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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 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 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 LoansExpand
      • 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 LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
      • 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
    • Mortgage Branch Careers
    • Remote Mortgage Loan Officer Career Opportunities
    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
  • Videos
  • BlogsExpand
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

Mortgage & Real Estate News

Home / Mortgage & Real Estate News
Boise Idaho Housing Market
Home Purchase | Home Sellers | House Flipping | Real Estate Topic | Videos

Boise Idaho Housing Market: Urgent Trends You Need

ByMargarett Jurilla Posted onOctober 16, 2025October 16, 2025

Boise Idaho Housing Market Update (October 2025): Prices, Inventory & 6–12 Month Outlook If you’re watching the Boise Idaho housing…

Continue Reading Boise Idaho Housing Market: Urgent Trends You NeedContinue

Green Mortgage
Home Improvement/Renovations | Home Mortgages | Home Purchase

Green Mortgage: A Guide to Energy-Efficient Home Financing

ByGustan Cho Posted onOctober 15, 2025October 15, 2025

Why Green Mortgages Matter in 2025 Are you looking for a way to lower your bills and make your home…

Continue Reading Green Mortgage: A Guide to Energy-Efficient Home FinancingContinue

Changes in Mortgage Lending
Home Mortgages

Changes In Mortgage Lending and How It Affects Buyers

ByGustan Cho Posted onOctober 15, 2025October 15, 2025

Mortgage rules change all the time, and 2025 will be no different. There are increases in loan limits, easier student…

Continue Reading Changes In Mortgage Lending and How It Affects BuyersContinue

Buying a Home with a VA Loan
Mortgage Rates

APR Versus Interest Rate Quoted By Mortgage Lenders

ByAlex Carlucci Posted onOctober 15, 2025October 15, 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

Avoiding Stress During Mortgage Process
Home Purchase | Videos

Avoiding Stress During Mortgage Process And Close On Time

ByAnngelli Abenes Posted onOctober 15, 2025October 15, 2025

Why the Mortgage Process Feels So Stressful Buying a home should be one of the most exciting times in your…

Continue Reading Avoiding Stress During Mortgage Process And Close On TimeContinue

Buying a Home with a VA Loan
VA Loans

Buying A Home With A VA Loan With No Money Down

ByMike Gracz Posted onOctober 15, 2025October 15, 2025

Buying a Home With a VA Loan in 2025: The Clear, No-Nonsense Guide You served. You earned this benefit. If…

Continue Reading Buying A Home With A VA Loan With No Money DownContinue

How Do Principal Payments Work On Home Mortgages
Home Mortgages | Videos

How Do Principal Payments Work On Home Mortgages

ByAlex Carlucci Posted onOctober 14, 2025October 14, 2025

How Do Principal Payments Work On Home Mortgages Understanding how principal payments work on home mortgages is one of the…

Continue Reading How Do Principal Payments Work On Home MortgagesContinue

Investment Home Mortgage Loans
Investment Homes | Videos

Traditional and Non-Prime Investment Home Mortgage Loans

ByAlex Carlucci Posted onOctober 14, 2025October 14, 2025

Investment Home Mortgage Loans: 2025 Guide to No Doc, DSCR, and Non-QM Options Getting the right investment home mortgage loan…

Continue Reading Traditional and Non-Prime Investment Home Mortgage LoansContinue

Manual Underwriting DTI Guidelines
FHA Loans | Manual Underwriting | VA Loans | Videos

Manual Underwriting DTI Guidelines for FHA and VA Loans

ByMargarett Jurilla Posted onOctober 14, 2025October 14, 2025

This guide covers manual underwriting DTI guidelines on FHA and VA loans. HUD and the Veterans Administration are the only…

Continue Reading Manual Underwriting DTI Guidelines for FHA and VA LoansContinue

How to Cancel PMI
Mortgage Insurance | Videos

How To Cancel PMI on Conventional Loans For Homeowners

ByGustan Cho Posted onOctober 14, 2025October 14, 2025

How to Cancel PMI on Conventional Loans in 2025: Step-by-Step Guide to Save Money Private Mortgage Insurance (PMI) is one…

Continue Reading How To Cancel PMI on Conventional Loans For HomeownersContinue

Steps in Buying a House
Home Purchase | Videos

Steps In Buying A House And Getting Qualified For Mortgage

ByGustan Cho Posted onOctober 14, 2025October 14, 2025

If you’ve been dreaming of owning a home, learning the exact steps in buying a house is the key to…

Continue Reading Steps In Buying A House And Getting Qualified For MortgageContinue

Pros and Cons of Conventional and FHA Loans
FHA Loans | Conventional Loans | Videos

The Pros and Cons of Conventional and FHA Loans

ByAlex Carlucci Posted onOctober 13, 2025October 14, 2025

Pros and Cons of Conventional and FHA Loans in 2025 When planning to buy a home, one of the first…

Continue Reading The Pros and Cons of Conventional and FHA LoansContinue

HUD FHA 203h Mortgage Guidelines
FHA Loans

HUD FHA 203h Mortgage Guidelines For Disaster Victims

ByGustan Cho Posted onOctober 13, 2025October 13, 2025

HUD FHA 203h Mortgage Guidelines for Disaster Victims in 2025: Helping Families Rebuild After Natural Disasters with Zero Down Payment…

Continue Reading HUD FHA 203h Mortgage Guidelines For Disaster VictimsContinue

FHA Bankruptcy Waiting Period
Mortgage After Bankruptcy and Foreclosure

FHA Bankruptcy Waiting Period and Mortgage Guidelines

ByGustan Cho Posted onOctober 13, 2025October 14, 2025

Understanding the FHA Bankruptcy Waiting Period The FHA Bankruptcy Waiting Period determines how long a borrower must wait after filing…

Continue Reading FHA Bankruptcy Waiting Period and Mortgage GuidelinesContinue

Preparing for a Mortgage in Illinois
Home Purchase | Mortgage Processing And Underwriting | Property Taxes | Real Estate Topic | Videos

Ready to Buy? Start Preparing for a Mortgage in Illinois Now

ByGustan Cho Posted onOctober 13, 2025October 13, 2025

Preparing for a Mortgage in Illinois: Step-by-Step Guide for Homebuyers Buying a home is one of the biggest financial decisions…

Continue Reading Ready to Buy? Start Preparing for a Mortgage in Illinois NowContinue

Choosing a Loan Officer
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Choosing a Loan Officer With No Mortgage Lender Overlays

ByJohn Strange Posted onOctober 13, 2025October 14, 2025

Why Choosing a Loan Officer Matters More Than You Think Buying a home is a big deal. It should feel…

Continue Reading Choosing a Loan Officer With No Mortgage Lender OverlaysContinue

Mortgage Guidelines on Home Loans
Conventional Loans | Down Payment Assistance | FHA Loans | Home Mortgages | Mortgage Rates | NON-QM Loans | Videos

Mortgage Guidelines on Home Loans Made Easy

ByDale Elenteny Posted onOctober 10, 2025October 14, 2025

The mortgage industry has gone through dramatic shifts over the past few years. From rising interest rates to new loan…

Continue Reading Mortgage Guidelines on Home Loans Made EasyContinue

Home Buying Mistakes
First Time Home Buyers | Home Mortgages | Mortgage Processing And Underwriting | Videos

12 Home Buying Mistakes To Avoid By First-Time Homebuyers

ByApril Ramirez Posted onOctober 10, 2025October 16, 2025

12 Common Home Buying Mistakes and How to Avoid Them in 2025 Buying a home is one of the biggest…

Continue Reading 12 Home Buying Mistakes To Avoid By First-Time HomebuyersContinue

Mortgage Amortization
Mortgage Rates | Mortgage Refinance

Mortgage Amortization: How Home Loans Get Paid Over Time

ByAnngelli Abenes Posted onOctober 10, 2025October 13, 2025

Buying a home is one of the biggest financial decisions most people will ever make — and understanding how your…

Continue Reading Mortgage Amortization: How Home Loans Get Paid Over TimeContinue

How Credit Repair Affects the Mortgage Process
Automated Underwriting System | Credit Disputes | Credit Scores | Mortgage Processing And Underwriting | Videos

How Credit Repair Affects the Mortgage Process Explained

ByGustan Cho Posted onOctober 10, 2025October 13, 2025

How Credit Repair Affects the Mortgage Process: What Borrowers Need to Know Buying a home is one of the most…

Continue Reading How Credit Repair Affects the Mortgage Process ExplainedContinue

VA Loan Eligibility Requirements in Vermont
VA Loans

VA Loan Eligibility Requirements in Vermont

ByAlex Carlucci Posted onOctober 10, 2025October 16, 2025

VA Loan Eligibility Requirements in Vermont (2025 Update) Buying a home in Vermont is more than just owning property—it’s about…

Continue Reading VA Loan Eligibility Requirements in VermontContinue

Illinois DPA Mortgage Programs
First Time Home Buyers

Illinois DPA Mortgage Programs For First Time Home Buyers

ByMike Gracz Posted onOctober 10, 2025October 16, 2025

Illinois DPA Mortgage Programs: Your 2025 Guide to Buying a Home With Little or No Money Down Buying a home…

Continue Reading Illinois DPA Mortgage Programs For First Time Home BuyersContinue

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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

  • Boise Idaho Housing Market
    Boise Idaho Housing Market: Urgent Trends You NeedOctober 16, 2025
  • Green Mortgage
    Green Mortgage: A Guide to Energy-Efficient Home FinancingOctober 15, 2025
  • Changes in Mortgage Lending
    Changes In Mortgage Lending and How It Affects BuyersOctober 15, 2025
  • Buying a Home with a VA Loan
    APR Versus Interest Rate Quoted By Mortgage LendersOctober 15, 2025

DTI Calculators

  • FHA DTI Calculator
  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limit Change – See If You Qualify

Subsidiary Sites

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  • GCA Forum

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Resources

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  • DTI Mortgage Calculator
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  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
  • Contribute To GCA Mortgage Group
  • GCA Approves When Others Can’t
  • Mortgage Guides and Home Loan Options
  • How to Lift a Security Freeze on Your Credit Report
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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