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Gustan Cho Associates
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    • 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
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      • 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
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    • How Do I Become A Mortgage Loan Officer
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

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APR Versus Interest Rate
Mortgage Rates

APR Versus Interest Rate Quoted By Mortgage Lenders

ByAlex Carlucci Posted onAugust 28, 2025August 28, 2025

APR Versus Interest Rate: What Homebuyers Need to Know in 2025 When you shop for a mortgage, you’ll see two…

Continue Reading APR Versus Interest Rate Quoted By Mortgage LendersContinue

Chenoa DPA EDGE Program
First Time Home Buyers | Down Payment Assistance | Videos

Chenoa DPA EDGE Program: Powerful Aid for Home Buyers

ByJohn Strange Posted onAugust 28, 2025August 28, 2025

Chenoa DPA EDGE Program: Your Guide to Down Payment Help in 2025 The American dream is a term we have…

Continue Reading Chenoa DPA EDGE Program: Powerful Aid for Home BuyersContinue

Apartment Building Loans
Commercial Loans | Muti-Family Investment | Videos

Apartment Building Loans For Real Estate Investors

ByDale Elenteny Posted onAugust 27, 2025August 28, 2025

Apartment Building Loans: Your Complete Guide in 2025 If you plan to buy or refinance a multifamily property, look for…

Continue Reading Apartment Building Loans For Real Estate InvestorsContinue

What Lenders Look for in Bank Statements
Videos | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved

What Lenders Look for in Bank Statements Before Saying Yes

ByGustan Cho Posted onAugust 27, 2025August 28, 2025

What Lenders Look for in Bank Statements: 2025 Guide for Mortgage Approval Getting a mortgage can be stressful, especially when…

Continue Reading What Lenders Look for in Bank Statements Before Saying YesContinue

Helping Your Realtor And Lender Help You
Real Estate Topic

Helping Your Realtor and Lender Help You with a Home Purchase

ByDale Elenteny Posted onAugust 27, 2025August 28, 2025

In this article, we will cover and discuss helping your realtor and lender help you with a home purchase. I…

Continue Reading Helping Your Realtor and Lender Help You with a Home PurchaseContinue

Types of Commercial Lending
Commercial Loans | Real Estate Topic | Videos

Types of Commercial Lending For Real Estate Investors

ByGustan Cho Posted onAugust 27, 2025August 28, 2025

Why Understanding the Types of Commercial Lending Matters Knowing the types of commercial lending can make or break your next…

Continue Reading Types of Commercial Lending For Real Estate InvestorsContinue

Lender Overlays on Collection Accounts
Collection Accounts | Charge Off Accounts | Mortgage Lender Overlays | Videos

Lender Overlays on Collection Accounts: What Banks Won’t Say

ByGustan Cho Posted onAugust 26, 2025August 27, 2025

Lender Overlays on Collection Accounts: What Borrowers Need to Know in 2025 Many homebuyers feel stuck when they apply for…

Continue Reading Lender Overlays on Collection Accounts: What Banks Won’t SayContinue

Can Realtors Be Loan Officers
Career Opportunities/Loan Officer Training | Videos

Can Realtors Be Loan Officers at The Same Time?

ByLaurie Cho Posted onAugust 26, 2025August 27, 2025

Can Realtors Be Loan Officers at the Same Time?  The answer is yes. GCA Mortgage Group is recruiting professional real estate agents with at least a one-year of loan origination experience.

Continue Reading Can Realtors Be Loan Officers at The Same Time?Continue

Closing a Mortgage on Time
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Closing a Mortgage on Time: Stress-Free Closing Made Easy

ByAlex Carlucci Posted onAugust 26, 2025August 27, 2025

Closing a Mortgage on Time: Simple Steps for a Stress-Free Experience Buying a home is exciting, but nothing is more…

Continue Reading Closing a Mortgage on Time: Stress-Free Closing Made EasyContinue

Non-QM Loan Waiting Period Guidelines
NON-QM Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Bounce Back Fast With Non-QM Loan Waiting Period Guidelines

ByAlex Carlucci Posted onAugust 26, 2025August 27, 2025

Non-QM Loan Waiting Period Guidelines: Buy a Home Sooner After Bankruptcy or Foreclosure Life happens. Job loss, medical bills, divorce,…

Continue Reading Bounce Back Fast With Non-QM Loan Waiting Period GuidelinesContinue

Online Mortgage Application
Clear To Close | Automated Underwriting System | Manual Underwriting | Mortgage Processing And Underwriting | Videos

Online Mortgage Application Leading To Clear To Close

ByMike Gracz Posted onAugust 26, 2025August 26, 2025

In this blog, we will cover and discuss online mortgage application leading to clear to close. The mortgage application process…

Continue Reading Online Mortgage Application Leading To Clear To CloseContinue

Maintenance Checklist for Florida Homes
Home Improvement/Renovations | Real Estate Topic

Complete Maintenance Checklist For Florida Homes

ByMargarett Jurilla Posted onAugust 25, 2025August 26, 2025

Maintenance Checklist for Florida Homes Owning a home in Florida is a dream that comes with its own set of…

Continue Reading Complete Maintenance Checklist For Florida HomesContinue

Role of a Mortgage Loan Coordinator
Mortgage Processing And Underwriting

Role of a Mortgage Loan Coordinator in the Mortgage Process

ByGustan Cho Posted onAugust 25, 2025August 26, 2025

Role of a Mortgage Loan Coordinator: Why They Matter in 2025 When you apply for a mortgage, you’ll notice very…

Continue Reading Role of a Mortgage Loan Coordinator in the Mortgage ProcessContinue

Buying a Beachfront Property in Florida
Home Mortgages | Home Purchase | Real Estate Topic | Videos

Smart Tips for Buying a Beachfront Property in Florida

ByDale Elenteny Posted onAugust 25, 2025August 26, 2025

Buying a Beachfront Property in Florida: Everything You Need to Know Florida’s sunshine, sandy beaches, and breathtaking views have made…

Continue Reading Smart Tips for Buying a Beachfront Property in FloridaContinue

Mortgage After Bankruptcy in New Hampshire
Mortgage After Bankruptcy and Foreclosure

Mortgage After Bankruptcy in New Hampshire with No Overlays

ByDale Elenteny Posted onAugust 25, 2025August 26, 2025

Starting Fresh: Mortgage After Bankruptcy in New Hampshire Filing for bankruptcy is never easy. It can feel like the end…

Continue Reading Mortgage After Bankruptcy in New Hampshire with No OverlaysContinue

How Lenders Price Refinance Mortgage Rates
Bad Credit Mortgages | Mortgage Rates | Refinancing | Videos

How Lenders Price Refinance Mortgage Rates

ByAlex Carlucci Posted onAugust 24, 2025August 25, 2025

In this article, we will discuss and cover refinance mortgage rates pricing adjustments, and volatility. Refinance Mortgage Rates hit a…

Continue Reading How Lenders Price Refinance Mortgage RatesContinue

How Do Mortgage Underwriters View Assets
Home Mortgages | Home Purchase | Mortgage Processing And Underwriting | Proof of Funds

How Do Mortgage Underwriters View Assets For Down Payment

ByGustan Cho Posted onAugust 24, 2025August 25, 2025

In this article, we will cover and discuss how do mortgage underwriters view assets for down payment on home purchases….

Continue Reading How Do Mortgage Underwriters View Assets For Down PaymentContinue

Government Mortgages
FHA Loans | USDA Loans | VA Loans

Government Mortgages For Owner-Occupant Homebuyers

ByGustan Cho Posted onAugust 24, 2025August 25, 2025

In this blog, we will cover and discuss government mortgages for owner-occupant homebuyers. We will go in-depth about what government…

Continue Reading Government Mortgages For Owner-Occupant HomebuyersContinue

FHA Streamline Refinance Utah
Mortgage Refinance | FHA and VA Streamline Refinance | FHA Loans | Videos

FHA Streamline Refinance Utah Mortgage Guidelines

ByJohn Strange Posted onAugust 24, 2025August 25, 2025

In this article, we will cover and discuss FHA streamline refinance Utah mortgage guidelines. Gustan Cho Associates, Empowered by NEXA…

Continue Reading FHA Streamline Refinance Utah Mortgage GuidelinesContinue

FAQ Mortgage Questions
Bad Credit Mortgages | Real Estate Topic

FAQ Mortgage Questions on Home Purchase and Refinance

ByGustan Cho Posted onAugust 23, 2025August 25, 2025

Homebuyers should take time and ask as many questions as possible prior to the homebuying process. This holds especially true even if they are purchasing the home cash.

Continue Reading FAQ Mortgage Questions on Home Purchase and RefinanceContinue

What Are Conventional Loans
Conventional Loans

What Are Conventional Loans

ByMike Gracz Posted onAugust 23, 2025August 25, 2025

In this blog, we will cover and discuss what are conventional loans or conforming mortgages and their benefits. Many home…

Continue Reading What Are Conventional LoansContinue

VA Loan Limits
VA Loans

VA Loan Limits for 2025

ByAlex Carlucci Posted onAugust 23, 2025August 25, 2025

In this blog, we will cover and discuss VA loan limits on how much home you can buy with a…

Continue Reading VA Loan Limits for 2025Continue

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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

  • APR Versus Interest Rate
    APR Versus Interest Rate Quoted By Mortgage LendersAugust 28, 2025
  • Chenoa DPA EDGE Program
    Chenoa DPA EDGE Program: Powerful Aid for Home BuyersAugust 28, 2025
  • Apartment Building Loans
    Apartment Building Loans For Real Estate InvestorsAugust 27, 2025
  • What Lenders Look for in Bank Statements
    What Lenders Look for in Bank Statements Before Saying YesAugust 27, 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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