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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

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Feds Start Land Seizures
Headline News Archives

Feds Start Land Seizures Along Texas Border To Build Wall

ByAlex Carlucci Posted onJuly 17, 2025July 17, 2025

In this guide, we will cover Feds start land seizures along the Texas border to clear path for new wall. …

Continue Reading Feds Start Land Seizures Along Texas Border To Build WallContinue

Waiting Period After Loan Modification
Home Purchase

Waiting Period After Loan Modification to Qualify for a Loan

ByGustan Cho Posted onJuly 17, 2025July 18, 2025

.Waiting Period After Loan Modification: What You Need to Know Before You Apply for a Mortgage If you’ve gone through…

Continue Reading Waiting Period After Loan Modification to Qualify for a LoanContinue

Hard Money Loan Closings
Commercial Loans | Hard Money Loans | House Flipping | Investment Homes

Need Fast Funding? Hard Money Loan Closings Made Simple

ByGustan Cho Posted onJuly 17, 2025July 18, 2025

Hard Money Loan Closings: A Complete Guide to Quick Financing for Real Estate Investors Are you a real estate investor…

Continue Reading Need Fast Funding? Hard Money Loan Closings Made SimpleContinue

Mortgage Denial From Bank
Mortgage Processing And Underwriting

What To Do If Borrowers Get Mortgage Denial From Bank

ByGustan Cho Posted onJuly 17, 2025July 17, 2025

In this guide, we will cover what to do if borrowers get mortgage denial from bank. First and foremost, find…

Continue Reading What To Do If Borrowers Get Mortgage Denial From BankContinue

Debt-To-Income Ratio Overlays
High Debt To Income Ratio | FHA Loans | Home Mortgages | Videos

Debt-To-Income Ratio Overlays Versus Agency Guidelines

ByGustan Cho Posted onJuly 17, 2025July 18, 2025

Debt-to-Income Ratio Overlays: What Homebuyers Need to Know Your debt-to-income ratio (DTI) matters to lenders when getting a mortgage. But…

Continue Reading Debt-To-Income Ratio Overlays Versus Agency GuidelinesContinue

Fannie Mae Automated Underwriting System Approval
Automated Underwriting System

Fannie Mae Automated Underwriting System Approval

ByGustan Cho Posted onJuly 17, 2025July 18, 2025

Fannie Mae Automated Underwriting System Approval: What You Need to Know to Get Approved in 2025 Getting a mortgage can…

Continue Reading Fannie Mae Automated Underwriting System ApprovalContinue

Owner Financing on Home Purchase
Home Mortgages

Owner Financing On Home Purchase For Buyers And Sellers

ByAlex Carlucci Posted onJuly 17, 2025July 18, 2025

Owner Financing on Home Purchase: A Simple Guide for Buyers and Sellers If you dream of buying a home but…

Continue Reading Owner Financing On Home Purchase For Buyers And SellersContinue

Buying a House with Tenants
Bad Credit Mortgages

Buying A House With Tenants Who Are Still Occupants

ByGustan Cho Posted onJuly 16, 2025July 17, 2025

Buying a House With Tenants: Everything You Need to Know Buying a house with tenants already living there can be…

Continue Reading Buying A House With Tenants Who Are Still OccupantsContinue

FHA Streamline Refinance
Mortgage Refinance

FHA Streamline Refinance: No Appraisal and No Income Check

ByGustan Cho Posted onJuly 16, 2025July 17, 2025

In this guide we will cover FHA streamline refinance loans. FHA Streamline Refinance has no income verification, no credit check,…

Continue Reading FHA Streamline Refinance: No Appraisal and No Income CheckContinue

Benefits of Open Houses
Home Purchase | Home Sellers | Real Estate Topic | Selling Your Home | Videos

Benefits of Open Houses For Homebuyers and Sellers

ByMargarett Jurilla Posted onJuly 16, 2025July 17, 2025

This guide covers the benefits of open houses for homebuyers and sellers. There are many reasons why a homeowner decides…

Continue Reading Benefits of Open Houses For Homebuyers and SellersContinue

Mechanics Lien Placed On Homes By General Contractors
Bad Credit Mortgages

Mechanics Lien Placed On Homes By General Contractors

ByGustan Cho Posted onJuly 16, 2025July 17, 2025

Mechanics Lien: What Homeowners Need To Know Before It Affects Your Property A mechanics lien is one of those things…

Continue Reading Mechanics Lien Placed On Homes By General ContractorsContinue

Self-Employed Mortgage Borrowers
Income And Employment | Bank Statement Loans | NON-QM Loans | Videos

Self-Employed Mortgage Borrowers With No Income Tax Returns

ByAlex Carlucci Posted onJuly 16, 2025July 17, 2025

In this guide, we will cover self-employed mortgage borrowers with no income tax returns required on a home purchase. Many…

Continue Reading Self-Employed Mortgage Borrowers With No Income Tax ReturnsContinue

Working With Real Estate Agents
Real Estate Topic

Working With Real Estate Agents Who Are Licensed MLO

ByAlex Carlucci Posted onJuly 16, 2025July 17, 2025

In this blog, we will cover and discuss working with real estate agents who are also NMLS licensed mortgage loan…

Continue Reading Working With Real Estate Agents Who Are Licensed MLOContinue

Buying a House in Iowa
Bad Credit Mortgages

First Time Buying a House in Iowa? Start Here

ByAlex Carlucci Posted onJuly 15, 2025July 17, 2025

Buying a House in Iowa: Everything You Need to Know in 2025 If you are considering buying a house in…

Continue Reading First Time Buying a House in Iowa? Start HereContinue

Buying a Home in Hawaii With Bad Credit
Bad Credit Mortgages

Fast Guide to Buying a Home in Hawaii With Bad Credit

ByMargarett Jurilla Posted onJuly 15, 2025July 17, 2025

Buying a Home in Hawaii With Bad Credit: Your 2025 Guide to Making It Happen Dreaming of living in paradise…

Continue Reading Fast Guide to Buying a Home in Hawaii With Bad CreditContinue

15-Year vs 30-Year FHA Loans
FHA Loans

15-Year vs 30-Year FHA Loans: Which Is Better for You?

ByGustan Cho Posted onJuly 15, 2025July 16, 2025

In this guide, we will cover getting 15-year vs 30-year FHA loans. We will compare and contrast 15-year vs 30-year…

Continue Reading 15-Year vs 30-Year FHA Loans: Which Is Better for You?Continue

The Best Bad Credit Mortgage Lenders In Delaware
Bad Credit Mortgages | Judgment

The Best Bad Credit Mortgage Lenders In Delaware

ByGustan Cho Posted onJuly 15, 2025July 17, 2025

The Best Bad Credit Mortgage Lenders in Delaware (2025 Update) It can seem overwhelming if you have bad credit and…

Continue Reading The Best Bad Credit Mortgage Lenders In DelawareContinue

Can You Buy a House With Bad Credit
Bad Credit Mortgages

Can You Buy a House With Bad Credit

ByGustan Cho Posted onJuly 15, 2025July 16, 2025

Can you buy a house with bad credit? One of the most frequently asked questions we get is can you…

Continue Reading Can You Buy a House With Bad CreditContinue

Escrow Account Mortgage Guidelines
Conventional Loans | FHA Loans | Home Mortgages | Videos

Escrow Account Mortgage Guidelines on Home Mortgage Loans

ByJohn Strange Posted onJuly 15, 2025July 17, 2025

This article covers escrow account mortgage guidelines and requirements.  Lenders conduct periodic escrow analyses to ensure that the account balance…

Continue Reading Escrow Account Mortgage Guidelines on Home Mortgage LoansContinue

Primary Home
Home Purchase | Real Estate Topic | Second Homes | Videos

Primary Home Versus Second Home Purchase

ByGustan Cho Posted onJuly 15, 2025July 17, 2025

Primary Home Mortgage Guide: What Counts, What Doesn’t, and How to Qualify When buying a home, one of the most…

Continue Reading Primary Home Versus Second Home PurchaseContinue

Florida Homeowners Insurance
Home Mortgages | Home Purchase | Homeowners Insurance

The Crisis of Florida Homeowners Insurance

ByGustan Cho Posted onJuly 14, 2025July 17, 2025

Florida Homeowners Insurance: What You Need to Know in 2025 Florida homeowners insurance is more than just a requirement—it’s your…

Continue Reading The Crisis of Florida Homeowners InsuranceContinue

Refinancing Non-QM To Conforming Loans
NON-QM Loans | Mortgage Rates | Mortgage Refinance | Videos

Refinancing NON-QM To Conforming Loans

ByAlex Carlucci Posted onJuly 14, 2025July 17, 2025

Refinancing Non-QM to Conforming Loans in 2025: A Smart Move for Lower Rates If you have a non-QM loan and…

Continue Reading Refinancing NON-QM To Conforming LoansContinue

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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

  • Feds Start Land Seizures
    Feds Start Land Seizures Along Texas Border To Build WallJuly 17, 2025
  • Waiting Period After Loan Modification
    Waiting Period After Loan Modification to Qualify for a LoanJuly 17, 2025
  • Hard Money Loan Closings
    Need Fast Funding? Hard Money Loan Closings Made SimpleJuly 17, 2025
  • Mortgage Denial From Bank
    What To Do If Borrowers Get Mortgage Denial From BankJuly 17, 2025

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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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