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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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Author: Mike Gracz

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Pest Inspection On VA Loans
VA Loans | Videos

Pest Inspection On VA Loans Mortgage Guidelines By State

ByMike Gracz Posted onJune 18, 2024June 19, 2024

This Article Is About Pest Inspection On VA Loans Mortgage Guidelines By State Pest Inspection On VA Loans Mortgage Guidelines…

Continue Reading Pest Inspection On VA Loans Mortgage Guidelines By StateContinue

VA Renovation Mortgage
Videos | VA Loans

VA Renovation Mortgage Lending Guidelines On VA Loans

ByMike Gracz Posted onJune 13, 2024August 30, 2024

In this blog, we will cover and discuss VA renovation mortgage loans. Many of our veterans do not know they…

Continue Reading VA Renovation Mortgage Lending Guidelines On VA LoansContinue

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 onJune 10, 2024August 30, 2024

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

Continue Reading Colorado VA Lenders For Bad Credit With No Lender OverlaysContinue

Colorado Mortgage Loan Limits
Home Mortgages | FHA Loans | Real Estate Topic

Colorado Mortgage Loan Limits on FHA and Conforming Loans

ByMike Gracz Posted onJune 10, 2024August 30, 2024

This blog will explore and discuss the Colorado mortgage loan limits for FHA and Conventional Loans. Similar to trends nationwide,…

Continue Reading Colorado Mortgage Loan Limits on FHA and Conforming LoansContinue

Refinancing During Coronavirus Pandemic
Headline News Archives

Refinancing During Coronavirus Pandemic Mortgage Crisis

ByMike Gracz Posted onJune 5, 2024August 30, 2024

BREAKING NEWS: Refinancing During Coronavirus Pandemic Mortgage Crisis Hurdles with Refinancing During Coronavirus Pandemic Mortgage Crisis: With all the global…

Continue Reading Refinancing During Coronavirus Pandemic Mortgage CrisisContinue

Tennessee Home Prices Continue
Real Estate Topic

Tennessee Home Prices Continue To Rise Due To Low Mortgage Rates

ByMike Gracz Posted onJune 4, 2024August 30, 2024

Tennessee Home Prices Continue to Rise in 2024 Tennessee boasts a healthy state government with a surplus, which is excellent…

Continue Reading Tennessee Home Prices Continue To Rise Due To Low Mortgage RatesContinue

NON-QM Cash-Out Debt Consolidation Refinance
Mortgage Refinance | NON-QM Loans | Refinancing | video

NON-QM Cash-Out Debt Consolidation Refinance With 90% LTV

ByMike Gracz Posted onApril 24, 2024August 21, 2024

This Article Is About NON-QM Cash-Out Debt Consolidation Refinance With 90% LTV. The housing market is hot despite rising mortgage…

Continue Reading NON-QM Cash-Out Debt Consolidation Refinance With 90% LTVContinue

VA Manual Underwrite Downgrade
VA Loans | Manual Underwriting | Videos

AUS-Approval To VA Manual Underwrite Downgrade

ByMike Gracz Posted onApril 18, 2024August 21, 2024

When does an automated underwriting system approved file get downgraded to a VA manual underwrite downgrade on VA loans happen?…

Continue Reading AUS-Approval To VA Manual Underwrite DowngradeContinue

Community Property States
Home Mortgages | video

Community Property States Mortgage Guidelines On DTI

ByMike Gracz Posted onApril 12, 2024August 19, 2024

This article will tackle the Community Property States Mortgage Guidelines On DTI. Understanding marital property rights can be intricate, especially…

Continue Reading Community Property States Mortgage Guidelines On DTIContinue

DSCR Mortgage Loans
NON-QM Loans | Videos

DSCR Mortgage Loans: Debt-Service Cover Ratio

ByMike Gracz Posted onApril 12, 2024August 19, 2024

DSCR mortgage loans, debt-service coverage ratio mortgages, is a type of no-income verification mortgage loan program. There is no income…

Continue Reading DSCR Mortgage Loans: Debt-Service Cover RatioContinue

California FHA 203k Loans For Fixer-Upper Homes
FHA 203k Loan | Fix-and-Flip Mortgage Loans

California FHA 203k Loans For Fixer-Upper Homes

ByMike Gracz Posted onApril 9, 2024August 16, 2024

California FHA 203k Loans are a great home purchase acquisition and renovation loan program with a 3,5% down payment of…

Continue Reading California FHA 203k Loans For Fixer-Upper HomesContinue

Furnishing Your New Home Purchase
Home Improvement/Renovations | Home Mortgages | Home Purchase

Furnishing Your New Home Purchase Prior To Closing On Home Loan

ByMike Gracz Posted onApril 5, 2024October 8, 2024

Congrats on your new home purchase! We’ll guide you through the exciting process of Furnishing Your New Home Purchase Prior…

Continue Reading Furnishing Your New Home Purchase Prior To Closing On Home LoanContinue

Home Builders Steering Lenders
Home Purchase

Home Builders Steering Lenders Mortgage Guidelines

ByMike Gracz Posted onApril 4, 2024April 7, 2025

The practice of home builders steering lenders refers to the common industry practice of recommending or ” steering” homebuyers toward…

Continue Reading Home Builders Steering Lenders Mortgage GuidelinesContinue

Mortgage Lender Complaints and Bad Reviews
Career Opportunities/Loan Officer Training | Videos

Mortgage Lender Complaints and Bad Reviews by Borrowers

ByMike Gracz Posted onApril 4, 2024August 7, 2024

It’s important to note that Mortgage Lender Complaints and Bad Reviews submitted by borrowers do exist, but readers should understand…

Continue Reading Mortgage Lender Complaints and Bad Reviews by BorrowersContinue

Home Loan With Bad Credit Texas
Bad Credit Mortgages | Automated Underwriting System | FHA Loans | Manual Underwriting | VA Loans | video

How To Get Approved For Home Loan With Bad Credit Texas

ByMike Gracz Posted onApril 4, 2024April 22, 2025

This article explores the various mortgage options available to homebuyers seeking approval for a home loan with bad credit Texas….

Continue Reading How To Get Approved For Home Loan With Bad Credit TexasContinue

Refinance Mortgage When House Is Still Listed For Sale
Mortgage Refinance | Real Estate Topic | Refinancing | Videos

Refinance Mortgage When House Is Still Listed For Sale By Owners

ByMike Gracz Posted onApril 3, 2024August 16, 2024

In this article, we will discuss and cover Refinance Mortgage When House Is Still Listed For Sale By Owners. In…

Continue Reading Refinance Mortgage When House Is Still Listed For Sale By OwnersContinue

Acceptable Sources of Verifiable Funds for Closing
Clear To Close | Mortgage Processing And Underwriting | Proof of Funds | Videos

Acceptable Sources of Verifiable Funds for Closing

ByMike Gracz Posted onMarch 28, 2024August 15, 2024

In this blog, we will cover and discuss the acceptable sources of verifiable funds for closing. With the majority of…

Continue Reading Acceptable Sources of Verifiable Funds for ClosingContinue

How To Obtain A Mortgage Broker License
Career Opportunities/Loan Officer Training

How To Obtain A Mortgage Broker License In Multiple States

ByMike Gracz Posted onMarch 28, 2024August 15, 2024

This Article Is About How To Obtain A Mortgage Broker License In Multiple States Individuals who want to become mortgage…

Continue Reading How To Obtain A Mortgage Broker License In Multiple StatesContinue

NON-QM Loans After Bankruptcy
Bad Credit Mortgages | Bankruptcy | NON-QM Loans | Videos

NON-QM Loans After Bankruptcy With Bad Credit and Low FICO

ByMike Gracz Posted onMarch 28, 2024August 15, 2024

Non-QM loans after bankruptcy and foreclosure allow homebuyers to purchase a home with no waiting period after bankruptcy and/or a…

Continue Reading NON-QM Loans After Bankruptcy With Bad Credit and Low FICOContinue

Derogatory Credit
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts

Can I Buy a House With Derogatory Credit Tradelines

ByMike Gracz Posted onMarch 27, 2024August 15, 2024

Homebuyers can buy a house and qualify for a mortgage with derogatory credit. Borrowers do not need perfect credit to…

Continue Reading Can I Buy a House With Derogatory Credit TradelinesContinue

VA Manufactured Home Guidelines
VA Loans | Automated Underwriting System | Manufactured Homes | Videos

VA Manufactured Home Guidelines On VA Loans

ByMike Gracz Posted onMarch 25, 2024April 7, 2025

In this blog, we will discuss and cover VA manufactured home guidelines on VA loans. Gustan Cho Associates has invested…

Continue Reading VA Manufactured Home Guidelines On VA LoansContinue

Refinancing Land Contract Homes
Real Estate | Conventional Loans | Refinancing

Refinancing Land Contract Homes To Government Or Conventional Loans

ByMike Gracz Posted onMarch 20, 2024August 13, 2024

In this article, we will discuss and cover refinancing land contract homes to government or conventional loans. There are factors…

Continue Reading Refinancing Land Contract Homes To Government Or Conventional LoansContinue

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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

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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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