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Gustan Cho Associates
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
      • Kingsley Ifezue | Licensed Real Estate Broker
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      • Rhonda Smith
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Author: Sapna Sharma

Home / Sapna Sharma
Maryland FHA Lenders
FHA Loans | Bankruptcy | Mortgage Lender Overlays | Videos

Maryland FHA Lenders For Homebuyers With Bad Credit

BySapna Sharma Posted onJune 28, 2024August 30, 2024

The lending requirements on FHA loans are not the same for all Maryland FHA Lenders. There are two different categories…

Continue Reading Maryland FHA Lenders For Homebuyers With Bad CreditContinue

What is PITI?
High Debt To Income Ratio | Home Mortgage | Videos

What Is PITI In Mortgage?

BySapna Sharma Posted onApril 28, 2024August 23, 2024

All mortgage loan programs require a maximum front debt-income ratio and back debt to income ratio. However, conventional loans do not require a front debt to income ratio. VA loans do not have a debt to income ratio requirements. Lenders can have lender over lender overlays on debt to income ratios.

Continue Reading What Is PITI In Mortgage?Continue

ARM
Home Mortgage | Mortgage Rates | Refinancing | Videos

What is The Difference Between ARM Versus Fixed-Rate Mortgages

BySapna Sharma Posted onApril 17, 2024August 19, 2024

In this blog, we will cover ARM versus fixed-rate mortgages.  ARM stands for an adjustable-rate mortgage. Adjustable-Rate Mortgage is when…

Continue Reading What is The Difference Between ARM Versus Fixed-Rate MortgagesContinue

Preparing For Home Loan
Qualifying & Getting Pre-approved | Mortgage Processing And Underwriting | Videos

Preparing For Home Loan Before Applying For a Mortgage

BySapna Sharma Posted onMarch 6, 2024August 8, 2024

This blog will cover preparing for home loan before applying for a mortgage for a smooth mortgage approval without stress….

Continue Reading Preparing For Home Loan Before Applying For a MortgageContinue

Predatory Lending
Regulations

Predatory Lending Laws And Unfair Credit Practices

BySapna Sharma Posted onSeptember 28, 2022July 23, 2024

In this mortgage guide in Gustan Cho Associates we will cover what predatory lending laws are. Predatory Lending is the…

Continue Reading Predatory Lending Laws And Unfair Credit PracticesContinue

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

  • Home Loan with Recent Late Payments
    Home Loan With Recent Late Payments Mortgage GuidelinesDecember 19, 2024
  • Liabilities in Mortgage Qualification
    How Do Underwriters View Liabilities In Mortgage QualificationDecember 19, 2024
  • Manual Underwriting During Chapter 13
    Manual Underwriting During Chapter 13 Mortgage ProcessDecember 19, 2024
  • Mortgage with High DTI
    Mortgage With High DTI Guidelines On Home LoansDecember 18, 2024

DTI Calculators

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Subsidiary Sites

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Resources

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  • How To Reach A Human At The Credit Bureaus
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  • GCA Approves When Others Can’t
  • Mortgage Guides and Home Loan Options
  • How To Un-Freeze a Credit File?
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
    • Preferred Realtor Partner Network
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
      • Kingsley Ifezue | Licensed Real Estate Broker
    • Loan Officers
      • Michael Gracz
      • Ronda Butts
      • Rhonda Smith
  • 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
    • DACA Mortgage Loans
    • 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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