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Gustancho Associates

Mortgage & Real Estate News

Home / Mortgage & Real Estate News - Page 6
Online Mortgage Shopping
Home Mortgages

Online Mortgage Shopping Changed Mortgage Lending

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss how online mortgage shopping changed mortgage lending. The greatest benefits of online…

Continue Reading Online Mortgage Shopping Changed Mortgage LendingContinue

How Credit Scoring Works
Videos

How Credit Scoring Works in the Mortgage Process

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss how credit scoring works in the mortgage process. How credit scoring works…

Continue Reading How Credit Scoring Works in the Mortgage ProcessContinue

Buying Home Near Schools
Home Purchase

Buying Home Near Schools For First-Time Homebuyers

ByAlex Carlucci Posted onAugust 20, 2025August 21, 2025

In this blog, we will discuss and cover buying home near schools for first-time homebuyers. There are pros and cons…

Continue Reading Buying Home Near Schools For First-Time HomebuyersContinue

Conventional Versus Government-Backed Mortgages
Videos

Conventional Versus Government-Backed Mortgages

ByGustan Cho Posted onAugust 20, 2025September 2, 2025

Conventional Versus Government-Backed Mortgages: Which Loan Fits You Best? When you’re buying a home, one of the first big decisions…

Continue Reading Conventional Versus Government-Backed MortgagesContinue

Refinancing Your California Mortgage Loan
Home Mortgages | FHA and VA Streamline Refinance | FHA Loans | Videos

Refinancing Your California Mortgage Loan

ByLaurie Cho Posted onAugust 20, 2025August 21, 2025

Refinancing Your California Mortgage Loan in 2025: A Complete Guide If you’re a California homeowner, you’ve probably heard friends or…

Continue Reading Refinancing Your California Mortgage LoanContinue

Conditional Mortgage Approval Versus Pre-Approval
Home Mortgages | Videos

Conditional Mortgage Approval Versus Pre-Approval

ByAlex Carlucci Posted onAugust 20, 2025August 21, 2025

Conditional Mortgage Approval Versus Pre-Approval: What Borrowers Need to Know in 2025 Buying a home is super exciting, but the…

Continue Reading Conditional Mortgage Approval Versus Pre-ApprovalContinue

What are FHA Loan Limits For One-to-Four Unit Properties
FHA Loans

What Are The FHA Loan Limits For One-to-Four Unit Properties in Illinois

ByGustan Cho Posted onAugust 19, 2025August 20, 2025

This guide covers what are the FHA loan limits for one-to-four unit properties in Illinois. FHA loan limits for one-to-four…

Continue Reading What Are The FHA Loan Limits For One-to-Four Unit Properties in IllinoisContinue

Property Taxes Can Determine Buying Power
Property Taxes | High Debt To Income Ratio | Real Estate Topic | Videos

How Property Taxes Can Determine Buying Power on Homes

ByAlex Carlucci Posted onAugust 19, 2025August 20, 2025

How Property Taxes Can Determine Buying Power in 2025 When people are looking to buy a home, they usually pay…

Continue Reading How Property Taxes Can Determine Buying Power on HomesContinue

Negative Income With Co-Borrowers
Income And Employment

Negative Income With Co-Borrowers Mortgage Guidelines

ByGustan Cho Posted onAugust 19, 2025August 20, 2025

This guide covers negative income with co-borrowers mortgage guidelines. HUD, the parent of FHA, allows non-occupant co-borrowers to be added…

Continue Reading Negative Income With Co-Borrowers Mortgage GuidelinesContinue

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

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, 2025September 2, 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?…

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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

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

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

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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

  • Pros and Cons of Conventional and FHA Loans
    The Pros and Cons of Conventional and FHA LoansOctober 13, 2025
  • HUD FHA 203h Mortgage Guidelines
    HUD FHA 203h Mortgage Guidelines For Disaster VictimsOctober 13, 2025
  • Preparing for a Mortgage in Illinois
    Ready to Buy? Start Preparing for a Mortgage in Illinois NowOctober 13, 2025
  • Mortgage Guidelines on Home Loans
    Mortgage Guidelines on Home Loans Made EasyOctober 10, 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 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 Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loan with Judgment
    • USDA Loans
    • DACA Mortgage Loans
    • Conventional Loans
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Bad Credit Scores
    • 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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