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VA Loans For First Time Veteran Home Buyers With No Overlays
VA Loans

VA Loans For First Time Veteran Home Buyers With No Overlays

ByGustan Cho Posted onAugust 19, 2025August 21, 2025

In this blog, we will discuss and cover VA loans for first-time home buyers with no lender overlays. The United…

Continue Reading VA Loans For First Time Veteran Home Buyers With No OverlaysContinue

Best Places to Buy Waterfront Property
Home Mortgages | Home Purchase | NON-QM Loans | Real Estate Topic | Second Homes | Videos

The Best Places To Buy Waterfront Property For Boating

ByMargarett Jurilla Posted onAugust 19, 2025August 20, 2025

Are you dreaming of waking up to sunrise views over the water, spending weekends boating, or owning a vacation home…

Continue Reading The Best Places To Buy Waterfront Property For BoatingContinue

Virginia VA Loan Requirements
VA Loans

Virginia VA Loan Requirements

ByMike Gracz Posted onAugust 19, 2025August 21, 2025

Virginia VA loan requirements has the most lenient mortgage guidelines versus any other loan program in the nation. VA loans…

Continue Reading Virginia VA Loan RequirementsContinue

Charge-Off Accounts With Balances
Re-Establishing Credit

How Do Underwriters View Charge Off Accounts With Balances

ByGustan Cho Posted onAugust 18, 2025August 19, 2025

Can You Get a Mortgage With Charge-Off Accounts With Balances? If you’re trying to buy a home but your credit…

Continue Reading How Do Underwriters View Charge Off Accounts With BalancesContinue

How to Negotiate a Home Purchase
Home Purchase | Real Estate Topic | Videos

How To Negotiate a Home Purchase Prior To Signing Contract

ByGustan Cho Posted onAugust 18, 2025August 27, 2025

Why Knowing How to Negotiate a Home Purchase Matters in 2025 Buying a home is an important financial choice. In…

Continue Reading How To Negotiate a Home Purchase Prior To Signing ContractContinue

Difference Between Mortgage Lender versus Servicer
Mortgage Processing And Underwriting

Difference Between Mortgage Lender versus Servicer

ByGustan Cho Posted onAugust 18, 2025August 20, 2025

This guide covers the difference between mortgage lender versus servicer. What are the major difference between mortgage lender versus servicer?…

Continue Reading Difference Between Mortgage Lender versus ServicerContinue

Cash-Out Refinance Mortgage Rates
Mortgage Refinance | Videos

Cash-Out Refinance Mortgage Rates vs Rate and Term Rates

ByAlex Carlucci Posted onAugust 18, 2025August 20, 2025

Cash-out refinance mortgage rates are higher than rate and term refinance rates. Cash-out mortgage rates are substantially higher for homeowners…

Continue Reading Cash-Out Refinance Mortgage Rates vs Rate and Term RatesContinue

Fannie Mae Guidelines Mortgage After Short Sale
Mortgage After Bankruptcy and Foreclosure

Fannie Mae Guidelines Mortgage After Short Sale

ByGustan Cho Posted onAugust 18, 2025August 19, 2025

This guide covers Fannie Mae guidelines mortgage after short sale and deed-in-lieu of foreclosure. Fannie Mae guidelines mortgage after short…

Continue Reading Fannie Mae Guidelines Mortgage After Short SaleContinue

VA Lender Overlays
VA Loans

VA Lender Overlays – What Veterans Need to Know in 2025

ByGustan Cho Posted onAugust 18, 2025August 19, 2025

This guide covers VA lender overlays- What Veterans need to know in 2025. Veteran homebuyers who are looking for lenders…

Continue Reading VA Lender Overlays – What Veterans Need to Know in 2025Continue

Mortgage Compliance
Bad Credit Mortgages

Recent Changes in Mortgage Compliance and Regulations

ByDale Elenteny Posted onAugust 18, 2025August 19, 2025

This guide covers recent changes in mortgage compliance and regulations. So, mortgage interest rates are increasing and have been the…

Continue Reading Recent Changes in Mortgage Compliance and RegulationsContinue

When Rent When You Can Own a Home
FHA Loans | First Time Home Buyers | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Why Rent When You Can Own a Home With DPA

ByGustan Cho Posted onAugust 18, 2025August 27, 2025

Introduction: Why Rent When You Can Own a Home? Renters across the U.S. ask the same question in 2025: Why…

Continue Reading Why Rent When You Can Own a Home With DPAContinue

Conventional Loan 101 For New Loan Officers
Bad Credit Mortgages

Conventional Loan 101 For New Loan Officers and Borrowers

ByGustan Cho Posted onAugust 18, 2025August 27, 2025

This guide covers conventional loan 101 for new loan officers and borrowers. I like to congratulate those who recently took…

Continue Reading Conventional Loan 101 For New Loan Officers and BorrowersContinue

Why Opening New Credit Cards Raise Scores
Re-Establishing Credit

Why Opening New Credit Cards Raise Scores for Mortgage Approval

ByGustan Cho Posted onAugust 17, 2025August 18, 2025

This guide covers why opening new credit cards raise scores to qualify and get approved for mortgage loan approval. The…

Continue Reading Why Opening New Credit Cards Raise Scores for Mortgage ApprovalContinue

VA Employment History Guidelines
Income And Employment

VA Employment History Guidelines on VA Loans

ByGustan Cho Posted onAugust 17, 2025August 18, 2025

This guide covers VA employment history guidelines on VA loans. VA loans is the best loan program in the U.S….

Continue Reading VA Employment History Guidelines on VA LoansContinue

Non-QM Home Loan Guidelines
NON-QM Loans | Videos

Non-QM Home Loan Guidelines For Borrowers With Bad Credit

ByAnngelli Abenes Posted onAugust 15, 2025August 27, 2025

NON-QM Home Loan Guidelines: 2025 Guide to Buying After Denial Buying a home isn’t always easy when your credit, income,…

Continue Reading Non-QM Home Loan Guidelines For Borrowers With Bad CreditContinue

How To Prepare For Mortgage
Home Mortgages

How To Prepare For Mortgage For First-Time Homebuyers

ByAlex Carlucci Posted onAugust 15, 2025August 18, 2025

This guide covers how to prepare for mortgage for first-time homebuyers. The best way on how to prepare for mortgage…

Continue Reading How To Prepare For Mortgage For First-Time HomebuyersContinue

Reserve Requirements on a Home Loan
Home Mortgages

Reserve Requirements on a Home Loan By Mortgage Lenders

ByGustan Cho Posted onAugust 15, 2025August 18, 2025

Reserve Requirements on a Home Loan: 2025 Guide for Homebuyers If you’re planning to buy a home or refinance, you…

Continue Reading Reserve Requirements on a Home Loan By Mortgage LendersContinue

Jumbo Loans After Foreclosure
Jumbo Loans

Jumbo Loans After Foreclosure: Proven Fast-Track Plan

ByGustan Cho Posted onAugust 15, 2025August 18, 2025

Jumbo Loans After Foreclosure (2025 Guide): Buy Big Again—Sooner, Smarter, With a Plan If you lost a home in the…

Continue Reading Jumbo Loans After Foreclosure: Proven Fast-Track PlanContinue

Understanding Insurance
Mortgage Insurance

Everything You Need to Know About Understanding Insurance

ByAlex Carlucci Posted onAugust 15, 2025August 18, 2025

This guide covers understanding insurance protection for consumers and homeowners. Good morning open enrollment blog for day 1 of the…

Continue Reading Everything You Need to Know About Understanding InsuranceContinue

Remote MLO Career Opportunities
Career Opportunities/Loan Officer Training | Videos

Remote MLO Career Opportunities You Can Start Today

ByLaurie Cho Posted onAugust 14, 2025August 15, 2025

Remote MLO Career Opportunities: Work From Anywhere With Gustan Cho Associates If you’re an experienced mortgage loan officer looking for…

Continue Reading Remote MLO Career Opportunities You Can Start TodayContinue

Limited Review versus Full Review Condo Purchase
Condominium Loans

Limited Review versus Full Review Condo Purchase Guidelines

ByAlex Carlucci Posted onAugust 14, 2025August 15, 2025

This guide covers limited review versus full review condo purchase. Due to the real estate and mortgage meltdown of 2008…

Continue Reading Limited Review versus Full Review Condo Purchase GuidelinesContinue

Buying an Older Home
Home Purchase

Things to Keep in Mind When Buying an Older Home

ByGustan Cho Posted onAugust 14, 2025August 15, 2025

This blog covers things to keep in mind when looking at buying an older home. There are many reasons why…

Continue Reading Things to Keep in Mind When Buying an Older HomeContinue

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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
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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