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Automated Underwriting System

Home / Automated Underwriting System
AUS Approval on Conventional Loans
Automated Underwriting System | Videos

AUS Approval On Conventional Loans Versus Refer/Eligible

ByGustan Cho Posted onApril 1, 2025April 7, 2025

AUS Approval On Conventional Loans Versus Refer-Eligible Per AUS: There are ways and tricks of the trade to get an approve eligible per automated underwriting system on conventional loans.

Continue Reading AUS Approval On Conventional Loans Versus Refer/EligibleContinue

Errors on Credit Reports
Mortgage Processing And Underwriting | Automated Underwriting System | Credit Disputes | Credit Scores | Videos

How Errors on Credit Reports Affect AUS FINDINGS

ByGustan Cho Posted onJanuary 21, 2025January 23, 2025

How Errors on Credit Reports Impact Mortgage Approvals If you’re looking to buy a home, one of the first things…

Continue Reading How Errors on Credit Reports Affect AUS FINDINGSContinue

Maximum Debt-To-Income Ratios For AUS Approval
Automated Underwriting System | High Debt To Income Ratio | Videos

Maximum Debt-To-Income Ratios For AUS Approval

ByGustan Cho Posted onOctober 1, 2024May 20, 2025

Maximum Debt-To-Income Ratios for AUS Approval: What You Need to Know in 2024 When applying for a mortgage, your debt-to-income…

Continue Reading Maximum Debt-To-Income Ratios For AUS ApprovalContinue

Mortgage With Collection Accounts
Automated Underwriting System | Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Videos

Mortgage With Collection Accounts And Charge-Offs

ByGustan Cho Posted onOctober 1, 2024May 20, 2025

In 2024, is it possible to secure a mortgage with collection accounts? Yes, find out how it can be done!…

Continue Reading Mortgage With Collection Accounts And Charge-OffsContinue

FHA DTI Guidelines
High Debt To Income Ratio | Automated Underwriting System | FHA Loans | Videos

FHA DTI Guidelines for Getting an Approve/Eligible Per AUS

ByAnngelli Abenes Posted onJuly 5, 2024August 30, 2024

First-time homebuyers, especially, may be easily overwhelmed by the complexities of purchasing a home. One of the most critical aspects…

Continue Reading FHA DTI Guidelines for Getting an Approve/Eligible Per AUSContinue

Pre-Qualifying Borrowers
Home Mortgages | Automated Underwriting System | Qualifying & Getting Pre-approved | Videos

Pre-Qualifying Borrowers With Bad Credit For Mortgage Loans

ByGustan Cho Posted onJune 20, 2024April 7, 2025

In this blog, we will be covering pre-qualifying borrowers with bad credit for mortgage loans. This article on pre-qualifying borrowers…

Continue Reading Pre-Qualifying Borrowers With Bad Credit For Mortgage LoansContinue

VA Automated Findings
Automated Underwriting System | VA Loans | Videos

VA Automated Findings On Automated Underwriting System (AUS)

ByGustan Cho Posted onJune 13, 2024August 30, 2024

In this article, we will discuss and cover the VA automated findings on the automated underwriting systems (AUS). VA loans…

Continue Reading VA Automated Findings On Automated Underwriting System (AUS)Continue

Layered Risk In Manual Underwriting
Manual Underwriting | Automated Underwriting System | Videos

What Factors Are Considered Layered Risk In Manual Underwriting

ByAnngelli Abenes Posted onMay 30, 2024August 29, 2024

In this blog, we will be discussing the factors that are considered layered risks in manual underwriting. FHA and VA…

Continue Reading What Factors Are Considered Layered Risk In Manual UnderwritingContinue

FHA AUS Approval Versus Manual Underwriting
Automated Underwriting System | FHA Loans | Manual Underwriting | Videos

FHA AUS Approval Versus Manual Underwriting On FHA Loans

ByGustan Cho Posted onMay 30, 2024August 29, 2024

This Article Is About FHA AUS Approval Versus Manual Underwriting On FHA Loans  HUD, the parent of the Federal Housing…

Continue Reading FHA AUS Approval Versus Manual Underwriting On FHA LoansContinue

Should I Use Fannie Mae Or Freddie Mac
Automated Underwriting System | video

Should I Use Fannie Mae or Freddie Mac For AUS

ByAnngelli Abenes Posted onMay 10, 2024August 28, 2024

In this article, we’ll discuss about Should I Use Fannie Mae or Freddie Mac for Automated Underwriting Systems (AUS). There…

Continue Reading Should I Use Fannie Mae or Freddie Mac For AUSContinue

Manual Downgrade From AUS Approval
FHA Loans | Automated Underwriting System | Manual Underwriting | Videos

Manual Downgrade From AUS Approval on FHA Loans

ByAnngelli Abenes Posted onMay 2, 2024August 23, 2024

In this blog, we will discuss and cover the manual downgrade from AUS approval on FHA loans. Manual Downgrade From…

Continue Reading Manual Downgrade From AUS Approval on FHA LoansContinue

VA AUS Approval
Automated Underwriting System | Manual Underwriting | Videos

VA AUS Approval With Low Credit Scores and High DTI

ByGustan Cho Posted onApril 30, 2024August 23, 2024

In this article, we will discuss VA AUS approval versus manual underwriting on VA loans. VA loans are the best…

Continue Reading VA AUS Approval With Low Credit Scores and High DTIContinue

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

What is a DU Automated Approval
Automated Underwriting System | FHA Loans | VA Loans | Videos

What Is DU Automated Approval per AUS FINDINGS

ByGustan Cho Posted onMarch 27, 2024August 15, 2024

In this blog, we will cover and discuss what is DU automated approval on the automated underwriting system. A sound…

Continue Reading What Is DU Automated Approval per AUS FINDINGSContinue

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

Applying For Mortgage With Another Lender When Denied
Automated Underwriting System | Home Mortgages | Mortgage Denial | Videos

Applying For Mortgage With Another Lender When Denied

ByGustan Cho Posted onMarch 21, 2024April 7, 2025

In this article, we will cover and discuss applying for mortgage with another lender when denied by the original lender….

Continue Reading Applying For Mortgage With Another Lender When DeniedContinue

Automated Underwriting System Findings On Home Mortgages
Automated Underwriting System | Home Mortgages | Manual Underwriting | Videos

Automated Underwriting System Findings On Home Mortgages

ByGustan Cho Posted onMarch 18, 2024March 19, 2024

In this blog, we will cover and discuss the automated underwriting system approval, which is also referred to as AUS…

Continue Reading Automated Underwriting System Findings On Home MortgagesContinue

automated approval
Automated Underwriting System | Compensating Factors | Manual Underwriting | Videos

Automated Approval By The Automated Underwriting System

ByGustan Cho Posted onMarch 15, 2024October 9, 2024

In this blog, we will cover and discuss the automated approval by the automated underwriting system. It is key to…

Continue Reading Automated Approval By The Automated Underwriting SystemContinue

Conventional Loan After Chapter 7 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Automated Underwriting System | Conventional Loans | FHA Loans | Videos

Conventional Loan After Chapter 7 Bankruptcy Mortgage Guidelines

ByGustan Cho Posted onMarch 15, 2024March 11, 2025

There’s a common misconception that only those with excellent credit scores can secure a conventional loan, while FHA loans are…

Continue Reading Conventional Loan After Chapter 7 Bankruptcy Mortgage GuidelinesContinue

How Do Mortgage Underwriters Qualify Borrowers
Home Mortgages | Automated Underwriting System | Conditional Loan Approval | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How Do Mortgage Underwriters Qualify Borrowers

ByGustan Cho Posted onMarch 11, 2024October 8, 2024

In this blog, we will cover and discuss how do mortgage underwriters qualify borrowers. Credit scores and income is what…

Continue Reading How Do Mortgage Underwriters Qualify BorrowersContinue

Paying Rent Timely Will Help Get Mortgage Approved
Automated Underwriting System | First Time Home Buyers | Manual Underwriting | Verification Of Rent | Videos

Paying Rent Timely Will Help Get a Mortgage Approved

ByGustan Cho Posted onMarch 4, 2024August 8, 2024

This guide covers how paying rent timely will help get a mortgage approved. Homebuyers who have little to no credit…

Continue Reading Paying Rent Timely Will Help Get a Mortgage ApprovedContinue

VA Credit Dispute
Automated Underwriting System | Credit Disputes | VA Loans | Videos

VA Credit Dispute Guidelines During Mortgage Process

ByAlex Carlucci Posted onFebruary 24, 2024April 25, 2025

This blog will share some helpful tips about VA credit dispute guidelines. VA loans are often seen as one of…

Continue Reading VA Credit Dispute Guidelines During Mortgage ProcessContinue

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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
      • 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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