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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 60
Documents Required By Lenders To Close Mortgage On Time
Mortgage Processing And Underwriting | Videos

Documents Required By Lenders To Close Mortgage On Time

ByAlex Carlucci Posted onAugust 26, 2021July 22, 2024

This Article Is About Documents Required By Lenders To Close Mortgage On Time Most people dread the thought of providing…

Continue Reading Documents Required By Lenders To Close Mortgage On TimeContinue

Changes In Mortgage Lending And Guidelines And How It Affects Buyers
Home Mortgages

Changes In Mortgage Lending And Guidelines And How It Affects Buyers

ByGustan Cho Posted onAugust 25, 2021March 20, 2024

This Article Is About Changes In Mortgage Lending And Guidelines And How It Affects Buyers 2021 has come and is…

Continue Reading Changes In Mortgage Lending And Guidelines And How It Affects BuyersContinue

How Do Underwriters View Charge Off Accounts With Balances
Re-Establishing Credit

How Do Underwriters View Charge Off Accounts With Balances

ByGustan Cho Posted onAugust 24, 2021April 7, 2025

This Article Is About How Do Underwriters View Charge Off Accounts With Balances Home Buyers Can Now Qualify Mortgages With…

Continue Reading How Do Underwriters View Charge Off Accounts With BalancesContinue

VA Loans Alabama
Mortgage Lender Overlays | VA Loans

VA Loans Alabama Mortgage Guidelines With No Lender Overlays

ByMike Gracz Posted onAugust 24, 2021October 8, 2024

This ARTICLE Is About VA Loans Alabama Mortgage Guidelines With No Lender Overlays Alabama is on the map. The state…

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Impact On Debt Versus Your Credit Scores
High Debt To Income Ratio

Debt Versus Credit Scores During Mortgage Qualification

ByGustan Cho Posted onAugust 23, 2021April 7, 2025

This Article Is About Debt Versus Credit Scores During Mortgage Qualification There is a negative impact on debt versus credit…

Continue Reading Debt Versus Credit Scores During Mortgage QualificationContinue

Jumbo Loans After Foreclosure With No Waiting Period Requirements
Jumbo Loans

Jumbo Loans After Foreclosure With No Waiting Period Requirements

ByGustan Cho Posted onAugust 18, 2021October 8, 2024

This ARTICLE Is About Jumbo Loans After Foreclosure With No Waiting Period Requirements The U.S. Housing Market is booming in…

Continue Reading Jumbo Loans After Foreclosure With No Waiting Period RequirementsContinue

FHA Automated Findings With Low Credit Scores And High DTI
Videos | Automated Underwriting System

FHA Automated Findings With Low Credit Scores And High DTI

ByGustan Cho Posted onAugust 17, 2021October 8, 2024

This Article Is About FHA Automated Findings With Low Credit Scores And High DTI  It will be much more difficult…

Continue Reading FHA Automated Findings With Low Credit Scores And High DTIContinue

Owner Financing On Home Purchase For Buyers And Sellers
Home Mortgages

Owner Financing On Home Purchase For Buyers And Sellers

ByAlex Carlucci Posted onAugust 13, 2021March 11, 2025

This article covers Owner Financing On Home Purchase For Buyers And Sellers Owner financing is a great option for homebuyers…

Continue Reading Owner Financing On Home Purchase For Buyers And SellersContinue

DIY Tips for Homeowners on Home Improvements
Real Estate Topic

DIY Tips for Homeowners on Home Improvements

ByGustan Cho Posted onAugust 13, 2021October 8, 2024

This article covers DIY Tips For Homeowners On Home Improvements Good Morning world and happy Friday to all of you….

Continue Reading DIY Tips for Homeowners on Home ImprovementsContinue

Disputing Derogatory Credit During Mortgage Process
Mortgage Processing And Underwriting

Disputing Derogatory Credit During Mortgage Approval Process

ByGustan Cho Posted onAugust 12, 2021October 8, 2024

You cannot dispute derogatory credit tradelines during the mortgage process unless they are exempt from retraction. Any non-exempt credit disputes will suspend and halt the mortgage process.

Continue Reading Disputing Derogatory Credit During Mortgage Approval ProcessContinue

FHA Loan Credit
Mortgage Lender Overlays

FHA Loan Credit Guidelines Versus Lender Overlays

ByGustan Cho Posted onAugust 12, 2021October 9, 2024

This Article Is About FHA Loan Credit Guidelines Versus Lender Overlays The U.S. Department of Housing and Urban Development (HUD),…

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What Do Mortgage Lenders Want To See In A Borrower?
Home Mortgages

What Do Mortgage Lenders Want To See In A Borrower?

ByGustan Cho Posted onAugust 12, 2021October 8, 2024

This Article Is About What Do Mortgage Lenders Want To See In A Borrower The number one concern lenders have…

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How to remove negative entries to qualify for a mortgage
Bad Credit Mortgages

Removing Negative Items To Qualify For Mortgage

ByAlex Carlucci Posted onAugust 10, 2021October 8, 2024

This Article Is About Removing Negative Items To Qualify For Mortgage Gustan Cho Associates are experts in advising borrowers in…

Continue Reading Removing Negative Items To Qualify For MortgageContinue

Condo Versus Home Purchase
Condominium Loans

Condo Versus Home Purchase Mortgage Guidelines

ByGustan Cho Posted onAugust 9, 2021October 8, 2024

Condos are becoming very popular for millennials, young busy professionals, and the elderly. However, lending standards are tougher on condos versus single-family homes.

Continue Reading Condo Versus Home Purchase Mortgage GuidelinesContinue

How To Prevent Mortgage Default With Loss Of Employment
Home Purchase

How To Prevent Mortgage Default With Loss Of Employment

ByGustan Cho Posted onAugust 9, 2021October 9, 2024

This Article Is About How To Prevent Mortgage Default With Loss Of Employment Mortgage lenders will work with homeowners who…

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HUD FHA 203k Renovation Guidelines
FHA 203k Loan

HUD FHA 203k Renovation Guidelines On Home Improvement Loans

ByGustan Cho Posted onAugust 7, 2021September 23, 2024

This ARTICLE On HUD FHA 203k Renovation Guidelines On Home Improvement Loans Home values are appreciating nationwide. Both HUD and…

Continue Reading HUD FHA 203k Renovation Guidelines On Home Improvement LoansContinue

Undisclosed Debt Guidelines
High Debt To Income Ratio

Undisclosed Debt Guidelines On Government And Conventional Loans

ByDale Elenteny Posted onAugust 6, 2021March 1, 2024

Most undisclosed debts will be discovered by lenders during a third-party national search of public records.

Continue Reading Undisclosed Debt Guidelines On Government And Conventional LoansContinue

Home Loan With High DTI
High Debt To Income Ratio

Home Loan With High DTI And Bad Credit Guidelines

ByGustan Cho Posted onAugust 6, 2021April 7, 2025

Most lenders have a debt to income ratio cap on government and conventional loans. Lenders need to meet the minimum debt to income ratio caps. However, lenders can have their own DTI caps which is lower than the agency guidelines as part of their DTI lender overlays

Continue Reading Home Loan With High DTI And Bad Credit GuidelinesContinue

FHA Investor Overlays
Mortgage Lender Overlays

FHA Investor Overlays Versus HUD Agency Mortgage Guidelines

ByGustan Cho Posted onJuly 27, 2021October 8, 2024

This Article Is About FHA Investor Overlays Versus HUD Agency Mortgage Guidelines: It is very important to understand the difference…

Continue Reading FHA Investor Overlays Versus HUD Agency Mortgage GuidelinesContinue

Deficiency Judgments
Judgment

Qualifying For Home Loans With Deficiency Judgments

ByGustan Cho Posted onJuly 21, 2021April 7, 2025

Homebuyers can qualify for a mortgage loan as long as they have a written payment agreement with the judgment creditor and have made three timely payments. Or they can negotiate a settled amount with the judgment creditor and pay it at or prior to closing.

Continue Reading Qualifying For Home Loans With Deficiency JudgmentsContinue

Mortgage Rates Are Still At Historic Lows On Purchase And Refinance
Mortgage Rates | Videos

Mortgage Rates Are Still At Historic Lows On Purchase And Refinance

ByGustan Cho Posted onJuly 21, 2021January 14, 2025

This Article Is About Mortgage Rates Are Still At Historic Lows On Purchase And Refinance: The Dow Jones Industrials have…

Continue Reading Mortgage Rates Are Still At Historic Lows On Purchase And RefinanceContinue

HUD FHA 203h Mortgage Guidelines
FHA Loans

HUD FHA 203h Mortgage Guidelines For Disaster Victims

ByGustan Cho Posted onJuly 19, 2021July 19, 2024

This Article Is About HUD FHA 203h Mortgage Guidelines For Disaster Victims: Housing and Urban Development is the parent of…

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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

  • Importance of Credit Reports
    Importance of Credit Reports in the Mortgage ProcessJuly 4, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansJuly 3, 2025
  • Conforming Versus FHA Mortgage
    Conforming Versus FHA Mortgage Guidelines and BenefitsJuly 3, 2025
  • Short Sale Versus Foreclosure
    Short Sale Versus Foreclosure Mortgage GuidelinesJuly 3, 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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