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    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • Why Choose Us
    • Meet Our Team
    • NEXA Career OpportunitiesExpand
      • How To Brand Yourself as a Loan Officer
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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      • Michael Gracz
      • Ronda Butts
      • Trinh Collins
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      • Refinance Mortgage Options
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      • FHA Manual Underwriting
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      • Conventional Loans W-2 Income ONLY Mortgages
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      • Conventional Loan With Judgment
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      • Warrantable Condos
      • Non-Warrantable Condos
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    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
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    • Jumbo Mortgage
    • FHA 203K Loans
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Credit Scores

Home / Credit Scores
How Errors on Credit Reports Affect AUS FINDINGS
Mortgage Processing And Underwriting | Automated Underwriting System | Credit Disputes | Credit Scores | Videos

How Errors on Credit Reports Affect AUS FINDINGS

ByGustan Cho Posted onMarch 18, 2023March 24, 2023

In this guide, we will cover how errors on credit reports affect AUS Findings. One of the most important things…

Continue Reading How Errors on Credit Reports Affect AUS FINDINGSContinue

Why Do Lenders Need Credit Reports and Scores
Credit Scores | Mortgage Processing And Underwriting | Videos

Why Do Lenders Need Credit Reports and Scores

ByGustan Cho Posted onMarch 9, 2023March 24, 2023

In this blog, we will cover why lenders need credit reports and credit scores to get borrowers a mortgage loan…

Continue Reading Why Do Lenders Need Credit Reports and ScoresContinue

Credit Score Needed For Mortgage on Home Loans
Home Mortgage | Credit Scores | FHA Loans | Videos

Credit Score Needed For Mortgage on Home Loans

ByGustan Cho Posted onFebruary 7, 2023February 27, 2023

This blog will cover the credit score needed for mortgage on home loans. We will cover the frequently asked question…

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Credit Scores Increased During Underwriting Process
Credit Scores | Mortgage Processing And Underwriting | Mortgage Rates | Videos

Credit Scores Increased During Underwriting Process

ByGustan Cho Posted onFebruary 6, 2023February 27, 2023

In this article, we will cover credit scores increased during underwriting process. If credit scores increased during underwriting process, the…

Continue Reading Credit Scores Increased During Underwriting ProcessContinue

FHA Loan With Low Credit Scores Mortgage Guidelines
Bad Credit Mortgages | Credit Scores | FHA Loans | Videos

FHA Loan With Low Credit Scores Mortgage Guidelines

ByMike Gracz Posted onDecember 20, 2022January 16, 2023

In this article, we will cover and discuss FHA Loan With Low Credit Scores Mortgage Requirements For 2022. FHA loans…

Continue Reading FHA Loan With Low Credit Scores Mortgage GuidelinesContinue

Qualifying Credit Score For Mortgage Used By Lenders
Home Mortgage | Credit Scores | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Qualifying Credit Score For Mortgage Used By Lenders

ByGustan Cho Posted onDecember 13, 2022January 16, 2023

In this blog, we will cover the qualifying credit score for mortgage used by lenders. The qualifying credit score for…

Continue Reading Qualifying Credit Score For Mortgage Used By LendersContinue

How Underwriters Look at Credit Report vs Credit Scores
Home Mortgage | Credit Disputes | Credit Scores | Videos

How Underwriters Look at Credit Report vs Credit Scores

BySapnaSharma Posted onDecember 13, 2022December 27, 2022

This blog will cover how mortgage underwriters look at credit report vs credit scores. Minimum credit scores are required to…

Continue Reading How Underwriters Look at Credit Report vs Credit ScoresContinue

How I Can Improve Credit For Mortgage Loan Approval
Bad Credit Mortgages | Credit Scores | Re-Establishing Credit | Secured Credit Cards | Videos

How I Can Improve Credit For Mortgage Loan Approval

ByGustan Cho Posted onDecember 12, 2022December 29, 2022

In this blog, we will discuss how I can improve credit for mortgage loan approval. Mortgage loan programs have minimum…

Continue Reading How I Can Improve Credit For Mortgage Loan ApprovalContinue

The Correlation Between Credit Card Balance vs Credit Scores
Re-Establishing Credit | Credit Scores | Mortgage Rates | Videos

The Correlation Between Credit Card Balance vs Credit Scores

ByGustan Cho Posted onDecember 9, 2022December 29, 2022

In this article, we will cover the correlation between credit card balance vs credit scores. There are mortgage guidelines on…

Continue Reading The Correlation Between Credit Card Balance vs Credit ScoresContinue

How To Improve Credit Scores To Qualify For a Mortgage
Re-Establishing Credit | Credit Scores | Secured Credit Cards | Videos

How To Improve Credit Scores To Qualify For a Mortgage

BySapnaSharma Posted onDecember 9, 2022December 29, 2022

This blog will cover how to improve credit scores to qualify for a mortgage. Borrowers’ credit payment history and scores…

Continue Reading How To Improve Credit Scores To Qualify For a MortgageContinue

The Importance of Credit Scores For Home Loans
Credit Scores

The Importance of Credit Scores For Home Loans

ByMike Gracz Posted onNovember 6, 2022December 28, 2022

If you are in the market for a mortgage loan, you know the importance of credit scores for home loans…

Continue Reading The Importance of Credit Scores For Home LoansContinue

Rapid Rescore During Mortgage Process And How It Works
Credit Scores | Videos

Rapid Rescore During Mortgage Process And How It Works

ByGustan Cho Posted onSeptember 19, 2022October 6, 2022

In this blog, we will discuss and cover rapid rescore during mortgage process.  We will cover and discuss how the…

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Credit Scores | VA Loans

VA Loans With Low Credit Scores And Bad Credit Mortgage Guidelines

ByGustan Cho Posted onJuly 29, 2020November 17, 2022

This ARTICLE On VA Loans With Low Credit Scores And Bad Credit Mortgage Guidelines Was PUBLISHED On July 29th, 2020…

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    Gustan Cho Associates are mortgage brokers 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. You can rest assured any owner-occupant primary home, second home, or investment property mortgage loan program in the marketplace, you will find them offered at Gustan Cho Associates Talk to a loan officer today

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      Mortgage Processing and Underwriting Process Leading to CTCMarch 19, 2023
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      What Are My Mortgage Options Buying a House in NevadaMarch 18, 2023
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      Getting Approved For a Mortgage With Outstanding CollectionsMarch 18, 2023

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    • About Us
      • Contact Us
      • Get Pre-Approved
      • Order Credit
      • Why Choose Us
      • Meet Our Team
      • NEXA Career Opportunities
        • How To Brand Yourself as a Loan Officer
      • Preferred Realtor Partner Network
        • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
        • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
      • Loan Officers
        • Kingsley Ifezue
        • Michael Gracz
        • Ronda Butts
        • Trinh Collins
    • Types Of Mortgages
      • Purchase
        • Home Purchase Loans
        • Investment Property Loan
      • Refinance
        • Refinance Mortgage Options
        • Cash-Out Refinance
        • Chapter 13 Bankruptcy Cash-Out-Buyout
        • Rate And Term Refinance
        • 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
      • DACA Mortgage Loans
      • 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
      • Condominium Loans
        • Warrantable Condos
        • Non-Warrantable Condos
        • 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
      • Mortgage Branch Careers
      • Remote Mortgage Loan Officer Career Opportunities
      • How Do I Become A Mortgage Loan Officer
      • MLO Revenue Share Residual Income Career Opportunity
    • Videos
    • Blogs
    • Testimonials
    • Talk To A Loan Officer