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Author: Margarett Jurilla

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Manual Underwriting DTI Guidelines
FHA Loans | Manual Underwriting | VA Loans | Videos

Manual Underwriting DTI Guidelines For FHA and VA Loans

ByMargarett Jurilla Posted onFebruary 26, 2024March 18, 2024

This guide covers manual underwriting DTI guidelines on FHA and VA loans. HUD and the Veterans Administration are the only…

Continue Reading Manual Underwriting DTI Guidelines For FHA and VA LoansContinue

Buying Home In Mississippi With Bad Credit
Bad Credit Mortgages | Videos

Buying Home In Mississippi With Bad Credit and Low FICO

ByMargarett Jurilla Posted onFebruary 16, 2024August 6, 2024

Is Possible To Buying Home In Mississippi With Bad Credit With Lender With No Overlays? Yes, it is at Gustan Cho Associates. Gustan Cho Associates is a mortgage company licensed in Mississippi.

Continue Reading Buying Home In Mississippi With Bad Credit and Low FICOContinue

Mortgage Denied After Pre-Approval
Mortgage Processing And Underwriting

Mortgage Denied After Pre-Approval By Underwriters

ByMargarett Jurilla Posted onFebruary 13, 2024July 8, 2025

In this blog post, we will explore a tackle problem many borrowers face – Mortgage Denied After Pre-Approval. The landscape…

Continue Reading Mortgage Denied After Pre-Approval By UnderwritersContinue

VA Loans With No Credit Scores
VA Loans | Manual Underwriting | Videos

VA Loans With No Credit Scores Mortgage Guidelines

ByMargarett Jurilla Posted onFebruary 12, 2024July 23, 2025

This blog post will discuss VA loans with no credit scores in detail and examine the DTI (Debt-to-Income) requirements. VA…

Continue Reading VA Loans With No Credit Scores Mortgage GuidelinesContinue

Buying House Near Airport
Home Purchase | Home Mortgages | Real Estate Topic | Selling Your Home | Videos

Benefits and Negatives of Buying House Near Airport

ByMargarett Jurilla Posted onFebruary 8, 2024July 29, 2025

  In this blog, we will cover and discuss buying house near airport. Homebuyers need to consider the benefits and…

Continue Reading Benefits and Negatives of Buying House Near AirportContinue

FHA Appraisals Versus Conventional Appraisals
Appraisal | Conventional Loans | FHA Loans | Videos

FHA Appraisals Versus Conventional Appraisals Guidelines

ByMargarett Jurilla Posted onJanuary 30, 2024July 29, 2024

This article examines and clarifies the criteria for FHA Appraisals Versus Conventional Appraisals. There are significant differences in the guidelines…

Continue Reading FHA Appraisals Versus Conventional Appraisals GuidelinesContinue

Texas housing market
Home Purchase | Home Sellers | Mortgage Rates | Real Estate Topic

Texas Housing Market Forecast For 2023 Through 2024

ByMargarett Jurilla Posted onJanuary 30, 2024July 29, 2025

This guide will cover the Texas housing market forecast for 2023 going into 2024. The Texas housing market is booming…

Continue Reading Texas Housing Market Forecast For 2023 Through 2024Continue

Using Overtime Income
Videos | Income And Employment

Using Overtime Income To Qualify For Mortgage Loans

ByMargarett Jurilla Posted onJanuary 18, 2024October 8, 2024

Can I Use Overtime Income As Qualified Income To Qualify For A Mortgage? You can use overtime and part-time income as qualified income as long as those other income has been seasoned for at least two years.

Continue Reading Using Overtime Income To Qualify For Mortgage LoansContinue

Importance of Job Stability
Income And Employment | Gaps In Employment | Mortgage Processing And Underwriting | Videos

Importance of Job Stability When Buying a House

ByMargarett Jurilla Posted onJanuary 5, 2024July 26, 2024

This guide covers the importance of job stability when buying a house with a mortgage. Income is the most important…

Continue Reading Importance of Job Stability When Buying a HouseContinue

How To Become a Real Estate Agent
Career Opportunities/Loan Officer Training | Videos

How To Become a Real Estate Agent in Today’s Market

ByMargarett Jurilla Posted onDecember 27, 2023July 26, 2024

This guide covers how to become a real estate agent in today’s competitive housing market. A career in real estate…

Continue Reading How To Become a Real Estate Agent in Today’s MarketContinue

Homeowners Insurance Deductibles
Homeowners Insurance | Real Estate Topic | Videos

How Homeowners Insurance Deductibles Work

ByMargarett Jurilla Posted onDecember 24, 2023January 16, 2025

This guide covers how homeowners insurance deductibles work. Homeowners insurance deductibles used to be straightforward. It was the dollar amount…

Continue Reading How Homeowners Insurance Deductibles WorkContinue

Removing Judgments Off Credit Report
Judgment | Home Mortgages | Videos

Removing Judgments Off Credit Report For Mortgage

ByMargarett Jurilla Posted onNovember 15, 2023July 7, 2025

This guide covers removing judgments off credit report to qualify for and get approved for a mortgage. Borrowers can qualify…

Continue Reading Removing Judgments Off Credit Report For MortgageContinue

Buying a House in States With Best Schools
First Time Home Buyers | Home Purchase | Real Estate Topic

Buying a House in States With Best Schools

ByMargarett Jurilla Posted onJuly 11, 2023July 29, 2025

This guide covers buying a house in states with best schools. We will discuss why these seven states we will…

Continue Reading Buying a House in States With Best SchoolsContinue

Farmers Markets
Bad Credit Mortgages

The Benefits of Moving to Cities With Diverse Farmers Markets

ByMargarett Jurilla Posted onJune 29, 2023December 18, 2023

This guide covers the benefits of moving to cities with diverse Farmers Markets. We will discuss exploring local flavors: The…

Continue Reading The Benefits of Moving to Cities With Diverse Farmers MarketsContinue

Cities For The Best Jobs With Low Living Costs
First Time Home Buyers | Home Purchase | Real Estate Topic | Videos

Top U.S. Cities For The Best Jobs With Low Living Costs

ByMargarett Jurilla Posted onJune 28, 2023December 18, 2023

This guide covers the top U.S. cities for the best jobs with low living costs and affordable housing. Are you…

Continue Reading Top U.S. Cities For The Best Jobs With Low Living CostsContinue

Top Beaches of Florida
Bad Credit Mortgages

Comprehensive Guide To The Top Beaches of Florida

ByMargarett Jurilla Posted onJune 27, 2023August 26, 2025

This guide covers a comprehensive guide of the top beaches of Florida. We will discuss the top beaches of Florida…

Continue Reading Comprehensive Guide To The Top Beaches of FloridaContinue

Buying a Lake House
Real Estate Topic | Second Homes

The Benefits of Buying a Lake House

ByMargarett Jurilla Posted onJune 27, 2023December 18, 2023

This guide covers buying a lake house for water lovers. Cast your line in paradise. We will discuss buying a…

Continue Reading The Benefits of Buying a Lake HouseContinue

Buying a House in Charlotte North Carolina
Home Mortgages | Home Purchase | Real Estate Topic | Videos

Guide To Buying a House in Charlotte North Carolina

ByMargarett Jurilla Posted onJune 24, 2023December 18, 2023

This blog covers a guide to buying a house in Charlotte North Carolina. While well-established neighborhoods like Myers Park and…

Continue Reading Guide To Buying a House in Charlotte North CarolinaContinue

Mortgage Process Experience
Mortgage After Bankruptcy and Foreclosure | Videos

Mortgage Process Experience After Chapter 13 Bankruptcy

ByMargarett Jurilla Posted onJune 23, 2023July 8, 2025

This guide covers the mortgage process experience after Chapter 13 Bankruptcy. The experience does not have to be stressful. I…

Continue Reading Mortgage Process Experience After Chapter 13 BankruptcyContinue

Why Americans Relocate To Louisiana To Buy a House
First Time Home Buyers | Home Purchase | Real Estate Topic

Why Americans Relocate To Louisiana To Buy a House

ByMargarett Jurilla Posted onJune 16, 2023December 18, 2023

This blog is about why Americans relocate to Louisiana to buy a house. We will discuss the benefits of buying…

Continue Reading Why Americans Relocate To Louisiana To Buy a HouseContinue

Reasons Homebuyers Move To Alabama
Real Estate Topic | Home Purchase | Jumbo Loans | Videos

Reasons Homebuyers Move To Alabama

ByMargarett Jurilla Posted onJune 13, 2023August 12, 2025

This guide will cover reasons homebuyers move to Alabama from other states. The population of Birmingham is expected to grow…

Continue Reading Reasons Homebuyers Move To AlabamaContinue

Best Neighborhoods With Water Features in Phoenix
Home Mortgages | Home Purchase | Investment Homes | Real Estate Topic | Videos

Best Neighborhoods With Water Features in Phoenix

ByMargarett Jurilla Posted onJune 12, 2023November 4, 2024

This guide will cover the best neighborhoods with water features in Phoenix to buy a house. We will discuss the…

Continue Reading Best Neighborhoods With Water Features in PhoenixContinue

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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

DTI Calculators

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  • Jumbo DTI Calculator
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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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