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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
    • Mortgage Branch Careers
    • Remote Mortgage Loan Officer Career Opportunities
    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
  • Videos
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    • Headline News Archives
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

Bad Credit Mortgages

Home / Bad Credit Mortgages - Page 5
FHA 203k Rehab Loan After Bankruptcy
FHA 203k Loan | Bad Credit Mortgages | Bankruptcy | FHA Loans | Videos

FHA 203k Rehab Loan After Bankruptcy Mortgage Guidelines

ByAnngelli Abenes Posted onJuly 9, 2024January 22, 2025

Understanding FHA 203k Rehab Loans After Bankruptcy Securing a home loan after experiencing bankruptcy can be challenging. Still, the FHA…

Continue Reading FHA 203k Rehab Loan After Bankruptcy Mortgage GuidelinesContinue

Mortgage With Auto Loan
Auto Loans | Bad Credit Mortgages | Videos

Mortgage With Auto Loan: Navigating Challenges and Solutions

ByAnngelli Abenes Posted onJuly 8, 2024June 5, 2025

An auto loan can be a deal killer when it comes to getting qualified for a mortgage. The average monthly auto loan on a new car is $500 per month. $500 per month is equivalent to a $100,000 mortgage payment.

Continue Reading Mortgage With Auto Loan: Navigating Challenges and SolutionsContinue

Illinois Mortgage With Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | VA Loans | Videos

Illinois Mortgage With Bad Credit Mortgage Options

ByAnngelli Abenes Posted onJuly 8, 2024June 5, 2025

Your All-Inclusive Manual to Getting a Mortgage with Poor Credit in Illinois. Do you fear poor credit could dash your…

Continue Reading Illinois Mortgage With Bad Credit Mortgage OptionsContinue

Qualifying For FHA Loan After Foreclosure
Mortgage After Bankruptcy and Foreclosure | Bad Credit Mortgages | Bankruptcy | FHA Loans | Videos

Qualifying For FHA Loan After Foreclosure

ByGustan Cho Posted onJune 26, 2024July 8, 2025

Qualifying for FHA loan after foreclosure is now possible for homebuyers who meet the mandatory waiting period after foreclosure. Fannie…

Continue Reading Qualifying For FHA Loan After ForeclosureContinue

Home Loan With Bad Credit In Indiana
Bad Credit Mortgages | Conventional Loans | FHA Loans | VA Loans | Videos

Home Loan With Bad Credit In Indiana With No Overlays

ByGustan Cho Posted onJune 24, 2024June 5, 2025

This article concerns securing a home loan with bad credit in Indiana with no overlays. Indiana home values are skyrocketing…

Continue Reading Home Loan With Bad Credit In Indiana With No OverlaysContinue

Home Loans in South Carolina
FHA Loans | Bad Credit Mortgages | NON-QM Loans | Videos

Home Loans in South Carolina For Homebuyers With Bad Credit

ByGustan Cho Posted onJune 23, 2024June 5, 2025

In this article, we will cover and discuss home loans in South Carolina for homebuyers with bad credit and low…

Continue Reading Home Loans in South Carolina For Homebuyers With Bad CreditContinue

Bad Credit Mortgage Lenders in Rhode Island
Bad Credit Mortgages | FHA Loans | High Debt To Income Ratio | NON-QM Loans | Videos

Bad Credit Mortgage Lenders in Rhode Island with 500 FICO

ByGustan Cho Posted onJune 22, 2024June 5, 2025

In this blog, we will discuss and cover bad credit mortgage lenders in Rhode Island for borrowers with bad credit…

Continue Reading Bad Credit Mortgage Lenders in Rhode Island with 500 FICOContinue

Mortgage With Unpaid Collections in Wisconsin
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | FHA Loans | Videos

Mortgage With Unpaid Collections in Wisconsin

ByAlex Carlucci Posted onJune 22, 2024June 5, 2025

In this blog, we will cover and discuss qualifying for a mortgage with unpaid collections in Wisconsin in 2022. Many…

Continue Reading Mortgage With Unpaid Collections in WisconsinContinue

Mortgage Options For Homebuyers in Idaho
Bad Credit Mortgages | Home Mortgages | Home Purchase | Videos

Mortgage Options For Homebuyers in Idaho With Bad Credit

ByDale Elenteny Posted onJune 21, 2024June 5, 2025

In this article, we will cover and discuss mortgage options for homebuyers in Idaho with bad credit and low credit…

Continue Reading Mortgage Options For Homebuyers in Idaho With Bad CreditContinue

Washington NON-QM Lenders
Bad Credit Mortgages | Bank Statement Loans | No-Ratio Mortgage Loans | NON-QM Loans | Videos

Washington NON-QM Lenders For No-Doc and DSCR Loans

ByGustan Cho Posted onJune 21, 2024June 5, 2025

Washington NON-QM Lenders are offering multiple non-prime loans throughout the state. Homebuyers in Washington state no longer are tied with…

Continue Reading Washington NON-QM Lenders For No-Doc and DSCR LoansContinue

Best New Hampshire Mortgage Lenders For Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Videos

Best New Hampshire Mortgage Lenders For Bad Credit

ByAlex Carlucci Posted onJune 21, 2024June 5, 2025

In this article, we will cover and discuss qualifying and getting approved with the best New Hampshire Mortgage Lenders for…

Continue Reading Best New Hampshire Mortgage Lenders For Bad CreditContinue

Getting Approved For VA Loans in New Mexico With Bad Credit
Bad Credit Mortgages | VA Loans | Videos

Getting Approved For VA Loans in New Mexico With Bad Credit

ByGustan Cho Posted onJune 19, 2024June 6, 2025

In this article, we will cover getting approved for VA loans in New Mexico. Are you an active duty military…

Continue Reading Getting Approved For VA Loans in New Mexico With Bad CreditContinue

Checking Your Credit Before Buying Home
Bad Credit Mortgages | Credit Disputes | Credit Scores | Videos

Checking Your Credit Before Buying Home

ByGustan Cho Posted onJune 17, 2024June 9, 2025

This  guide covers checking your credit before buying home.  Your credit score and credit report are significant in the mortgage…

Continue Reading Checking Your Credit Before Buying HomeContinue

VA Loans Ohio
VA Loans | Bad Credit Mortgages | Mortgage Lender Overlays | Videos

VA Loans Ohio With Bad Credit And No Lender Overlays

ByGustan Cho Posted onJune 13, 2024June 9, 2025

This Article Is About VA Loans Ohio With Bad Credit And No Lender Overlays Ohio is one of the hottest…

Continue Reading VA Loans Ohio With Bad Credit And No Lender OverlaysContinue

10 Ideas to Make Money In Florida
Bad Credit Mortgages

10 Ideas to Make Money In Florida During A Booming Economy

ByAnngelli Abenes Posted onJune 5, 2024June 11, 2025

Florida, the most southern state in the United States, has a strong economy fueled by manufacturing, building, global finance, healthcare…

Continue Reading 10 Ideas to Make Money In Florida During A Booming EconomyContinue

Conventional Loan After Short Sale vs Foreclosure
Bad Credit Mortgages | Conventional Loans | video

Conventional Loan After Short Sale vs Foreclosure Guidelines

ByGustan Cho Posted onJune 3, 2024June 11, 2025

This  guide covers conventioal loan after short sale vs foreclosure guidelines. Since 2008, millions of Americans have witnessed their equity…

Continue Reading Conventional Loan After Short Sale vs Foreclosure GuidelinesContinue

First Time Home Buying Process
Bad Credit Mortgages | Clear To Close | Home Purchase | Qualifying & Getting Pre-approved

First Time Home Buying Process Starts With Pre-Approval

ByGustan Cho Posted onJune 3, 2024June 11, 2025

This article discusses the first time home buying process, emphasizing that it starts with pre-approval. The initial step for those…

Continue Reading First Time Home Buying Process Starts With Pre-ApprovalContinue

Buying a House in Washington DC
Bad Credit Mortgages | Home Mortgages | video

Steps To Buying a House in Washington DC

ByGustan Cho Posted onMay 31, 2024June 11, 2025

In this blog, we will cover the frequently asked question of what are the steps to buying a house in…

Continue Reading Steps To Buying a House in Washington DCContinue

Home Buyers With Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Videos

Home Buyers With Bad Credit Mortgage Options

ByMargarett Jurilla Posted onMay 30, 2024June 11, 2025

In this blog, we will cover and discuss the various mortgage options home buyers with bad credit have in qualifying…

Continue Reading Home Buyers With Bad Credit Mortgage OptionsContinue

HUD Derogatory Credit Guidelines
Bad Credit Mortgages | Charge Off Accounts | Credit Disputes | FHA Loans | video

HUD Derogatory Credit Guidelines On FHA Home Loans

ByAnngelli Abenes Posted onMay 30, 2024June 11, 2025

If you have lower credit scores and multiple prior derogatory credit tradelines, FHA loans are your best bet to get an approve/eligible per automated underwriting system (AUS).

Continue Reading HUD Derogatory Credit Guidelines On FHA Home LoansContinue

Credit in Mortgage Process
Re-Establishing Credit | Bad Credit Mortgages | Credit Disputes | Credit Scores | Videos

Credit in Mortgage Process: Credit Scores vs Credit Report

ByGustan Cho Posted onMay 29, 2024June 11, 2025

This guide covers credit in mortgage process. We will cover the difference between credit scores vs credit reports. Credit in…

Continue Reading Credit in Mortgage Process: Credit Scores vs Credit ReportContinue

FHA Loans vs VA Loans
Bad Credit Mortgages | FHA Loans | VA Loans | Videos

FHA Loans vs VA Loans: Comparing Mortgage Options

ByAlex Carlucci Posted onMay 29, 2024June 11, 2025

In this article, we will be comparing FHA loans vs VA loans. VA loans by far are the best mortgage…

Continue Reading FHA Loans vs VA Loans: Comparing Mortgage OptionsContinue

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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

  • Sacramento California Home Purchase
    Sacramento California Home Purchase With Bad CreditAugust 7, 2025
  • Deficiency Judgments
    Qualifying For Home Loans With Deficiency JudgmentsAugust 7, 2025
  • What are 7 Ways to Defend a Debt Collection Lawsuit
    7 Ways to Defend a Debt Collection Lawsuit by ConsumersAugust 7, 2025
  • One Day Mortgage Loan Approval
    One Day Mortgage Loan Approval Process For HomebuyersAugust 7, 2025

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Resources

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  • How To Increase FICO Scores For a Mortgage
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  • 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: 5559 S Sossaman Rd | Bldg 1 #101, Mesa, AZ 85212 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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