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Gustan Cho Associates
  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • 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 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
    • How to Get DACA Mortgage Loans Without the Stress
    • 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
    • Condotel Financing
    • NON-QM LoansExpand
      • 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
  • CareersExpand
    • Can Realtors Be MLOs At The Same Time
    • Career OpportunitiesExpand
      • Training a New Mortgage Loan Officer Without Any Experience
      • MLO License School
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    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

Bad Credit Mortgages

Home / Bad Credit Mortgages
Wholesale Mortgage Lenders for Non-Prime Loans
Home Mortgages | Bad Credit Mortgages

Best Wholesale Mortgage Lenders For Non-Prime Loans

ByApril Ramirez Posted onMay 5, 2025May 9, 2025

The Best Wholesale Mortgage Lenders for Non-Prime Loans: Your Complete Guide in 2025 Are you a borrower with less-than-perfect credit,…

Continue Reading Best Wholesale Mortgage Lenders For Non-Prime LoansContinue

Bankruptcy or Foreclosure
Bad Credit Mortgages | Re-Establishing Credit | Videos

What’s Worse: Foreclosure or Bankruptcy?

ByGustan Cho Posted onApril 3, 2025April 29, 2025

Bankruptcy and foreclosure both damage your credit and can make it difficult or impossible to buy or refinance a home. But one is worse than the other.

Continue Reading What’s Worse: Foreclosure or Bankruptcy?Continue

Non-QM Mortgage Guidelines
Bad Credit Mortgages

Denied a Loan? Non-QM Mortgage Guidelines Can Help

ByGustan Cho Posted onMarch 27, 2025March 31, 2025

Non-QM Mortgage Guidelines: Your Guide to Getting Approved in 2025 If you’ve been told you don’t qualify for a traditional…

Continue Reading Denied a Loan? Non-QM Mortgage Guidelines Can HelpContinue

Mortgage After Filing Bankruptcy
Bad Credit Mortgages

Mortgage After Filing Bankruptcy With No Waiting Period

ByGustan Cho Posted onMarch 27, 2025March 31, 2025

Bankruptcy can feel like a financial dead end but, it doesn’t have to be. If you’re wondering whether you can…

Continue Reading Mortgage After Filing Bankruptcy With No Waiting PeriodContinue

Alternatives To Bankruptcy
Bad Credit Mortgages

Alternatives To Bankruptcy Waiting Out Bad Credit With SOL

ByGustan Cho Posted onMarch 27, 2025March 31, 2025

What are the alternatives to bankruptcy? Many people are struggling with unbearable debt or bad credit and bankruptcy seems like…

Continue Reading Alternatives To Bankruptcy Waiting Out Bad Credit With SOLContinue

AUS Approval with Late Payments After Bankruptcy
Bad Credit Mortgages | Videos

How To Get AUS Approval With Late Payments After Bankruptcy

ByGustan Cho Posted onMarch 21, 2025March 24, 2025

Getting a mortgage approval after bankruptcy can feel stressful. Having late payments after a bankruptcy discharge makes things even more…

Continue Reading How To Get AUS Approval With Late Payments After BankruptcyContinue

Steps in Getting Mortgage Approval
Bad Credit Mortgages

Steps In Getting Mortgage Approval With Bad Credit Illinois

ByGustan Cho Posted onMarch 19, 2025March 20, 2025

Steps in Getting Mortgage Approval with Bad Credit in Illinois (2025 Update) Can You Get Approved for a Mortgage with…

Continue Reading Steps In Getting Mortgage Approval With Bad Credit IllinoisContinue

Adding Yourself to Another Bank Account
Bad Credit Mortgages

Adding Yourself To Another Bank Account to Qualify for Mortgage

ByGustan Cho Posted onMarch 19, 2025March 20, 2025

Adding Yourself to Another Bank Account to Qualify for a Mortgage If you’ve been told that your bank statements could…

Continue Reading Adding Yourself To Another Bank Account to Qualify for MortgageContinue

Re-Establishing Credit During Waiting Period
Bad Credit Mortgages | Bankruptcy | Re-Establishing Credit

Re-Establishing Credit During Waiting Period

ByGustan Cho Posted onFebruary 25, 2025February 27, 2025

Re-Establishing Credit During Waiting Period: How to Boost Your Credit and Get a Mortgage Life happens. Job loss, medical emergencies,…

Continue Reading Re-Establishing Credit During Waiting PeriodContinue

Mortgage Rates On Bad Credit Loans
Bad Credit Mortgages | Credit Scores | Mortgage Rates | Videos

Mortgage Rates on Bad Credit Loans With Low Credit Scores

ByGustan Cho Posted onFebruary 24, 2025March 11, 2025

Securing a mortgage with bad credit or a low credit score may be difficult, but it is still achievable. While…

Continue Reading Mortgage Rates on Bad Credit Loans With Low Credit ScoresContinue

Pennsylvania HEMP Mortgage Guidelines
Bad Credit Mortgages

Pennsylvania HEMP Mortgage Guidelines

ByMike Gracz Posted onFebruary 20, 2025February 21, 2025

This guide covers Pennsylvania HEMP mortgage guidelines for farmers. Pennsylvania Hemp Mortgage Guidelines for HEMP Farmers. In the past, many…

Continue Reading Pennsylvania HEMP Mortgage GuidelinesContinue

Mortgage Charge Offs Lending Guidelines
Bad Credit Mortgages | Charge Off Accounts | Credit Disputes | Videos

Mortgage Charge Offs Lending Guidelines And Requirements

ByAlex Carlucci Posted onFebruary 18, 2025February 19, 2025

Mortgage Charge Offs Lending Guidelines: Your Guide to Homeownership in 2025 Have you experienced a mortgage charge off and need…

Continue Reading Mortgage Charge Offs Lending Guidelines And RequirementsContinue

Mortgage Loan With Unsatisfied Judgment
Judgment | Bad Credit Mortgages | Videos

Mortgage Loan With Unsatisfied Judgment Guidelines

ByAlex Carlucci Posted onFebruary 13, 2025April 18, 2025

How to Get a Mortgage Loan with Unsatisfied Judgment in 2025 Getting a mortgage loan with an unsatisfied judgment may…

Continue Reading Mortgage Loan With Unsatisfied Judgment GuidelinesContinue

Best Mortgage Lenders for Bad Credit in Hawaii
Bad Credit Mortgages | FHA Loans | High-Balance Mortgage Loans | Jumbo Loans | NON-QM Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Best Mortgage Lenders For Bad Credit in Hawaii

ByGustan Cho Posted onFebruary 10, 2025February 11, 2025

Best Mortgage Lenders for Bad Credit in Hawaii: Get Approved in 2025 If you have bad credit and want to…

Continue Reading Best Mortgage Lenders For Bad Credit in HawaiiContinue

Re-Building Credit After Foreclosure To Qualify For Home Loans
Bad Credit Mortgages

Re-Building Credit After Foreclosure

ByGustan Cho Posted onFebruary 7, 2025February 10, 2025

This guide covers re-building credit after foreclosure to qualify for home loans. A foreclosure can drop credit scores by at least…

Continue Reading Re-Building Credit After ForeclosureContinue

Lawsuit During the Mortgage Process
Home Purchase | Bad Credit Mortgages | Judgment | Videos

Stuck in a Lawsuit During the Mortgage Process? Do This NOW!

ByGustan Cho Posted onFebruary 6, 2025April 8, 2025

Lawsuit During the Mortgage Process: What You Need to Know to Get Approved If you’re in the middle of a…

Continue Reading Stuck in a Lawsuit During the Mortgage Process? Do This NOW!Continue

FHA Loans With Child Support Payments
Bad Credit Mortgages | FHA Loans

FHA Loans With Child Support Payments Mortgage Guidelines

ByGustan Cho Posted onFebruary 6, 2025February 6, 2025

FHA Loans with Child Support Payments: How to Qualify in 2025 Child support payments can significantly affect your ability to…

Continue Reading FHA Loans With Child Support Payments Mortgage GuidelinesContinue

Home Loans for Single Moms
Bad Credit Mortgages | FHA Loans | Freddie Mac HomeOne | Gift of Equity

5 Hidden Grants That Make Home Loans for Single Moms Easy

ByAnngelli Abenes Posted onFebruary 3, 2025February 5, 2025

Buying a home as a single parent may seem tough, but there are home loans for single moms that can…

Continue Reading 5 Hidden Grants That Make Home Loans for Single Moms EasyContinue

FHA Mortgage Guidelines on Collection Accounts
Collection Accounts | Bad Credit Mortgages | Videos

FHA Mortgage Guidelines on Collection Accounts

ByGustan Cho Posted onJanuary 31, 2025April 22, 2025

FHA Mortgage Guidelines on Collection Accounts: How to Qualify for a Home Loan in 2025 Buying a home with collection…

Continue Reading FHA Mortgage Guidelines on Collection AccountsContinue

Southern California Gas Leak
Bad Credit Mortgages

Southern California Gas Leak Update

ByAlex Carlucci Posted onJanuary 27, 2025January 27, 2025

Gustan Cho Associates and Great Content Authority Forums News are updating a new updated guide on the Southern California Gas…

Continue Reading Southern California Gas Leak UpdateContinue

FHA Loan with Recent Late Payments
Bad Credit Mortgages | FHA Loans | Manual Underwriting | Mortgage With Late Payments | Videos

FHA Loan With Recent Late Payments in the Past 12 Months

ByGustan Cho Posted onJanuary 23, 2025April 10, 2025

FHA Loan with Recent Late Payments: A Guide to Qualifying in 2025 Suppose you’ve had recent late payments on your…

Continue Reading FHA Loan With Recent Late Payments in the Past 12 MonthsContinue

Mortgage Guidelines on Late Payments
Bad Credit Mortgages | FHA Loans | Mortgage With Late Payments | NON-QM Loans | Videos

Learn Mortgage Guidelines on Late Payments Today

ByAlex Carlucci Posted onJanuary 23, 2025May 13, 2025

Mortgage Guidelines on Late Payments: How to Qualify for a Home Loan Despite Credit Challenges Life happens. Unexpected events like…

Continue Reading Learn Mortgage Guidelines on Late Payments TodayContinue

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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

DTI Calculators

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  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limits

Subsidiary Sites

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Resources

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  • DTI Mortgage Calculator
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  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
  • Contribute To GCA Mortgage Group
  • 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
    • 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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