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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
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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
Mortgage Rates After Bankruptcy On Government And Conventional Loans
Bad Credit Mortgages

Mortgage Rates After Bankruptcy

ByGustan Cho Posted onDecember 30, 2023August 21, 2025

This guide covers mortgage rates after bankruptcy on government and conventional loans. There are loan level pricing adjustments (LLPA) charged…

Continue Reading Mortgage Rates After BankruptcyContinue

Homeowner Tax Benefits On Home Purchase Versus Renting
Bad Credit Mortgages

Homeowner Tax Benefits Versus Renting

ByAlex Carlucci Posted onDecember 30, 2023July 26, 2024

This guide covers homeowner tax benefits versus renting. There are so many advantages of buying versus renting a home. One…

Continue Reading Homeowner Tax Benefits Versus RentingContinue

Mortgage Approval With Bad Credit and Late Payments
Bad Credit Mortgages | Mortgage Lender Overlays | Videos

Mortgage Approval With Bad Credit and Late Payments

ByGustan Cho Posted onDecember 4, 2023July 8, 2025

This guide covers mortgage approval with bad credit and late payments. Many consumers have had a period in their lives….

Continue Reading Mortgage Approval With Bad Credit and Late PaymentsContinue

Credit Scores Required For FHA and VA Loans
Bad Credit Mortgages | Credit Scores | FHA Loans | VA Loans | Videos

Credit Scores Required For FHA and VA Loans

ByGustan Cho Posted onDecember 4, 2023July 26, 2024

This guide covers the credit scores required for FHA and VA loans. Many borrowers are confused about the credit scores…

Continue Reading Credit Scores Required For FHA and VA LoansContinue

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

Best Bad Credit Mortgage Lenders in Alaska
FHA Loans | Bad Credit Mortgages

Best Bad Credit Mortgage Lenders in Alaska For Low Scores

ByAlex Carlucci Posted onJune 2, 2022July 8, 2025

In this blog, we will cover and discuss the best bad credit mortgage lenders in Alaska for FHA loans. The…

Continue Reading Best Bad Credit Mortgage Lenders in Alaska For Low 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

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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

  • Mortgage with High Student Loan Debt
    Qualifying for Mortgage with High Student Loan DebtsAugust 28, 2025
  • APR Versus Interest Rate
    APR Versus Interest Rate Quoted By Mortgage LendersAugust 28, 2025
  • Chenoa DPA EDGE Program
    Chenoa DPA EDGE Program: Powerful Aid for Home BuyersAugust 28, 2025
  • Apartment Building Loans
    Apartment Building Loans For Real Estate InvestorsAugust 27, 2025

DTI Calculators

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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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