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Author: Margarett Jurilla

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Appraisal Review In Mortgage Underwriting Process
Appraisal | Videos

Home Appraisal Review In Mortgage Underwriting Process

ByMargarett Jurilla Posted onOctober 23, 2024May 20, 2025

Appraisal Review in Mortgage Underwriting Process: Your Guide to Success in 2024 Buying a home is one of the most…

Continue Reading Home Appraisal Review In Mortgage Underwriting ProcessContinue

The Housing Shortage
Headline News Archives | Real Estate | Real Estate Topic | Videos

The Housing Shortage Facing The Midwest

ByMargarett Jurilla Posted onJuly 3, 2024June 5, 2025

This guide covers the housing shortage facing the Midwest. The housing shortage in the Midwest has impacted and affected homebuyers…

Continue Reading The Housing Shortage Facing The MidwestContinue

Buying a House Near Mom-and-Pop Shops
First Time Home Buyers | Home Purchase | Real Estate Topic | Videos

Buying a House Near Mom-and-Pop Shops Versus Giant Retailers

ByMargarett Jurilla Posted onJune 3, 2024June 11, 2025

This guide covers buying a house near mom-and-pop shops versus big box retail stores. Are you tired of the same…

Continue Reading Buying a House Near Mom-and-Pop Shops Versus Giant RetailersContinue

Home Buyers With Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Videos

Home Buyers With Bad Credit Mortgage Options

ByMargarett Jurilla Posted onMay 30, 2024August 27, 2025

In this blog, we will cover and discuss the various mortgage options home buyers with bad credit have in qualifying…

Continue Reading Home Buyers With Bad Credit Mortgage OptionsContinue

Shopping For Insurance
Home Mortgages | Homeowners Insurance | Videos

Shopping For Insurance With Best Premium and Terms

ByMargarett Jurilla Posted onMay 29, 2024June 11, 2025

This guide covers shopping for insurance for the best premium and terms during the mortgage process. Shopping for insurance is…

Continue Reading Shopping For Insurance With Best Premium and TermsContinue

Can I Buy House In Maine With 580 FICO
Videos | Bad Credit Mortgages | FHA Loans

Can I Buy House in Maine With 580 FICO with No Credit

ByMargarett Jurilla Posted onMay 28, 2024June 11, 2025

In this blog, we will cover and answer the FAQ of can I buy house in Maine with 580 FICO…

Continue Reading Can I Buy House in Maine With 580 FICO with No CreditContinue

High-Balance VA Loans
VA Loans | High-Balance Mortgage Loans | Videos

High-Balance VA Loans (Jumbo VA Loans)

ByMargarett Jurilla Posted onMay 27, 2024June 12, 2025

Most people don’t know that the VA does not limit the amount that you can borrow. The VA guarantee limits the amount that most lenders will allow with zero down, but with a down payment there are no VA loan limits.

Continue Reading High-Balance VA Loans (Jumbo VA Loans)Continue

Selling House In Bad Market
Home Sellers | Real Estate Topic | Selling Your Home | Videos

Selling House in Bad Market

ByMargarett Jurilla Posted onMay 26, 2024June 12, 2025

This guide covers selling house in bad market during period of high inflation and skyrocketing mortgage rates. Despite high mortgage…

Continue Reading Selling House in Bad MarketContinue

Refinance Waiting Period
Mortgage Refinance | Videos

Refinance Waiting Period Mortgage Guidelines

ByMargarett Jurilla Posted onMay 20, 2024July 24, 2025

In this blog, we will cover and discuss the refinance waiting period mortgage lending guidelines on home mortgages. For homeowners…

Continue Reading Refinance Waiting Period Mortgage GuidelinesContinue

Property Homeowners Insurance
Home Purchase | Homeowners Insurance | Videos

Property Homeowners Insurance is Required By Lenders

ByMargarett Jurilla Posted onApril 22, 2024June 23, 2025

Brent Norkus, an insurance agent for Goosehead Insurance covers property homeowners insurance in this extensive guide. Property homeowners insurance is…

Continue Reading Property Homeowners Insurance is Required By LendersContinue

FHA Loans Bad Credit Georgia
Bad Credit Mortgages | FHA Loans | First Time Home Buyers | Real Estate Topic | Videos

FHA Loans Bad Credit Georgia For Credit Scores Down to 500

ByMargarett Jurilla Posted onApril 19, 2024June 24, 2025

FHA loans bad credit Georgia mortgage requirements and guidelines make FHA home mortgages the most popular loan program for first-time…

Continue Reading FHA Loans Bad Credit Georgia For Credit Scores Down to 500Continue

No Maximum VA Loan Limit Cap
Headline News Archives

No Maximum VA Loan Limit Cap on VA Home Loans

ByMargarett Jurilla Posted onApril 18, 2024June 24, 2025

This guide covers the topic of no maximum VA loan limit cap on VA home loans. There are no maximum…

Continue Reading No Maximum VA Loan Limit Cap on VA Home LoansContinue

Fannie Mae Bankruptcy Guidelines
Mortgage After Bankruptcy and Foreclosure | Conventional Loans | video

Fannie Mae Bankruptcy Guidelines on Conventional Loans

ByMargarett Jurilla Posted onApril 17, 2024June 24, 2025

As per the Fannie Mae Bankruptcy Guidelines for conventional loans, borrowers must follow a mandatory waiting period after filing for…

Continue Reading Fannie Mae Bankruptcy Guidelines on Conventional LoansContinue

Rent-to-Own Homes
Home Purchase | Home Sellers | Videos

How Does Rent-to-Own Homes Work?

ByMargarett Jurilla Posted onApril 17, 2024June 24, 2025

In this guide, we will cover how rent-to-own homes work for homebuyers who cannot quite get traditional financing. When you…

Continue Reading How Does Rent-to-Own Homes Work?Continue

Florida Housing Market
Home Purchase | Home Mortgages | Real Estate Topic | Rental Income | Videos

Florida Housing Market For Homebuyers and Renters

ByMargarett Jurilla Posted onApril 14, 2024June 25, 2025

There is no sign of any housing market crash, especially in Florida. Home prices are booming with no signs of any correction.

Continue Reading Florida Housing Market For Homebuyers and RentersContinue

Buying a House in California
Home Purchase | Real Estate Topic | Videos

What Is The Benefit of Buying a House in California Versus Other States

ByMargarett Jurilla Posted onApril 3, 2024July 2, 2025

This guide covers the benefit of buying a house in California versus other states. California reached record home prices Despite…

Continue Reading What Is The Benefit of Buying a House in California Versus Other StatesContinue

Qualifying For Conventional Loan After Foreclosure
Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

Qualifying For Conventional Loan After Foreclosure

ByMargarett Jurilla Posted onMarch 28, 2024July 7, 2025

Qualifying for a conventional loan after foreclosure presents more challenges than government loans. However, homebuyers can qualify for a conventional…

Continue Reading Qualifying For Conventional Loan After ForeclosureContinue

Two Appraisals
Appraisal | FHA Loans | Videos

When Two Appraisals Are Required By Mortgage Lenders

ByMargarett Jurilla Posted onMarch 25, 2024January 24, 2025

This article will cover and discuss when mortgage lenders require two appraisals. In general, only one appraisal is required—however, there…

Continue Reading When Two Appraisals Are Required By Mortgage LendersContinue

Overlays In Underwriting
Mortgage Lender Overlays | Home Mortgages | Mortgage Processing And Underwriting | Videos

Overlays in Underwriting By Mortgage Lenders

ByMargarett Jurilla Posted onMarch 24, 2024July 25, 2025

This blog is about overlays in underwriting on government and conventional loans. The mortgage industry went through a major overhaul…

Continue Reading Overlays in Underwriting By Mortgage LendersContinue

Common Credit Score Questions
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Credit Disputes | Credit Scores | Re-Establishing Credit | Videos

Common Credit Score Questions From First-Time Homebuyers

ByMargarett Jurilla Posted onMarch 19, 2024August 13, 2024

This guide covers common credit score questions from first-time homebuyers. What does a “good credit or good FICO” really mean…

Continue Reading Common Credit Score Questions From First-Time HomebuyersContinue

Late Mortgage Payment in the Past 12 Months Lending Guidelines
Bad Credit Mortgages | Videos

Late Mortgage Payment in the Past 12 Months Lending Guidelines

ByMargarett Jurilla Posted onMarch 9, 2024August 26, 2025

This guide covers qualifying for a home loan with a late mortgage payment in the past 12 months. Qualifying for…

Continue Reading Late Mortgage Payment in the Past 12 Months Lending GuidelinesContinue

How Credit Repair Works During Mortgage Process
Credit Disputes | Credit Scores | Re-Establishing Credit | Videos

How Credit Repair Works During The Mortgage Process

ByMargarett Jurilla Posted onFebruary 28, 2024April 7, 2025

This guide covers how credit repair works during the mortgage process. A substantial percentage of my borrowers are folks who…

Continue Reading How Credit Repair Works During The Mortgage ProcessContinue

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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

  • APR Versus Interest Rate
    APR Versus Interest Rate Quoted By Mortgage LendersAugust 28, 2025
  • Chenoa DPA EDGE Program
    Chenoa DPA EDGE Program: Powerful Aid for Home BuyersAugust 28, 2025
  • Apartment Building Loans
    Apartment Building Loans For Real Estate InvestorsAugust 27, 2025
  • What Lenders Look for in Bank Statements
    What Lenders Look for in Bank Statements Before Saying YesAugust 27, 2025

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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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