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Home / Gustan Cho - Page 25
When Is The Right Time To Buy a Home With High Rates
Home Purchase | Mortgage Rates | Real Estate Topic | Videos

When Is The Right Time To Buy a Home With High Rates

ByGustan Cho Posted onJune 29, 2023June 28, 2024

This guide covers when the right time to buy a home with high mortgage rates, skyrocketing home prices, and soaring…

Continue Reading When Is The Right Time To Buy a Home With High RatesContinue

Steps To Buying Your First Home
Home Purchase | First Time Home Buyers | Mortgage Processing And Underwriting | Videos

Steps To Buying Your First Home During a Booming Housing Market

ByGustan Cho Posted onJune 28, 2023July 25, 2024

This guide covers the steps to buying your first home during a booming housing market. Buying your first home during…

Continue Reading Steps To Buying Your First Home During a Booming Housing MarketContinue

Mortgage Pre-Approval Issued By Mortgage Underwriters
Home Mortgages | Conditional Loan Approval | Mortgage Processing And Underwriting | Videos

How Is a Mortgage Pre-Approval Issued By Lenders

ByGustan Cho Posted onJune 26, 2023July 25, 2024

This guide covers mortgage pre-approval issued by underwriters. Over 80% of our borrowers at Gustan Cho Associates are folks who…

Continue Reading How Is a Mortgage Pre-Approval Issued By LendersContinue

Rate of Inflation Is Another Factor on How Lenders Price Mortgage Rates
Mortgage Rates

How Lenders Price Mortgage Rates

ByGustan Cho Posted onJune 24, 2023June 14, 2024

Many borrowers are confused about how lenders price mortgage rates. How can mortgage rates just under 3.0% just a little…

Continue Reading How Lenders Price Mortgage RatesContinue

UPDATED Non-QM Guidelines POST Coronavirus Outbreak
NON-QM Loans | Headline News Archives | Videos

UPDATED Non-QM Guidelines POST Coronavirus Outbreak

ByGustan Cho Posted onJune 24, 2023July 25, 2024

This guide covers the updated non-QM guidelines post-coronavirus outbreak and political scare. Non-QM guidelines are not uniform agency lending guidelines…

Continue Reading UPDATED Non-QM Guidelines POST Coronavirus OutbreakContinue

Income Guidelines To Qualify For Home Loan
Income And Employment | Videos

Income Guidelines To Qualify For Home Loan Programs

ByGustan Cho Posted onJune 24, 2023March 18, 2024

This guide covers qualifying income guidelines to qualify for home loan. There are federal income guidelines to qualify for home…

Continue Reading Income Guidelines To Qualify For Home Loan ProgramsContinue

FNMA Guidelines
Conventional Loans | Mortgage After Bankruptcy and Foreclosure | Videos

FHFA FNMA Guidelines UPDATE on Conventional Loans

ByGustan Cho Posted onJune 23, 2023July 25, 2024

This guide covers the FHFA FNMA Guidelines updates on Conventional loans. There are FNMA guidelines changes for mortgage loan borrowers…

Continue Reading FHFA FNMA Guidelines UPDATE on Conventional LoansContinue

Why 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 onJune 18, 2023May 24, 2024

This guide covers why rent when you can own a home. We will discuss the advantages of owning versus renting…

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

What is Lender-Paid Mortgage Insurance
Mortgage Insurance | Conventional Loans | Videos

What Is Lender-Paid Mortgage Insurance on Conventional Loans

ByGustan Cho Posted onJune 18, 2023October 8, 2024

In this guide, we will cover what is lender-paid mortgage insurance on conventional loans. Lender-paid mortgage insurance is also referred…

Continue Reading What Is Lender-Paid Mortgage Insurance on Conventional LoansContinue

Types Of Commercial Lending
Commercial Loans | Real Estate Topic | Videos

Types of Commercial Lending For Real Estate Investors

ByGustan Cho Posted onJune 1, 2023July 24, 2024

In this guide on types of commercial lending, we will cover the various commercial loans available at Gustan Cho Associates…

Continue Reading Types of Commercial Lending For Real Estate InvestorsContinue

Mortgage Lending Guidelines On Government Versus Conventional Loans
Conventional Loans | FHA Loans | VA Loans | Videos

Mortgage Lending Guidelines on Traditional Home Loans

ByGustan Cho Posted onMay 1, 2023April 7, 2025

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

Role of Mortgage Loan Coordinator
Mortgage Processing And Underwriting

Role of Mortgage Loan Coordinator In The Mortgage Process

ByGustan Cho Posted onApril 14, 2023July 24, 2024

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

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, 2023July 24, 2024

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 Mortgages | Home Purchase | Videos

How Much House Can I Afford To Buy Versus Qualify

ByGustan Cho Posted onApril 6, 2023July 24, 2024

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

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

Down Payment Assistance
First Time Home Buyers

How Does Down Payment Assistance Work

ByGustan Cho Posted onApril 2, 2023December 26, 2024

In this guide, we will cover what down payment assistance is and how it works. We will discuss how down…

Continue Reading How Does Down Payment Assistance WorkContinue

Mortgage for First-Time Home Buyers
Bad Credit Mortgages | First Time Home Buyers | Home Purchase | Videos

Mortgage for First-Time Home Buyers with Bad Credit

ByGustan Cho Posted onMarch 17, 2023July 24, 2024

Borrowers with prior outstanding collections, charged-off accounts, and other bad credit can qualify for a mortgage without paying them off. The key to qualifying for a mortgage is not prior bad credit but timely payments.

Continue Reading Mortgage for First-Time Home Buyers with Bad CreditContinue

Credit Score Needed For Mortgage
Home Mortgages | Credit Scores | FHA Loans | Videos

Credit Score Needed For Mortgage on Home Loans

ByGustan Cho Posted onFebruary 7, 2023July 24, 2024

This blog will cover the credit score needed for mortgage on home loans. We will cover the frequently asked question…

Continue Reading Credit Score Needed For Mortgage on Home LoansContinue

Underwriting Credit Guidelines During The Mortgage Process
Mortgage Processing And Underwriting | Videos

Underwriting Credit Guidelines During Mortgage Process

ByGustan Cho Posted onJanuary 29, 2023July 24, 2024

This article will cover underwriting credit guidelines during the mortgage process. Mortgage borrowers should not stress during the mortgage process….

Continue Reading Underwriting Credit Guidelines During Mortgage ProcessContinue

Alternative Lending & NON-QM Mortgage Guidelines
Bank Statement Loans | Doctor and Medical Professional Mortgages | No-Ratio Mortgage Loans | NON-QM Loans | Videos

Alternative Lending Mortgage Options For Bad Credit

ByGustan Cho Posted onJanuary 25, 2023July 24, 2024

Thanks to alternative lending mortgage options, homebuyers who could not qualify for government and conventional loans can now qualify for…

Continue Reading Alternative Lending Mortgage Options For Bad CreditContinue

Conventional Loan Guidelines
Conventional Loans

Conventional Loan Guidelines For Mortgage Borrowers

ByGustan Cho Posted onJanuary 15, 2023February 13, 2025

This article will cover the conventional loan guidelines for mortgage borrowers on primary, second, and investment homes. Borrowers needing Conventional…

Continue Reading Conventional Loan Guidelines For Mortgage BorrowersContinue

Lowest Credit Score Allowed For Mortgage Approvals depends on the individual loan program
Bad Credit Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Lowest Credit Score Allowed For Mortgage Approvals

ByGustan Cho Posted onJanuary 9, 2023October 9, 2024

This guide covers what is the lowest credit score allowed for mortgage approvals. The team at Gustan Cho Associates gets…

Continue Reading Lowest Credit Score Allowed For Mortgage ApprovalsContinue

Buying a House in Alaska
Bad Credit Mortgages | Bank Statement Loans

Buying a Home in Alaska With Low FICO Scores and Poor Credit

ByGustan Cho Posted onJanuary 5, 2023July 23, 2024

This article will cover buying a home in Alaska with bad credit. Buying a home in Alaska with bad credit…

Continue Reading Buying a Home in Alaska With Low FICO Scores and Poor CreditContinue

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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

  • How to Get the Lowest Mortgage Rates
    How To Get The Lowest Mortgage Rates on Home LoansJuly 2, 2025
  • Foreclosure In Mortgage Qualification
    Foreclosure In Mortgage Qualification Lending GuidelinesJuly 2, 2025
  • How Do I Qualify For A Conventional Loan
    How Do I Qualify For A Conventional LoanJuly 2, 2025
  • Mortgage Rates Rise
    Mortgage Rates Rise For 7 Continuous WeeksJuly 2, 2025

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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 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
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
      • 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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