Skip to content

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustan Cho Associates
  • About UsExpand
    • 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
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • 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
    • Career OpportunitiesExpand
      • 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
  • BlogsExpand
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

Author: Gustan Cho

Home / Gustan Cho - Page 31
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

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

Bad Credit Mortgage Loans With Collections
Bad Credit Mortgages

Lenders for Bad Credit Mortgage Loans With Collections

ByGustan Cho Posted onSeptember 13, 2021July 8, 2025

In this article, we will discuss and cover bad credit mortgage loans with collections guidelines for 2022. A substantial percentage…

Continue Reading Lenders for Bad Credit Mortgage Loans With CollectionsContinue

Things To Do After Home Closing
Bad Credit Mortgages

Things To Do After Home Closing For New Homeowners

ByGustan Cho Posted onSeptember 13, 2021July 22, 2024

This article is about Things To Do After Home Closing For New Homeowners.  There are many Things To Do After…

Continue Reading Things To Do After Home Closing For New HomeownersContinue

Mortgage Pre-Approval
Mortgage Processing And Underwriting

What Is A Mortgage Pre-Approval And How Is It Issued

ByGustan Cho Posted onSeptember 12, 2021July 29, 2025

This Article Is About What Is A Mortgage Pre-Approval And How Is It Issued What Is A Mortgage Pre-Approval And…

Continue Reading What Is A Mortgage Pre-Approval And How Is It IssuedContinue

Conventional Loans After Chapter 13 Versus Chapter 7 Bankruptcy (1)
Conventional Loans | Videos

Conventional Loans After Chapter 13 Versus Chapter 7 Bankruptcy

ByGustan Cho Posted onSeptember 11, 2021March 11, 2025

What Are The Waiting Period Requirements On Conventional Versus FHA Loans On Chapter 13 Bankruptcy? There is no waiting period requirements after Chapter 13 Bankruptcy discharged date on FHA loans but Conventional loans require a two-year waiting period.

Continue Reading Conventional Loans After Chapter 13 Versus Chapter 7 BankruptcyContinue

Credit Card Balances Impacts Credit Scores To Qualify For FHA Loans (1)
Home Mortgages

Credit Card Balances Impacts Credit Scores To Qualify For FHA Loans

ByGustan Cho Posted onSeptember 4, 2021July 29, 2025

This ARTICLE Is About Credit Card Balances Impacts Credit Scores High credit card balances impact credit scores to qualify for…

Continue Reading Credit Card Balances Impacts Credit Scores To Qualify For FHA LoansContinue

Buying Home Without Solid Pre-Approval
Mortgage Processing And Underwriting

Buying Home Without Solid Pre-Approval And AUS Findings

ByGustan Cho Posted onAugust 31, 2021October 8, 2024

This Article Is About Buying Home Without Solid Pre-Approval And AUS Findings Buying Home Without Solid Pre-Approval and without Automated…

Continue Reading Buying Home Without Solid Pre-Approval And AUS FindingsContinue

Buy A Home If I Do Not Have The Down Payment
Videos

How To Buy A Home If I Do Not Have The Down Payment

ByGustan Cho Posted onAugust 31, 2021August 22, 2025

This Article Is About How To Buy A Home If I Do Not Have The Down Payment How To Buy…

Continue Reading How To Buy A Home If I Do Not Have The Down PaymentContinue

Steps In Buying A House And Getting Qualified For Mortgage
Home Purchase | Videos

Steps In Buying A House And Getting Qualified For Mortgage

ByGustan Cho Posted onAugust 30, 2021July 29, 2025

This Article Is About Steps In Buying A House And Getting Qualified For A Mortgage Buying a home can be…

Continue Reading Steps In Buying A House And Getting Qualified For MortgageContinue

Conventional loan with low credit scores
Conventional Loans | Videos

Myths And Truths About Conventional Loans Versus FHA Mortgages

ByGustan Cho Posted onAugust 28, 2021January 22, 2025

This Article Is About Myths And Truths About Conventional Loans Versus FHA Mortgages What do you believe is the most…

Continue Reading Myths And Truths About Conventional Loans Versus FHA MortgagesContinue

Conforming Down Payment Guidelines For Home Buyers
Home Purchase

Conforming Down Payment Guidelines For Home Buyers

ByGustan Cho Posted onAugust 28, 2021October 8, 2024

This Article Is About Conforming Down Payment Guidelines For Home Buyers Conventional Loans are called conforming loans because they need…

Continue Reading Conforming Down Payment Guidelines For Home BuyersContinue

Changes In Mortgage Lending And Guidelines And How It Affects Buyers
Home Mortgages

Changes In Mortgage Lending And Guidelines And How It Affects Buyers

ByGustan Cho Posted onAugust 25, 2021March 20, 2024

This Article Is About Changes In Mortgage Lending And Guidelines And How It Affects Buyers 2021 has come and is…

Continue Reading Changes In Mortgage Lending And Guidelines And How It Affects BuyersContinue

Impact On Debt Versus Your Credit Scores
High Debt To Income Ratio

Debt Versus Credit Scores During Mortgage Qualification

ByGustan Cho Posted onAugust 23, 2021August 22, 2025

This Article Is About Debt Versus Credit Scores During Mortgage Qualification There is a negative impact on debt versus credit…

Continue Reading Debt Versus Credit Scores During Mortgage QualificationContinue

FHA Automated Findings With Low Credit Scores And High DTI
Videos | Automated Underwriting System

FHA Automated Findings With Low Credit Scores And High DTI

ByGustan Cho Posted onAugust 17, 2021July 29, 2025

This Article Is About FHA Automated Findings With Low Credit Scores And High DTI  It will be much more difficult…

Continue Reading FHA Automated Findings With Low Credit Scores And High DTIContinue

DIY Tips for Homeowners on Home Improvements
Real Estate Topic

DIY Tips for Homeowners on Home Improvements

ByGustan Cho Posted onAugust 13, 2021October 8, 2024

This article covers DIY Tips For Homeowners On Home Improvements Good Morning world and happy Friday to all of you….

Continue Reading DIY Tips for Homeowners on Home ImprovementsContinue

Disputing Derogatory Credit During Mortgage Process
Mortgage Processing And Underwriting

Disputing Derogatory Credit During Mortgage Approval Process

ByGustan Cho Posted onAugust 12, 2021October 8, 2024

You cannot dispute derogatory credit tradelines during the mortgage process unless they are exempt from retraction. Any non-exempt credit disputes will suspend and halt the mortgage process.

Continue Reading Disputing Derogatory Credit During Mortgage Approval ProcessContinue

FHA Loan Credit
Mortgage Lender Overlays

FHA Loan Credit Guidelines Versus Lender Overlays

ByGustan Cho Posted onAugust 12, 2021October 9, 2024

This Article Is About FHA Loan Credit Guidelines Versus Lender Overlays The U.S. Department of Housing and Urban Development (HUD),…

Continue Reading FHA Loan Credit Guidelines Versus Lender OverlaysContinue

Condo Versus Home Purchase
Condominium Loans

Condo Versus Home Purchase Mortgage Guidelines

ByGustan Cho Posted onAugust 9, 2021October 8, 2024

Condos are becoming very popular for millennials, young busy professionals, and the elderly. However, lending standards are tougher on condos versus single-family homes.

Continue Reading Condo Versus Home Purchase Mortgage GuidelinesContinue

How To Prevent Mortgage Default With Loss Of Employment
Home Purchase

How To Prevent Mortgage Default With Loss Of Employment

ByGustan Cho Posted onAugust 9, 2021October 9, 2024

This Article Is About How To Prevent Mortgage Default With Loss Of Employment Mortgage lenders will work with homeowners who…

Continue Reading How To Prevent Mortgage Default With Loss Of EmploymentContinue

Page navigation

Previous PagePrevious 1 … 29 30 31 32 33 … 38 Next PageNext

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

  • Gustan Cho Associates Mortgage Advisor
  • GCA Mortgage Group
  • GCA Forum

Connect With Us

  • Facebook
  • LinkedIn
  • YouTube
  • Instagram
  • TikTok
  • Tumblr

Resources

  • Get Pre-Approved
  • Get Automated Underwriting System Approval
  • 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.
Disclaimer | Licenses | Copyrights | Privacy  NMLS Consumer Access© 2025 - Gustan Cho Associates. All Rights Reserved.SiteLock
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
Search