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Gustan Cho Associates
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    • Contact Us
    • Get Pre-Approved
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    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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      • Conventional Loans W-2 Income ONLY Mortgages
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Conventional Loans

Home / Conventional Loans
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…

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Fannie Mae Guidelines on Mortgage After Foreclosure
Videos | Conventional Loans

Fannie Mae Guidelines On Mortgage After Foreclosure

ByAlex Carlucci Posted onAugust 12, 2025August 15, 2025

Fannie Mae Guidelines on Mortgage After Foreclosure in 2025: How to Qualify Again Fast If you’ve been through a foreclosure,…

Continue Reading Fannie Mae Guidelines On Mortgage After ForeclosureContinue

FHFA increases conventional loan limit
Conventional Loans | Videos

FHFA Increases Conventional Loan Limit for 2025

ByGustan Cho Posted onAugust 12, 2025August 13, 2025

This guide covers FHFA increases conventional loan limit for 2025 to $806,500 in standard median priced areas and $1,209,750 in…

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HomeReady Versus Home Possible
Conventional Loans | Down Payment Assistance | Home Possible | HomeReady | Videos

HomeReady Versus Home Possible Mortgage Guidelines

ByAlex Carlucci Posted onAugust 12, 2025August 13, 2025

HomeReady Versus Home Possible in 2025: Which Loan Is Best for You? If you’re looking for a mortgage and don’t…

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Sacramento California Home Purchase
Conventional Loans | FHA Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Sacramento California Home Purchase With Bad Credit

ByAlex Carlucci Posted onAugust 7, 2025August 8, 2025

Sacramento California Home Purchase: 2025 Mortgage Guide for All Buyers Buying a home is a big decision; if you’re looking…

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Fannie Mae HomeStyle Mortgage
Conventional Loans | Home Improvement/Renovations | Home Mortgages | Videos

Fannie Mae HomeStyle Mortgage: One Loan, Big Makeover

ByGustan Cho Posted onAugust 6, 2025August 8, 2025

Fannie Mae HomeStyle Mortgage: 2025 Guide to Renovate or Remodel With One Loan Have you been dreaming of a new…

Continue Reading Fannie Mae HomeStyle Mortgage: One Loan, Big MakeoverContinue

Conventional Loans With Derogatory Credit
Conventional Loans

Conventional Loans With Derogatory Credit Are Possible

ByGustan Cho Posted onAugust 5, 2025August 6, 2025

Conventional Loans with Derogatory Credit: How to Qualify and Get Approved If you have had past credit problems, such as…

Continue Reading Conventional Loans With Derogatory Credit Are PossibleContinue

Conforming Loan Underwriting Guidelines
Conventional Loans | Automated Underwriting System | Videos

Conforming Loan Underwriting Guidelines for Quick Approval

ByGustan Cho Posted onJuly 25, 2025August 21, 2025

Conforming Loan Underwriting Guidelines: What You Need To Know in 2025 If you’re considering buying a home and want a…

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Escrow Account Mortgage Guidelines
Conventional Loans | FHA Loans | Home Mortgages | Videos

Escrow Account Mortgage Guidelines on Home Mortgage Loans

ByJohn Strange Posted onJuly 15, 2025July 17, 2025

This article covers escrow account mortgage guidelines and requirements.  Lenders conduct periodic escrow analyses to ensure that the account balance…

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Waiting Period After Mortgage Part Of Bankruptcy Guidelines
Conventional Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Waiting Period After Mortgage Part of Bankruptcy Guidelines

ByGustan Cho Posted onJuly 10, 2025July 11, 2025

This guide covers the Fannie Mae guidelines on conventional loans with a waiting period after mortgage part of bankruptcy. Many…

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Preparing to Qualify for Conventional Loans
Home Mortgages | Conventional Loans | Student Loans | Videos

Preparing To Qualify For Conventional Loans

ByGustan Cho Posted onJuly 8, 2025July 9, 2025

Preparing to Qualify for Conventional Loans: Your Step-by-Step Guide to Homeownership Are you ready to buy a home but unsure…

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Front-End Debt-To-Income Ratios
Videos | Conventional Loans | FHA Loans | NON-QM Loans | Refinancing | video

Refinancing NON-QM Loans To Traditional Mortgages

ByGustan Cho Posted onJuly 1, 2025July 2, 2025

Refinancing Non-QM Loans: How to Lower Your Rate and Save More If you took out a Non-QM loan to buy…

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Credit Requirements
Home Mortgages | Conventional Loans | Credit Scores | FHA Loans | NON-QM Loans | VA Loans

Credit Requirements Needed To Get Approved For A Mortgage

ByAlex Carlucci Posted onJune 20, 2025June 23, 2025

Credit Requirements: What You Need to Know to Get a Mortgage If you’re planning to buy a home, one of…

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Oceanfront Homes in Puerto Rico
Condominium Loans | Condotel and Non-Warrantable Condos | Conventional Loans | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Investing in Oceanfront Homes in Puerto Rico

ByApril Ramirez Posted onMarch 27, 2025March 31, 2025

The Ultimate Guide to Buying Oceanfront Homes in Puerto Rico (2025 Update) Picture starting your day with waves breaking against…

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Conventional Loan With Bad Credit And Low Credit Scores
Conventional Loans

Conventional Loan With Bad Credit And Low Credit Scores

ByGustan Cho Posted onFebruary 19, 2025August 27, 2025

This guide covers qualifying for conventional loan with bad credit and low credit scores. Conventional loans are called conforming loans…

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Conventional Loan Collection Accounts Guidelines
Collection Accounts | Conventional Loans | Videos

Conventional Loan Collection Accounts Guidelines

ByGustan Cho Posted onFebruary 18, 2025April 7, 2025

Conventional Loan Collection Accounts Guidelines: 2025 Updates If you have collection accounts on your credit report and want to buy…

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Fannie Mae Guidelines On Timeshare Foreclosure
Timeshare | Bankruptcy | Conventional Loans | Videos

Fannie Mae Guidelines On Timeshare Foreclosure

ByGustan Cho Posted onFebruary 18, 2025July 23, 2025

Fannie Mae Guidelines on Timeshare Foreclosure: What Borrowers Need to Know in 2025 Can you get a mortgage after a…

Continue Reading Fannie Mae Guidelines On Timeshare ForeclosureContinue

Fannie Mae Guidelines On Second Homes
Second Homes | Conventional Loans | First Time Home Buyers | Videos

Fannie Mae Guidelines on Second Homes: What to Know

ByGustan Cho Posted onJanuary 28, 2025January 30, 2025

Fannie Mae Guidelines on Second Homes: What You Need to Know in 2025 Thinking about buying a second home? Here’s…

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Freddie Mac Bankruptcy Guidelines on Conventional Loans
Conventional Loans | Bankruptcy | Mortgage After Bankruptcy and Foreclosure | NON-QM Loans

Freddie Mac Bankruptcy Guidelines on Conventional Loans

ByGustan Cho Posted onJanuary 17, 2025January 20, 2025

In this blog, we will discuss and cover Freddie Mac bankruptcy guidelines on conventional loans. Mortgage borrowers can qualify for…

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Conventional Loan After Short Sale
Mortgage After Bankruptcy and Foreclosure | Conventional Loans | Videos

Conventional Loan After Short Sale Mortgage Guidelines

ByGustan Cho Posted onJanuary 10, 2025January 14, 2025

Conventional Loan After Short Sale: Your Guide to Getting Back on Track Life can throw curveballs, and for many homeowners,…

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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….

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PMI on Conventional Loans
Mortgage Insurance | Conventional Loans | Videos

PMI on Conventional Loans With Higher Than 80% LTV

ByGustan Cho Posted onDecember 17, 2024August 21, 2025

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

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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

  • Mortgage Loan Programs for Homebuyers
    Easy Mortgage Loan Programs for Homebuyers With Bad CreditAugust 29, 2025
  • Mortgage with High Student Loan Debt
    Qualifying for Mortgage with High Student Loan DebtsAugust 28, 2025
  • 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

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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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