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Gustan Cho Associates
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    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
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      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
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Call or Text: (800) 900-8569

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Gustancho Associates

Conventional Loans

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

Preparing To Qualify For Conventional Loans

ByGustan Cho Posted onMarch 4, 2025March 5, 2025

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

Continue Reading Preparing To Qualify For Conventional LoansContinue

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, 2025February 19, 2025

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

Continue Reading Conventional Loan With Bad Credit And Low Credit ScoresContinue

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, 2025April 8, 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…

Continue Reading Fannie Mae Guidelines on Second Homes: What to KnowContinue

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, 2024December 18, 2024

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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Freddie Mac CHOICERenovation
Conventional Loans | Home Improvement/Renovations | HomeReady | One-Time Close Construction Loans | Videos

Freddie Mac CHOICERenovation Mortgage Guidelines

ByMike Gracz Posted onNovember 27, 2024May 13, 2025

Freddie Mac’s CHOICERenovation mortgage might be the best home improvement loan for larger renovation projects.  You can use a Freddie Mac CHOICERenovation home to purchase or refinance a home.

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Freddie Mac GreenChoice
Conventional Loans

Freddie Mac GreenChoice Conventional Mortgage Loan Program

ByMike Gracz Posted onNovember 25, 2024May 14, 2025

Freddie Mac GreenChoice: Your Guide to Energy-Efficient Homeownership in 2024 The home buying process is constantly evolving, and Freddie Mac…

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97 LTV Conventional Versus FHA Loans
Conventional Loans | FHA Loans | Videos

Comparison of 97 LTV Conventional Versus FHA Loans

ByGustan Cho Posted onNovember 14, 2024May 15, 2025

97 LTV Conventional Versus FHA Loans: Which One Is Right for You? If you’re like most first-time homebuyers, one of…

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Freddie Mac Mortgage Guidelines
Conventional Loans | Student Loans | Videos

Freddie Mac Mortgage Guidelines on Conventional Loans

ByGustan Cho Posted onNovember 13, 2024May 15, 2025

Guide to Freddie Mac Mortgage Guidelines for 2024: Your Path to Homeownership or Refinancing Are you ready to own a…

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Freddie Mac Home Possible
Conventional Loans | Home Possible

Freddie Mac Home Possible Mortgage Guidelines

ByAlex Carlucci Posted onNovember 4, 2024May 19, 2025

Freddie Mac Home Possible Mortgage: Your Key to Low Down Payment Homeownership in 2024 Are you dreaming of owning a…

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Boarder Income Mortgage Guidelines
Income And Employment | Conventional Loans | FHA Loans | HomeReady

Boarder Income Mortgage Guidelines You Need to Know Now

ByMike Gracz Posted onOctober 30, 2024May 19, 2025

Boarder Income Mortgage Guidelines for 2024: Boosting Your Income to Buy or Refinance a Home Are you wondering if the…

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Second Home Loans
Second Homes | Bank Statement Loans | Conventional Loans | NON-QM Loans | Videos

Second Home Loans: Easy Guide to Get Started Today

ByGustan Cho Posted onOctober 25, 2024May 20, 2025

Everything You Need to Know About Second Home Loans in 2024 Are you thinking of buying a second home? Maybe…

Continue Reading Second Home Loans: Easy Guide to Get Started TodayContinue

Conforming Loan Requirements
Conventional Loans | Videos

Conforming Loan Requirements: What You Need to Know

ByGustan Cho Posted onOctober 23, 2024May 20, 2025

Conforming Loan Requirements: 2024 Guide for Homebuyers and Refinancers If you’re thinking about buying a home or refinancing your current…

Continue Reading Conforming Loan Requirements: What You Need to KnowContinue

Debt-To-Income Ratio For Conventional Loan Guidelines
Conventional Loans | High Debt To Income Ratio | Videos

What is the Debt-To-Income Ratio For Conventional Loan

ByAnngelli Abenes Posted onSeptember 24, 2024May 20, 2025

This guide covers all about Debt-To-Income Ratio for Conventional Loan: Your 2024 Guide to Homeownership with conventional loans: Are you…

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FHA Guidelines on DTI and Student Loans
Student Loans | Conventional Loans | FHA Loans | Videos

Impact of FHA Guidelines on DTI and Student Loans Explained

ByAnngelli Abenes Posted onAugust 6, 2024May 23, 2025

Struggling with student loan debt can often feel like attempting to run a marathon with a heavy backpack, particularly when…

Continue Reading Impact of FHA Guidelines on DTI and Student Loans ExplainedContinue

Conventional Loans Versus FHA Loans
Conventional Loans | FHA Loans | Videos

Conventional Loans Versus FHA Loans: Which One is Best?

ByAnngelli Abenes Posted onJuly 22, 2024September 4, 2024

If you’re considering buying a house and need a loan, getting the lowdown on the main types of loans is…

Continue Reading Conventional Loans Versus FHA Loans: Which One is Best?Continue

What Is Required on a Non-Occupying Co-Borrower
Non-Occupant Co-Borrowers | Conventional Loans | FHA Loans | Videos

What Is Required on a Non-Occupying Co-Borrower

ByAnngelli Abenes Posted onJuly 15, 2024February 9, 2025

When it comes to getting home loans, buyers sometimes need extra support to qualify for their dream home. This is…

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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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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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