 2025

This blog will discuss the appraisal transfer policy from one lender to another when a borrower changes mortgage lenders. As…

Continue Reading Appraisal Transfer Policy From One Lender To AnotherContinue

Property Taxes on New Construction Homes
Property Taxes | Home Purchase | One-Time Close Construction Loans | Videos

How Property Taxes on New Construction Homes Are Calculated

ByGustan Cho Posted onApril 10, 2024January 22, 2025

This blog will discuss how mortgage underwriters calculate property taxes on new construction homes. Property taxes on new construction homes…

Continue Reading How Property Taxes on New Construction Homes Are CalculatedContinue

Bank Statement Deposit Only Mortgage
Bank Statement Loans | NON-QM Loans | Videos

Bank Statement Deposit Only Mortgage For Self-Employed Borrowers

ByGustan Cho Posted onApril 9, 2024October 8, 2024

This blog will discuss and cover bank statement deposit only mortgage for self-employed borrowers with no income tax returns required….

Continue Reading Bank Statement Deposit Only Mortgage For Self-Employed BorrowersContinue

FHA Loan With Low Credit Scores
Bad Credit Mortgages | Credit Scores | FHA Loans | Videos

FHA Loan With Low Credit Scores Mortgage Guidelines

ByGustan Cho Posted onApril 9, 2024August 16, 2024

This article covers qualifying for an FHA loan with low credit scores mortgage guidelines for 2024. FHA loans are the…

Continue Reading FHA Loan With Low Credit Scores Mortgage GuidelinesContinue

Credit Report vs Credit Scores
Home Mortgages | Credit Disputes | Credit Scores | Videos

How Underwriters Look at Credit Report vs Credit Scores

ByGustan Cho Posted onApril 9, 2024April 7, 2025

This blog will cover how mortgage underwriters look at credit report vs credit scores. Minimum credit scores are required to…

Continue Reading How Underwriters Look at Credit Report vs Credit ScoresContinue

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

12 Month Bank Statement Mortgage For Self-Employed Borrowers

ByGustan Cho Posted onApril 8, 2024August 16, 2024

This article covers 12 Month Bank Statement Mortgage For Self-Employed Borrowers Until recently, most self-employed home buyers had a difficult…

Continue Reading 12 Month Bank Statement Mortgage For Self-Employed BorrowersContinue

QM Qualified Mortgages
Home Mortgages | Home Purchase | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Regulations | Videos

How Qualified Mortgages Affect Borrowers and Lenders

ByGustan Cho Posted onApril 8, 2024August 16, 2024

This guide covers how qualified mortgages affect borrowers and lenders on residential loans. To avoid another 2008 financial crisis, Congress…

Continue Reading How Qualified Mortgages Affect Borrowers and LendersContinue

FHA Loan After Chapter 13 Bankruptcy in North Dakota
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | Videos

FHA Loan After Chapter 13 Bankruptcy in North Dakota

ByGustan Cho Posted onApril 7, 2024April 10, 2024

In this blog, we will discuss and cover the mortgage guidelines for getting qualified and approved for an FHA loan…

Continue Reading FHA Loan After Chapter 13 Bankruptcy in North DakotaContinue

Portfolio Loan Programs
NON-QM Loans | Videos

What are Portfolio Loan Programs

ByGustan Cho Posted onApril 5, 2024April 10, 2024

This guide covers portfolio loan programs. We will cover what a portfolio loan is. We will compare the benefit of…

Continue Reading What are Portfolio Loan ProgramsContinue

Bankruptcy Manual Underwriting Guidelines
Manual Underwriting | FHA Loans | Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

Bankruptcy Manual Underwriting Guidelines on FHA and VA Loans

ByGustan Cho Posted onApril 5, 2024August 16, 2024

The bankruptcy manual underwriting guidelines on FHA and VA loans are covered in this guide, which focuses on the exclusive…

Continue Reading Bankruptcy Manual Underwriting Guidelines on FHA and VA LoansContinue

North Carolina FHA Lenders For Bad Credit
FHA Loans | Bad Credit Mortgages | Mortgage Lender Overlays | Mortgage Processing And Underwriting

North Carolina FHA Lenders For Bad Credit with No Overlays

ByGustan Cho Posted onApril 5, 2024October 8, 2024

In this blog post, we’ll discuss qualifying for FHA loans with top North Carolina FHA lenders for bad credit. It’s…

Continue Reading North Carolina FHA Lenders For Bad Credit with No OverlaysContinue

Mortgage With Multiple Jobs
Income And Employment | Gaps In Employment | Home Mortgages | Videos

How To Calculate Income For Mortgage With Multiple Jobs

ByGustan Cho Posted onApril 4, 2024January 29, 2025

This blog will cover and discuss how to calculate income for mortgage with multiple jobs. Homebuyers can qualify for a…

Continue Reading How To Calculate Income For Mortgage With Multiple JobsContinue

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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

DTI Calculators

  • FHA DTI Calculator
  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limits

Subsidiary Sites

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  • GCA Mortgage Group
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Resources

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  • FICO Simulator
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  • DTI Mortgage Calculator
  • Documents Required For Mortgage Process
  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
  • Contribute To GCA Mortgage Group
  • GCA Approves When Others Can’t
  • Mortgage Guides and Home Loan Options
  • How To Un-Freeze a Credit File?
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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