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Gustan Cho Associates
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    • 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
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      • Refinance FHA To Conventional Loans
    • FHA Home LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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 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
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      • Training a New Mortgage Loan Officer Without Any Experience
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Mortgage After Bankruptcy in South Dakota
Mortgage After Bankruptcy and Foreclosure

Mortgage After Bankruptcy in South Dakota With Bad Credit

ByGustan Cho Posted onMay 12, 2022October 8, 2024

In this article, we will cover and discuss how homebuyers can qualify for a mortgage after bankruptcy in South Dakota….

Continue Reading Mortgage After Bankruptcy in South Dakota With Bad CreditContinue

Mortgage After Bankruptcy in Alaska
Mortgage After Bankruptcy and Foreclosure

FHA Chapter 13 Bankruptcy Mortgage in Alaska | Loan Approval

ByGustan Cho Posted onMay 11, 2022July 29, 2025

In this blog, we will cover and discuss qualifying for an FHA Chapter 13 Bankruptcy Mortgage in Alaska with late…

Continue Reading FHA Chapter 13 Bankruptcy Mortgage in Alaska | Loan ApprovalContinue

FHA Loans With 580 FICO in West Virginia
FHA Loans

FHA Loans With 580 FICO in West Virginia with No Overlays

ByGustan Cho Posted onMay 10, 2022April 7, 2025

In this article, we will cover and discuss qualifying for FHA loans with 580 FICO in West Virginia and getting…

Continue Reading FHA Loans With 580 FICO in West Virginia with No OverlaysContinue

FHA Streamline Refinance Connecticut
Mortgage Refinance

FHA Streamline Refinance Connecticut With No Appraisal

ByGustan Cho Posted onApril 18, 2022July 23, 2024

In this blog, we will discuss and cover FHA streamline refinance Connecticut with no appraisal and no income docs required….

Continue Reading FHA Streamline Refinance Connecticut With No AppraisalContinue

Conventional Loans With No Lender Overlays Illinois
Conventional Loans

Conventional Loans With No Lender Overlays Illinois

ByGustan Cho Posted onApril 3, 2022July 29, 2025

In this blog, we will discuss and cover qualifying for conventional loans with no lender overlays in Illinois. Gustan Cho…

Continue Reading Conventional Loans With No Lender Overlays IllinoisContinue

Retirees Fleeing High-Taxed States
Selling Your Home

Retirees Fleeing High-Taxed States To Low-Taxed States

ByGustan Cho Posted onMarch 28, 2022July 22, 2024

In this blog, we will cover and discuss retirees fleeing high-taxed states to low-taxed states with affordable housing and low…

Continue Reading Retirees Fleeing High-Taxed States To Low-Taxed StatesContinue

How Do Underwriters Approve Mortgage Loans For Borrowers
Mortgage Processing And Underwriting | Videos

How Do Underwriters Approve Mortgage Loans For Borrowers

ByGustan Cho Posted onMarch 4, 2022July 22, 2024

In this blog, we will discuss and cover how do underwriters approve mortgage loans when analyzing and processing borrowers. Mortgage…

Continue Reading How Do Underwriters Approve Mortgage Loans For BorrowersContinue

How To Know The Market Value of Your Home_
Real Estate Topic

How To Know The Market Value of Your Home

ByGustan Cho Posted onMarch 4, 2022July 22, 2024

In this blog, we will discuss and cover how to know the market value of your home. Home prices have…

Continue Reading How To Know The Market Value of Your HomeContinue

Can You Get Pre-Approved In One Hour
Videos

Can You Get Pre-Approved In One Hour On A Home Mortgage

ByGustan Cho Posted onFebruary 18, 2022July 22, 2024

In this blog, we will discuss and cover if you can get pre-approved in one hour on a home mortgage….

Continue Reading Can You Get Pre-Approved In One Hour On A Home MortgageContinue

HUD guidelines on deferred student loans
Student Loans | Videos

HUD Guidelines On Student Loans Versus Other Mortgage Programs

ByGustan Cho Posted onFebruary 9, 2022October 9, 2024

In this blog, we will discuss and cover HUD guidelines on student loans versus other mortgage programs. The Federal Housing…

Continue Reading HUD Guidelines On Student Loans Versus Other Mortgage ProgramsContinue

FHA Streamline Refinance California
Mortgage Refinance

FHA Streamline Refinance California With Bad Credit

ByGustan Cho Posted onJanuary 17, 2022July 25, 2025

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

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, 2021July 3, 2025

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, 2021August 21, 2025

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

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

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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
  • How to Find the Best Realtor
    How To Find The Best Realtor For First-Time HomebuyersSeptember 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

DTI Calculators

  • FHA DTI Calculator
  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limit Change – See If You Qualify

Subsidiary Sites

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Resources

  • Get Pre-Approved
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  • FICO Simulator
  • MLO License School
  • 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: 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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