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      • FHA Loan Limits
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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Verification of Employment
Income And Employment | Gaps In Employment | Verification of Employment | Videos

Verification Of Employment Before Mortgage Closing

ByGustan Cho Posted onNovember 5, 2024November 7, 2024

Verification of Employment (VOE): Why It’s Crucial for Securing Your Mortgage in 2024 Whether you’re ready to purchase your first…

Continue Reading Verification Of Employment Before Mortgage ClosingContinue

Mortgage Forbearance During Pandemic
Headline News Archives | Loan Modification

Mortgage Forbearance During Pandemic Mortgage Crisis

ByGustan Cho Posted onNovember 4, 2024November 5, 2024

Updated Guide: Mortgage Forbearance During Pandemic When the COVID-19 pandemic hit, it upended the global economy, leaving millions of Americans…

Continue Reading Mortgage Forbearance During Pandemic Mortgage CrisisContinue

Clear to Close in 2 Weeks or Less
Clear To Close | Mortgage Processing And Underwriting | Videos

Clear To Close In 2 Weeks or Less Mortgage Process

ByGustan Cho Posted onNovember 4, 2024November 5, 2024

Clear to Close in 2 Weeks or Less: Here’s How to Fast-Track Your Mortgage Approval At Gustan Cho Associates, we…

Continue Reading Clear To Close In 2 Weeks or Less Mortgage ProcessContinue

Rapid Rescore
Home Mortgages | Credit Disputes | Credit Scores | Mortgage Processing And Underwriting | Re-Establishing Credit | Videos

Using Rapid Rescore To Qualify For a Mortgage

ByGustan Cho Posted onOctober 25, 2024October 28, 2024

How Does Rapid Rescore Assist You in Securing a Mortgage in 2024? Imagine this: You’re almost ready to buy your…

Continue Reading Using Rapid Rescore To Qualify For a MortgageContinue

Portfolio Loan Programs
Bank Statement Loans | NON-QM Loans | Videos

Portfolio Loan Programs: No Income Documentation Mortgages

ByGustan Cho Posted onOctober 25, 2024October 28, 2024

Exploring Portfolio Loan Programs for 2024: A Flexible Mortgage Option for Unique Borrowers In the world of mortgages, there isn’t…

Continue Reading Portfolio Loan Programs: No Income Documentation MortgagesContinue

Second Home Loans
Second Homes | Bank Statement Loans | Conventional Loans | NON-QM Loans | Videos

Second Home Loans: Easy Guide to Get Started Today

ByGustan Cho Posted onOctober 25, 2024October 28, 2024

Everything You Need to Know About Second Home Loans in 2024 Are you thinking of buying a second home? Maybe…

Continue Reading Second Home Loans: Easy Guide to Get Started TodayContinue

Conforming Loan Requirements
Conventional Loans | Videos

2024 Conforming Loan Requirements: What You Need to Know

ByGustan Cho Posted onOctober 23, 2024October 25, 2024

Conforming Loan Requirements: 2024 Guide for Homebuyers and Refinancers If you’re thinking about buying a home or refinancing your current…

Continue Reading 2024 Conforming Loan Requirements: What You Need to KnowContinue

HARP with Second Mortgage
Mortgage Refinance | FHA Loans | Refinancing

HARP with Second Mortgage: What You Need to Know

ByGustan Cho Posted onOctober 22, 2024October 23, 2024

HARP With Second Mortgage: Can You Refinance with a Second Mortgage Through HARP in 2024? If you have a second…

Continue Reading HARP with Second Mortgage: What You Need to KnowContinue

Home Loan Closings
Clear To Close | Mortgage Processing And Underwriting | Videos

Ways to Avoid Stress and Delays in Home Loan Closings

ByGustan Cho Posted onOctober 21, 2024November 5, 2024

How to Avoid Stress and Delays in Home Loan Closings (Updated for 2024) Buying a home is one of the…

Continue Reading Ways to Avoid Stress and Delays in Home Loan ClosingsContinue

NON-QM Loan With Recent Late Payments
NON-QM Loans | Videos

NON-QM Loan With Recent Late Payments In The Past 12 Months

ByGustan Cho Posted onOctober 17, 2024November 5, 2024

Non-QM Loan with Recent Late Payments: Your Guide to Homeownership in 2024 If you’ve had recent late payments on your…

Continue Reading NON-QM Loan With Recent Late Payments In The Past 12 MonthsContinue

Mortgage Guidelines After Bankruptcy and Foreclosure
FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | NON-QM Loans | USDA Loans | VA Loans | Videos

Mortgage Guidelines After Bankruptcy and Foreclosure

ByGustan Cho Posted onOctober 17, 2024November 5, 2024

Mortgage Guidelines After Bankruptcy and Foreclosure in 2024 If you’ve been through bankruptcy or foreclosure, you might feel like owning…

Continue Reading Mortgage Guidelines After Bankruptcy and ForeclosureContinue

Credit Repair During Mortgage Underwriting
Mortgage Processing And Underwriting | Resources | Videos

Credit Repair During Mortgage Underwriting Can Halt Loan Process

ByGustan Cho Posted onOctober 15, 2024October 16, 2024

This guide covers how credit repair during mortgage underwriting can halt loan process . Mortgage borrowers should know the impact…

Continue Reading Credit Repair During Mortgage Underwriting Can Halt Loan ProcessContinue

Advice and Tips for Home Buyers
First Time Home Buyers | Videos

Advice And Tips For Home Buyers In Qualifying For Mortgage

ByGustan Cho Posted onOctober 14, 2024January 20, 2025

Advice and Tips for Home Buyers in 2024: How to Qualify for a Mortgage and Get the Home of Your…

Continue Reading Advice And Tips For Home Buyers In Qualifying For MortgageContinue

How to Get a Mortgage in Puerto Rico
Bad Credit Mortgages

Easy Guide on How To Get a Mortgage in Puerto Rico in 2025

ByGustan Cho Posted onOctober 11, 2024March 18, 2025

How To Get a Mortgage in Puerto Rico: Your 2025 Guide Are you ready to trade chilly winters and high…

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HUD DTI Guidelines
FHA Loans | High Debt To Income Ratio

Simple Guide to HUD DTI Guidelines for FHA Loans

ByGustan Cho Posted onOctober 11, 2024October 15, 2024

Understanding HUD DTI Guidelines for FHA Loans in 2024: How to Qualify for a Purchase or Refinance When you’re considering…

Continue Reading Simple Guide to HUD DTI Guidelines for FHA LoansContinue

Mortgage Guidelines For Remote Workers
Income And Employment | Videos

Simple Mortgage Guidelines for Remote Workers

ByGustan Cho Posted onOctober 11, 2024May 2, 2025

Mortgage Guidelines for Remote Workers in 2025: How to Qualify for a Home Loan Remote work has changed how people…

Continue Reading Simple Mortgage Guidelines for Remote WorkersContinue

Excluding Debts From DTI Calculations
High Debt To Income Ratio | Mortgage Processing And Underwriting | Videos

Excluding Debts from DTI Calculations To Qualify for a Home

ByGustan Cho Posted onOctober 10, 2024October 14, 2024

Excluding Debts from DTI Calculations in 2024: How You Can Qualify for a Mortgage with High Debt-to-Income Ratios One of…

Continue Reading Excluding Debts from DTI Calculations To Qualify for a HomeContinue

FHA Guidelines On Medical Collections
Collection Accounts | Charge Off Accounts | FHA Loans | Videos

FHA Guidelines On Medical Collections and Charged-Offs

ByGustan Cho Posted onOctober 10, 2024April 16, 2025

FHA Guidelines on Medical Collections: Everything You Need to Know in 2024 Are medical collections standing in your dream of…

Continue Reading FHA Guidelines On Medical Collections and Charged-OffsContinue

Maximum Debt-To-Income Ratios For AUS Approval
Automated Underwriting System | High Debt To Income Ratio | Videos

Maximum Debt-To-Income Ratios For AUS Approval

ByGustan Cho Posted onOctober 1, 2024April 7, 2025

Maximum Debt-To-Income Ratios for AUS Approval: What You Need to Know in 2024 When applying for a mortgage, your debt-to-income…

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Issues With Condominium Financing
Condominium Loans | Mortgage Rates | Videos

Issues With Condominium Financing And Mortgage Options

ByGustan Cho Posted onOctober 1, 2024October 7, 2024

Issues With Condominium Financing And Mortgage Options in 2024 Financing a condominium can be a smart choice for many buyers….

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Chapter 11 Bankruptcy Guidelines on FHA and VA Loans
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Home Mortgages | VA Loans | Videos

Chapter 11 Bankruptcy Guidelines on FHA and VA Loans

ByGustan Cho Posted onOctober 1, 2024October 7, 2024

How to Get a Mortgage During or After Chapter 11 Bankruptcy (2024 Updates) If you’re recovering from Chapter 11 Bankruptcy,…

Continue Reading Chapter 11 Bankruptcy Guidelines on FHA and VA LoansContinue

Mortgage With Collection Accounts
Automated Underwriting System | Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Videos

Mortgage With Collection Accounts And Charge-Offs

ByGustan Cho Posted onOctober 1, 2024October 7, 2024

In 2024, is it possible to secure a mortgage with collection accounts? Yes, find out how it can be done!…

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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

DTI Calculators

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  • Conventional DTI Calculator
  • Jumbo DTI Calculator
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Subsidiary Sites

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Resources

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  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
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  • 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: 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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