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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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Conventional Loans

Home / Conventional Loans - Page 2
Mortgage Included in Chapter 7 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Conventional Loans | Videos

Fannie Mae Mortgage Included in Chapter 7 Bankruptcy

ByDale Elenteny Posted onJuly 3, 2024August 30, 2024

In this article, we will cover and discuss getting approved for a new home loan after having a prior mortgage…

Continue Reading Fannie Mae Mortgage Included in Chapter 7 BankruptcyContinue

Freddie Mac No Credit Score Mortgage
Conventional Loans | Freddie Mac HomeOne

Freddie Mac No Credit Score Mortgage Guidelines

ByAnngelli Abenes Posted onJuly 3, 2024July 4, 2024

This Article Is About Freddie Mac No Credit Score Mortgage Guidelines Occasionally, borrowers may have to opt for conventional loans…

Continue Reading Freddie Mac No Credit Score Mortgage GuidelinesContinue

Home Loan With Bad Credit In Indiana
Bad Credit Mortgages | Conventional Loans | FHA Loans | VA Loans | Videos

Home Loan With Bad Credit In Indiana With No Overlays

ByGustan Cho Posted onJune 24, 2024August 30, 2024

This article concerns securing a home loan with bad credit in Indiana with no overlays. Indiana home values are skyrocketing…

Continue Reading Home Loan With Bad Credit In Indiana With No OverlaysContinue

FHA Versus Conventional Mortgage Rates
Conventional Loans | FHA Loans | Mortgage Rates | Videos

FHA Versus Conventional Mortgage Rates

ByGustan Cho Posted onJune 21, 2024August 30, 2024

This guide covers FHA versus conventional mortgage rates on purchase and refinances transactions. One of the most common questions the…

Continue Reading FHA Versus Conventional Mortgage RatesContinue

HUD Cash-Out Mortgage Guidelines
Mortgage Refinance | Conventional Loans | FHA Loans | Refinancing

HUD Cash-Out Mortgage Guidelines on FHA Loans

ByGustan Cho Posted onJune 11, 2024August 30, 2024

This blog will cover and discuss HUD Cash-Out Mortgage Guidelines on FHA loans for 2024. Home values are rising across…

Continue Reading HUD Cash-Out Mortgage Guidelines on FHA LoansContinue

Fannie Mae-Freddie Mac Exempt Debt Guidelines
Conventional Loans | High Debt To Income Ratio | Videos

Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional Loans

ByAnngelli Abenes Posted onJune 7, 2024February 19, 2025

There are certain debts that can be exempt from debt to income ratio calculations on conventional loans.

Continue Reading Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional LoansContinue

FHA Versus Conforming Mortgages
Home Mortgages | Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Comparing FHA Versus Conforming Mortgages

ByGustan Cho Posted onJune 5, 2024August 30, 2024

This guide compares FHA versus conforming mortgages, the two most popular mortgage loan programs for homebuyers in the United States….

Continue Reading Comparing FHA Versus Conforming MortgagesContinue

Conventional Loan After Short Sale vs Foreclosure
Bad Credit Mortgages | Conventional Loans | video

Conventional Loan After Short Sale vs Foreclosure Guidelines

ByGustan Cho Posted onJune 3, 2024August 30, 2024

This  guide covers conventioal loan after short sale vs foreclosure guidelines. Since 2008, millions of Americans have witnessed their equity…

Continue Reading Conventional Loan After Short Sale vs Foreclosure GuidelinesContinue

Second Home Guidelines
Conventional Loans | NON-QM Loans | Second Homes | Videos

Second Home Guidelines on Non-QM and Conventional Loans

ByGustan Cho Posted onMay 30, 2024August 29, 2024

This guide covers second home guidelines on non-QM and conventional loans. Second-home financing is different than investment properties. Homebuyers are…

Continue Reading Second Home Guidelines on Non-QM and Conventional LoansContinue

Freddie Mac Part-Time Income Mortgage Guidelines
Income And Employment | Conventional Loans | Gaps In Employment | Videos

Freddie Mac Part-Time Income Mortgage Guidelines

ByAnngelli Abenes Posted onMay 20, 2024August 28, 2024

This guide explores the updated Freddie Mac part-time income mortgage guidelines for 2024. The new year has introduced significant changes…

Continue Reading Freddie Mac Part-Time Income Mortgage GuidelinesContinue

Reaffirming Home Loan After Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Conventional Loans | Videos

Reaffirming Home Loan After Bankruptcy Mortgage Guidelines

ByAnngelli Abenes Posted onMay 13, 2024August 28, 2024

In this article, we’ll talk about reaffirming home loan after bankruptcy, a frequently inquired topic. Milwaukee-based Attorney James Miller of…

Continue Reading Reaffirming Home Loan After Bankruptcy Mortgage GuidelinesContinue

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

ByDale Elenteny Posted onMay 12, 2024August 28, 2024

This guide covers changes in mortgage guidelines on home loans and year-end recap. 2023 was a tough year for the…

Continue Reading Mortgage Guidelines on Home LoansContinue

Sacramento California Home Purchase With Bad Credit And Low Scores
Conventional Loans | FHA Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Sacramento California Home Purchase With Bad Credit

ByAlex Carlucci Posted onMay 4, 2024August 23, 2024

This guide covers Sacramento California home purchase with bad credit and credit scores down to 500 FICO. Sacramento is the…

Continue Reading Sacramento California Home Purchase With Bad CreditContinue

Fannie Mae vs HUD Guidelines on Prior Mortgage in Bankruptcy
Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Fannie Mae vs HUD Guidelines Mortgage in Bankruptcy

ByGustan Cho Posted onMay 2, 2024August 23, 2024

If you have a mortgage included in a bankruptcy, the waiting period guidelines are more favorable on conventional versus FHA loans

Continue Reading Fannie Mae vs HUD Guidelines Mortgage in BankruptcyContinue

High-Balance Mortgage Loans
Conventional Loans | FHA Loans | High-Balance Mortgage Loans | Jumbo Loans | VA Loans | Videos

FHA and Conforming High-Balance Mortgage Loans

ByAnngelli Abenes Posted onApril 29, 2024August 23, 2024

Traversing the landscape of mortgage loans can be an intricate voyage, presenting many options tailored to meet diverse financial requirements….

Continue Reading FHA and Conforming High-Balance Mortgage LoansContinue

What Is PMI
Mortgage Insurance | Conventional Loans | Videos

What Is PMI on Conventional Loans

ByAlex Carlucci Posted onApril 29, 2024August 23, 2024

This guide covers what is PMI on conventional loans. What Is PMI? One of the most common questions I often…

Continue Reading What Is PMI on Conventional LoansContinue

Freddie Mac HomeOne Conventional Loan Guidelines On Purchases
Conventional Loans | Freddie Mac HomeOne | video | Videos

Freddie Mac HomeOne Mortgage Loan Program

ByAlex Carlucci Posted onApril 24, 2024April 24, 2024

In this blog, we will cover the Freddie Mac HomeOne Mortgage Loan Program. Fannie Mae and Freddie Mac are the…

Continue Reading Freddie Mac HomeOne Mortgage Loan ProgramContinue

Fannie Mae Bankruptcy Guidelines
Mortgage After Bankruptcy and Foreclosure | Conventional Loans | video

Fannie Mae Bankruptcy Guidelines on Conventional Loans

ByMargarett Jurilla Posted onApril 17, 2024October 8, 2024

As per the Fannie Mae Bankruptcy Guidelines for conventional loans, borrowers must follow a mandatory waiting period after filing for…

Continue Reading Fannie Mae Bankruptcy Guidelines on Conventional LoansContinue

Freddie Mac Asset Depletion
Conventional Loans | NON-QM Loans | Videos

Freddie Mac Asset Depletion Mortgage Lending Guidelines

ByGustan Cho Posted onApril 17, 2024January 22, 2025

Can you get a Freddie Mac mortgage if you have lots of investments or savings but little or no income? In many cases, you can convert assets into income (for mortgage qualifying purposes) by using asset depletion.

Continue Reading Freddie Mac Asset Depletion Mortgage Lending GuidelinesContinue

Refinancing NON-QM Loans to Traditional Mortgages
Videos | Conventional Loans | FHA Loans | NON-QM Loans | Refinancing | video

Refinancing NON-QM Loans To Traditional Mortgages

ByGustan Cho Posted onMarch 29, 2024October 22, 2024

In this blog, we will discuss and cover refinancing non-QM loans to government and conventional mortgages. Refinancing NON-QM loans to…

Continue Reading Refinancing NON-QM Loans To Traditional MortgagesContinue

Qualifying For Conventional Loan After Foreclosure
Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

Qualifying For Conventional Loan After Foreclosure

ByMargarett Jurilla Posted onMarch 28, 2024August 15, 2024

Qualifying for a conventional loan after foreclosure presents more challenges than government loans. However, homebuyers can qualify for a conventional…

Continue Reading Qualifying For Conventional Loan After ForeclosureContinue

How Do I Qualify For a Mortgage Loan
Home Mortgages | Conventional Loans | FHA Loans | First Time Home Buyers | Qualifying & Getting Pre-approved | Videos

How Do I Qualify For a Mortgage and Get Approved

ByGustan Cho Posted onMarch 25, 2024August 15, 2024

This guide covers the frequently asked question how do I qualify for a mortgage loan and get approved. Mortgage lenders…

Continue Reading How Do I Qualify For a Mortgage and Get ApprovedContinue

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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

  • Bankruptcy or Foreclosure
    What’s Worse: Foreclosure or Bankruptcy?April 3, 2025
  • Steps in the Underwriting Process
    Steps In The Underwriting Process By Mortgage LendersApril 3, 2025
  • AUS Approval on Conventional Loans
    AUS Approval On Conventional Loans Versus Refer/EligibleApril 1, 2025
  • Buying a Home With a Well and Septic
    Easy Guide to Buying a Home with a Well and SepticMarch 31, 2025

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Equal Housing Opportunity Lender Gustan Cho Associates empowered by NEXA Mortgage LLC. NMLS# 1660690,
Corporate Address: 3100 Ray Road Suite 201 Office # 209 | Chandler AZ 85226 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
      • 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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