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Gustan Cho Associates
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    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • FHA Streamline Refinance
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      • 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
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    • VA Home LoansExpand
      • VA Manual Underwriting
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      • VA Loans For Bad Credit
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      • VA Loans With Charged-Off Accounts
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    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
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      • Conventional Loan With Tax Lien
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    • Condotel Financing
    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
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      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
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FHA Loans

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Buying House While In Chapter 13 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | FHA Loans | VA Loans | Videos

Buying House While In Chapter 13 Bankruptcy

ByGustan Cho Posted onFebruary 29, 2024July 16, 2025

This blog post will explore Buying House While In Chapter 13 Bankruptcy. Chapter 13 Bankruptcy involves a structured five-year repayment…

Continue Reading Buying House While In Chapter 13 BankruptcyContinue

FHA Loans With 500 FICO
FHA Loans | Manual Underwriting | Mortgage Lender Overlays | Videos

FHA Loans With 500 FICO Credit Score

ByAlex Carlucci Posted onFebruary 29, 2024August 8, 2024

HUD, the parent of FHA, allows borrowers down to a 500 credit score to qualify for an FHA loan. However, for borrowers with under a 580 credit score, a 10% down payment is required.

Continue Reading FHA Loans With 500 FICO Credit ScoreContinue

Two FHA Loans At The Same Time
FHA Loans | Home Purchase | Income And Employment | Investment Homes | Real Estate Topic | Videos

Can I Have Two FHA Loans at The Same Time

ByGustan Cho Posted onFebruary 28, 2024August 8, 2024

This guide explains the requirements for obtaining two FHA loans at the same time. This is important information for those…

Continue Reading Can I Have Two FHA Loans at The Same TimeContinue

Manual Underwriting DTI Guidelines
FHA Loans | Manual Underwriting | VA Loans | Videos

Manual Underwriting DTI Guidelines For FHA and VA Loans

ByMargarett Jurilla Posted onFebruary 26, 2024March 18, 2024

This guide covers manual underwriting DTI guidelines on FHA and VA loans. HUD and the Veterans Administration are the only…

Continue Reading Manual Underwriting DTI Guidelines For FHA and VA LoansContinue

Waiting on Short Sale To Qualify For FHA Loans
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Videos

No Waiting Period on Short Sale Mortgage Guidelines

ByAlex Carlucci Posted onFebruary 26, 2024July 8, 2025

This article cover no waiting period on short sale mortgage guidelines. For those who were homeowners during the economic meltdown…

Continue Reading No Waiting Period on Short Sale Mortgage GuidelinesContinue

Bad Credit Mortgage Loans Alabama With 530 FICO
Bad Credit Mortgages | FHA Loans | Videos

Bad Credit Mortgage Loans Alabama With 530 FICO

ByGustan Cho Posted onFebruary 26, 2024March 11, 2025

In this article, we will discuss and cover homebuyers qualifying for bad credit mortgage loans Alabama. Qualifying for bad credit…

Continue Reading Bad Credit Mortgage Loans Alabama With 530 FICOContinue

Two FHA Loans Due To Expanding Family Size
Videos | FHA Loans | Home Purchase | Real Estate Topic

Can I Have Two FHA Loans Due To Expanding Family Size?

ByGustan Cho Posted onFebruary 26, 2024August 6, 2024

This guide addresses common inquiries regarding the possibility of maintaining two FHA loans due to expanding family size. Typically, individuals…

Continue Reading Can I Have Two FHA Loans Due To Expanding Family Size?Continue

Home Loan In Community Property States
Home Mortgages | FHA Loans | Videos

Getting Approved For Home Loan in Community Property States

ByAlex Carlucci Posted onFebruary 22, 2024July 29, 2025

If you’re married and you buy a home in a community property state, you’ll face different rules for qualifying. Most of these rules come into play if you finance your home with a government-backed home loan like the FHA, VA or USDA programs.

Continue Reading Getting Approved For Home Loan in Community Property StatesContinue

Modular Homes
Conventional Loans | FHA Loans | Manufactured Homes | USDA Loans | VA Loans | Videos

Modular Homes Mortgage Guidelines For Homebuyers

ByGustan Cho Posted onFebruary 22, 2024August 6, 2024

This guide covers modular homes mortgage guidelines on purchase and refinance transactions. Modular homes are becoming more and more popular…

Continue Reading Modular Homes Mortgage Guidelines For HomebuyersContinue

FHA MIP Versus Conventional PMI For Mortgage Borrowers
Mortgage Insurance | Conventional Loans | FHA Loans | Videos

FHA MIP Versus Conventional PMI For Mortgage Borrowers

ByGustan Cho Posted onFebruary 20, 2024August 6, 2024

This  guide covers FHA MIP versus conventional PMI for mortgage borrowers. Mortgage Insurance is mandatory on all FHA loans and…

Continue Reading FHA MIP Versus Conventional PMI For Mortgage BorrowersContinue

HUD Guidelines
Mortgage Lender Overlays | FHA Loans | Student Loans | Videos

HUD Guidelines versus Lender Overlays on FHA Loans

ByGustan Cho Posted onFebruary 20, 2024March 3, 2025

This guide covers HUD guidelines versus lender overlays on FHA loans. There have been notable changes for HUD guidelines versus…

Continue Reading HUD Guidelines versus Lender Overlays on FHA LoansContinue

Difference Between FHA And Conventional Mortgage
Home Mortgages | Conventional Loans | FHA Loans | Videos

Difference Between FHA and Conventional Mortgage Guidelines

ByGustan Cho Posted onFebruary 13, 2024August 5, 2024

This guide covers the difference between FHA and Conventional mortgage guidelines. Many homebuyers, especially first-time buyers shopping for homes often…

Continue Reading Difference Between FHA and Conventional Mortgage GuidelinesContinue

FHA Mortgage Guidelines
FHA Loans | Student Loans | Videos

FHA Mortgage Guidelines: Guide To FHA Loan Approval

ByGustan Cho Posted onFebruary 8, 2024April 7, 2025

FHA mortgage loans stand out as the leading choice among borrowers in the United States. The Federal Housing Administration (FHA)…

Continue Reading FHA Mortgage Guidelines: Guide To FHA Loan ApprovalContinue

FHA Appraisal Transfer
Appraisal | FHA Loans | video

FHA Appraisal Transfer To A New Mortgage Lender

ByAlex Carlucci Posted onFebruary 6, 2024August 5, 2024

In this blog, we will discuss and cover the FHA appraisal transfer from your old lender to a new mortgage…

Continue Reading FHA Appraisal Transfer To A New Mortgage LenderContinue

FHA W-2 Income Only Mortgage With No Income Tax Returns
FHA Loans | Home Mortgages | Income And Employment | Videos

FHA W-2 Income Only Mortgage With No Income Tax Returns

ByGustan Cho Posted onFebruary 5, 2024August 5, 2024

The FHA W-2 Income Only Mortgage Lending Guidelines provide a pathway for borrowers to qualify for an FHA loan based…

Continue Reading FHA W-2 Income Only Mortgage With No Income Tax ReturnsContinue

Fannie Mae Guidelines on Community Property States
Home Mortgages | Conventional Loans | FHA Loans | High Debt To Income Ratio | Videos

Fannie Mae Guidelines on Community Property States

ByEric Jeanette Posted onFebruary 5, 2024April 9, 2025

This guide provides clear information about Fannie Mae’s rules for Community Property States, helping people looking for mortgage information. It…

Continue Reading Fannie Mae Guidelines on Community Property StatesContinue

FHA Guidelines on Manufactured Home Loans
FHA Loans | Manufactured Homes | Videos

FHA Guidelines on Manufactured Home Loans

ByGustan Cho Posted onFebruary 2, 2024February 22, 2024

This guide covers FHA Guidelines on Manufactured Home Loans. FHA Guidelines on manufactured home loans are released. HUD, the parent…

Continue Reading FHA Guidelines on Manufactured Home LoansContinue

FHA Appraisals Versus Conventional Appraisals
Appraisal | Conventional Loans | FHA Loans | Videos

FHA Appraisals Versus Conventional Appraisals Guidelines

ByMargarett Jurilla Posted onJanuary 30, 2024July 29, 2024

This article examines and clarifies the criteria for FHA Appraisals Versus Conventional Appraisals. There are significant differences in the guidelines…

Continue Reading FHA Appraisals Versus Conventional Appraisals GuidelinesContinue

FHA DTI Ratios On Manual Underwrites
FHA Loans | Manual Underwriting | Videos

FHA DTI Ratios on Manual Underwrites Mortgage Guidelines

ByGustan Cho Posted onJanuary 30, 2024February 13, 2025

This article will delve into the mortgage guidelines for FHA DTI ratios on manual underwrites. The key distinction between manual…

Continue Reading FHA DTI Ratios on Manual Underwrites Mortgage GuidelinesContinue

HUD guidelines for gift funds
FHA Loans | Videos

HUD Guidelines For Gift Funds on FHA Loans

ByGustan Cho Posted onJanuary 29, 2024August 18, 2025

This article will delve into the HUD guidelines for gift funds in the context of home purchase transactions involving Federal…

Continue Reading HUD Guidelines For Gift Funds on FHA LoansContinue

FHA Case Number
Videos | FHA Loans | Mortgage Processing And Underwriting

What is an FHA Case Number on FHA Home Loans

ByGustan Cho Posted onJanuary 25, 2024April 15, 2025

This blog will cover and discuss the FHA case number on new FHA mortgage applications. We will also discuss transfers…

Continue Reading What is an FHA Case Number on FHA Home LoansContinue

Jumbo Loan vs Conventional Loan Comparison
Jumbo Loans | Conventional Loans | FHA Loans | High-Balance Mortgage Loans | Videos

Jumbo Loan vs Conventional Loan Comparison | Rates and LTV

ByGustan Cho Posted onJanuary 23, 2024July 29, 2024

  In this article, we will cover and discuss the comparison between jumbo loan vs conventional loan programs and the…

Continue Reading Jumbo Loan vs Conventional Loan Comparison | Rates and LTVContinue

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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

  • Mortgage with High Student Loan Debt
    Qualifying for Mortgage with High Student Loan DebtsAugust 28, 2025
  • APR Versus Interest Rate
    APR Versus Interest Rate Quoted By Mortgage LendersAugust 28, 2025
  • Chenoa DPA EDGE Program
    Chenoa DPA EDGE Program: Powerful Aid for Home BuyersAugust 28, 2025
  • Apartment Building Loans
    Apartment Building Loans For Real Estate InvestorsAugust 27, 2025

DTI Calculators

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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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