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    • Get Pre-Approved
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    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
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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 49
FHA Versus Conventional Mortgage After Bankruptcy
Bad Credit Mortgages | Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Videos

FHA Versus Conventional Mortgage After Bankruptcy

ByEric Jeanette Posted onJanuary 1, 2024August 14, 2024

This  guide cover FHA versus conventional mortgage after bankruptcy. There are differences in  when and how you can qualify for…

Continue Reading FHA Versus Conventional Mortgage After BankruptcyContinue

VA Late Payment After Bankruptcy
Mortgage With Late Payments | VA Loans | Videos

VA Late Payment After Bankruptcy Guidelines on VA Loans

ByGustan Cho Posted onDecember 31, 2023July 26, 2024

This guide covers VA late payment after bankruptcy mortgage guidelines on VA loans. VA loans were created and implemented to…

Continue Reading VA Late Payment After Bankruptcy Guidelines on VA LoansContinue

Mortgage Rates After Bankruptcy On Government And Conventional Loans
Bad Credit Mortgages

Mortgage Rates After Bankruptcy

ByGustan Cho Posted onDecember 30, 2023July 26, 2024

This guide covers mortgage rates after bankruptcy on government and conventional loans. There are loan level pricing adjustments (LLPA) charged…

Continue Reading Mortgage Rates After BankruptcyContinue

Homeowner Tax Benefits On Home Purchase Versus Renting
Bad Credit Mortgages

Homeowner Tax Benefits Versus Renting

ByAlex Carlucci Posted onDecember 30, 2023July 26, 2024

This guide covers homeowner tax benefits versus renting. There are so many advantages of buying versus renting a home. One…

Continue Reading Homeowner Tax Benefits Versus RentingContinue

How Lender Overlays Prevent Mortgages
Mortgage Lender Overlays

How Lender Overlays Prevent Mortgages For Homebuyers

ByAlex Carlucci Posted onDecember 29, 2023July 25, 2025

This  guide covers how lender overlays prevent mortgages for homebuyers. The Federal Reserve Board announced that almost a third of…

Continue Reading How Lender Overlays Prevent Mortgages For HomebuyersContinue

Buying House During Off Season
Home Purchase | Real Estate Topic | Videos

Buying House During Off Season

ByAlex Carlucci Posted onDecember 29, 2023July 26, 2024

This guide covers buying house during off season. You might have heard that there is not much of a supply…

Continue Reading Buying House During Off SeasonContinue

How Long is a Pre-Approval Valid
Home Mortgages | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How Long is a Pre-Approval Valid When Shopping For a Home

ByGustan Cho Posted onDecember 28, 2023July 26, 2024

This guide cover how long is a pre-approval valid when shopping for a home. A pre-approval letter is a ticket…

Continue Reading How Long is a Pre-Approval Valid When Shopping For a HomeContinue

How Credit Scores Affect Conventional Loans Mortgage Rates
Videos

How Credit Scores Affect Conventional Loans

ByGustan Cho Posted onDecember 27, 2023July 26, 2024

This  guide covers how credit scores affect conventional loans. Two of the most popular mortgage loan programs today are FHA…

Continue Reading How Credit Scores Affect Conventional LoansContinue

How To Become a Real Estate Agent
Career Opportunities/Loan Officer Training | Videos

How To Become a Real Estate Agent in Today’s Market

ByMargarett Jurilla Posted onDecember 27, 2023July 26, 2024

This guide covers how to become a real estate agent in today’s competitive housing market. A career in real estate…

Continue Reading How To Become a Real Estate Agent in Today’s MarketContinue

Homeowners Insurance Deductibles
Homeowners Insurance | Real Estate Topic | Videos

How Homeowners Insurance Deductibles Work

ByMargarett Jurilla Posted onDecember 24, 2023January 16, 2025

This guide covers how homeowners insurance deductibles work. Homeowners insurance deductibles used to be straightforward. It was the dollar amount…

Continue Reading How Homeowners Insurance Deductibles WorkContinue

How To Cancel PMI
Mortgage Insurance | Videos

How To Cancel PMI on Conventional Loans For Homeowners

ByGustan Cho Posted onDecember 22, 2023October 9, 2024

This guide covers how to cancel PMI on conventional loans for homeowners. Mortgage insurance is required on FHA, USDA, and…

Continue Reading How To Cancel PMI on Conventional Loans For HomeownersContinue

Importance of Debt-to-Income Ratio In Mortgages
High Debt To Income Ratio | Videos

The Importance of Debt-To-Income Ratio in Mortgages

ByGustan Cho Posted onDecember 20, 2023July 26, 2024

This guide covers the importance of debt-to-income ratio in mortgages. Borrowers need to keep in mind the importance of debt-to-income…

Continue Reading The Importance of Debt-To-Income Ratio in MortgagesContinue

Written Payment Agreements With Creditors
Charge Off Accounts | Collection Accounts | FHA Loans | Videos

Written Payment Agreements With Creditors

ByGustan Cho Posted onDecember 18, 2023December 19, 2023

This guide covers setting up written payment agreements with creditors and collection agencies so you can qualify and get pre-approved…

Continue Reading Written Payment Agreements With CreditorsContinue

VA Loans During Chapter 7 Versus 13 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

VA Loans During Chapter 7 Versus 13 Bankruptcy

ByGustan Cho Posted onDecember 18, 2023February 11, 2025

In this blog, we will cover and discuss the agency mortgage guidelines from the U.S. Department of Veterans Affairs for…

Continue Reading VA Loans During Chapter 7 Versus 13 BankruptcyContinue

Qualify For Veteran Administration Loans With Bad Credit
VA Loans | Videos

How To Qualify For Veteran Administration Loans

ByGustan Cho Posted onDecember 16, 2023December 18, 2023

This guide covers how to qualify for veteran administration loans with bad credit. Veteran Administration loans, also referred to as…

Continue Reading How To Qualify For Veteran Administration LoansContinue

Chicago Mortgage Loans For Self-Employed Individuals
Videos | Bank Statement Loans | Income And Employment | NON-QM Loans

Chicago Mortgage Loans For Self-Employed Individuals

ByAlex Carlucci Posted onDecember 13, 2023July 29, 2025

Chicago mortgage loans for self-employed individuals. Many folks in the Chicago Area are business owners and self-employed. If you are…

Continue Reading Chicago Mortgage Loans For Self-Employed IndividualsContinue

How Credit Repair Can Affect The Mortgage Process
Automated Underwriting System | Credit Disputes | Credit Scores | Mortgage Processing And Underwriting | Videos

How Credit Repair Can Affect The Mortgage Process

ByGustan Cho Posted onDecember 11, 2023February 10, 2025

This guide covers how credit repair can affect the mortgage process and cause a mortgage loan denial. There are several…

Continue Reading How Credit Repair Can Affect The Mortgage ProcessContinue

Home Mortgage After Forbearance
Home Mortgages | Mortgage After Bankruptcy and Foreclosure | Videos

Home Mortgage After Forbearance Agency Guidelines

ByGustan Cho Posted onDecember 7, 2023July 26, 2024

This guide covers qualifying for a home mortgage after forbearance. Borrowers can qualify for a home mortgage after forbearance. The…

Continue Reading Home Mortgage After Forbearance Agency GuidelinesContinue

First Payment After Closing For Mortgage Loan Borrowers
Home Mortgages | Mortgage Insurance | Mortgage Rates | Videos

First Payment After Closing For Mortgage Loan Borrowers

ByGustan Cho Posted onDecember 6, 2023March 19, 2024

This guide covers the first payment after closing for mortgage loan borrowers. One of the most common questions new homebuyers…

Continue Reading First Payment After Closing For Mortgage Loan BorrowersContinue

Mortgage Rates and Terms
Mortgage Rates | Videos

Mortgage Rates and Terms versus Credit Scores and LTV

ByGustan Cho Posted onDecember 5, 2023July 26, 2024

This guide covers mortgage rates and terms compared to credit scores and loan-to-value. Homebuyers planning on buying a home should…

Continue Reading Mortgage Rates and Terms versus Credit Scores and LTVContinue

Debt-to-Income Ratio Limit
Mortgage Lender Overlays | Videos

DTI Overlays Required By Lenders on Home Loans

ByGustan Cho Posted onDecember 4, 2023June 28, 2024

This guide covers the DTI overlays lenders require on government and conventional loans. DTI overlays are imposed on home mortgage…

Continue Reading DTI Overlays Required By Lenders on Home LoansContinue

Mortgage Approval With Bad Credit and Late Payments
Bad Credit Mortgages | Mortgage Lender Overlays | Videos

Mortgage Approval With Bad Credit and Late Payments

ByGustan Cho Posted onDecember 4, 2023July 8, 2025

This guide covers mortgage approval with bad credit and late payments. Many consumers have had a period in their lives….

Continue Reading Mortgage Approval With Bad Credit and Late PaymentsContinue

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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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