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Gustan Cho Associates
  • About UsExpand
    • 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
    • Loan OfficersExpand
      • Kingsley Ifezue
      • Michael Gracz
      • Ronda Butts
      • Trinh Collins
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • Warrantable Condos
      • Non-Warrantable Condos
      • Condotel Financing
    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
    • Commercial Loans
  • CareersExpand
    • Can Realtors Be MLOs At The Same Time
    • Career OpportunitiesExpand
      • 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
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustan Cho Associates

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What Are My Mortgage Options Buying a House in Nevada
Bad Credit Mortgages | FHA Loans | First Time Home Buyers | Home Mortgage | Mortgage Rates | Videos

What Are My Mortgage Options Buying a House in Nevada

ByGustan Cho Posted onMarch 18, 2023March 24, 2023

This guide will cover getting approved when buying a house in Nevada. The housing market has cooled off throughout the…

Continue Reading What Are My Mortgage Options Buying a House in NevadaContinue

FHA Mortgage Insurance Premiums Guidelines on FHA Loans
Mortgage Insurance | FHA Loans | Videos

FHA Mortgage Insurance Premiums Guidelines on FHA Loans

ByAlex Carlucci Posted onFebruary 21, 2023March 1, 2023

Breaking news on FHA mortgage insurance premiums. There is a one-time FHA mortgage insurance premium and a lifetime annual FHA…

Continue Reading FHA Mortgage Insurance Premiums Guidelines on FHA LoansContinue

FHA Guidelines on Buying House Flips For Home Buyers
House Flipping | Conventional Loans | FHA Loans | Videos

FHA Guidelines on Buying House Flips For Home Buyers

ByGustan Cho Posted onFebruary 12, 2023March 10, 2023

This guide will cover the FHA guidelines on buying house flips for homebuyers. The following paragraph will cover the FHA…

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FHA DTI Ratios on Manual Underwrites Mortgage Guidelines
FHA Loans | Manual Underwriting | Videos

FHA DTI Ratios on Manual Underwrites Mortgage Guidelines

ByGustan Cho Posted onFebruary 10, 2023February 10, 2023

This blog will cover the FHA DTI ratios on manual underwrites mortgage guidelines. The main difference between manual versus automated…

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HUD CAIVRS Guidelines on FHA Loans
Collection Accounts | FHA Loans | Videos

HUD CAIVRS Guidelines on FHA Loans

ByGustan Cho Posted onFebruary 9, 2023February 10, 2023

This article will cover HUD CAIVRS Guidelines on FHA loans when taking out a mortgage. Consider mortgage loans backed by…

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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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FHA Two-To-Four Unit Multi-Family Purchase Guidelines
Muti-Family Investment | FHA Loans | Videos

FHA Two-To-Four Unit Multi-Family Purchase Guidelines

ByGustan Cho Posted onFebruary 1, 2023February 3, 2023

In this article, we will cover FHA’s two-to-four-unit multi-family purchase guidelines. Homebuyers can qualify for an FHA owner-occupant multi-family purchase…

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FHA Guidelines on Mortgage After Loan Modification
FHA Loans | Loan Modification | Videos

FHA Guidelines on Mortgage After Loan Modification

ByGustan Cho Posted onJanuary 31, 2023January 31, 2023

In this blog, we will cover FHA guidelines on mortgage after loan modification. FHA Guidelines on Mortgage After Loan Modification…

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FHA Guidelines on Gift Funds Mortgage Requirements
FHA Loans | Videos

FHA Guidelines on Gift Funds Mortgage Requirements

ByGustan Cho Posted onJanuary 28, 2023February 3, 2023

This article will cover FHA guidelines on gift funds mortgage requirements on home purchase transactions. We will also discuss changes…

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Mortgage Guidelines on Late Payments in the Past 12 Months
Bad Credit Mortgages | FHA Loans | Mortgage With Late Payments | NON-QM Loans | Videos

Mortgage Guidelines on Late Payments in the Past 12 Months

ByMike Gracz Posted onJanuary 25, 2023January 31, 2023

This blog will cover and discuss the mortgage guidelines on late payments in the past 12 months. Borrowers can qualify…

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Major Changes In FHA Guidelines HUD 4000.1 Handbook
FHA Loans | Videos

Major Changes In FHA Guidelines HUD 4000.1 Handbook

ByGustan Cho Posted onJanuary 25, 2023January 25, 2023

In this guide, we will cover the major changes in FHA guidelines HUD 4000.1 Handbook that can affect borrowers of…

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FHA Loan With Recent Late Payments In The Past 12 Months
Bad Credit Mortgages | FHA Loans | Manual Underwriting | Videos

FHA Loan With Recent Late Payments In The Past 12 Months

ByGustan Cho Posted onJanuary 24, 2023January 24, 2023

One of the most common daily inquiries is whether you qualify for an FHA loan with recent late payments. You…

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HUD Multi-Family Self-Sufficiency Test on FHA Loans
Appraisal | FHA Loans | Muti-Family Investment

HUD Multi-Family Self-Sufficiency Test on FHA Loans

ByGustan Cho Posted onJanuary 23, 2023February 7, 2023

This guide will cover the HUD multi-family self-sufficiency test on FHA loans. Gustan Cho Associates, empowered by NEXA Mortgage, LLC.,…

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HUD DACA Mortgage Guidelines For DREAMERS on FHA Loans
FHA Loans | Home Mortgage | Home Purchase | Videos

HUD DACA Mortgage Guidelines For DREAMERS on FHA Loans

ByMike Gracz Posted onJanuary 22, 2023February 2, 2023

This article will cover HUD DACA mortgage guidelines on FHA loans for DREAMERS. Gustan Cho Associates have some good news…

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Conventional Loan After Chapter 7 Bankruptcy Mortgage Guidelines
Mortgage After Bankruptcy and Foreclosure | Conventional Loans | FHA Loans | Videos

Conventional Loan After Chapter 7 Bankruptcy Mortgage Guidelines

ByGustan Cho Posted onJanuary 21, 2023January 22, 2023

Many people think only borrowers with great credit and higher credit scores can qualify for a conventional loan. Often times…

Continue Reading Conventional Loan After Chapter 7 Bankruptcy Mortgage GuidelinesContinue

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

FHA and Conforming High-Balance Mortgage Loans

ByMike Gracz Posted onJanuary 16, 2023February 9, 2023

High-Balance Mortgage Loans are government and conventional loans with higher loan limits than the standard $726,200 conforming and the $472,030…

Continue Reading FHA and Conforming High-Balance Mortgage LoansContinue

Fixing Your Credit To Qualify For FHA Loan To Buy a House
Re-Establishing Credit | Bad Credit Mortgages | FHA Loans | Videos

Fixing Your Credit To Qualify For FHA Loan To Buy a House

ByGustan Cho Posted onJanuary 15, 2023January 17, 2023

In this blog, we will cover fixing your credit to qualify for FHA loan to buy a house. Homebuyers planning…

Continue Reading Fixing Your Credit To Qualify For FHA Loan To Buy a HouseContinue

FHA Debt-To-Income Ratio Requirements
High Debt To Income Ratio | FHA Loans | Mortgage Lender Overlays | Videos

FHA Debt-To-Income Ratio Requirements

ByGustan Cho Posted onJanuary 10, 2023February 24, 2023

This blog will cover FHA debt-to-income ratio requirements for FHA loans.  Just because borrowers meet all the HUD Agency Mortgage…

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Revised FHA Total Scorecard Underwriting Guidelines
Mortgage Processing And Underwriting | Compensating Factors | FHA Loans | Manual Underwriting | Mortgage Lender Overlays | Verification Of Rent | Videos

Revised FHA Total Scorecard Underwriting Guidelines

ByGustan Cho Posted onJanuary 10, 2023February 24, 2023

This blog will cover the FHA Total Scorecard and how it works. The United States Department of Housing and Urban…

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Can I Buy a House in South Dakota With Poor Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Qualifying & Getting Pre-approved | VA Loans | Videos

Can I Buy a House in South Dakota With Poor Credit

ByGustan Cho Posted onJanuary 8, 2023February 24, 2023

In this blog, we will cover the frequently asked question can I buy a house in South Dakota with poor…

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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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    • Buying a House in Nevada
      What Are My Mortgage Options Buying a House in NevadaMarch 18, 2023
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      How Errors on Credit Reports Affect AUS FINDINGSMarch 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
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      • How Do I Become A Mortgage Loan Officer
      • MLO Revenue Share Residual Income Career Opportunity
    • Videos
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