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      • FHA Loan Limits
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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    • How to Get DACA Mortgage Loans Without the Stress
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      • Conventional Loans W-2 Income ONLY Mortgages
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      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
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      • DSCR Loans
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FHA Streamline Refinance California
Mortgage Refinance

FHA Streamline Refinance California With Bad Credit

ByGustan Cho Posted onJanuary 17, 2022October 8, 2024

FHA Streamline Refinance California is a fast-track refinance mortgage loan program for California homeowners with a current FHA loan. They…

Continue Reading FHA Streamline Refinance California With Bad CreditContinue

FAQ On VA Loans
VA Loans

FAQ On VA Loans On Eligibility Requirements And Mortgage Options

ByGustan Cho Posted onDecember 30, 2021October 8, 2024

In this blog, we will be covering the FAQ on VA loans on eligibility requirements and VA mortgage loan options…

Continue Reading FAQ On VA Loans On Eligibility Requirements And Mortgage OptionsContinue

FHA Lenders With No Overlays
Home Mortgages

FHA Lenders With No Overlays In California On FHA Loans

ByGustan Cho Posted onDecember 6, 2021October 8, 2024

Many lenders in California have lender overlays on FHA loans due to the state having many high-cost areas.

Continue Reading FHA Lenders With No Overlays In California On FHA LoansContinue

Florida Mortgage Rates On Conventional Loans
Mortgage Rates

Florida Mortgage Rates On Conventional Loans In Comparison To FHA Loans

ByGustan Cho Posted onDecember 3, 2021October 9, 2024

This Article Is About Florida Mortgage Rates On Conventional Loans Versus FHA Loans Florida mortgage rates on Conventional Loans in…

Continue Reading Florida Mortgage Rates On Conventional Loans In Comparison To FHA LoansContinue

FHA Loan Guidelines Alabama For Homebuyers
FHA Loans

FHA Loan Guidelines Alabama For Homebuyers

ByGustan Cho Posted onNovember 25, 2021April 7, 2025

This Article Is About FHA Loan Guidelines Alabama For First-Time Homebuyers and borrowers with bad credit. Due to the lenient…

Continue Reading FHA Loan Guidelines Alabama For HomebuyersContinue

Asset And Reserves
Compensating Factors

Asset And Reserves Requirements And Guidelines For Mortgages

ByGustan Cho Posted onNovember 18, 2021October 8, 2024

This Article Is About Asset And Reserves Requirements And Guidelines For Mortgages Homebuyers applying for a mortgage are going to…

Continue Reading Asset And Reserves Requirements And Guidelines For MortgagesContinue

Credit Score Improvement In Mortgage Process
Mortgage Rates

Credit Score Improvement In Mortgage Process Benefits Rates

ByGustan Cho Posted onNovember 8, 2021July 22, 2024

This Article Is About Credit Score Improvement In Mortgage Process Benefits Rates Credit scores are the biggest determinant of what…

Continue Reading Credit Score Improvement In Mortgage Process Benefits RatesContinue

Reserves Requirement On Home Loan
Home Mortgages

Reserves Requirement On Home Loan By Mortgage Lenders

ByGustan Cho Posted onNovember 5, 2021October 8, 2024

This Article Is About The Reserves Requirement On Home Loan By Mortgage Lenders Reserves are recommended for all homeowners but…

Continue Reading Reserves Requirement On Home Loan By Mortgage LendersContinue

VA Bad Credit Mortgage
Bad Credit Mortgages

VA Bad Credit Mortgage Guidelines Versus Lender Overlays

ByGustan Cho Posted onNovember 4, 2021July 22, 2024

This Article Is About VA Bad Credit Mortgage Guidelines Versus Lender Overlays VA Home Loans are primary residence owner-occupant mortgages…

Continue Reading VA Bad Credit Mortgage Guidelines Versus Lender OverlaysContinue

LLPA During Coronavirus Pandemic Mortgage Crisis
Headline News Archives | Videos

LLPA During Coronavirus Pandemic Mortgage Crisis

ByGustan Cho Posted onOctober 28, 2021June 19, 2024

This Breaking News Is About LLPA During Coronavirus Pandemic Mortgage Crisis. Understanding LLPA During Coronavirus Pandemic Mortgage Crisis. The coronavirus…

Continue Reading LLPA During Coronavirus Pandemic Mortgage CrisisContinue

Jumbo Mortgage Eligibility Requirements
Jumbo Loans

Jumbo Mortgage Eligibility Requirements On High Priced Homes

ByGustan Cho Posted onOctober 19, 2021October 8, 2024

This Article Is About Jumbo Mortgage Eligibility Requirements On High Priced Homes Jumbo mortgage eligibility requirements and guidelines are more…

Continue Reading Jumbo Mortgage Eligibility Requirements On High Priced HomesContinue

Difference Between Mortgage Lender Versus Servicer
Mortgage Processing And Underwriting

Difference Between Mortgage Lender Versus Servicer

ByGustan Cho Posted onOctober 18, 2021July 22, 2024

This ARTICLE Is About The Difference Between Mortgage Lender Versus Servicer What are the major Difference Between Mortgage Lender Versus…

Continue Reading Difference Between Mortgage Lender Versus ServicerContinue

Waiting Period After Loan Modification
Home Purchase

Waiting Period After Loan Modification To Qualify For FHA Loan

ByGustan Cho Posted onOctober 16, 2021April 7, 2025

This Article Is About The Waiting Period After Loan Modification To Qualify For FHA Loan A home loan modification is…

Continue Reading Waiting Period After Loan Modification To Qualify For FHA LoanContinue

NON-QM Loans For Real Estate Investors Qualification Requirements
Videos

NON-QM Loans For Real Estate Investors Mortgage Options

ByGustan Cho Posted onOctober 15, 2021January 22, 2025

This Article Is About NON-QM Loans For Real Estate Investors Qualification Requirements  Gustan Cho Associates now offers NON-QM Loans For…

Continue Reading NON-QM Loans For Real Estate Investors Mortgage OptionsContinue

Should I Buy a House That Needs Renovation
NON-QM Loans

Should I Buy a House That Needs Renovation And Rehab

ByGustan Cho Posted onOctober 12, 2021July 22, 2024

This ARTICLE Is About Should I Buy a House That Needs Renovation And Rehab Buying property can be one of…

Continue Reading Should I Buy a House That Needs Renovation And RehabContinue

Homeowners Hold Title On Home Purchase
Home Purchase

How Can Homeowners Hold Title On Home Purchase

ByGustan Cho Posted onOctober 10, 2021October 8, 2024

This Article Is About How Can Homeowners Hold Title On Home Purchase One of the most common questions we get…

Continue Reading How Can Homeowners Hold Title On Home PurchaseContinue

Avoid Selling Your Home
Home Sellers

Things To Avoid Selling Your Home And Mistakes To Avoid

ByGustan Cho Posted onOctober 9, 2021October 8, 2024

This Article Is About The Things To Avoid Selling Your Home And Mistakes To Avoid Great news for homeowners who…

Continue Reading Things To Avoid Selling Your Home And Mistakes To AvoidContinue

Loss Of Employment During Mortgage Process
Income And Employment

Loss Of Employment During Mortgage Process And How It Affects CTC

ByGustan Cho Posted onOctober 8, 2021October 8, 2024

This Article Is About The Loss Of Employment During Mortgage Process And How It Affects CTC What If My Loan…

Continue Reading Loss Of Employment During Mortgage Process And How It Affects CTCContinue

Florida FHA Loans With Bad Credit
Bad Credit Mortgages

Florida FHA Loan With Bad Credit And High Debt To Income Ratio

ByGustan Cho Posted onOctober 1, 2021October 8, 2024

This Article Is About Florida FHA Loan With Bad Credit And High Debt To Income Ratio Homebuyers can now qualify…

Continue Reading Florida FHA Loan With Bad Credit And High Debt To Income RatioContinue

Calculating Annual Percentage Rate
Mortgage Rates

Calculating Annual Percentage Rate On Home Mortgage Transactions

ByGustan Cho Posted onSeptember 18, 2021July 22, 2024

This Article Is About Calculating Annual Percentage Rate On Home Mortgage Transactions An FHA Loan or VA loan, which typically adds…

Continue Reading Calculating Annual Percentage Rate On Home Mortgage TransactionsContinue

Banks Versus Mortgage Companies
Home Mortgages

Qualifying At Banks Versus Mortgage Companies For Mortgage

ByGustan Cho Posted onSeptember 16, 2021March 18, 2024

This Article Is About Qualifying At Banks Versus Mortgage Companies For Mortgage When a home buyer thinks of getting pre-qualified…

Continue Reading Qualifying At Banks Versus Mortgage Companies For MortgageContinue

How Mortgage Underwriters View Negative Credit History
Mortgage Processing And Underwriting

How Mortgage Underwriters View Negative Credit History

ByGustan Cho Posted onSeptember 14, 2021October 8, 2024

This Article Is About How Mortgage Underwriters View Negative Credit History Mortgage Borrowers can qualify for mortgage loans with prior…

Continue Reading How Mortgage Underwriters View Negative Credit HistoryContinue

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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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Resources

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  • 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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