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Author: Mike Gracz

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Mortgage Payment Shock
Verification Of Rent

Mortgage Payment Shock Underwriting Guidelines

ByMike Gracz Posted onFebruary 23, 2024August 6, 2024

This article delves into the Mortgage Payment Shock Underwriting Guidelines and its underwriters’ assessment. Maintaining a payment that suits both…

Continue Reading Mortgage Payment Shock Underwriting GuidelinesContinue

Best Mortgage Options For Bad Credit in Oklahoma
Bad Credit Mortgages

Best Mortgage Options For Bad Credit in Oklahoma For 2024

ByMike Gracz Posted onFebruary 21, 2024February 7, 2025

This article will explore the Best Mortgage Options For Bad Credit in Oklahoma in 2024. Gustan Cho Associates can guide…

Continue Reading Best Mortgage Options For Bad Credit in Oklahoma For 2024Continue

Chapter 13 Trustee Mortgage Approval
Mortgage After Bankruptcy and Foreclosure | Videos

Chapter 13 Trustee Mortgage Approval During Bankruptcy

ByMike Gracz Posted onFebruary 14, 2024August 5, 2024

Homebuyers and homeowners can secure Chapter 13 Trustee Mortgage Approval under the Chapter 13 Bankruptcy repayment plan. FHA and/or VA…

Continue Reading Chapter 13 Trustee Mortgage Approval During BankruptcyContinue

FHA Loans With No Credit Scores
Home Mortgages | Videos

How To Get Approved For FHA Loans With No Credit Scores

ByMike Gracz Posted onFebruary 6, 2024April 18, 2025

Gustan Cho Associates are experts when analyzing consumer credit reports. Since we do not have lender overlays, we see all…

Continue Reading How To Get Approved For FHA Loans With No Credit ScoresContinue

Fannie Mae Rental Income Guidelines And Requirements
Videos

Fannie Mae Rental Income Guidelines And Requirements

ByMike Gracz Posted onJanuary 30, 2024February 22, 2024

This blog post will explore Fannie Mae rental income guidelines and lending requirements. We will focus on elucidating the latest…

Continue Reading Fannie Mae Rental Income Guidelines And RequirementsContinue

VA Guidelines on Seller Concessions
VA Loans

VA Guidelines on Seller Concessions To Cover Closing Costs

ByMike Gracz Posted onJanuary 18, 2024April 2, 2024

This guide covers VA guidelines on seller concessions to cover closing costs. VA loans is hands down the best mortgage…

Continue Reading VA Guidelines on Seller Concessions To Cover Closing CostsContinue

Moving to New Home
Home Purchase | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Qualifying For a Home Mortgage Moving To New Home

ByMike Gracz Posted onJanuary 11, 2024January 12, 2024

This guide covers qualifying and getting approved for a home mortgage moving to new home. Moving to new home is…

Continue Reading Qualifying For a Home Mortgage Moving To New HomeContinue

How To Study For NMLS Exam And Pass
Career Opportunities/Loan Officer Training

How To Study For NMLS Exam And Pass It The First Time

ByMike Gracz Posted onJanuary 2, 2024July 26, 2024

Embarking on a career in mortgage lending is an exciting endeavor, but before you can fully dive into the industry,…

Continue Reading How To Study For NMLS Exam And Pass It The First TimeContinue

Colorado Springs Housing Market
Videos | Home Purchase | Real Estate Topic

Colorado Springs Housing Market For Home Buyers

ByMike Gracz Posted onJune 30, 2023July 25, 2024

This guide covers the Colorado Springs Housing Market for homebuyers. Colorado Springs Housing Market is booming. While tens of thousands…

Continue Reading Colorado Springs Housing Market For Home BuyersContinue

VA Jumbo Home Mortgages (1)
VA Loans | High-Balance Mortgage Loans | Videos

VA Jumbo Home Mortgages Eligibility Requirements

ByMike Gracz Posted onJune 26, 2023June 12, 2024

This guide covers the eligibility guidelines for VA Jumbo Home Mortgages. Most veterans know they do not need a down…

Continue Reading VA Jumbo Home Mortgages Eligibility RequirementsContinue

How To Become A Successful Mortgage Loan Officer
Career Opportunities/Loan Officer Training | Videos

How To Become A Successful Mortgage Loan Officer

ByMike Gracz Posted onFebruary 11, 2023July 24, 2024

This article will cover how to become a successful mortgage loan officer at Gustan Cho Associates. Starting a new career…

Continue Reading How To Become A Successful Mortgage Loan OfficerContinue

Washington DC Lenders
High-Balance Mortgage Loans | Home Mortgages | Investment Homes | NON-QM Loans | Videos

Washington DC Lenders For Traditional and Non-QM Mortgages

ByMike Gracz Posted onJanuary 23, 2023July 24, 2024

In this blog, we will cover and discuss the top-rated five-star Washington DC lenders for traditional and non-QM mortgages who…

Continue Reading Washington DC Lenders For Traditional and Non-QM MortgagesContinue

Types of Mortgage Lenders For Best Rates and Loan Options
NON-QM Loans | Home Mortgages | Qualifying & Getting Pre-approved | Videos

Types of Mortgage Lenders For Best Rates and Loan Options

ByMike Gracz Posted onJanuary 9, 2023April 7, 2025

Gustan Cho Associates has over 160 wholesale lending partnerships. Gustan Cho Associates has a national reputation for its no lender…

Continue Reading Types of Mortgage Lenders For Best Rates and Loan OptionsContinue

Three Marketing Ideas For Mortgage Loan Originators
Career Opportunities/Loan Officer Training

Three Simple Marketing Ideas For Mortgage Loan Officers

ByMike Gracz Posted onJanuary 6, 2023July 23, 2024

This article will discuss three simple marketing ideas for mortgage loan originators. Buying a house can be stressful, particularly for…

Continue Reading Three Simple Marketing Ideas For Mortgage Loan OfficersContinue

The Importance of Credit Scores For Home Loans
Credit Scores

The Importance of Credit Scores For Home Loans

ByMike Gracz Posted onNovember 6, 2022July 23, 2024

If you are in the market for a mortgage loan, you know the importance of credit scores for home loans…

Continue Reading The Importance of Credit Scores For Home LoansContinue

Mortgage Rates Versus Housing Prices
Bad Credit Mortgages

Today’s Surging Mortgage Rates Versus Housing Prices

ByMike Gracz Posted onOctober 25, 2022July 23, 2024

In this blog, we will be comparing the skyrocketing mortgage rates versus housing prices. We will cover the forecast of…

Continue Reading Today’s Surging Mortgage Rates Versus Housing PricesContinue

Mortgage Due-on-Sale Clause
Home Mortgages | Real Estate Topic | Reverse Mortgages

Mortgage Due-on-Sale Clause When You Inherit a House With a Lien

ByMike Gracz Posted onOctober 24, 2022July 23, 2024

In this blog, we will cover the mortgage due-on-sale clause when you inherit a house with a lien. If you…

Continue Reading Mortgage Due-on-Sale Clause When You Inherit a House With a LienContinue

Gustan Cho Associates are experts in helping borrowers qualify for VA loans with no lender overlays
VA Loans

Buying A Home With A VA Loan With No Money Down

ByMike Gracz Posted onSeptember 20, 2022July 23, 2024

In this blog, we will cover and discuss buying a home with a VA loan with no money down. If…

Continue Reading Buying A Home With A VA Loan With No Money DownContinue

Lenders Changing Mortgage Guidelines
Headline News Archives

Lenders Changing Mortgage Guidelines Post COVID-19

ByMike Gracz Posted onAugust 1, 2022July 23, 2024

In this article, we will discuss and cover lenders changing mortgage guidelines post COVID-19 ERA due to skyrocketing rates, market…

Continue Reading Lenders Changing Mortgage Guidelines Post COVID-19Continue

Non-QM Mortgage Update From Non-Prime Lenders
NON-QM Loans

Non-QM Mortgage Update From Non-Prime Lenders

ByMike Gracz Posted onJuly 31, 2022May 1, 2024

In this blog, we will cover and discuss the non-QM mortgage update from non-prime lenders. Ever since the coronavirus outbreak…

Continue Reading Non-QM Mortgage Update From Non-Prime LendersContinue

Rental Payments Reported on Credit Bureaus
Conventional Loans

Rental Payments Reported on Credit Bureaus

ByMike Gracz Posted onJuly 11, 2022July 23, 2024

Many Americans are familiar with the terms Fannie Mae and Freddie Mac, but may not know exactly what they represent….

Continue Reading Rental Payments Reported on Credit BureausContinue

VA Funding Fee
VA Loans

VA Funding Fee Mortgage Guidelines For VA Home Loans

ByMike Gracz Posted onJuly 6, 2022October 8, 2024

In this blog, we will discuss and cover the VA funding fee mortgage guidelines for VA home loans. VA loans…

Continue Reading VA Funding Fee Mortgage Guidelines For VA Home 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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