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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 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 Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • 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 Bad Credit Scores
    • 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
      • MLO License School
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    • 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 9
Home Equity
Bad Credit Mortgages

How Much Cash Access Can You Get With Home Equity

ByGustan Cho Posted onOctober 10, 2023July 29, 2025

In this blog, we will cover and explain home equity. Home values have skyrocketed over the past few years. Many…

Continue Reading How Much Cash Access Can You Get With Home EquityContinue

Home Loans With No Credit
Bad Credit Mortgages | Credit Scores | FHA Loans | First Time Home Buyers | Home Mortgages | Re-Establishing Credit | Videos

Home Loans With No Credit Mortgage Guidelines

ByGustan Cho Posted onJuly 13, 2023March 19, 2024

This guide covers applying for and getting approved for home loans with no credit.  We have covered many blogs on…

Continue Reading Home Loans With No Credit Mortgage GuidelinesContinue

Farmers Markets
Bad Credit Mortgages

The Benefits of Moving to Cities With Diverse Farmers Markets

ByMargarett Jurilla Posted onJune 29, 2023December 18, 2023

This guide covers the benefits of moving to cities with diverse Farmers Markets. We will discuss exploring local flavors: The…

Continue Reading The Benefits of Moving to Cities With Diverse Farmers MarketsContinue

Top Beaches of Florida
Bad Credit Mortgages

Comprehensive Guide To The Top Beaches of Florida

ByMargarett Jurilla Posted onJune 27, 2023August 26, 2025

This guide covers a comprehensive guide of the top beaches of Florida. We will discuss the top beaches of Florida…

Continue Reading Comprehensive Guide To The Top Beaches of FloridaContinue

Homebuying and Mortgage Process
Bad Credit Mortgages

Homebuying and Mortgage Process in a Sellers Market

ByAlex Carlucci Posted onJune 6, 2023February 10, 2025

The homebuying and mortgage process in a seller market with historically high rates and soaring inflation can be challenging. The…

Continue Reading Homebuying and Mortgage Process in a Sellers MarketContinue

Borrower Review of Gustan Cho Associates
Videos | Bad Credit Mortgages | Career Opportunities/Loan Officer Training | Mortgage Processing And Underwriting | Mortgage Rates | NON-QM Loans

Borrower Review of Gustan Cho Associates

ByAlex Carlucci Posted onJune 4, 2023July 24, 2024

In this article, we will discuss and cover the borrower review of Gustan Cho Associates. Just this past June 2,…

Continue Reading Borrower Review of Gustan Cho AssociatesContinue

How Much House Can I Afford To Buy Versus Qualify
Bad Credit Mortgages | Home Mortgages | Home Purchase | Videos

How Much House Can I Afford To Buy Versus Qualify

ByGustan Cho Posted onApril 6, 2023July 24, 2024

  In this guide, we will cover how much house can I afford versus qualify. First-time and seasoned home buyers…

Continue Reading How Much House Can I Afford To Buy Versus QualifyContinue

Mortgage for First-Time Home Buyers
Bad Credit Mortgages | First Time Home Buyers | Home Purchase | Videos

Mortgage for First-Time Home Buyers with Bad Credit

ByGustan Cho Posted onMarch 17, 2023July 29, 2025

Borrowers with prior outstanding collections, charged-off accounts, and other bad credit can qualify for a mortgage without paying them off. The key to qualifying for a mortgage is not prior bad credit but timely payments.

Continue Reading Mortgage for First-Time Home Buyers with Bad CreditContinue

Lowest Credit Score Allowed For Mortgage Approvals depends on the individual loan program
Bad Credit Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Lowest Credit Score Allowed For Mortgage Approvals

ByGustan Cho Posted onJanuary 9, 2023August 25, 2025

This guide covers what is the lowest credit score allowed for mortgage approvals. The team at Gustan Cho Associates gets…

Continue Reading Lowest Credit Score Allowed For Mortgage ApprovalsContinue

More Homeowners Fleeing Illinois
Bad Credit Mortgages | Home Mortgages | Home Purchase | Home Sellers | Property Taxes | Real Estate Topic | Resources | Selling Your Home | Videos

More Homeowners Fleeing Illinois Than Any Other State

ByAnngelli Abenes Posted onJanuary 7, 2023August 12, 2025

In this article, we will discuss why More Homeowners Fleeing Illinois Than Any Other State in the nation. Illinois is…

Continue Reading More Homeowners Fleeing Illinois Than Any Other StateContinue

Buying a House in Alaska
Bad Credit Mortgages | Bank Statement Loans

Buying a Home in Alaska With Low FICO Scores and Poor Credit

ByGustan Cho Posted onJanuary 5, 2023July 23, 2024

This article will cover buying a home in Alaska with bad credit. Buying a home in Alaska with bad credit…

Continue Reading Buying a Home in Alaska With Low FICO Scores and Poor CreditContinue

Choosing The Right Lender
Mortgage Lender Overlays | Bad Credit Mortgages | Home Mortgages | Videos

Choosing The Right Lender To Get a Mortgage Loan Approval

ByAlex Carlucci Posted onDecember 10, 2022July 23, 2024

In this blog, we will cover choosing the right lender for a mortgage loan approval. Choosing The Right Lender with…

Continue Reading Choosing The Right Lender To Get a Mortgage Loan ApprovalContinue

Mortgage Rates Versus Housing Prices
Bad Credit Mortgages

Today’s Surging Mortgage Rates Versus Housing Prices

ByMike Gracz Posted onOctober 25, 2022July 23, 2024

In this blog, we will be comparing the skyrocketing mortgage rates versus housing prices. We will cover the forecast of…

Continue Reading Today’s Surging Mortgage Rates Versus Housing PricesContinue

Home Loans in Virginia
Bad Credit Mortgages | Videos

Home Loans in Virginia For Bad Credit and 550 FICO Scores

ByDale Elenteny Posted onJune 13, 2022October 8, 2024

Homebuyers have many mortgage options when looking for home loans in Virginia for bad credit and low credit scores. The…

Continue Reading Home Loans in Virginia For Bad Credit and 550 FICO ScoresContinue

FHA Loan Denied For Low Credit Scores in Ohio | AUS Approval
Bad Credit Mortgages | FHA Loans | Videos

FHA Loan Denied For Low Credit Scores in Ohio | AUS Approval

ByGustan Cho Posted onMay 14, 2022February 10, 2025

In this article, we will cover and discuss the options homebuyers have after they got an FHA loan denied for…

Continue Reading FHA Loan Denied For Low Credit Scores in Ohio | AUS ApprovalContinue

FHA Loans With Under 620 FICO in Utah
Bad Credit Mortgages | FHA Loans

FHA Loans With Under 620 FICO in Utah with Collections

ByMike Gracz Posted onMay 1, 2022July 23, 2024

In this article, we will cover and discuss qualifying for FHA loans with under 620 FICO in Utah with outstanding…

Continue Reading FHA Loans With Under 620 FICO in Utah with CollectionsContinue

Necessary Ending
Bad Credit Mortgages

Necessary Ending Giving Loan Officers Strength

ByMike Gracz Posted onMarch 26, 2022April 3, 2025

In this blog, we will cover and discuss necessary ending giving loan officers strength. Good Morning and Happy Saturday World,…

Continue Reading Necessary Ending Giving Loan Officers StrengthContinue

FHA Loans With Not Paying Off Collections
Bad Credit Mortgages

FHA Loans With Not Paying Off Collections And Charge Off Accounts

ByAlex Carlucci Posted onMarch 2, 2022October 8, 2024

In this blog, we will discuss and cover qualifying and getting approved on FHA loans with not paying off collections…

Continue Reading FHA Loans With Not Paying Off Collections And Charge Off AccountsContinue

Is Now A Good Time For Buying A House With Rising Mortgage Rates
Bad Credit Mortgages

Is Now A Good Time For Buying A House With Rising Mortgage Rates

ByMike Gracz Posted onFebruary 7, 2022October 8, 2024

Is Now A Good Time For Buying A House With Rising Mortgage Rates? Gustan Cho Associates have been following the…

Continue Reading Is Now A Good Time For Buying A House With Rising Mortgage RatesContinue

Merry Christmas From Gustan Cho Associates Mortgage
Bad Credit Mortgages

Merry Christmas From Gustan Cho Associates Mortgage

ByAlex Carlucci Posted onDecember 24, 2021October 8, 2024

Gustan Cho Associates like to thank and wish all of our clients, viewers, and partners a very Merry Christmas from…

Continue Reading Merry Christmas From Gustan Cho Associates MortgageContinue

Building Credit With Timely Housing Payments
Bad Credit Mortgages

Building Credit With Timely Housing Payments

ByMike Gracz Posted onNovember 9, 2021April 7, 2025

This article is about building credit with timely housing payments. One of the strongest credit tradelines consumers can have is…

Continue Reading Building Credit With Timely Housing PaymentsContinue

VA Bad Credit Mortgage
Bad Credit Mortgages

VA Bad Credit Mortgage Guidelines Versus Lender Overlays

ByGustan Cho Posted onNovember 4, 2021July 22, 2024

This Article Is About VA Bad Credit Mortgage Guidelines Versus Lender Overlays VA Home Loans are primary residence owner-occupant mortgages…

Continue Reading VA Bad Credit Mortgage Guidelines Versus Lender OverlaysContinue

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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

  • Bad Credit Mortgage Loans With Collections
    Bad Credit Mortgage Loans With Collections With No StressSeptember 15, 2025
  • Washington DC Lenders
    Washington DC Lenders For Traditional and Non-QM MortgagesSeptember 12, 2025
  • How to Find the Best Realtor
    How To Find The Best Realtor For First-Time HomebuyersSeptember 12, 2025
  • Mortgage Escrow Account
    What is a Mortgage Escrow Account for Purchase and RefinanceSeptember 11, 2025

DTI Calculators

  • FHA DTI Calculator
  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limit Change – See If You Qualify

Subsidiary Sites

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  • GCA Mortgage Group
  • GCA Forum

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Resources

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  • MLO License School
  • DTI Mortgage Calculator
  • Documents Required For Mortgage Process
  • 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: 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 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 Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • 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 Bad Credit Scores
    • 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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