Skip to content

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

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
      • 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
  • BlogsExpand
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

Mortgage & Real Estate News

Home / Mortgage & Real Estate News - Page 24
Qualifying For Mortgage With Collection Accounts
Collection Accounts | FHA Loans | Videos

Qualifying For Mortgage With Collection Accounts Guidelines

ByAnngelli Abenes Posted onMay 3, 2024June 16, 2025

In this blog, we will cover and discuss qualifying for mortgage with collection accounts guidelines. Homebuyers can qualify for a…

Continue Reading Qualifying For Mortgage With Collection Accounts GuidelinesContinue

Home Loan Without Spouse
Home Mortgages

Home Loan Without Spouse Mortgage Guidelines

ByAlex Carlucci Posted onMay 3, 2024June 16, 2025

This guide covers qualifying for a home loan without spouse mortgage guidelines. There are many reasons why home buyers want…

Continue Reading Home Loan Without Spouse Mortgage GuidelinesContinue

Manual Underwriting With Extenuating Circumstances
Manual Underwriting | FHA Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Manual Underwriting With Extenuating Circumstances

ByAlex Carlucci Posted onMay 3, 2024August 23, 2024

In this article, we will be discussing and covering manual underwriting with extenuating circumstances and going over some common case…

Continue Reading Manual Underwriting With Extenuating CircumstancesContinue

Unexpected Home Buyers Expenses
Real Estate Topic | Home Improvement/Renovations | Videos

Unexpected Home Buyers Expenses Payment Shock

ByAlex Carlucci Posted onMay 3, 2024June 16, 2025

This guide covers unexpected home buyers expenses payment shock for borrowers. The American Dream is still owning your own home….

Continue Reading Unexpected Home Buyers Expenses Payment ShockContinue

Mortgage Denied By a Bank
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How To Avoid Mortgage Denied By a Bank

ByGustan Cho Posted onMay 3, 2024June 16, 2025

Choosing the right lender with no lender overlays is the key on how to avoid mortgage denial

Continue Reading How To Avoid Mortgage Denied By a BankContinue

Rapid Rescore During Mortgage Process
Credit Scores | Videos

Rapid Rescore During Mortgage Process And How It Works

ByGustan Cho Posted onMay 3, 2024June 16, 2025

In this blog post, we will discuss the concept and procedure of rapid rescore during mortgage process. Consumer credit profiles are…

Continue Reading Rapid Rescore During Mortgage Process And How It WorksContinue

Fannie Mae vs HUD Guidelines on Prior Mortgage in Bankruptcy
Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Fannie Mae vs HUD Guidelines Mortgage in Bankruptcy

ByGustan Cho Posted onMay 2, 2024June 16, 2025

If you have a mortgage included in a bankruptcy, the waiting period guidelines are more favorable on conventional versus FHA loans

Continue Reading Fannie Mae vs HUD Guidelines Mortgage in BankruptcyContinue

How Underwriters View Unsourced Funds In Mortgage Process
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How Underwriters View Unsourced Funds In Mortgage Process

ByAnngelli Abenes Posted onMay 2, 2024April 24, 2025

This guide covers how underwriters view unsourced funds while analyzing and reviewing a borrower. Unsourced funds have no paper trail,…

Continue Reading How Underwriters View Unsourced Funds In Mortgage ProcessContinue

Underwriters Issue Denials
Home Mortgages | Conditional Loan Approval | Mortgage Processing And Underwriting | Videos

Why Underwriters Issue Denials

ByGustan Cho Posted onMay 2, 2024June 16, 2025

This guide covers why underwriters issue denials on mortgage loans. The mortgage process should not be a stressful process and…

Continue Reading Why Underwriters Issue DenialsContinue

Non-Occupied Co-Borrower
High Debt To Income Ratio | Non-Occupant Co-Borrowers | video

Adding Non-Occupied Co-Borrower With High DTI

ByGustan Cho Posted onMay 2, 2024June 16, 2025

This Article Is About Non-Occupied Co-Borrower Can Be Added To Borrower With High DTI A large percentage of mortgage borrowers…

Continue Reading Adding Non-Occupied Co-Borrower With High DTIContinue

Comparison of Mortgage Rates
Mortgage Rates | Home Mortgages | Home Purchase | Refinancing | Videos

Comparison of Mortgage Rates on Purchase and Refinance

ByAlex Carlucci Posted onMay 1, 2024June 16, 2025

This guide covers comparison of mortgage rates on purchase and refinance loans. Mortgage rates have been steadily going up to…

Continue Reading Comparison of Mortgage Rates on Purchase and RefinanceContinue

Investment Property Using a Conventional Loan
Investment Homes | Mortgage Rates | Real Estate Topic | Videos

Buying an Investment Property Using a Conventional Loan

ByAlex Carlucci Posted onMay 1, 2024June 16, 2025

This guide covers buying an investment property using a conventional loan. Buying an investment property using a conventional loan with…

Continue Reading Buying an Investment Property Using a Conventional LoanContinue

Home Inspection
Home Purchase | Mortgage Processing And Underwriting | Videos

Home Inspection Before Starting The Mortgage Process

ByAnngelli Abenes Posted onApril 30, 2024June 16, 2025

This guide covers home inspection before proceeding with the mortgage process. A home inspection is an inspection of a home…

Continue Reading Home Inspection Before Starting The Mortgage ProcessContinue

VA AUS Approval
Automated Underwriting System | Manual Underwriting | Videos

VA AUS Approval With Low Credit Scores and High DTI

ByGustan Cho Posted onApril 30, 2024June 16, 2025

In this article, we will discuss VA AUS approval versus manual underwriting on VA loans. VA loans are the best…

Continue Reading VA AUS Approval With Low Credit Scores and High DTIContinue

Earnest Money On Home Purchase
Bad Credit Mortgages

Earnest Money on Home Purchase Transaction

ByGustan Cho Posted onApril 30, 2024June 16, 2025

This guide covers what is earnest money on home purchase. Earnest money is a deposit a homebuyer submits with the…

Continue Reading Earnest Money on Home Purchase TransactionContinue

HUD Waiting Period Guidelines After Chapter 13
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | Videos

HUD Waiting Period Guidelines After Chapter 13 on FHA Loans

ByGustan Cho Posted onApril 30, 2024June 16, 2025

In this blog, we will discuss and cover HUD waiting period guidelines after Chapter 13 on FHA loans. Why is…

Continue Reading HUD Waiting Period Guidelines After Chapter 13 on FHA LoansContinue

Using FHA Loans For Self-Employed Borrowers
Home Purchase | Income And Employment | Videos

Using FHA Loans For Self-Employed Borrowers to Buy a Home

ByGustan Cho Posted onApril 30, 2024June 17, 2025

In this blog, we will discuss and cover using FHA loans for self-employed borrowers on a home purchase. Using FHA…

Continue Reading Using FHA Loans For Self-Employed Borrowers to Buy a HomeContinue

Do All Lenders Have The Same Guidelines
Bad Credit Mortgages

Do All Lenders Have The Same Guidelines on Mortgage Loans

ByGustan Cho Posted onApril 30, 2024June 17, 2025

In this article, we will be covering the topic on are all mortgage lenders the same. Choosing the right mortgage…

Continue Reading Do All Lenders Have The Same Guidelines on Mortgage LoansContinue

Working With A Loan Officer
Home Mortgages | Videos

Working With A Loan Officer During The Mortgage Loan Process

ByAnngelli Abenes Posted onApril 30, 2024June 17, 2025

In this blog, we’ll explore the process of working with a loan officer during your mortgage application. Choosing a loan…

Continue Reading Working With A Loan Officer During The Mortgage Loan ProcessContinue

Identity Theft Process
Credit Disputes | Credit Scores | Identity Theft | Videos

Identity Theft Process During The Mortgage

ByGustan Cho Posted onApril 30, 2024June 17, 2025

This guide covers identity theft process during mortgage application process. Identity theft process is one of the fastest growing crimes…

Continue Reading Identity Theft Process During The MortgageContinue

VA Mortgage Loans
VA Loans | Videos

VA Mortgage Loans In Arizona Eligibility Requirements

ByAlex Carlucci Posted onApril 30, 2024June 17, 2025

We will be covering qualifying and getting approved for VA mortgage loans in Arizona. Arizona is one of the most…

Continue Reading VA Mortgage Loans In Arizona Eligibility RequirementsContinue

VA Loan With Prior Mortgage Included In Bankruptcy
VA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

VA Loan With Prior Mortgage Included in Bankruptcy

ByAlex Carlucci Posted onApril 29, 2024June 17, 2025

In this blog, we will discuss and cover qualifying for a VA loan with prior mortgage included in bankruptcy. VA…

Continue Reading VA Loan With Prior Mortgage Included in BankruptcyContinue

Page navigation

Previous PagePrevious 1 … 22 23 24 25 26 … 79 Next PageNext

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

  • FHA Loans After Unemployment
    FHA Loans After Unemployment Mortgage GuidelinesJune 30, 2025
  • Manual Underwriting With Late Payments Mortgage Guidelines
    Manual Underwriting With Late Payments Mortgage GuidelinesJune 30, 2025
  • FHA Debt-To-Income Ratio Requirements
    FHA Debt-To-Income Ratio RequirementsJune 30, 2025
  • The Role Of The Loan Officer Assistant
    The Role Of The Loan Officer Assistant In Mortgage ProcessJune 30, 2025

DTI Calculators

  • FHA DTI Calculator
  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limits

Subsidiary Sites

  • Gustan Cho Associates Mortgage Advisor
  • GCA Mortgage Group
  • GCA Forum

Connect With Us

  • Facebook
  • LinkedIn
  • YouTube
  • Instagram
  • TikTok
  • Tumblr

Resources

  • Get Pre-Approved
  • Get Automated Underwriting System Approval
  • FICO Simulator
  • 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.
Disclaimer | Licenses | Copyrights | Privacy  NMLS Consumer Access© 2025 - Gustan Cho Associates. All Rights Reserved.SiteLock
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
Search