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Gustan Cho Associates
  • About UsExpand
    • 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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      • 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
    • How to Get DACA Mortgage Loans Without the Stress
    • 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
    • Condotel Financing
    • NON-QM LoansExpand
      • 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
  • CareersExpand
    • Can Realtors Be MLOs At The Same Time
    • Career OpportunitiesExpand
      • 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 Opportunity
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

FHA Loans

Home / FHA Loans - Page 3
FHA Loans Chicago
FHA Loans | Bad Credit Mortgages | Condominium Loans | Condotel and Non-Warrantable Condos | First Time Home Buyers | Videos

FHA Loans Chicago With No Overlays on Government Loans

ByAnngelli Abenes Posted onNovember 7, 2024May 19, 2025

FHA Loans Chicago: Your 2024 Guide to Affordable Homeownership Buying a home in Chicago can be daunting, especially with rising…

Continue Reading FHA Loans Chicago With No Overlays on Government LoansContinue

Updated FHA Loan Requirements
Collection Accounts | FHA Loans | Qualifying & Getting Pre-approved | Regulations | Videos

Updated FHA Loan Requirements on HUD Guidelines

ByGustan Cho Posted onNovember 7, 2024January 29, 2025

Updated FHA Loan Requirements for 2024: What You Need to Know Are you considering an FHA loan to buy a…

Continue Reading Updated FHA Loan Requirements on HUD GuidelinesContinue

Boarder Income Mortgage Guidelines
Income And Employment | Conventional Loans | FHA Loans | HomeReady

Boarder Income Mortgage Guidelines You Need to Know Now

ByMike Gracz Posted onOctober 30, 2024May 19, 2025

Boarder Income Mortgage Guidelines for 2024: Boosting Your Income to Buy or Refinance a Home Are you wondering if the…

Continue Reading Boarder Income Mortgage Guidelines You Need to Know NowContinue

FHA Streamline Refinance Illinois
FHA Loans | FHA and VA Streamline Refinance | Refinancing | Videos

FHA Streamline Refinance Illinois With No Closing Costs

ByAlex Carlucci Posted onOctober 23, 2024May 20, 2025

FHA Streamline Refinance Illinois: A Fast, Easy Way to Lower Your Mortgage Payments in 2024 If you’re an Illinois homeowner…

Continue Reading FHA Streamline Refinance Illinois With No Closing CostsContinue

Home Affordable Refinance Program Extended
Mortgage Refinance | FHA and VA Streamline Refinance | FHA Loans

Home Affordable Refinance Program Extended For Underwater Mortgages

ByAlex Carlucci Posted onOctober 22, 2024May 20, 2025

Home Affordable Refinance Program Extended: What Happened and Your Options in 2024 If you’re a homeowner who’s been keeping up…

Continue Reading Home Affordable Refinance Program Extended For Underwater MortgagesContinue

HARP with Second Mortgage
Mortgage Refinance | FHA Loans | Refinancing

HARP with Second Mortgage: What You Need to Know

ByGustan Cho Posted onOctober 22, 2024May 20, 2025

HARP With Second Mortgage: Can You Refinance with a Second Mortgage Through HARP in 2024? If you have a second…

Continue Reading HARP with Second Mortgage: What You Need to KnowContinue

Mortgage Guidelines After Bankruptcy and Foreclosure
FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | NON-QM Loans | USDA Loans | VA Loans | Videos

Mortgage Guidelines After Bankruptcy and Foreclosure

ByGustan Cho Posted onOctober 17, 2024May 20, 2025

Mortgage Guidelines After Bankruptcy and Foreclosure in 2024 If you’ve been through bankruptcy or foreclosure, you might feel like owning…

Continue Reading Mortgage Guidelines After Bankruptcy and ForeclosureContinue

HUD DTI Guidelines
FHA Loans | High Debt To Income Ratio

Simple Guide to HUD DTI Guidelines for FHA Loans

ByGustan Cho Posted onOctober 11, 2024May 20, 2025

Understanding HUD DTI Guidelines for FHA Loans in 2024: How to Qualify for a Purchase or Refinance When you’re considering…

Continue Reading Simple Guide to HUD DTI Guidelines for FHA LoansContinue

FHA Guidelines On Medical Collections
Collection Accounts | Charge Off Accounts | FHA Loans | Videos

FHA Guidelines On Medical Collections and Charged-Offs

ByGustan Cho Posted onOctober 10, 2024July 29, 2025

FHA Guidelines on Medical Collections: Everything You Need to Know in 2024 Are medical collections standing in your dream of…

Continue Reading FHA Guidelines On Medical Collections and Charged-OffsContinue

Chapter 11 Bankruptcy Guidelines on FHA and VA Loans
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Home Mortgages | VA Loans | Videos

Chapter 11 Bankruptcy Guidelines on FHA and VA Loans

ByGustan Cho Posted onOctober 1, 2024May 20, 2025

How to Get a Mortgage During or After Chapter 11 Bankruptcy (2024 Updates) If you’re recovering from Chapter 11 Bankruptcy,…

Continue Reading Chapter 11 Bankruptcy Guidelines on FHA and VA LoansContinue

Mortgage Guidelines With Unpaid Taxes To The IRS
Home Mortgages | FHA Loans | Tax Lien | Videos

Mortgage Guidelines With Unpaid Taxes To The IRS

ByGustan Cho Posted onOctober 1, 2024May 20, 2025

Mortgage Guidelines with Unpaid Taxes: Qualifying for a Home Loan in 2024 Are you worried about unpaid taxes standing in…

Continue Reading Mortgage Guidelines With Unpaid Taxes To The IRSContinue

FHA Chapter 13 Bankruptcy Guidelines
Videos | FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | VA Loans | Verification Of Rent

FHA Chapter 13 Bankruptcy Guidelines

ByGustan Cho Posted onSeptember 24, 2024July 16, 2025

FHA Chapter 13 Bankruptcy Guidelines allow homebuyers and homeowners to qualify for FHA loans for home purchases and refinance during…

Continue Reading FHA Chapter 13 Bankruptcy GuidelinesContinue

HUD Credit Score Guidelines
Home Mortgages | Credit Scores | FHA Loans | Videos

HUD Credit Score Guidelines On FHA Home Loans

ByAnngelli Abenes Posted onAugust 30, 2024May 20, 2025

Understanding HUD Credit Score Guidelines in 2024 Are you dreaming of buying your first home but worried about your credit…

Continue Reading HUD Credit Score Guidelines On FHA Home LoansContinue

HUD $100 Down Payment
FHA Loans | Real Estate Topic

HUD $100 Down Payment Home Purchase Program

ByAnngelli Abenes Posted onAugust 29, 2024July 29, 2025

Unlock Your Dream Home with Just $100 Down: How the HUD $100 Down Payment Program Can Make Homeownership a Reality…

Continue Reading HUD $100 Down Payment Home Purchase ProgramContinue

HUD Announces Tightening Of Credit
Videos | FHA Loans

HUD Announces Tightening Of Credit Requirements On FHA Loans

ByAnngelli Abenes Posted onAugust 28, 2024May 21, 2025

HUD Announces Tightening of Credit Requirements on FHA Loans: What It Means for You in 2024 If you’re thinking about…

Continue Reading HUD Announces Tightening Of Credit Requirements On FHA LoansContinue

FHA Loan After Bankruptcy In California
FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

FHA Loan After Bankruptcy In California With Bad Credit

ByAnngelli Abenes Posted onAugust 27, 2024May 21, 2025

FHA Loan After Bankruptcy in California: Your Path to Homeownership in 2024 If you’ve been through bankruptcy, you might feel…

Continue Reading FHA Loan After Bankruptcy In California With Bad CreditContinue

FHA Appraisals Versus Home Inspections
Appraisal | FHA Loans | Videos

FHA Appraisals Versus Home Inspections For Homebuyers

ByAnngelli Abenes Posted onAugust 27, 2024May 21, 2025

FHA Appraisals Versus Home Inspections: Why You Need Both to Make a Smart Home Purchase in 2024 When buying a…

Continue Reading FHA Appraisals Versus Home Inspections For HomebuyersContinue

FHA Income
Income And Employment | FHA Loans | Videos

FHA Income Guidelines: Simple Tips to Qualify for Home Loans

ByAnngelli Abenes Posted onAugust 26, 2024May 21, 2025

FHA mortgage guidelines have strict rules for calculating borrower’s wages.  This article explains the different types of income and the income documents needed for an FHA mortgage. 

Continue Reading FHA Income Guidelines: Simple Tips to Qualify for Home LoansContinue

FHA Guidelines on Student Loans
Student Loans | FHA Loans | High Debt To Income Ratio | Videos

FHA Guidelines on Student Loans: How to Qualify

ByAnngelli Abenes Posted onAugust 26, 2024July 29, 2025

FHA Guidelines on Student Loans: Your Path to Homeownership Student loans are a significant part of life for many Americans,…

Continue Reading FHA Guidelines on Student Loans: How to QualifyContinue

FHA Title I Loans
FHA Loans | Home Improvement/Renovations | Real Estate Topic

FHA Title I Loans: What You Need To Know in 2024

ByAnngelli Abenes Posted onAugust 23, 2024May 21, 2025

FHA Title I Loans: The Ultimate Guide for 2024 Home Improvement Projects Are you a homeowner looking to make improvements…

Continue Reading FHA Title I Loans: What You Need To Know in 2024Continue

Re-Establishing Credit To Qualify For FHA Loan
Bad Credit Mortgages | FHA Loans | Re-Establishing Credit | Videos

Re-Establishing Credit To Qualify For FHA Loan

ByAnngelli Abenes Posted onAugust 22, 2024May 21, 2025

Re-Establishing Credit to Qualify for FHA Loan: Your 2024 Guide to Homeownership Are you dreaming of buying a home but…

Continue Reading Re-Establishing Credit To Qualify For FHA LoanContinue

New Jersey FHA Lenders
FHA Loans | Videos

New Jersey FHA Lenders: HUD-Approved Lender With No Overlays

ByAnngelli Abenes Posted onAugust 22, 2024May 21, 2025

Discover the Best New Jersey FHA Lenders for Your Home Purchase or Refinance When you’re looking to buy or refinance…

Continue Reading New Jersey FHA Lenders: HUD-Approved Lender With No OverlaysContinue

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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

  • Sacramento California Home Purchase
    Sacramento California Home Purchase With Bad CreditAugust 7, 2025
  • Deficiency Judgments
    Qualifying For Home Loans With Deficiency JudgmentsAugust 7, 2025
  • What are 7 Ways to Defend a Debt Collection Lawsuit
    7 Ways to Defend a Debt Collection Lawsuit by ConsumersAugust 7, 2025
  • One Day Mortgage Loan Approval
    One Day Mortgage Loan Approval Process For HomebuyersAugust 7, 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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