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  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • Why Choose Us
    • Meet Our Team
    • NEXA Career OpportunitiesExpand
      • How To Brand Yourself as a Loan Officer
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
    • Loan OfficersExpand
      • Kingsley Ifezue
      • Michael Gracz
      • Ronda Butts
      • Trinh Collins
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • Refinance Mortgage Options
      • Cash-Out Refinance
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • Rate And Term Refinance
      • FHA Streamline Refinance
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
    • FHA Home LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condominium LoansExpand
      • Warrantable Condos
      • Non-Warrantable Condos
      • Condotel Financing
    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
    • Commercial Loans
  • CareersExpand
    • Can Realtors Be MLOs At The Same Time
    • Career OpportunitiesExpand
      • Training a New Mortgage Loan Officer Without Any Experience
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    • Remote Mortgage Loan Officer Career Opportunities
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    • MLO Revenue Share Residual Income Career Opportunity
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Email Us: alex@gustancho.com

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Automated Underwriting System

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How Errors on Credit Reports Affect AUS FINDINGS
Mortgage Processing And Underwriting | Automated Underwriting System | Credit Disputes | Credit Scores | Videos

How Errors on Credit Reports Affect AUS FINDINGS

ByGustan Cho Posted onMarch 18, 2023March 24, 2023

In this guide, we will cover how errors on credit reports affect AUS Findings. One of the most important things…

Continue Reading How Errors on Credit Reports Affect AUS FINDINGSContinue

Should I Use Fannie Mae or Freddie Mac For AUS
Automated Underwriting System

Should I Use Fannie Mae or Freddie Mac For AUS

ByGustan Cho Posted onNovember 22, 2022December 28, 2022

In this article, we will cover and discuss whether should I use Fannie Mae or Freddie Mac for AUS. There…

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

Pre-Qualifying Borrowers With Bad Credit For Mortgage Loans
Home Mortgage | Automated Underwriting System | Bad Credit Mortgages | Videos

Pre-Qualifying Borrowers With Bad Credit For Mortgage Loans

ByGustan Cho Posted onOctober 2, 2022October 29, 2022

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

What Is DU Automated Approval per AUS FINDINGS
Automated Underwriting System

What Is DU Automated Approval per AUS FINDINGS

ByGustan Cho Posted onSeptember 22, 2022October 6, 2022

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 Refer-Eligible Findings Versus AUS Approval Guidelines
Automated Underwriting System | Videos

VA Refer-Eligible Findings Versus AUS Approval Guidelines

ByAlex Carlucci Posted onSeptember 10, 2022October 7, 2022

In this blog, we will discuss and cover VA refer-eligible findings versus AUS approval guidelines. The United States Department of…

Continue Reading VA Refer-Eligible Findings Versus AUS Approval GuidelinesContinue

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

Maximum Debt-To-Income Ratios For AUS Approval

ByGustan Cho Posted onJuly 15, 2022October 26, 2022

In this blog, we will cover and discuss the maximum debt-to-income ratios for AUS approval. One of the key factors…

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

How To Get Refer To Approve-Eligible Per AUS Approval
Automated Underwriting System | Videos

How To Get Refer To Approve-Eligible Per AUS Approval

ByGustan Cho Posted onMay 26, 2022June 26, 2022

How To Get Refer To Approve-Eligible Per AUS To Qualify For Mortgage: There are ways of trying to get a refer/eligible findings to an approve/eligible per automated underwriting system.

Continue Reading How To Get Refer To Approve-Eligible Per AUS ApprovalContinue

Refer-Eligible Per Automated Underwriting System Findings
Automated Underwriting System | Videos

Refer-Eligible Per Automated Underwriting System Findings

ByGustan Cho Posted onApril 10, 2022April 14, 2022

In this article, we will cover and discuss refer-eligible per automated underwriting system findings. All mortgage loan applicants need to…

Continue Reading Refer-Eligible Per Automated Underwriting System FindingsContinue

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

VA Automated Findings On Automated Underwriting System (AUS)

ByGustan Cho Posted onApril 7, 2022April 7, 2022

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

How Do Mortgage Underwriters Qualify Borrowers
Automated Underwriting System | Mortgage Processing And Underwriting

How Do Mortgage Underwriters Qualify Borrowers

ByGustan Cho Posted onApril 3, 2022April 5, 2022

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

VA AUS Approval With Low Credit Scores and High DTI
Automated Underwriting System | Manual Underwriting | Videos

VA AUS Approval With Low Credit Scores and High DTI

ByGustan Cho Posted onMarch 12, 2022March 12, 2022

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

Automated Approval From Automated Underwriting System
Automated Underwriting System | Videos

Automated Approval From Automated Underwriting System

ByGustan Cho Posted onMarch 6, 2022March 6, 2022

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

Continue Reading Automated Approval From Automated Underwriting SystemContinue

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

FHA AUS Approval Versus Manual Underwriting On FHA Loans

ByGustan Cho Posted onOctober 26, 2021October 26, 2021

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

Understanding The Automated Underwriting System Approval
Automated Underwriting System

Understanding The Automated Underwriting System Approval

ByGustan Cho Posted onOctober 24, 2021October 24, 2021

This article covers Understanding The Automated Underwriting System Approval Understanding The Automated Underwriting System Approval is key for borrowers with…

Continue Reading Understanding The Automated Underwriting System ApprovalContinue

FHA Automated Findings With Low Credit Scores And High DTI
Videos | Automated Underwriting System

FHA Automated Findings With Low Credit Scores And High DTI

ByGustan Cho Posted onAugust 17, 2021August 20, 2021

This Article Is About FHA Automated Findings With Low Credit Scores And High DTI  It will be much more difficult…

Continue Reading FHA Automated Findings With Low Credit Scores And High DTIContinue

AUS Approval On Conventional Loans Versus Refer-Eligible Per AUS
Automated Underwriting System | Videos

AUS Approval On Conventional Loans Versus Refer-Eligible Per AUS

ByGustan Cho Posted onJuly 24, 2021July 24, 2021

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-Eligible Per AUSContinue

Fannie Mae Automated Underwriting System Approval
Automated Underwriting System

Fannie Mae Automated Underwriting System Approval

ByGustan Cho Posted onFebruary 1, 2021July 11, 2022

This Article Is About Fannie Mae Automated Underwriting System Approval Borrowers normally need an automated approval by the Automated Underwriting…

Continue Reading Fannie Mae Automated Underwriting System ApprovalContinue

Automated Underwriting System Findings On Home Mortgages
Automated Underwriting System

Automated Underwriting System Findings On Home Mortgages

ByGustan Cho Posted onJanuary 26, 2021October 12, 2022

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

HUD FHA Automated Findings On Automated Underwriting System (AUS)
Automated Underwriting System

HUD FHA Automated Findings On Automated Underwriting System (AUS)

ByGustan Cho Posted onAugust 9, 2020July 22, 2022

This ARTICLE On HUD FHA Automated Findings On Automated Underwriting System (AUS) The Automated Underwriting System (Often referred to AUS)…

Continue Reading HUD FHA Automated Findings On Automated Underwriting System (AUS)Continue

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    Gustan Cho Associates are mortgage brokers 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. You can rest assured any owner-occupant primary home, second home, or investment property mortgage loan program in the marketplace, you will find them offered at Gustan Cho Associates Talk to a loan officer today

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      What Are My Mortgage Options Buying a House in NevadaMarch 18, 2023
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      Getting Approved For a Mortgage With Outstanding CollectionsMarch 18, 2023

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    • About Us
      • Contact Us
      • Get Pre-Approved
      • Order Credit
      • Why Choose Us
      • Meet Our Team
      • NEXA Career Opportunities
        • How To Brand Yourself as a Loan Officer
      • Preferred Realtor Partner Network
        • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
        • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
      • Loan Officers
        • Kingsley Ifezue
        • Michael Gracz
        • Ronda Butts
        • Trinh Collins
    • Types Of Mortgages
      • Purchase
        • Home Purchase Loans
        • Investment Property Loan
      • Refinance
        • Refinance Mortgage Options
        • Cash-Out Refinance
        • Chapter 13 Bankruptcy Cash-Out-Buyout
        • Rate And Term Refinance
        • 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
      • Condominium Loans
        • Warrantable Condos
        • Non-Warrantable Condos
        • 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
      • Mortgage Branch Careers
      • Remote Mortgage Loan Officer Career Opportunities
      • How Do I Become A Mortgage Loan Officer
      • MLO Revenue Share Residual Income Career Opportunity
    • Videos
    • Blogs
    • Testimonials
    • Talk To A Loan Officer