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    • Contact Us
    • Get Pre-Approved
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    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
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      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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      • FHA Manual Underwriting
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    • VA Home LoansExpand
      • VA Manual Underwriting
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      • VA Loans For Bad Credit
      • VA Loans For Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
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    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
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      • 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
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Call or Text: (800) 900-8569

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VA Loan Limits
VA Loans

VA Loan Limits for 2025

ByAlex Carlucci Posted onAugust 23, 2025August 25, 2025

In this blog, we will cover and discuss VA loan limits on how much home you can buy with a…

Continue Reading VA Loan Limits for 2025Continue

Wisconsin VA Mortgage Lenders
Manual Underwriting | Mortgage Lender Overlays | VA Loans

Wisconsin VA Mortgage Lenders With No Overlays

ByGustan Cho Posted onAugust 22, 2025August 25, 2025

In this blog, we will cover and discuss qualifying for VA loans by Wisconsin VA mortgage lenders with no lender…

Continue Reading Wisconsin VA Mortgage Lenders With No OverlaysContinue

Mortgage Timeline on Manual Underwriting
Mortgage Processing And Underwriting | Manual Underwriting | Verification Of Rent | Videos

Beat Stress: Mortgage Timeline on Manual Underwriting

ByDale Elenteny Posted onAugust 22, 2025August 25, 2025

Mortgage Timeline on Manual Underwriting: What Borrowers Need to Know in 2025 When you apply for a home loan, you…

Continue Reading Beat Stress: Mortgage Timeline on Manual UnderwritingContinue

Impact of The Coronavirus Outbreak on Non-QM Lenders
Headline News Archives | Videos

The Impact of The Coronavirus Outbreak on Non-QM Lenders

ByAlex Carlucci Posted onAugust 22, 2025August 25, 2025

The Impact of the Coronavirus Outbreak on Non-QM Lenders The Coronavirus outbreak hit non-QM lenders hard and fast. In early…

Continue Reading The Impact of The Coronavirus Outbreak on Non-QM LendersContinue

Buying a House in Savannah Georgia
First Time Home Buyers | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Your Dream Starts: Buying a House in Savannah Georgia

ByMargarett Jurilla Posted onAugust 22, 2025August 25, 2025

Buying a House in Savannah, Georgia: Your 2025 Guide to Homeownership If you’ve been considering buying a house in Savannah…

Continue Reading Your Dream Starts: Buying a House in Savannah GeorgiaContinue

Second Home Versus Investment Home Financing
Bad Credit Mortgages

Second Home versus Investment Home Financing

ByGustan Cho Posted onAugust 22, 2025August 25, 2025

In this blog, we will discuss and cover second home versus investment home financing. For homeowners who currently own a…

Continue Reading Second Home versus Investment Home FinancingContinue

Mortgage with Low Credit Scores in Vermont
Bad Credit Mortgages

No Stress Mortgage With Low Credit Scores in Vermont

ByGustan Cho Posted onAugust 22, 2025August 25, 2025

Mortgage With Low Credit Scores in Vermont: Your 2025 Guide Buying a home is a big dream for many Vermonters….

Continue Reading No Stress Mortgage With Low Credit Scores in VermontContinue

Tax Settlement
Income And Employment | Tax Lien

Tax Settlement For Mortgage Borrowers With Tax Liens

ByAlex Carlucci Posted onAugust 22, 2025August 25, 2025

This blog will discuss tax settlement for borrowers with tax liens. With the advent of TurboTax, almost everyone can become…

Continue Reading Tax Settlement For Mortgage Borrowers With Tax LiensContinue

How To Qualify for a Mortgage With Disability Income
Income And Employment | Videos

How To Qualify for a Mortgage With Disability Income

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

Mortgage With Disability Income: How to Qualify in 2025 Buying a home when most or all of your income comes…

Continue Reading How To Qualify for a Mortgage With Disability IncomeContinue

Owner-Occupied To Investment Home & Buying New Home
Bad Credit Mortgages

Owner-Occupied To Investment Home Mortgage Guidelines

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss turning an owner-occupied to investment home. The exiting home will turn into…

Continue Reading Owner-Occupied To Investment Home Mortgage GuidelinesContinue

Choosing The Right Neighborhood
Home Purchase

Choosing The Right Neighborhood When Buying a Home

ByMike Gracz Posted onAugust 21, 2025August 22, 2025

In this blog, we will discuss and cover choosing the right neighborhood when buying a home. Choosing The Right Neighborhood:…

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Buying a Home in Chicago
Home Purchase | First Time Home Buyers | Real Estate Topic | Videos

Buying a Home in Chicago: Proven Tips for First-Time Buyers

ByMargarett Jurilla Posted onAugust 21, 2025August 22, 2025

In this article, I provide a step-by-step guide for first-time buyers and answer common questions concerning a home purchase in the Chicago area.

Continue Reading Buying a Home in Chicago: Proven Tips for First-Time BuyersContinue

Buying Condominium Versus Single-Family Homes Mortgage Guidelines
Videos

Buying Condominium versus Single-Family Homes

ByMike Gracz Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss buying condominium versus single-family homes. Are you looking to buy a condo?…

Continue Reading Buying Condominium versus Single-Family HomesContinue

Online Mortgage Shopping
Home Mortgages

Online Mortgage Shopping Changed Mortgage Lending

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss how online mortgage shopping changed mortgage lending. The greatest benefits of online…

Continue Reading Online Mortgage Shopping Changed Mortgage LendingContinue

How Credit Scoring Works
Videos

How Credit Scoring Works in the Mortgage Process

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss how credit scoring works in the mortgage process. How credit scoring works…

Continue Reading How Credit Scoring Works in the Mortgage ProcessContinue

Buying Home Near Schools
Home Purchase

Buying Home Near Schools For First-Time Homebuyers

ByAlex Carlucci Posted onAugust 20, 2025August 21, 2025

In this blog, we will discuss and cover buying home near schools for first-time homebuyers. There are pros and cons…

Continue Reading Buying Home Near Schools For First-Time HomebuyersContinue

Conventional Versus Government-Backed Mortgages
Videos

Conventional Versus Government-Backed Mortgages

ByGustan Cho Posted onAugust 20, 2025August 21, 2025

Conventional Versus Government-Backed Mortgages: Which Loan Fits You Best? When you’re buying a home, one of the first big decisions…

Continue Reading Conventional Versus Government-Backed MortgagesContinue

Refinancing Your California Mortgage Loan
Home Mortgages | FHA and VA Streamline Refinance | FHA Loans | Videos

Refinancing Your California Mortgage Loan

ByLaurie Cho Posted onAugust 20, 2025August 21, 2025

Refinancing Your California Mortgage Loan in 2025: A Complete Guide If you’re a California homeowner, you’ve probably heard friends or…

Continue Reading Refinancing Your California Mortgage LoanContinue

Conditional Mortgage Approval Versus Pre-Approval
Home Mortgages | Videos

Conditional Mortgage Approval Versus Pre-Approval

ByAlex Carlucci Posted onAugust 20, 2025August 21, 2025

Conditional Mortgage Approval Versus Pre-Approval: What Borrowers Need to Know in 2025 Buying a home is super exciting, but the…

Continue Reading Conditional Mortgage Approval Versus Pre-ApprovalContinue

What are FHA Loan Limits For One-to-Four Unit Properties
FHA Loans

What Are The FHA Loan Limits For One-to-Four Unit Properties in Illinois

ByGustan Cho Posted onAugust 19, 2025August 20, 2025

This guide covers what are the FHA loan limits for one-to-four unit properties in Illinois. FHA loan limits for one-to-four…

Continue Reading What Are The FHA Loan Limits For One-to-Four Unit Properties in IllinoisContinue

Property Taxes Can Determine Buying Power
Property Taxes | High Debt To Income Ratio | Real Estate Topic | Videos

How Property Taxes Can Determine Buying Power on Homes

ByAlex Carlucci Posted onAugust 19, 2025August 20, 2025

How Property Taxes Can Determine Buying Power in 2025 When people are looking to buy a home, they usually pay…

Continue Reading How Property Taxes Can Determine Buying Power on HomesContinue

Negative Income With Co-Borrowers
Income And Employment

Negative Income With Co-Borrowers Mortgage Guidelines

ByGustan Cho Posted onAugust 19, 2025August 20, 2025

This guide covers negative income with co-borrowers mortgage guidelines. HUD, the parent of FHA, allows non-occupant co-borrowers to be added…

Continue Reading Negative Income With Co-Borrowers Mortgage GuidelinesContinue

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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

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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
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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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