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Gustan Cho Associates
  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
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    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
      • Kingsley Ifezue | Licensed Real Estate Broker
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      • Michael Gracz
      • Ronda Butts
      • Rhonda Smith
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustan Cho Associates

Credit Scores

Home / Credit Scores - Page 3
Installment Loans
Credit Scores | Re-Establishing Credit | Videos

Can Installment Loans Help Build Your Credit For a Mortgage

ByGustan Cho Posted onJuly 19, 2023July 25, 2024

This guide covers how installment loans help rebuild your credit to help borrowers qualify for a mortgage. Installment loans can…

Continue Reading Can Installment Loans Help Build Your Credit For a MortgageContinue

Things That Determines Your Mortgage Rates On Home Loans
Mortgage Rates | Credit Scores | Videos

Things That Determines Your Mortgage Rates

ByApril Ramirez Posted onJuly 13, 2023July 25, 2024

This guide covers things that determines your mortgage rates on home loans. Mortgage rates are the interest rates that you…

Continue Reading Things That Determines Your Mortgage RatesContinue

Home Loans With No Credit
Bad Credit Mortgages | Credit Scores | FHA Loans | First Time Home Buyers | Home Mortgage | Re-Establishing Credit | Videos

Home Loans With No Credit Mortgage Guidelines

ByGustan Cho Posted onJuly 13, 2023March 19, 2024

This guide covers applying for and getting approved for home loans with no credit.  We have covered many blogs on…

Continue Reading Home Loans With No Credit Mortgage GuidelinesContinue

Fraudulent Credit Card Charges
Credit Disputes | Credit Scores | Re-Establishing Credit

How To Dispute Fraudulent Credit Card Charges

ByCharlotte Hopper Posted onJuly 12, 2023December 18, 2023

This guide covers frequently asked questions disputing fraudulent credit card charges. We will detail how to avoid and protect yourself…

Continue Reading How To Dispute Fraudulent Credit Card ChargesContinue

Mortgage Approval Without Retracting Credit Disputes
Credit Disputes | Credit Scores | Re-Establishing Credit | Videos

Mortgage Approval Without Retracting Credit Disputes

ByAlex Carlucci Posted onJuly 1, 2023March 4, 2024

This guide covers mortgage approval without retracting credit disputes. HUD, the parent of FHA, does not allow credit disputes on…

Continue Reading Mortgage Approval Without Retracting Credit DisputesContinue

Mortgage Rates On Bad Credit Loans
Bad Credit Mortgages | Credit Scores | Mortgage Rates | Videos

Mortgage Rates on Bad Credit Loans With Low Credit Scores

ByGustan Cho Posted onJune 30, 2023July 25, 2024

This guide covers mortgage rates on bad credit score loans. Are mortgage rates on bad credit loans higher? Having bad…

Continue Reading Mortgage Rates on Bad Credit Loans With Low Credit ScoresContinue

Errors on Credit Reports
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, 2023July 24, 2024

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

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

Credit Score Needed For Mortgage on Home Loans

ByGustan Cho Posted onFebruary 7, 2023July 24, 2024

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

Continue Reading Credit Score Needed For Mortgage on Home LoansContinue

Lowest Credit Score Allowed For Mortgage Approvals depends on the individual loan program
Bad Credit Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Lowest Credit Score Allowed For Mortgage Approvals

ByGustan Cho Posted onJanuary 9, 2023October 9, 2024

This guide covers what is the lowest credit score allowed for mortgage approvals. The team at Gustan Cho Associates gets…

Continue Reading Lowest Credit Score Allowed For Mortgage ApprovalsContinue

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, 2022July 23, 2024

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

The Importance of Credit Scores For Home Loans
Credit Scores

The Importance of Credit Scores For Home Loans

ByMike Gracz Posted onNovember 6, 2022July 23, 2024

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

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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

  • Home Loan with Recent Late Payments
    Home Loan With Recent Late Payments Mortgage GuidelinesDecember 19, 2024
  • Liabilities in Mortgage Qualification
    How Do Underwriters View Liabilities In Mortgage QualificationDecember 19, 2024
  • Manual Underwriting During Chapter 13
    Manual Underwriting During Chapter 13 Mortgage ProcessDecember 19, 2024
  • Mortgage with High DTI
    Mortgage With High DTI Guidelines On Home LoansDecember 18, 2024

DTI Calculators

  • FHA DTI Calculator
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  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limits

Subsidiary Sites

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  • GCA Mortgage Group
  • GCA Forum

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Resources

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  • FICO Simulator
  • MLO License School
  • DTI Mortgage Calculator
  • Documents Required For Mortgage Process
  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
  • Contribute To GCA Mortgage Group
  • GCA Approves When Others Can’t
  • Mortgage Guides and Home Loan Options
  • How To Un-Freeze a Credit File?
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
    • Preferred Realtor Partner Network
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
      • Kingsley Ifezue | Licensed Real Estate Broker
    • Loan Officers
      • Michael Gracz
      • Ronda Butts
      • Rhonda Smith
  • 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
    • 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
    • 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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