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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

Clear To Close

Home / Clear To Close
Mortgage Process After the Conditional Approval
Clear To Close | Conditional Loan Approval | Mortgage Processing And Underwriting | Videos

Mortgage Process After The Conditional Approval

ByGustan Cho Posted onFebruary 24, 2025February 25, 2025

The Mortgage Process After the Conditional Approval: What Happens Next? The mortgage process after the conditional approval is one of…

Continue Reading Mortgage Process After The Conditional 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

Cash To Close And Seasoned Funds For Closing
Mortgage Processing And Underwriting | Clear To Close | Letter Of Explanation

Cash To Close and Seasoned Funds For Closing by Borrower

ByGustan Cho Posted onNovember 7, 2024May 19, 2025

Cash to Close and Seasoned Funds for Closing: Your 2024 Guide to a Smooth Home Purchase When you’re ready to…

Continue Reading Cash To Close and Seasoned Funds For Closing by BorrowerContinue

Clear to Close in 2 Weeks or Less
Clear To Close | Mortgage Processing And Underwriting | Videos

Clear To Close In 2 Weeks or Less Mortgage Process

ByGustan Cho Posted onNovember 4, 2024May 19, 2025

Clear to Close in 2 Weeks or Less: Here’s How to Fast-Track Your Mortgage Approval At Gustan Cho Associates, we…

Continue Reading Clear To Close In 2 Weeks or Less Mortgage ProcessContinue

VA Simultaneous Home Closings
VA Loans | Clear To Close

Fast Track Your Move with VA Simultaneous Home Closings

ByMike Gracz Posted onOctober 28, 2024May 19, 2025

VA Simultaneous Home Closings with No Overlays: 2024 Guide to Buying Your Next Home Are you considering buying a new…

Continue Reading Fast Track Your Move with VA Simultaneous Home ClosingsContinue

Home Loan Closings
Clear To Close | Mortgage Processing And Underwriting | Videos

Ways to Avoid Stress and Delays in Home Loan Closings

ByGustan Cho Posted onOctober 21, 2024May 20, 2025

How to Avoid Stress and Delays in Home Loan Closings (Updated for 2024) Buying a home is one of the…

Continue Reading Ways to Avoid Stress and Delays in Home Loan ClosingsContinue

Mortgage Rate Lock
Clear To Close | Mortgage Rates | Videos

Mortgage Rate Lock Versus Floating Rate

ByGustan Cho Posted onJune 21, 2024June 5, 2025

This article covers the mortgage rate lock process and how to decide when to lock in a mortgage. You cannot…

Continue Reading Mortgage Rate Lock Versus Floating RateContinue

Final Walk-Through Prior To Home Closing
Home Purchase | Clear To Close | Videos

Why Do You Do a Final Walk-Through Prior To Home Closing

ByAlex Carlucci Posted onJune 20, 2024June 5, 2025

In this article, we will cover and discuss the final walk-through prior to home closing. A Final Walk-Through Prior To…

Continue Reading Why Do You Do a Final Walk-Through Prior To Home ClosingContinue

First Time Home Buying Process
Bad Credit Mortgages | Clear To Close | Home Purchase | Qualifying & Getting Pre-approved

First Time Home Buying Process Starts With Pre-Approval

ByGustan Cho Posted onJune 3, 2024June 11, 2025

This article discusses the first time home buying process, emphasizing that it starts with pre-approval. The initial step for those…

Continue Reading First Time Home Buying Process Starts With Pre-ApprovalContinue

Clear-to-Close on FHA Loans
Clear To Close | Conditional Loan Approval | FHA Loans | Videos

What Does a Clear-to-Close on FHA Loans Mean?

ByAnngelli Abenes Posted onMay 10, 2024June 13, 2025

This guide covers what a clear-to-close on FHA loans means. What does a clear-to-close on FHA loans mean for borrowers?…

Continue Reading What Does a Clear-to-Close on FHA Loans Mean?Continue

Closing On Your New Home
Mortgage Processing And Underwriting | Clear To Close | Conditional Loan Approval

Closing on Your New Home In 21 Days From Application To CTC

ByAnngelli Abenes Posted onMay 9, 2024June 16, 2025

This blog will cover closing on your new home in 21 days from application to CTC.  Closing on your new…

Continue Reading Closing on Your New Home In 21 Days From Application To CTCContinue

Verified Assets For Home Loan
Clear To Close | Home Purchase | video

How Mortgage Underwriters Consider Verified Assets For Home Loan

ByAnngelli Abenes Posted onMay 8, 2024June 16, 2025

When applying for a mortgage loan, homebuyers must present verified assets for home loan to the lender. Verified assets include…

Continue Reading How Mortgage Underwriters Consider Verified Assets For Home LoanContinue

Delays in Mortgage Loan Closings
Mortgage Processing And Underwriting | Clear To Close | Videos

How to Avoid Delays in Mortgage Loan Closings

ByAlex Carlucci Posted onApril 15, 2024August 19, 2024

This guide covers how to avoid delays in mortgage loan closings. When homebuyers enter a real estate purchase contract, the…

Continue Reading How to Avoid Delays in Mortgage Loan ClosingsContinue

Documents Required For Mortgage
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Documents Required For Mortgage Processing and Underwriting

ByDale Elenteny Posted onApril 4, 2024August 16, 2024

This guide covers documents required for mortgage processing and underwriting. All documents required for mortgage processing and underwriting needs to…

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Acceptable Sources of Verifiable Funds for Closing
Clear To Close | Mortgage Processing And Underwriting | Proof of Funds | Videos

Acceptable Sources of Verifiable Funds for Closing

ByMike Gracz Posted onMarch 28, 2024August 15, 2024

In this blog, we will cover and discuss the acceptable sources of verifiable funds for closing. With the majority of…

Continue Reading Acceptable Sources of Verifiable Funds for ClosingContinue

Clearing Conditions for Clear to Close
Clear To Close | Conditional Loan Approval | Videos

Clearing Conditions For Clear To Close on Home Purchase

ByLaurie Cho Posted onMarch 26, 2024August 15, 2024

This guide covers clearing conditions for clear to close on home purchases. Once mortgage borrowers have signed the mortgage application…

Continue Reading Clearing Conditions For Clear To Close on Home PurchaseContinue

Saving Money on Mortgage
Clear To Close | Down Payment Assistance | FHA Loans | Qualifying & Getting Pre-approved | Videos

Saving Money on Mortgage Interest and Closing Costs

ByGustan Cho Posted onMarch 24, 2024August 14, 2024

This  guide covers saving money on mortgage on home purchase and refinance loans. A home purchase is a very happy…

Continue Reading Saving Money on Mortgage Interest and Closing CostsContinue

Lender Credit and Sellers Concessions
Clear To Close | Home Purchase | Home Sellers | Videos

Lender Credit and Sellers Concessions For Closing Costs

ByAnngelli Abenes Posted onMarch 6, 2024August 8, 2024

This blog will explore the concepts of lender credit and seller concessions about closing costs. When securing a home purchase…

Continue Reading Lender Credit and Sellers Concessions For Closing CostsContinue

Things That Can Delay Your Mortgage Loan Closing
Videos | Clear To Close | Mortgage Processing And Underwriting

Things That Can Delay Your Mortgage Loan Closing

ByGustan Cho Posted onFebruary 21, 2024June 11, 2024

This guide covers things that can delay your mortgage loan closing. A mortgage loan should be able to close in…

Continue Reading Things That Can Delay Your Mortgage Loan ClosingContinue

Getting Faster Mortgage Approvals
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Getting Faster Mortgage Approvals and Closing on Time

ByGustan Cho Posted onFebruary 16, 2024August 6, 2024

Borrowers should not stress during the mortgage process. . There is no reason why there should be stress during the mortgage process.

Continue Reading Getting Faster Mortgage Approvals and Closing on TimeContinue

Steps in Mortgage Process
Clear To Close | Mortgage Processing And Underwriting | Videos

Steps in Mortgage Process For Closing Home Loan on Time

ByGustan Cho Posted onFebruary 16, 2024August 6, 2024

This guide covers the steps in mortgage process for closing home loan on time. Homebuyers looking to purchase a new…

Continue Reading Steps in Mortgage Process For Closing Home Loan on TimeContinue

Underwriters Conditions
Mortgage Processing And Underwriting | Clear To Close | Videos

Clearing Underwriters Conditions To Submit For Clear To Close

ByLaurie Cho Posted onFebruary 6, 2024August 5, 2024

In this guide, we address underwriters conditions to pave the way for a clear-to-close submission. Whether individuals seek approval for…

Continue Reading Clearing Underwriters Conditions To Submit For Clear To CloseContinue

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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

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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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