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Gustan Cho Associates
  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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
  • CareersExpand
    • Can Realtors Be MLOs At The Same Time
    • Career OpportunitiesExpand
      • Training a New Mortgage Loan Officer Without Any Experience
      • MLO License School
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    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

Mortgage & Real Estate News

Home / Mortgage & Real Estate News - Page 8
Horrible Bosses
Career Opportunities/Loan Officer Training

Horrible Bosses To Work For at Mortgage Companies

ByAlex Carlucci Posted onDecember 24, 2024December 26, 2024

This guide covers horrible bosses to work for at mortgage companies. Being that I have now had 8 jobs in…

Continue Reading Horrible Bosses To Work For at Mortgage CompaniesContinue

Taking Tests For Job
Career Opportunities/Loan Officer Training

Taking Tests For Job To Start a Career as a Loan Officer

ByDale Elenteny Posted onDecember 23, 2024April 7, 2025

This guide covers taking test for job to get started to a career as a mortgage loan officer. I am…

Continue Reading Taking Tests For Job To Start a Career as a Loan OfficerContinue

Home Loan with Recent Late Payments
Bad Credit Mortgages | Letter Of Explanation | Videos

Home Loan With Recent Late Payments Mortgage Guidelines

ByDale Elenteny Posted onDecember 19, 2024December 26, 2024

Qualifying for a Home Loan with Recent Late Payments in 2024 Are you struggling with recent late payments but still…

Continue Reading Home Loan With Recent Late Payments Mortgage GuidelinesContinue

Liabilities in Mortgage Qualification
Mortgage Processing And Underwriting | High Debt To Income Ratio | Manual Underwriting | Student Loans | video

How Do Underwriters View Liabilities In Mortgage Qualification

ByGustan Cho Posted onDecember 19, 2024December 26, 2024

How Underwriters View Liabilities in Mortgage Qualification (Updated for 2024) When applying for a mortgage, understanding how underwriters evaluate liabilities…

Continue Reading How Do Underwriters View Liabilities In Mortgage QualificationContinue

Manual Underwriting During Chapter 13
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | VA Loans | Videos

Manual Underwriting During Chapter 13 Mortgage Process

ByGustan Cho Posted onDecember 19, 2024December 26, 2024

In this article, we will discuss and cover manual underwriting during Chapter 13 mortgage process. Homebuyers can qualify for an…

Continue Reading Manual Underwriting During Chapter 13 Mortgage ProcessContinue

Mortgage with High DTI
High Debt To Income Ratio | Conventional Loans | FHA Loans | USDA Loans | VA Loans | Videos

Mortgage With High DTI Guidelines On Home Loans

ByGustan Cho Posted onDecember 18, 2024April 7, 2025

Mortgage with High DTI: Your Guide to Home Loans in 2024 In 2024, the world of home loans is changing….

Continue Reading Mortgage With High DTI Guidelines On Home LoansContinue

Upfront Costs Mortgage Application
Videos | Mortgage Processing And Underwriting

Upfront Costs Mortgage Application Versus Closing Costs

ByDale Elenteny Posted onDecember 18, 2024December 20, 2024

In this blog, we will discuss and cover the upfront costs mortgage application versus closing costs. All home buyers or…

Continue Reading Upfront Costs Mortgage Application Versus Closing CostsContinue

Bad credit Mortgage Loans Kansas
Bad Credit Mortgages | FHA Loans | NON-QM Loans

Bad Credit Mortgage Loans Kansas: Winning Strategies

ByAlex Carlucci Posted onDecember 18, 2024December 20, 2024

Unlock Your Dream Home in Kansas: A Guide to Bad Credit Mortgage Loans in 2024 If you’re eyeing a new…

Continue Reading Bad Credit Mortgage Loans Kansas: Winning StrategiesContinue

PMI on Conventional Loans
Mortgage Insurance | Conventional Loans | Videos

PMI on Conventional Loans With Higher Than 80% LTV

ByGustan Cho Posted onDecember 17, 2024December 18, 2024

Understanding PMI on Conventional Loans: Your Essential Guide for 2024 When you’re looking to buy a home or refinance one,…

Continue Reading PMI on Conventional Loans With Higher Than 80% LTVContinue

Avoiding Delays in Getting a Conditional Mortgage Approval
Mortgage Processing And Underwriting | Conditional Loan Approval | Videos

Avoiding Delays In Getting A Conditional Mortgage Approval

ByGustan Cho Posted onDecember 16, 2024December 18, 2024

Avoiding Delays in Getting Conditional Mortgage Approval: A Step-by-Step Guide Getting a mortgage is a big milestone, but it can…

Continue Reading Avoiding Delays In Getting A Conditional Mortgage ApprovalContinue

Mortgage Closing Process
Mortgage Processing And Underwriting | Clear To Close

Mortgage Closing Process In Illinois On Home Purchases

ByAlex Carlucci Posted onDecember 16, 2024December 18, 2024

The Complete Guide to the Mortgage Closing Process in Illinois: Everything You Need to Know Buying a home is one…

Continue Reading Mortgage Closing Process In Illinois On Home PurchasesContinue

Refinancing With FHA Mortgage Insurance Premium Reduction
Mortgage Insurance

Refinancing With FHA Mortgage Insurance Premium Reduction

ByGustan Cho Posted onDecember 16, 2024December 17, 2024

Refinancing your mortgage is a smart way to lower your housing costs and save money over time. For FHA homeowners,…

Continue Reading Refinancing With FHA Mortgage Insurance Premium ReductionContinue

One-Time Construction Loan Close
NON-QM Loans | One-Time Close Construction Loans

One-Time Construction Loan Close Mortgage Program

ByMike Gracz Posted onDecember 16, 2024May 13, 2025

The one-time construction loan close for new construction homes enables homebuyers to purchase land, build, and permanently finance a new home.

Continue Reading One-Time Construction Loan Close Mortgage ProgramContinue

Types of Insurance For Different Kinds of Athletes
Mortgage Insurance

Types of Insurance For Different Kinds Of Professional Athletes

ByAlex Carlucci Posted onDecember 16, 2024December 17, 2024

In this article, we will discuss and cover the Types of Insurance For Different Kinds of Athletes. From the time…

Continue Reading Types of Insurance For Different Kinds Of Professional AthletesContinue

Changes in Credit Report During Mortgage Process
Credit Disputes | Credit Scores | Mortgage Processing And Underwriting | Videos

Changes In Credit Report During Mortgage Process

ByGustan Cho Posted onDecember 16, 2024December 20, 2024

This guide covers changes in credit report during mortgage process. Credit scores and debt-to-income ratios determine whether borrowers qualify for…

Continue Reading Changes In Credit Report During Mortgage ProcessContinue

Buying a Home with Dogs
Home Purchase

Buying A Home With Dogs And Other Pets For Homebuyers

ByGustan Cho Posted onDecember 12, 2024December 16, 2024

Buying a Home with Dogs: What Every Pet Lover Should Know in 2024 If you’re a pet owner, you understand…

Continue Reading Buying A Home With Dogs And Other Pets For HomebuyersContinue

Mistakes Prior to Clear to Close
Bad Credit Mortgages

How to Avoid the Worst Mistakes Prior to Clear to Close

ByGustan Cho Posted onDecember 12, 2024December 16, 2024

What Are The Typical Mistakes Prior To Clear To Close To Avoid By Mortgage Borrowers? You should not maximize your credit cards, purchase new furniture, buy a car, bounce any checks, or apply for new credit during the mortgage process prior to the clear to close.

Continue Reading How to Avoid the Worst Mistakes Prior to Clear to CloseContinue

Common Mortgage Overlays
Mortgage Lender Overlays | Videos

Common Mortgage Overlays on FHA, VA, Conventional Loans

ByGustan Cho Posted onDecember 12, 2024December 16, 2024

This guide covers common mortgage overlays on government and conventional loans. There are two types of mortgage guidelines. All borrowers…

Continue Reading Common Mortgage Overlays on FHA, VA, Conventional LoansContinue

HUD Forbearance Guidelines
Headline News Archives

HUD Forbearance Guidelines On FHA Loans: Things to Know

ByMike Gracz Posted onDecember 11, 2024December 16, 2024

HUD Forbearance Guidelines on FHA Loans: What Borrowers Need to Know in 2024 Are you struggling to make your mortgage…

Continue Reading HUD Forbearance Guidelines On FHA Loans: Things to KnowContinue

1099-income-only mortgages
NON-QM Loans | Videos

1099-Income-Only Mortgages

ByAlex Carlucci Posted onDecember 10, 2024December 16, 2024

1099 Income Only Mortgages: A Game-Changer for Self-Employed Borrowers in 2024 Self-employed borrowers, freelancers, and independent contractors often face hurdles…

Continue Reading 1099-Income-Only MortgagesContinue

Unreimbursed Business Expenses
Income And Employment | Videos

How Unreimbursed Business Expenses Affect Mortgage Loans

ByGustan Cho Posted onDecember 10, 2024January 31, 2025

How Unreimbursed Business Expenses Affect Your Ability to Get a Mortgage in 2024 If you plan to buy a home…

Continue Reading How Unreimbursed Business Expenses Affect Mortgage LoansContinue

Stalking Horse Offer
Investment Homes

What Is A Stalking Horse Offer And How Does It Work?

ByAlex Carlucci Posted onDecember 10, 2024December 16, 2024

What Is a Stalking Horse Offer and How Does It Work? (2024 Update) If you’re a real estate investor or…

Continue Reading What Is A Stalking Horse Offer And How Does It Work?Continue

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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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  • Jumbo DTI Calculator
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Resources

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  • GCA Approves When Others Can’t
  • Mortgage Guides and Home Loan Options
  • How To Un-Freeze a Credit File?
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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