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Gustan Cho Associates
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    • Contact Us
    • Get Pre-Approved
    • Order Credit
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    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
      • Conforming Loan Limits
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      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
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      • Investment Property Loan
    • RefinanceExpand
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      • Chapter 13 Bankruptcy Cash-Out-Buyout
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      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines
      • FHA Loans For Bad Credit
      • FHA Collections
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      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
      • FHA Loan With Judgment
    • VA Home LoansExpand
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      • VA Loans For Low Credit Scores
      • VA Loans With Charged-Off Accounts
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    • USDA Loans
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    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
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    • Condotel Financing
    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
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    • Jumbo Mortgage
    • FHA 203K Loans
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  • CareersExpand
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Call or Text: (800) 900-8569

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Gustancho Associates

Mortgage & Real Estate News

Home / Mortgage & Real Estate News - Page 2
Non-QM vs Back to Work Loans
Headline News Archives

NON-QM vs Back to Work Loans

ByGustan Cho Posted onSeptember 26, 2025September 29, 2025

This guide covers non-QM vs back-to-work loans. Many non-QM lenders are willing to extend credit much sooner than it takes…

Continue Reading NON-QM vs Back to Work LoansContinue

Reserve Requirements on a Home Loan
Home Mortgages

Reserve Requirements on a Home Loan By Mortgage Lenders

ByGustan Cho Posted onSeptember 26, 2025September 29, 2025

Quick Take: 2025 Mortgage Reserve Requirements FHA: 0–1 month (manual = 1, multi-unit = 3–6) VA: 0 months (manual =…

Continue Reading Reserve Requirements on a Home Loan By Mortgage LendersContinue

FHA Loan Guidelines Alabama For Homebuyers
FHA Loans

FHA Loan Guidelines Alabama

ByGustan Cho Posted onSeptember 24, 2025September 25, 2025

This guide covers the FHA loan guidelines Alabama for homebuyers and homeowners. Due to the lenient FHA loan guidelines Alabama,…

Continue Reading FHA Loan Guidelines AlabamaContinue

Closing Home Loan In 21 Days
Clear To Close

Closing a Home Loan in 21 Days: Guide to Fast Closings

ByDale Elenteny Posted onSeptember 24, 2025September 29, 2025

Buying a home or refinancing should feel exciting—not stressful. Yet for many borrowers, the biggest worry is how long it…

Continue Reading Closing a Home Loan in 21 Days: Guide to Fast ClosingsContinue

Canceling a Real Estate Purchase Contract
Real Estate Topic | Home Purchase | Videos

Canceling a Real Estate Purchase Contract Transaction

ByGustan Cho Posted onSeptember 24, 2025September 29, 2025

Why Buyers and Sellers Need to Understand Canceling a Real Estate Purchase Contract Buying or selling a home is exciting,…

Continue Reading Canceling a Real Estate Purchase Contract TransactionContinue

Florida FHA Loan
FHA Loans | Down Payment Assistance | Videos

Florida FHA Loan Requirements

ByAlex Carlucci Posted onSeptember 24, 2025September 25, 2025

In this blog, we will cover and explain the Florida FHA loan requirements in detail and advise homebuyers on how…

Continue Reading Florida FHA Loan RequirementsContinue

How Your Credit Impacts Your Homebuying Process
Home Purchase | Credit Scores | Mortgage Rates | Videos

How Your Credit Impacts Your Homebuying Process

ByDale Elenteny Posted onSeptember 23, 2025September 24, 2025

This guide covers how your credit impacts your homebuying process. If you are in the market to buy or refinance…

Continue Reading How Your Credit Impacts Your Homebuying ProcessContinue

One Day Mortgage Loan Approval
Mortgage Processing And Underwriting

One Day Mortgage Loan Approval Process For Homebuyers

ByGustan Cho Posted onSeptember 23, 2025September 25, 2025

One Day Mortgage Loan Approval: Fast, No-Stress Approval with Gustan Cho Associates Buying a home is stressful—especially when time is…

Continue Reading One Day Mortgage Loan Approval Process For HomebuyersContinue

Dual Licensed Realtor MLO
Real Estate Topic

Dual Licensed Realtor MLO: The Smart Way to Buy a Home

ByAlex Carlucci Posted onSeptember 23, 2025September 25, 2025

Realtor Who Is Also a Loan Officer: A Guide to Dual Licensed Realtor MLOs Buying a home is one of…

Continue Reading Dual Licensed Realtor MLO: The Smart Way to Buy a HomeContinue

Mortgage Loan After Foreclosure
Mortgage After Bankruptcy and Foreclosure | Videos

Mortgage Loan after Foreclosure and Short Sale Guidelines

ByAlex Carlucci Posted onSeptember 22, 2025September 23, 2025

Getting a Mortgage Loan After Foreclosure Going through a foreclosure is tough. Many borrowers fear they’ll never own a home…

Continue Reading Mortgage Loan after Foreclosure and Short Sale GuidelinesContinue

Florida Mortgage Rates on Conventional Loans
Conventional Loans | FHA Loans | Mortgage Rates | Videos

Florida Mortgage Rates on Conventional Loans vs FHA Loans

ByGustan Cho Posted onSeptember 19, 2025September 24, 2025

This guide covers Florida mortgage rates on conventional loans vs FHA loans. Florida mortgage rates on conventional loans versus FHA…

Continue Reading Florida Mortgage Rates on Conventional Loans vs FHA LoansContinue

Florida Homeowners Insurance
Home Mortgages | Home Purchase | Homeowners Insurance

Florida Homeowners Insurance: Save Big and Stay Protected

ByGustan Cho Posted onSeptember 19, 2025September 23, 2025

Why Florida Homeowners Insurance Matters? Having a home in Florida can be tricky in its own way. Sunshine and beaches…

Continue Reading Florida Homeowners Insurance: Save Big and Stay ProtectedContinue

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

Easy Primary Home Mortgage Guide Every Buyer Must Read

ByGustan Cho Posted onSeptember 19, 2025September 23, 2025

Primary Home Mortgage Guide: Rules, Loan Options, and How to Qualify Buying your first home can feel confusing. One of…

Continue Reading Easy Primary Home Mortgage Guide Every Buyer Must ReadContinue

FICO Score Needed to Buy a House
Home Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

FICO Score Needed to Buy a House: Fast Approval Tips Inside

ByGustan Cho Posted onSeptember 18, 2025September 23, 2025

Introduction: Your Credit Score Is the Key to Homeownership Buying a home is one of the most significant financial steps…

Continue Reading FICO Score Needed to Buy a House: Fast Approval Tips InsideContinue

Non-QM Guidelines
NON-QM Loans | Headline News Archives | Videos

How Non-QM Guidelines Open Doors For Homebuyers

ByGustan Cho Posted onSeptember 17, 2025September 23, 2025

This guide covers the updated non-QM guidelines post-coronavirus outbreak and political scare. Non-QM guidelines are not uniform agency lending guidelines…

Continue Reading How Non-QM Guidelines Open Doors For HomebuyersContinue

Bad Credit Mortgage Loans With Collections
Bad Credit Mortgages

Bad Credit Mortgage Loans With Collections With No Stress

ByGustan Cho Posted onSeptember 15, 2025October 2, 2025

Yes, You Can Buy a Home With Collections and Bad Credit. Many hardworking Americans think buying a home is impossible…

Continue Reading Bad Credit Mortgage Loans With Collections With No StressContinue

Washington DC Lenders
High-Balance Mortgage Loans | Home Mortgages | Investment Homes | NON-QM Loans | Videos

Washington DC Lenders For Traditional and Non-QM Mortgages

ByMike Gracz Posted onSeptember 12, 2025September 15, 2025

In this blog, we will cover and discuss the top-rated five-star Washington DC lenders for traditional and non-QM mortgages who…

Continue Reading Washington DC Lenders For Traditional and Non-QM MortgagesContinue

How to Find the Best Realtor
Videos | Home Purchase | Home Sellers | Real Estate Topic

How To Find The Best Realtor For First-Time Homebuyers

ByMargarett Jurilla Posted onSeptember 12, 2025September 17, 2025

First-time homebuyers need to hire an experienced realtor who is not just accessible 24/7 but who knows the area where the subject property is located.

Continue Reading How To Find The Best Realtor For First-Time HomebuyersContinue

Mortgage Escrow Account
Videos | Home Mortgages | Home Purchase | Mortgage Refinance

What is a Mortgage Escrow Account for Purchase and Refinance

ByGustan Cho Posted onSeptember 11, 2025September 17, 2025

Ever wonder why your monthly mortgage payment feels higher than expected? The answer is often hidden in mortgage escrow accounts….

Continue Reading What is a Mortgage Escrow Account for Purchase and RefinanceContinue

Colorado VA Lenders
Videos | Bad Credit Mortgages | Mortgage Lender Overlays | VA Loans

Colorado VA Lenders For Bad Credit With No Lender Overlays

ByMike Gracz Posted onSeptember 10, 2025September 11, 2025

Veterans searching for Colorado VA lenders with no overlays for bad credit often run into conflicting guidelines. At Gustan Cho…

Continue Reading Colorado VA Lenders For Bad Credit With No Lender OverlaysContinue

Mortgage Guidelines After Unemployment
Income And Employment

Mortgage Guidelines After Unemployment You Can Trust

ByGustan Cho Posted onSeptember 10, 2025September 11, 2025

Mortgage Guidelines After Unemployment in 2025: How to Get Approved Losing your job can feel like pausing your dream of…

Continue Reading Mortgage Guidelines After Unemployment You Can TrustContinue

How PPI Affects Mortgage Rates
Headline News Archives | Videos

How PPI Affects Mortgage Rates: Borrower’s Complete Guide

ByAlex Carlucci Posted onSeptember 9, 2025September 11, 2025

Why You Should Care About the Producer Price Index (PPI) Mortgage rates don’t move randomly. They rise and fall based…

Continue Reading How PPI Affects Mortgage Rates: Borrower’s Complete GuideContinue

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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

  • HUD guidelines on student loans
    HUD Guidelines on Student Loans vs Other Mortgage ProgramsOctober 3, 2025
  • FHA Streamline Refinance California
    FHA Streamline Refinance California With Bad CreditOctober 2, 2025
  • Building Credit With Timely Housing Payments
    Building Credit With Timely Housing PaymentsOctober 2, 2025
  • Manual Underwriting DTI Guidelines
    Manual Underwriting DTI Guidelines for FHA and VA LoansOctober 2, 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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Resources

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  • How To Increase FICO Scores For a Mortgage
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  • 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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