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    • Loan LimitsExpand
      • FHA Loan Limits
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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      • Bank Statement Loans
      • DSCR Loans
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Mortgage & Real Estate News

Home / Mortgage & Real Estate News - Page 37
VA Loan With 500 Credit Scores
VA Loans | Bad Credit Mortgages | Manual Underwriting | Mortgage Lender Overlays | Videos

Can I Qualify For a VA Loan With 500 Credit Scores

ByGustan Cho Posted onFebruary 12, 2024August 5, 2024

Can an individual with a credit score of 500 be eligible for a VA loan? Absolutely. The Veterans Administration (VA)…

Continue Reading Can I Qualify For a VA Loan With 500 Credit ScoresContinue

VA Loans With No Credit Scores
VA Loans | Manual Underwriting | Videos

VA Loans With No Credit Scores Mortgage Guidelines

ByMargarett Jurilla Posted onFebruary 12, 2024August 5, 2024

This blog post will discuss VA loans with no credit scores in detail and examine the DTI (Debt-to-Income) requirements. VA…

Continue Reading VA Loans With No Credit Scores Mortgage GuidelinesContinue

Using Realtor Commission
Home Purchase | Real Estate Topic | Videos

Using Realtor Commission For Home Purchase Down Payment

ByAnngelli Abenes Posted onFebruary 12, 2024August 5, 2024

This guide covers using realtor commission for home purchase down payment. This article delves into using realtor commission for a…

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

Escrow Account Mortgage Guidelines on Home Mortgage Loans

ByRavinder Sharma Posted onFebruary 10, 2024August 5, 2024

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

3-2-1 Buydown Mortgage
Home Mortgages | Home Purchase | Mortgage Rates | Videos

What Is a 3-2-1 Buydown Mortgage?

ByGustan Cho Posted onFebruary 10, 2024August 5, 2024

In this blog, we will cover what a 3-2-1 buydown mortgage is. We will also discuss the differences between a…

Continue Reading What Is a 3-2-1 Buydown Mortgage?Continue

NON-QM Loan Guidelines
NON-QM Loans | Mortgage After Bankruptcy and Foreclosure | Videos

NON-QM Loan Guidelines on Waiting Period After Foreclosure

ByAlex Carlucci Posted onFebruary 9, 2024February 12, 2024

This guide covers NON-QM Loan Guidelines on waiting period after housing event . Everyone experiences hardship during some time in…

Continue Reading NON-QM Loan Guidelines on Waiting Period After ForeclosureContinue

Best Mississippi FHA Lenders For Bad Credit With No Overlays
Bad Credit Mortgages

Best Mississippi FHA Lenders For Bad Credit With No Overlays

ByAlex Carlucci Posted onFebruary 9, 2024August 5, 2024

Mississippi has one of the hottest housing markets in the nation. The housing market in the state has been booming for many years.

Continue Reading Best Mississippi FHA Lenders For Bad Credit With No OverlaysContinue

Buying House Near Airport
Home Purchase | Home Mortgages | Real Estate Topic | Selling Your Home | Videos

Benefits and Negatives of Buying House Near Airport

ByMargarett Jurilla Posted onFebruary 8, 2024August 5, 2024

  In this blog, we will cover and discuss buying house near airport. Homebuyers need to consider the benefits and…

Continue Reading Benefits and Negatives of Buying House Near AirportContinue

Non-Qualifying Mortgages
NON-QM Loans

Best Lenders For Non-Qualifying Mortgages

ByGustan Cho Posted onFebruary 8, 2024April 3, 2025

Non-qualifying mortgages, commonly known as Non-QM loans, cater to borrowers seeking alternative home loan programs that diverge from the parameters…

Continue Reading Best Lenders For Non-Qualifying MortgagesContinue

FHA Mortgage Guidelines
FHA Loans | Student Loans | Videos

FHA Mortgage Guidelines: Guide To FHA Loan Approval

ByGustan Cho Posted onFebruary 8, 2024April 7, 2025

FHA mortgage loans stand out as the leading choice among borrowers in the United States. The Federal Housing Administration (FHA)…

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Mortgage With New Job
Gaps In Employment | Income And Employment | Videos

Mortgage With New Job Lending Requirements and Guidelines

ByGustan Cho Posted onFebruary 8, 2024August 5, 2024

This article delves into the lending prerequisites and regulations concerning mortgage with new job. It addresses the misconception that one…

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Employment Gaps
Income And Employment | Videos

Employment Gaps Lending Guidelines For Mortgage Approval

ByGustan Cho Posted onFebruary 7, 2024January 24, 2025

This blog addresses the eligibility criteria for obtaining a mortgage and securing approval despite having experienced employment gaps within the…

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Underwriters Conditions
Mortgage Processing And Underwriting | Clear To Close | Videos

Clearing Underwriters Conditions To Submit For Clear To Close

ByLaurie Cho Posted onFebruary 6, 2024August 5, 2024

In this guide, we address underwriters conditions to pave the way for a clear-to-close submission. Whether individuals seek approval for…

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Non-Traditional Credit in Mortgage
Mortgage Processing And Underwriting | Videos

Non-Traditional Credit In Mortgage Qualification Process

ByGustan Cho Posted onFebruary 6, 2024April 24, 2025

This blog delves into the significance of non-traditional credit in mortgage qualification process, particularly focusing on scenarios where borrowers lack…

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Mortgage For College Graduates
NON-QM Loans | Student Loans

Mortgage For College Graduates Lending Guidelines

ByGustan Cho Posted onFebruary 6, 2024August 5, 2024

This article delves into Mortgage For College Graduates Lending Guidelines, shedding light on established norms and recent changes that may…

Continue Reading Mortgage For College Graduates Lending GuidelinesContinue

FHA Appraisal Transfer
Appraisal | FHA Loans | video

FHA Appraisal Transfer To A New Mortgage Lender

ByAlex Carlucci Posted onFebruary 6, 2024August 5, 2024

In this blog, we will discuss and cover the FHA appraisal transfer from your old lender to a new mortgage…

Continue Reading FHA Appraisal Transfer To A New Mortgage LenderContinue

FHA Loans With No Credit Scores
Home Mortgages | Videos

How To Get Approved For FHA Loans With No Credit Scores

ByMike Gracz Posted onFebruary 6, 2024April 18, 2025

Gustan Cho Associates are experts when analyzing consumer credit reports. Since we do not have lender overlays, we see all…

Continue Reading How To Get Approved For FHA Loans With No Credit ScoresContinue

FHA W-2 Income Only Mortgage With No Income Tax Returns
FHA Loans | Home Mortgages | Income And Employment | Videos

FHA W-2 Income Only Mortgage With No Income Tax Returns

ByGustan Cho Posted onFebruary 5, 2024August 5, 2024

The FHA W-2 Income Only Mortgage Lending Guidelines provide a pathway for borrowers to qualify for an FHA loan based…

Continue Reading FHA W-2 Income Only Mortgage With No Income Tax ReturnsContinue

Two-Year Work History Mortgage Guidelines
Income And Employment

Two-Year Work History Mortgage Guidelines | Employment Gaps

ByAlex Carlucci Posted onFebruary 5, 2024February 27, 2025

This blog post delves into the crucial aspects of the Two-Year Work History Mortgage Guidelines. It explores the significance of…

Continue Reading Two-Year Work History Mortgage Guidelines | Employment GapsContinue

Credit Tradelines Requirements
Re-Establishing Credit | Videos

Credit Tradelines Requirements To Qualify For Mortgage Loans

ByAlex Carlucci Posted onFebruary 5, 2024August 5, 2024

In this article, we will delve into the credit tradelines requirements essential for mortgage loan application eligibility. The credit tradelines…

Continue Reading Credit Tradelines Requirements To Qualify For Mortgage LoansContinue

Low Appraisal on Home Purchase
Appraisal | Home Purchase | Real Estate Topic | Videos

Low Appraisal on Home Purchase and Solutions For Borrowers

ByAlex Carlucci Posted onFebruary 5, 2024August 5, 2024

This guide covers low appraisal on home purchase and solutions for mortgage borrowers. We will discuss solutions to low appraisal…

Continue Reading Low Appraisal on Home Purchase and Solutions For BorrowersContinue

Avoiding Home Loan Denial During The Mortgage Process
Mortgage Processing And Underwriting | Mortgage Lender Overlays | Videos

Avoiding Home Loan Denial During The Mortgage Process

ByGustan Cho Posted onFebruary 5, 2024May 15, 2024

This guide covers avoiding home loan denial during the mortgage process. We will go deeply in giving our viewers tips…

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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

  • Hard Money Lenders
    Simple Truth: What Are Hard Money Lenders and How They HelpMay 5, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansMay 5, 2025
  • Qualifying for Mortgage with Irregular Income
    Qualifying For Mortgage With Irregular IncomeApril 30, 2025
  • Home Loan with Tax Lien
    Home Loan With Tax Lien And Judgment Mortgage GuidelinesApril 29, 2025

DTI Calculators

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Equal Housing Opportunity Lender Gustan Cho Associates empowered by NEXA Mortgage LLC. NMLS# 1660690,
Corporate Address: 3100 Ray Road Suite 201 Office # 209 | Chandler AZ 85226 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
      • 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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