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    • Loan LimitsExpand
      • FHA Loan Limits
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      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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      • Conventional Loans W-2 Income ONLY Mortgages
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      • Asset-Depletion
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Author: Mike Gracz

Home / Mike Gracz
Online Mortgage Application
Clear To Close | Automated Underwriting System | Manual Underwriting | Mortgage Processing And Underwriting | Videos

Online Mortgage Application Leading To Clear To Close

ByMike Gracz Posted onAugust 26, 2025August 26, 2025

In this blog, we will cover and discuss online mortgage application leading to clear to close. The mortgage application process…

Continue Reading Online Mortgage Application Leading To Clear To CloseContinue

What Are Conventional Loans
Conventional Loans

What Are Conventional Loans

ByMike Gracz Posted onAugust 23, 2025August 25, 2025

In this blog, we will cover and discuss what are conventional loans or conforming mortgages and their benefits. Many home…

Continue Reading What Are Conventional LoansContinue

Choosing The Right Neighborhood
Home Purchase

Choosing The Right Neighborhood When Buying a Home

ByMike Gracz Posted onAugust 21, 2025August 22, 2025

In this blog, we will discuss and cover choosing the right neighborhood when buying a home. Choosing The Right Neighborhood:…

Continue Reading Choosing The Right Neighborhood When Buying a HomeContinue

Buying Condominium Versus Single-Family Homes Mortgage Guidelines
Videos

Buying Condominium versus Single-Family Homes

ByMike Gracz Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss buying condominium versus single-family homes. Are you looking to buy a condo?…

Continue Reading Buying Condominium versus Single-Family HomesContinue

Virginia VA Loan Requirements
VA Loans

Virginia VA Loan Requirements

ByMike Gracz Posted onAugust 19, 2025August 21, 2025

Virginia VA loan requirements has the most lenient mortgage guidelines versus any other loan program in the nation. VA loans…

Continue Reading Virginia VA Loan RequirementsContinue

Pros and Cons of Home Equity Conversion Mortgage
Reverse Mortgages

Pros and Cons of Home Equity Conversion Mortgage

ByMike Gracz Posted onAugust 14, 2025August 15, 2025

This guide covers the pros and cons of home equity conversion mortgage. There are the pros and cons of home…

Continue Reading Pros and Cons of Home Equity Conversion MortgageContinue

How Derogatory Credit Affects Mortgage Approval
Bad Credit Mortgages

How Derogatory Credit Affects Mortgage Approval

ByMike Gracz Posted onAugust 13, 2025August 14, 2025

This guide covers how derogatory credit affects mortgage approval. In this blog we will discuss how derogatory credit affects mortgage…

Continue Reading How Derogatory Credit Affects Mortgage ApprovalContinue

Best Mortgage Lender in Oregon
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts

Best Mortgage Lender in Oregon for Bad Credit Buyers

ByMike Gracz Posted onAugust 12, 2025August 13, 2025

Best Mortgage Lender in Oregon: Why Gustan Cho Associates Is Your #1 Choice in 2025 If you’re looking for the…

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Credit Report Analysis by Mortgage Underwriters
Mortgage Processing And Underwriting

Secrets to Credit Report Analysis by Mortgage Underwriters

ByMike Gracz Posted onAugust 8, 2025August 12, 2025

Credit Report Analysis by Mortgage Underwriters: 2025 Guide to Getting Approved Buying a home is exciting, but when your loan…

Continue Reading Secrets to Credit Report Analysis by Mortgage UnderwritersContinue

VA New Construction Loan
VA Loans

VA New Construction To Permanent One-Time Close Mortgages

ByMike Gracz Posted onAugust 5, 2025August 6, 2025

VA New Construction to Permanent One-Time Close Mortgages: 2025 Guide for Veterans Buying a house is hard in today’s market….

Continue Reading VA New Construction To Permanent One-Time Close MortgagesContinue

Buying Your First Home Alabama
Bad Credit Mortgages

Buying Your First Home With Bad Credit and Low Credit Scores

ByMike Gracz Posted onAugust 2, 2025August 27, 2025

This guide covers buying your first home with bad credit and low credit scores. Buying your first home for the…

Continue Reading Buying Your First Home With Bad Credit and Low Credit ScoresContinue

Locking Mortgage Rates During Mortgage Process
Mortgage Processing And Underwriting

Locking Mortgage Rates During The Mortgage Process

ByMike Gracz Posted onJuly 30, 2025July 31, 2025

This guide covers locking mortgage rates during the mortgage process. Gustan Cho Associates at NEXA Mortgage, LLC offer highly competitive…

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Colorado VA Lenders
Videos | Bad Credit Mortgages | Mortgage Lender Overlays | VA Loans

Colorado VA Lenders For Bad Credit With No Lender Overlays

ByMike Gracz Posted onJuly 24, 2025July 25, 2025

In this article, we will cover and discuss qualifying for a VA loan with low credit scores with Colorado VA…

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95% CLTV Jumbo Mortgage
Jumbo Loans

95% CLTV Jumbo Mortgage For High-End Home Purchases

ByMike Gracz Posted onJuly 9, 2025July 11, 2025

Are There Any Mortgage Lenders That Offer 95% CLTV Jumbo Mortgages For High-End Home Purchases? Gustan Cho Associates are experts in helping buyers of high-end homes qualify for 95% CLTV Jumbo Mortgages for high-end properties.

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Flood Insurance Mortgage Guidelines
Real Estate Topic

Flood Insurance Mortgage Guidelines for Homes in Flood Zones

ByMike Gracz Posted onMarch 26, 2025April 7, 2025

Flood Insurance Mortgage Guidelines: What Homebuyers Need to Know in 2025 Buying a home is a huge milestone, but what…

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Jumbo Versus High-Balance Mortgages in California
High-Balance Mortgage Loans | Jumbo Loans

Jumbo Versus High-Balance Mortgages in California

ByMike Gracz Posted onMarch 24, 2025August 12, 2025

Jumbo Versus High-Balance Mortgages in California: Everything You Need to Know in 2025 If you’re considering buying a home in…

Continue Reading Jumbo Versus High-Balance Mortgages in CaliforniaContinue

Pennsylvania HEMP Mortgage Guidelines
Bad Credit Mortgages

Pennsylvania HEMP Mortgage Guidelines

ByMike Gracz Posted onFebruary 20, 2025February 21, 2025

This guide covers Pennsylvania HEMP mortgage guidelines for farmers. Pennsylvania Hemp Mortgage Guidelines for HEMP Farmers. In the past, many…

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Mortgage Guidelines 101
Bad Credit Mortgages

Mortgage Guidelines 101 For Borrowers & Loan Officers

ByMike Gracz Posted onJanuary 16, 2025January 19, 2025

Mortgage Guidelines 101: A Complete Guide for Borrowers and Loan Officers Welcome to Mortgage Guidelines 101, the ultimate guide for…

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Home Loans in Wyoming
Bad Credit Mortgages | Home Mortgages | Videos

Quick Start to Home Loans in Wyoming: Apply Today

ByMike Gracz Posted onJanuary 6, 2025April 7, 2025

Unlocking Home Loans in Wyoming with Poor Credit: A Comprehensive Guide Are you based in Wyoming and struggling to secure…

Continue Reading Quick Start to Home Loans in Wyoming: Apply TodayContinue

Conforming Loan Limits Versus NON-QM Loans
NON-QM Loans

Conforming Loan Limits Versus NON-QM Loans On Home Purchase

ByMike Gracz Posted onJanuary 3, 2025January 14, 2025

This BLOG On Conforming Loan Limits Versus NON-QM Loans On Home Purchase Was UPDATED On January 3rd, 2025. Understanding your…

Continue Reading Conforming Loan Limits Versus NON-QM Loans On Home PurchaseContinue

Insurance Claim
Mortgage Insurance

Insurance Claim By Policyholders Often Yields An Increase Of Premium

ByMike Gracz Posted onJanuary 3, 2025January 14, 2025

This BLOG On Insurance Claim By Policyholders Often Yields An Increase Of Premium Was UPDATED On January 3rd, 2025. Filing…

Continue Reading Insurance Claim By Policyholders Often Yields An Increase Of PremiumContinue

Smart Technology
Career Opportunities/Loan Officer Training

The Importance of Smart Technology in Mortgage Careers

ByMike Gracz Posted onDecember 28, 2024December 30, 2024

This guide covers the importance of smart technology in mortgage careers. Let’s first start with the definition of smart technology….

Continue Reading The Importance of Smart Technology in Mortgage CareersContinue

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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

  • Mortgage with High Student Loan Debt
    Qualifying for Mortgage with High Student Loan DebtsAugust 28, 2025
  • 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

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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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