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Gustan Cho Associates
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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Mortgage with Low Credit Scores in Vermont
Bad Credit Mortgages

No Stress Mortgage With Low Credit Scores in Vermont

ByGustan Cho Posted onAugust 22, 2025September 2, 2025

Mortgage With Low Credit Scores in Vermont: Your 2025 Guide Buying a home is a big dream for many Vermonters….

Continue Reading No Stress Mortgage With Low Credit Scores in VermontContinue

Mortgage with Disability Income
Income And Employment | Videos

How To Qualify for a Mortgage With Disability Income

ByGustan Cho Posted onAugust 21, 2025September 2, 2025

Mortgage With Disability Income: How to Qualify in 2025 Buying a home when most or all of your income comes…

Continue Reading How To Qualify for a Mortgage With Disability IncomeContinue

Owner-Occupied To Investment Home & Buying New Home
Bad Credit Mortgages

Owner-Occupied To Investment Home Mortgage Guidelines

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss turning an owner-occupied to investment home. The exiting home will turn into…

Continue Reading Owner-Occupied To Investment Home Mortgage GuidelinesContinue

Online Mortgage Shopping
Home Mortgages

Online Mortgage Shopping Changed Mortgage Lending

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss how online mortgage shopping changed mortgage lending. The greatest benefits of online…

Continue Reading Online Mortgage Shopping Changed Mortgage LendingContinue

How Credit Scoring Works
Videos

How Credit Scoring Works in the Mortgage Process

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss how credit scoring works in the mortgage process. How credit scoring works…

Continue Reading How Credit Scoring Works in the Mortgage ProcessContinue

Conventional Versus Government-Backed Mortgages
Videos

Conventional Versus Government-Backed Mortgages

ByGustan Cho Posted onAugust 20, 2025September 2, 2025

Conventional Versus Government-Backed Mortgages: Which Loan Fits You Best? When you’re buying a home, one of the first big decisions…

Continue Reading Conventional Versus Government-Backed MortgagesContinue

What are FHA Loan Limits For One-to-Four Unit Properties
FHA Loans

What Are The FHA Loan Limits For One-to-Four Unit Properties in Illinois

ByGustan Cho Posted onAugust 19, 2025August 20, 2025

This guide covers what are the FHA loan limits for one-to-four unit properties in Illinois. FHA loan limits for one-to-four…

Continue Reading What Are The FHA Loan Limits For One-to-Four Unit Properties in IllinoisContinue

Negative Income With Co-Borrowers
Income And Employment

Negative Income With Co-Borrowers Mortgage Guidelines

ByGustan Cho Posted onAugust 19, 2025August 20, 2025

This guide covers negative income with co-borrowers mortgage guidelines. HUD, the parent of FHA, allows non-occupant co-borrowers to be added…

Continue Reading Negative Income With Co-Borrowers Mortgage GuidelinesContinue

VA Loans For First Time Veteran Home Buyers With No Overlays
VA Loans

VA Loans For First Time Veteran Home Buyers With No Overlays

ByGustan Cho Posted onAugust 19, 2025August 21, 2025

In this blog, we will discuss and cover VA loans for first-time home buyers with no lender overlays. The United…

Continue Reading VA Loans For First Time Veteran Home Buyers With No OverlaysContinue

Charge-Off Accounts With Balances
Re-Establishing Credit

How Do Underwriters View Charge Off Accounts With Balances

ByGustan Cho Posted onAugust 18, 2025September 2, 2025

Can You Get a Mortgage With Charge-Off Accounts With Balances? If you’re trying to buy a home but your credit…

Continue Reading How Do Underwriters View Charge Off Accounts With BalancesContinue

How to Negotiate a Home Purchase
Home Purchase | Real Estate Topic | Videos

How To Negotiate a Home Purchase Prior To Signing Contract

ByGustan Cho Posted onAugust 18, 2025September 2, 2025

Why Knowing How to Negotiate a Home Purchase Matters in 2025 Buying a home is an important financial choice. In…

Continue Reading How To Negotiate a Home Purchase Prior To Signing ContractContinue

Difference Between Mortgage Lender versus Servicer
Mortgage Processing And Underwriting

Difference Between Mortgage Lender versus Servicer

ByGustan Cho Posted onAugust 18, 2025August 20, 2025

This guide covers the difference between mortgage lender versus servicer. What are the major difference between mortgage lender versus servicer?…

Continue Reading Difference Between Mortgage Lender versus ServicerContinue

Fannie Mae Guidelines Mortgage After Short Sale
Mortgage After Bankruptcy and Foreclosure

Fannie Mae Guidelines Mortgage After Short Sale

ByGustan Cho Posted onAugust 18, 2025August 19, 2025

This guide covers Fannie Mae guidelines mortgage after short sale and deed-in-lieu of foreclosure. Fannie Mae guidelines mortgage after short…

Continue Reading Fannie Mae Guidelines Mortgage After Short SaleContinue

VA Lender Overlays
VA Loans

VA Lender Overlays – What Veterans Need to Know in 2025

ByGustan Cho Posted onAugust 18, 2025August 19, 2025

This guide covers VA lender overlays- What Veterans need to know in 2025. Veteran homebuyers who are looking for lenders…

Continue Reading VA Lender Overlays – What Veterans Need to Know in 2025Continue

When Rent When You Can Own a Home
FHA Loans | First Time Home Buyers | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Why Rent When You Can Own a Home With DPA

ByGustan Cho Posted onAugust 18, 2025August 27, 2025

Introduction: Why Rent When You Can Own a Home? Renters across the U.S. ask the same question in 2025: Why…

Continue Reading Why Rent When You Can Own a Home With DPAContinue

Conventional Loan 101 For New Loan Officers
Bad Credit Mortgages

Conventional Loan 101 For New Loan Officers and Borrowers

ByGustan Cho Posted onAugust 18, 2025August 27, 2025

This guide covers conventional loan 101 for new loan officers and borrowers. I like to congratulate those who recently took…

Continue Reading Conventional Loan 101 For New Loan Officers and BorrowersContinue

Why Opening New Credit Cards Raise Scores
Re-Establishing Credit

Why Opening New Credit Cards Raise Scores for Mortgage Approval

ByGustan Cho Posted onAugust 17, 2025August 18, 2025

This guide covers why opening new credit cards raise scores to qualify and get approved for mortgage loan approval. The…

Continue Reading Why Opening New Credit Cards Raise Scores for Mortgage ApprovalContinue

VA Employment History Guidelines
Income And Employment

VA Employment History Guidelines on VA Loans

ByGustan Cho Posted onAugust 17, 2025August 18, 2025

This guide covers VA employment history guidelines on VA loans. VA loans is the best loan program in the U.S….

Continue Reading VA Employment History Guidelines on VA LoansContinue

Reserve Requirements on a Home Loan
Home Mortgages

Reserve Requirements on a Home Loan By Mortgage Lenders

ByGustan Cho Posted onAugust 15, 2025August 18, 2025

Reserve Requirements on a Home Loan: 2025 Guide for Homebuyers If you’re planning to buy a home or refinance, you…

Continue Reading Reserve Requirements on a Home Loan By Mortgage LendersContinue

Jumbo Loans After Foreclosure
Jumbo Loans

Jumbo Loans After Foreclosure: Proven Fast-Track Plan

ByGustan Cho Posted onAugust 15, 2025September 2, 2025

Jumbo Loans After Foreclosure (2025 Guide): Buy Big Again—Sooner, Smarter, With a Plan If you lost a home in the…

Continue Reading Jumbo Loans After Foreclosure: Proven Fast-Track PlanContinue

Buying an Older Home
Home Purchase

Things to Keep in Mind When Buying an Older Home

ByGustan Cho Posted onAugust 14, 2025August 15, 2025

This blog covers things to keep in mind when looking at buying an older home. There are many reasons why…

Continue Reading Things to Keep in Mind When Buying an Older HomeContinue

FHA versus Conforming Mortgage Rates
Bad Credit Mortgages

FHA versus Conforming Mortgage Rates

ByGustan Cho Posted onAugust 13, 2025August 21, 2025

This guide covers FHA versus conforming mortgage rates. There are several types of mortgage loan programs: two types of home…

Continue Reading FHA versus Conforming Mortgage RatesContinue

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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

  • Washington DC Lenders
    Washington DC Lenders For Traditional and Non-QM MortgagesSeptember 12, 2025
  • Mortgage Escrow Account
    What is a Mortgage Escrow Account for Purchase and RefinanceSeptember 11, 2025
  • Colorado VA Lenders
    Colorado VA Lenders For Bad Credit With No Lender OverlaysSeptember 10, 2025
  • Mortgage Guidelines After Unemployment
    Mortgage Guidelines After Unemployment You Can TrustSeptember 10, 2025

DTI Calculators

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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 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 Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • 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 Bad Credit Scores
    • 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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