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HUD Bankruptcy Guidelines
Videos | Bad Credit Mortgages | Compensating Factors | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Re-Establishing Credit

HUD Bankruptcy Guidelines After Chapter 7 And Chapter 13

ByGustan Cho Posted onMarch 13, 2024April 26, 2024

This article will discuss HUD bankruptcy guidelines following Chapter 7 and Chapter 13 bankruptcy, particularly about FHA loans. HUD Bankruptcy…

Continue Reading HUD Bankruptcy Guidelines After Chapter 7 And Chapter 13Continue

Statute of Limitations on Debt and Judgments
Judgment | Charge Off Accounts | Collection Accounts | Videos

Statute of Limitations on Debt and Judgments

ByGustan Cho Posted onMarch 13, 2024August 8, 2024

In this blog, we will cover and discuss the statute of limitations on debt and judgments. Thousands of hard-working people…

Continue Reading Statute of Limitations on Debt and JudgmentsContinue

How Do Mortgage Underwriters Qualify Borrowers
Home Mortgages | Automated Underwriting System | Conditional Loan Approval | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How Do Mortgage Underwriters Qualify Borrowers

ByGustan Cho Posted onMarch 11, 2024October 8, 2024

In this blog, we will cover and discuss how do mortgage underwriters qualify borrowers. Credit scores and income is what…

Continue Reading How Do Mortgage Underwriters Qualify BorrowersContinue

What are the 15-year and 30-year mortgage loans in loan programs
Home Mortgages | Mortgage Refinance | Videos

15 Year Versus 30 Year Fixed Rate Mortgages Comparison

ByGustan Cho Posted onMarch 9, 2024August 22, 2024

This ARTICLE On 15 Year Versus 30 Year Fixed Rate Mortgages On Loan Programs. All residential mortgage loan programs have…

Continue Reading 15 Year Versus 30 Year Fixed Rate Mortgages ComparisonContinue

Sell and Buy House at Same Time During Chapter 13 Bankruptcy
FHA Loans | Home Possible | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Selling Your Home | Videos

How to Buy and Sell a House While in Chapter 13 Bankruptcy

ByGustan Cho Posted onMarch 8, 2024August 8, 2024

In this blog, we will cover and discuss how to buy and sella house while in Chapter 13 Bankruptcy. Borrowers…

Continue Reading How to Buy and Sell a House While in Chapter 13 BankruptcyContinue

Benefits of Refinance Mortgage
Mortgage Refinance | Refinancing | Videos

What Are The Benefits of Refinance Mortgage

ByGustan Cho Posted onMarch 8, 2024August 8, 2024

This guide covers the benefits of refinance mortgage loans. There are many benefits of refinance mortgage. Although the Federal Reserve…

Continue Reading What Are The Benefits of Refinance MortgageContinue

Types of Residential Lending
Bad Credit Mortgages | Conventional Loans | FHA Loans | NON-QM Loans | USDA Loans | VA Loans | Videos

The Types of Residential Lending for Borrowers With Bad Credit

ByGustan Cho Posted onMarch 8, 2024August 8, 2024

This guide covers the different types of residential lending for homebuyers with bad credit out in todays marketplace for owner-occupant…

Continue Reading The Types of Residential Lending for Borrowers With Bad CreditContinue

FHA and VA Amendatory Clause
Appraisal | FHA Loans | Home Purchase | VA Loans | Videos

Understanding the FHA and VA Amendatory Clause

ByGustan Cho Posted onMarch 7, 2024August 8, 2024

This guide deep dives into the significance of the FHA and VA Amendatory Clause. We will explore the implications of…

Continue Reading Understanding the FHA and VA Amendatory ClauseContinue

Can I Qualify For FHA Loan With Tax Lien
FHA Loans | Mortgage With Late Payments | Videos

Can I Qualify For FHA Loan With Tax Lien

ByGustan Cho Posted onMarch 6, 2024August 27, 2024

In this article, we will cover and discuss the frequently asked question can I qualify for FHA loan with tax…

Continue Reading Can I Qualify For FHA Loan With Tax LienContinue

Mortgage with Recent Derogatory Credit
Videos | Bad Credit Mortgages | Mortgage After Bankruptcy and Foreclosure | Mortgage With Late Payments | NON-QM Loans | Re-Establishing Credit

Mortgage With Recent Derogatory Credit in the Past 12 Months

ByGustan Cho Posted onMarch 5, 2024August 8, 2024

In this article, we will cover and discuss qualifying for a mortgage with recent derogatory credit with our non-QM loan…

Continue Reading Mortgage With Recent Derogatory Credit in the Past 12 MonthsContinue

Waiting Period To Qualify For a Mortgage
Mortgage After Bankruptcy and Foreclosure | Videos

Waiting Period to Qualify For a Mortgage After Foreclosure

ByGustan Cho Posted onMarch 5, 2024August 8, 2024

This guide cover the waiting period to qualify for a mortgage loan after foreclosure. Homeowners who had a prior foreclosure…

Continue Reading Waiting Period to Qualify For a Mortgage After ForeclosureContinue

Property Tax Proration VA Guidelines
Property Taxes | Real Estate Topic | VA Loans | Videos

Property Tax Proration VA Guidelines on VA Home Loans

ByGustan Cho Posted onMarch 4, 2024September 23, 2024

This guide covers property tax proration VA guidelines on VA home loans. There are certain states where property taxes are…

Continue Reading Property Tax Proration VA Guidelines on VA Home LoansContinue

Multiple Offers on Home Purchase
Home Purchase | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Buyers Solutions to Multiple Offers on Home Purchase

ByGustan Cho Posted onMarch 4, 2024March 5, 2024

This guide covers buyers solutions to multiple offers on home purchase. There was a time where there were tons of…

Continue Reading Buyers Solutions to Multiple Offers on Home PurchaseContinue

Paying Rent Timely Will Help Get Mortgage Approved
Automated Underwriting System | First Time Home Buyers | Manual Underwriting | Verification Of Rent | Videos

Paying Rent Timely Will Help Get a Mortgage Approved

ByGustan Cho Posted onMarch 4, 2024August 8, 2024

This guide covers how paying rent timely will help get a mortgage approved. Homebuyers who have little to no credit…

Continue Reading Paying Rent Timely Will Help Get a Mortgage ApprovedContinue

Jumbo Florida Mortgage
Jumbo Loans | NON-QM Loans | Videos

The Best Jumbo Florida Mortgage Lenders For Non-QM Loans

ByGustan Cho Posted onMarch 2, 2024August 8, 2024

This guide covers the best Jumbo Florida mortgage lenders. for prime and non-QM loans. The Florida housing market is hot…

Continue Reading The Best Jumbo Florida Mortgage Lenders For Non-QM LoansContinue

Continuation of Income Guidelines
Income And Employment | Videos

Continuation of Income Guidelines of Mortgage Lenders

ByGustan Cho Posted onMarch 2, 2024March 4, 2024

This guide covers continuation of income guidelines of mortgage lenders. The ability to repay is one of the most important…

Continue Reading Continuation of Income Guidelines of Mortgage LendersContinue

Things to Know Before Filing Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Things To Know Before Filing Bankruptcy

ByGustan Cho Posted onMarch 2, 2024March 29, 2024

This guide cover the things to know before filing bankruptcy for future homebuyers. There are things to know before filing…

Continue Reading Things To Know Before Filing BankruptcyContinue

Qualifying Income
Income And Employment | Videos

What is Considered Qualifying Income For Mortgage Loans

ByGustan Cho Posted onMarch 2, 2024March 2, 2024

This guide covers the types of income that mortgage lenders consider qualifying income can use for mortgage loans. Not all…

Continue Reading What is Considered Qualifying Income For Mortgage LoansContinue

Multiple FHA loans
FHA Loans | Real Estate Topic | Videos

HUD Guidelines on Multiple FHA Loans at Same Time

ByGustan Cho Posted onMarch 1, 2024August 27, 2024

This guide covers HUD mortgage guidelines on having multiple FHA loans at the same time. One of the most frequently…

Continue Reading HUD Guidelines on Multiple FHA Loans at Same TimeContinue

Changing Lenders During Underwriting Process
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Changing Lenders During Underwriting Process

ByGustan Cho Posted onMarch 1, 2024July 3, 2024

This guide covers changing lenders during underwriting process before closing. The mortgage approval process does not have to be stressful…

Continue Reading Changing Lenders During Underwriting ProcessContinue

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 onFebruary 29, 2024April 7, 2025

This blog post will explore Buying House While In Chapter 13 Bankruptcy. Chapter 13 Bankruptcy involves a structured five-year repayment…

Continue Reading Buying House While In Chapter 13 BankruptcyContinue

Two FHA Loans At The Same Time
FHA Loans | Home Purchase | Income And Employment | Investment Homes | Real Estate Topic | Videos

Can I Have Two FHA Loans at The Same Time

ByGustan Cho Posted onFebruary 28, 2024August 8, 2024

This guide explains the requirements for obtaining two FHA loans at the same time. This is important information for those…

Continue Reading Can I Have Two FHA Loans at The Same TimeContinue

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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

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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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