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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 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 LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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
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      • Training a New Mortgage Loan Officer Without Any Experience
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Federal Workers Paying Mortgage Affected By Shutdown
Bad Credit Mortgages

Federal Workers Paying Mortgage Payments Affected By Shutdown

ByGustan Cho Posted onJanuary 22, 2019March 3, 2025

This BLOG On Federal Workers Paying Mortgage Payments Affected By Shutdown Was PUBLISHED On January 22nd, 2019 The government shutdown is…

Continue Reading Federal Workers Paying Mortgage Payments Affected By ShutdownContinue

Mortgage Balance of Utah Mayor Family Paid Off
Headline News Archives | Videos

Mortgage Balance of Utah Mayor Family Paid Off In Full

ByGustan Cho Posted onJanuary 22, 2019October 8, 2024

In this blog, we will cover the mortgage balance of Utah Mayor Family Paid Off in Full by Charity. The…

Continue Reading Mortgage Balance of Utah Mayor Family Paid Off In FullContinue

Indiana Police Hiring Fired Chicago Cops
Bad Credit Mortgages

Fallen Newman Police Officer’s Mortgage Paid Off By a Charity

ByGustan Cho Posted onJanuary 21, 2019March 3, 2025

This ARTICLE On Fallen Newman Police Officer’s Mortgage Paid Off By a Charity Was Written By Staff Writer At Gustan…

Continue Reading Fallen Newman Police Officer’s Mortgage Paid Off By a CharityContinue

Digital Accounting
Bad Credit Mortgages

Is It Worth Using Digital Accounting Software? Read Pros and Cons

ByGustan Cho Posted onJanuary 21, 2019December 18, 2023

This ARTICLE On Is It Worth Using Digital Accounting Software? Read Pros and Cons to Decide Was Written By Staff…

Continue Reading Is It Worth Using Digital Accounting Software? Read Pros and ConsContinue

Homeowners Who Should Refinance Now
Mortgage Refinance

Homeowners Who Should Refinance Now To Save Money

ByGustan Cho Posted onJanuary 20, 2019July 16, 2024

This BLOG On Homeowners Who Should Refinance Now To Save Money Was UPDATED On January 20th, 2019 Par mortgage rates are…

Continue Reading Homeowners Who Should Refinance Now To Save MoneyContinue

What are Periods Of Unemployment
Gaps In Employment

How Do Mortgage Lenders View Periods Of Unemployment?

ByGustan Cho Posted onJanuary 18, 2019July 16, 2024

This BLOG On How Do Mortgage Lenders View Periods Of Unemployment Was UPDATED On January 18th, 2019 Qualified income is extremely…

Continue Reading How Do Mortgage Lenders View Periods Of Unemployment?Continue

Credit And DTI Guidelines On Conventional Loans
Home Mortgages

Credit And DTI Guidelines On Conventional Loans Versus FHA Loans

ByGustan Cho Posted onJanuary 18, 2019July 16, 2024

This BLOG On Credit And DTI Guidelines On Conventional Loans Versus FHA Loans Was UPDATED On January 18th, 2019 Credit And DTI…

Continue Reading Credit And DTI Guidelines On Conventional Loans Versus FHA LoansContinue

Property Tax Appeal
Property Taxes

Property Tax Appeal For Homeowners With High Property Taxes

ByGustan Cho Posted onJanuary 15, 2019March 3, 2025

This BLOG On Property Tax Appeal For Homeowners With High Property Taxes Was PUBLISHED On January 15th, 2019 Property Taxes…

Continue Reading Property Tax Appeal For Homeowners With High Property TaxesContinue

NON-QM Loans Versus Back To Work Mortgage Program
Headline News Archives

NON-QM Loans Versus Back to Work Mortgage Loan Program

ByGustan Cho Posted onJanuary 10, 2019May 6, 2024

This BLOG On NON-QM Loans Versus Back to Work Mortgage Loan Program  Was UPDATED On January 10th, 2019 All government and…

Continue Reading NON-QM Loans Versus Back to Work Mortgage Loan ProgramContinue

FHA Insured Mortgage Loans
Home Mortgages

FHA Insured Mortgage Loans Versus Other Loan Programs

ByGustan Cho Posted onJanuary 10, 2019October 8, 2024

This BLOG On FHA Insured Mortgage Loans Versus Other Loan Programs Was UPDATED And PUBLISHED On January 10th, 2019 FHA…

Continue Reading FHA Insured Mortgage Loans Versus Other Loan ProgramsContinue

Primary Home Status
Home Purchase

Primary Home Status When Qualifying For Mortgage

ByGustan Cho Posted onJanuary 8, 2019July 16, 2024

This BLOG On Primary Home Status When Qualifying For Mortgage Was UPDATED On January 8th, 2019 When a mortgage loan borrower…

Continue Reading Primary Home Status When Qualifying For MortgageContinue

Factors Influencing Credit Scores
Mortgage Processing And Underwriting

Factors Influencing Credit Scores When Applying For Mortgage

ByGustan Cho Posted onJanuary 8, 2019February 20, 2024

This BLOG On Factors Influencing Credit Scores When Applying For Mortgage Was UPDATED On January 8th, 2019 There are five Factors Influencing…

Continue Reading Factors Influencing Credit Scores When Applying For MortgageContinue

FHA Lender Overlays On FHA And VA Loans
Mortgage Lender Overlays

Mortgage Lender Overlays On FHA And VA Loans

ByGustan Cho Posted onJanuary 8, 2019July 16, 2024

This BLOG On Mortgage Lender Overlays On FHA And VA Loans Was UPDATED On January 8th, 2019 Mortgage Lender Overlays are…

Continue Reading Mortgage Lender Overlays On FHA And VA LoansContinue

Top Cities in The United States To Invest In
Investment Homes

Top Cities in The United States To Invest In For Investors

ByGustan Cho Posted onJanuary 8, 2019July 16, 2024

This ARTICLE On Top Cities in The United States To Invest In For Investors Was Written By Staff Writer at…

Continue Reading Top Cities in The United States To Invest In For InvestorsContinue

Mortgage Rates Heading Higher
Mortgage Rates

Mortgage Rates Heading Higher With Dow Soaring

ByGustan Cho Posted onJanuary 4, 2019March 3, 2025

This BLOG On Are Mortgage Rates Heading Higher With Dow Soaring Was PUBLISHED On January 4th, 2019 The economy is…

Continue Reading Mortgage Rates Heading Higher With Dow SoaringContinue

Mortgage Borrowers
Non-Occupant Co-Borrowers

Qualifying Mortgage Borrowers And Co-Borrowers For Loan Approval

ByGustan Cho Posted onJanuary 4, 2019April 22, 2024

This BLOG On Qualifying Mortgage Borrowers And Co-Borrowers For Loan Approval Was UPDATED On January 4th, 2019 All mortgage lenders qualify…

Continue Reading Qualifying Mortgage Borrowers And Co-Borrowers For Loan ApprovalContinue

Back To Work Extenuating Circumstances Versus NON-QM Loans
Headline News Archives

Back To Work Extenuating Circumstances Versus NON-QM Loans

ByGustan Cho Posted onJanuary 4, 2019June 11, 2024

The FHA Back to Work Extenuating Circumstances Mortgage has been discontinued. Back to Work Extenuating Circumstances Mortgage Loan Program was created…

Continue Reading Back To Work Extenuating Circumstances Versus NON-QM LoansContinue

Hiring the Best Movers in NYC
Real Estate Topic

Reasons To Use NYC Movers To Get a New Home In New York

ByGustan Cho Posted onDecember 14, 2018July 16, 2024

This ARTICLE On Reasons To Use NYC Movers To Get a New Home In New York Was Written By Staff…

Continue Reading Reasons To Use NYC Movers To Get a New Home In New YorkContinue

Establishing Good Credit
Re-Establishing Credit

Establishing Good Credit To Qualify For Mortgage Loan

ByGustan Cho Posted onDecember 10, 2018March 27, 2024

This BLOG On Establishing Good Credit To Qualify For Mortgage Loan Was UPDATED On December 10th, 2018 Establishing good credit is…

Continue Reading Establishing Good Credit To Qualify For Mortgage LoanContinue

Bankruptcy And Foreclosure Waiting Periods
Mortgage After Bankruptcy and Foreclosure

Bankruptcy And Foreclosure Waiting Periods To Qualify For Mortgage

ByGustan Cho Posted onDecember 6, 2018March 18, 2024

This BLOG On Bankruptcy And Foreclosure Waiting Periods To Qualify For Mortgage Was UPDATED On December 6th, 2018 The mortgage industry…

Continue Reading Bankruptcy And Foreclosure Waiting Periods To Qualify For MortgageContinue

Short Sale Home Purchase
Mortgage After Bankruptcy and Foreclosure

Short Sale Home Purchase Process For Illinois Home Buyers

ByGustan Cho Posted onDecember 4, 2018October 8, 2024

This BLOG On Short Sale Home Purchase Process For Illinois Home Buyers Was UPDATED On December 4th, 2018 Due to…

Continue Reading Short Sale Home Purchase Process For Illinois Home BuyersContinue

FHA Loan With High DTI
Bad Credit Mortgages

FHA Loan With High DTI And Outstanding Collection Accounts

ByGustan Cho Posted onDecember 2, 2018July 16, 2024

This BLOG On FHA Loan With High DTI And Outstanding Collection Accounts Was UPDATED December 2nd, 2018 Homebuyers can qualify for…

Continue Reading FHA Loan With High DTI And Outstanding Collection AccountsContinue

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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

  • Importance of Credit Reports
    Importance of Credit Reports in the Mortgage ProcessJuly 4, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansJuly 3, 2025
  • Conforming Versus FHA Mortgage
    Conforming Versus FHA Mortgage Guidelines and BenefitsJuly 3, 2025
  • Short Sale Versus Foreclosure
    Short Sale Versus Foreclosure Mortgage GuidelinesJuly 3, 2025

DTI Calculators

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Subsidiary Sites

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Resources

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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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