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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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Mortgage & Real Estate News

Home / Mortgage & Real Estate News - Page 47
When Am I Committed To Mortgage Lender
Mortgage Processing And Underwriting | Videos

When Am I Committed To Mortgage Lender For a Home Loan

ByAlex Carlucci Posted onJanuary 14, 2024February 28, 2024

In this article, we will cover and discuss when am I committed to mortgage lender for a home loan. Mortgage…

Continue Reading When Am I Committed To Mortgage Lender For a Home LoanContinue

How to Get the Best Mortgage Rates
Videos

How to Get The Best Mortgage Rates

ByGustan Cho Posted onJanuary 14, 2024January 15, 2025

This guide covers how to get the best mortgage rates on a home loan. How to get the best mortgage…

Continue Reading How to Get The Best Mortgage RatesContinue

Real Estate Purchase Land Contracts
Home Purchase | Real Estate Topic | Videos

Buying Home With Real Estate Purchase Land Contracts

ByGustan Cho Posted onJanuary 13, 2024July 29, 2024

This guide covers buying home with real estate purchase land contracts or seller financing. Real estate purchase land contracts is…

Continue Reading Buying Home With Real Estate Purchase Land ContractsContinue

Buying Second Primary Home And Rent My First House
Videos

Buying Second Primary Home and Renting My First House

ByGustan Cho Posted onJanuary 12, 2024June 11, 2024

This guide covers buying a second home and renting the exiting home. Many hard-working folks plan on retiring and moving…

Continue Reading Buying Second Primary Home and Renting My First HouseContinue

What are home buyer concerns when deciding to buy their first home
Home Purchase | First Time Home Buyers | Income And Employment | Videos

What Are The Top Home Buyer Concerns Purchasing First Home

ByGustan Cho Posted onJanuary 12, 2024March 21, 2024

This guide covers home buyer concerns buying their first-home. A home purchase is most people’s single largest investment in their…

Continue Reading What Are The Top Home Buyer Concerns Purchasing First HomeContinue

Third-Party Search By Mortgage Lenders During Underwriting Process
Mortgage Processing And Underwriting | Videos

Third-Party Search By Mortgage Lenders

ByGustan Cho Posted onJanuary 12, 2024July 29, 2025

This guide covers about the third-party search by mortgage lenders during the underwriting process. Mortgage lenders will pull three credit…

Continue Reading Third-Party Search By Mortgage LendersContinue

Credit Reports
Credit Scores | Mortgage Processing And Underwriting

Why Do Lenders Need Credit Reports and Scores

ByGustan Cho Posted onJanuary 12, 2024July 29, 2025

In this blog, we will cover why lenders need credit reports and credit scores to get borrowers a mortgage loan…

Continue Reading Why Do Lenders Need Credit Reports and ScoresContinue

Chicago Mortgage Refinance- The Risks Associated with Refinancing
Mortgage Refinance | FHA and VA Streamline Refinance | Videos

Chicago Mortgage Refinance Lending Guidelines

ByAlex Carlucci Posted onJanuary 12, 2024July 29, 2024

This guide covers Chicago mortgage refinance loan process for homeowners. Many homeowners refinance mortgage loans because they want to reduce…

Continue Reading Chicago Mortgage Refinance Lending GuidelinesContinue

Low Rates With High FICO
Re-Establishing Credit | Mortgage Rates | Videos

Can I Get Low Rates With High FICO For a Mortgage

ByAlex Carlucci Posted onJanuary 12, 2024March 11, 2025

When saving money buying a house, remember one key thing, low rates with FICO credit scores. This article will cover…

Continue Reading Can I Get Low Rates With High FICO For a MortgageContinue

Bankruptcy Dismissal Versus Bankruptcy Discharge
Mortgage After Bankruptcy and Foreclosure | Manual Underwriting | Qualifying & Getting Pre-approved | Videos

Bankruptcy Dismissal Versus Discharge Mortgage Guidelines

ByGustan Cho Posted onJanuary 11, 2024June 27, 2025

In this blog, we will cover and discuss the difference when qualifying for a mortgage after bankruptcy dismissal versus bankruptcy…

Continue Reading Bankruptcy Dismissal Versus Discharge Mortgage GuidelinesContinue

How Solid Is Your Pre-Approval For Home Purchase Mortgage
Qualifying & Getting Pre-approved | Conditional Loan Approval | Videos

How Solid Is Your Pre-Approval For Home Purchase Mortgage

ByGustan Cho Posted onJanuary 11, 2024July 29, 2025

This guide covers how solid is your pre-approval for a home purchase mortgage. A mortgage pre-approval letter means that a…

Continue Reading How Solid Is Your Pre-Approval For Home Purchase MortgageContinue

Mortgage Refinance Costs Can Be Paid With Lender Credit
Mortgage Refinance | Videos

Mortgage Refinance Costs Can Be Paid With Lender Credit

ByGustan Cho Posted onJanuary 11, 2024October 8, 2024

Lenders can cover borrowers’ mortgage refinance costs with a lender, credit in lieu of a higher mortgage rate to the…

Continue Reading Mortgage Refinance Costs Can Be Paid With Lender CreditContinue

Interest Rate Buydowns
Mortgage Rates | Home Purchase | Real Estate Topic | Videos

Interest Rate Buydowns With Seller Concessions on Purchase

ByGustan Cho Posted onJanuary 11, 2024February 22, 2024

This guide covers interest rate buydowns with seller concessions on purchases. Interest Rate Buydowns are when borrowers pay DISCOUNT POINTSto…

Continue Reading Interest Rate Buydowns With Seller Concessions on PurchaseContinue

Government and Conventional Loans After Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Videos

Government and Conventional Loans After Bankruptcy

ByAlex Carlucci Posted onJanuary 11, 2024January 11, 2024

This guide covers government and conventional loans after bankruptcy and foreclosure. There are mandatory waiting period requirements on government and…

Continue Reading Government and Conventional Loans After BankruptcyContinue

Advice Selling Home Fast By Real Estate Professionals
Real Estate Topic | Home Sellers | Selling Your Home | Videos

Advice Selling Home Fast By Real Estate Professionals

ByGustan Cho Posted onJanuary 11, 2024January 12, 2024

This guide covers tips and advice selling home fast by real estate professionals. Many homebuyers have an existing home and…

Continue Reading Advice Selling Home Fast By Real Estate ProfessionalsContinue

Moving to New Home
Home Purchase | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Qualifying For a Home Mortgage Moving To New Home

ByMike Gracz Posted onJanuary 11, 2024January 12, 2024

This guide covers qualifying and getting approved for a home mortgage moving to new home. Moving to new home is…

Continue Reading Qualifying For a Home Mortgage Moving To New HomeContinue

Subprime Loans and NON-QM Mortgage Guidelines
NON-QM Loans | Bank Statement Loans | No-Ratio Mortgage Loans | Videos

Subprime Loans and NON-QM Mortgage Guidelines

ByAlex Carlucci Posted onJanuary 11, 2024March 18, 2024

This guide covers subprime loans and non-QM mortgages. Borrowers who have bad credit or not enough income due to self-employment…

Continue Reading Subprime Loans and NON-QM Mortgage GuidelinesContinue

Chapter 13 Versus Chapter 7 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Videos

Chapter 13 Versus Chapter 7 Bankruptcy Mortgage Guidelines

ByGustan Cho Posted onJanuary 11, 2024October 9, 2024

In this blog, we will cover and discuss the mortgage guidelines Chapter 13 versus Chapter 7 Bankruptcy. Homebuyers qualifying for…

Continue Reading Chapter 13 Versus Chapter 7 Bankruptcy Mortgage GuidelinesContinue

How Can I Qualify For W2-Only Income Mortgages
Income And Employment | First Time Home Buyers | High Debt To Income Ratio | Videos

How Can I Qualify For W2-Only Income Mortgages

ByAlex Carlucci Posted onJanuary 11, 2024July 24, 2024

Homebuyers with pending income tax returns or significant unreimbursed business expenses may be eligible for W2-only income mortgages. Gustan Cho…

Continue Reading How Can I Qualify For W2-Only Income MortgagesContinue

Experience With Homeowners Associations
Home Purchase | Real Estate Topic | Videos

Experience With Homeowners Associations

ByDale Elenteny Posted onJanuary 11, 2024January 12, 2024

This GUIDE covers the experience with homeowners associations. Have you ever wondered where your HOA fee goes every month or…

Continue Reading Experience With Homeowners AssociationsContinue

Mortgage Loan Programs With No Overlays and 30 Day Closings
Home Mortgages | Mortgage Lender Overlays | NON-QM Loans | Videos

Mortgage Loan Programs With No Overlays and 30-Day Closing

ByAlex Carlucci Posted onJanuary 10, 2024July 29, 2025

In this blog, we will cover and discuss mortgage loan programs with no overlays and closing in 30 days. The…

Continue Reading Mortgage Loan Programs With No Overlays and 30-Day ClosingContinue

Mortgage For Second Primary Residence
Home Mortgages | Home Purchase | Qualifying & Getting Pre-approved | Videos

Mortgage For Second Primary Residence Lending Guidelines

ByJohn Strange Posted onJanuary 10, 2024July 26, 2024

This guide covers mortgage for second primary residence lending guidelines. Many Americans have a current primary residence and are looking…

Continue Reading Mortgage For Second Primary Residence Lending 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

  • Home Loan After Multiple Foreclosures
    Home Loan After Multiple Foreclosures Mortgage GuidelinesAugust 11, 2025
  • Trump to Privatize Fannie Mae and Freddie Mac
    Trump To Privatize Fannie Mae and Freddie Mac in 2025August 11, 2025
  • Housing Market Outlook After The Feds Cut Interest Rates
    Housing Market Outlook after the Feds Cut Interest RatesAugust 10, 2025
  • Sheriffs Sale
    What is a Sheriffs Sale and How Does it WorkAugust 9, 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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