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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
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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
      • 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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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

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Home / FHA Loans - Page 5
Mortgage Approval Process On Manual Underwriting
Manual Underwriting | FHA Loans | VA Loans | Verification of Employment | Videos

Mortgage Approval Process On Manual Underwriting

ByAnngelli Abenes Posted onJuly 9, 2024June 3, 2025

Mortgage Approval Process on Manual Underwriting: A Comprehensive Guide for 2024 The mortgage approval process can be overwhelming, especially with…

Continue Reading Mortgage Approval Process On Manual UnderwritingContinue

Illinois Mortgage With Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | VA Loans | Videos

Illinois Mortgage With Bad Credit Mortgage Options

ByAnngelli Abenes Posted onJuly 8, 2024June 5, 2025

Your All-Inclusive Manual to Getting a Mortgage with Poor Credit in Illinois. Do you fear poor credit could dash your…

Continue Reading Illinois Mortgage With Bad Credit Mortgage OptionsContinue

FHA DTI Guidelines
High Debt To Income Ratio | Automated Underwriting System | FHA Loans | Videos

FHA DTI Guidelines for Getting an Approve/Eligible Per AUS

ByAnngelli Abenes Posted onJuly 5, 2024June 5, 2025

First-time homebuyers, especially, may be easily overwhelmed by the complexities of purchasing a home. One of the most critical aspects…

Continue Reading FHA DTI Guidelines for Getting an Approve/Eligible Per AUSContinue

Maryland FHA Lenders
FHA Loans | Bankruptcy | Mortgage Lender Overlays | Videos

Maryland FHA Lenders For Homebuyers With Bad Credit

BySapna Sharma Posted onJune 28, 2024June 5, 2025

The lending requirements on FHA loans are not the same for all Maryland FHA Lenders. There are two different categories…

Continue Reading Maryland FHA Lenders For Homebuyers With Bad CreditContinue

Qualifying For FHA Loan After Foreclosure
Mortgage After Bankruptcy and Foreclosure | Bad Credit Mortgages | Bankruptcy | FHA Loans | Videos

Qualifying For FHA Loan After Foreclosure

ByGustan Cho Posted onJune 26, 2024June 5, 2025

Qualifying for FHA loan after foreclosure is now possible for homebuyers who meet the mandatory waiting period after foreclosure. Fannie…

Continue Reading Qualifying For FHA Loan After ForeclosureContinue

Home Loan With Bad Credit In Indiana
Bad Credit Mortgages | Conventional Loans | FHA Loans | VA Loans | Videos

Home Loan With Bad Credit In Indiana With No Overlays

ByGustan Cho Posted onJune 24, 2024June 5, 2025

This article concerns securing a home loan with bad credit in Indiana with no overlays. Indiana home values are skyrocketing…

Continue Reading Home Loan With Bad Credit In Indiana With No OverlaysContinue

Buying House In Community Property States
Home Mortgages | FHA Loans | Videos

Buying House In Community Property States

ByGustan Cho Posted onJune 24, 2024June 5, 2025

This guide covers buying house in community property states. Buying house in community property states can be tricky on certain…

Continue Reading Buying House In Community Property StatesContinue

Home Loans in South Carolina
FHA Loans | Bad Credit Mortgages | NON-QM Loans | Videos

Home Loans in South Carolina For Homebuyers With Bad Credit

ByGustan Cho Posted onJune 23, 2024June 5, 2025

In this article, we will cover and discuss home loans in South Carolina for homebuyers with bad credit and low…

Continue Reading Home Loans in South Carolina For Homebuyers With Bad CreditContinue

Bad Credit Mortgage Lenders in Rhode Island
Bad Credit Mortgages | FHA Loans | High Debt To Income Ratio | NON-QM Loans | Videos

Bad Credit Mortgage Lenders in Rhode Island with 500 FICO

ByGustan Cho Posted onJune 22, 2024June 5, 2025

In this blog, we will discuss and cover bad credit mortgage lenders in Rhode Island for borrowers with bad credit…

Continue Reading Bad Credit Mortgage Lenders in Rhode Island with 500 FICOContinue

Mortgage With Unpaid Collections in Wisconsin
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | FHA Loans | Videos

Mortgage With Unpaid Collections in Wisconsin

ByAlex Carlucci Posted onJune 22, 2024June 5, 2025

In this blog, we will cover and discuss qualifying for a mortgage with unpaid collections in Wisconsin in 2022. Many…

Continue Reading Mortgage With Unpaid Collections in WisconsinContinue

FHA Versus Conventional Mortgage Rates
Conventional Loans | FHA Loans | Mortgage Rates | Videos

FHA Versus Conventional Mortgage Rates

ByGustan Cho Posted onJune 21, 2024June 5, 2025

This guide covers FHA versus conventional mortgage rates on purchase and refinances transactions. One of the most common questions the…

Continue Reading FHA Versus Conventional Mortgage RatesContinue

Best New Hampshire Mortgage Lenders For Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Videos

Best New Hampshire Mortgage Lenders For Bad Credit

ByAlex Carlucci Posted onJune 21, 2024June 5, 2025

In this article, we will cover and discuss qualifying and getting approved with the best New Hampshire Mortgage Lenders for…

Continue Reading Best New Hampshire Mortgage Lenders For Bad CreditContinue

FHA Loans Colorado
FHA Loans | Videos

FHA Loans Colorado With Bad Credit and 500 FICO Scores

ByGustan Cho Posted onJune 20, 2024June 5, 2025

In this blog, we will cover and discuss qualifying for FHA loans Colorado with bad credit and credit scores down…

Continue Reading FHA Loans Colorado With Bad Credit and 500 FICO ScoresContinue

HUD Cash-Out Mortgage Guidelines
Mortgage Refinance | Conventional Loans | FHA Loans | Refinancing

HUD Cash-Out Mortgage Guidelines on FHA Loans

ByGustan Cho Posted onJune 11, 2024June 10, 2025

This blog will cover and discuss HUD Cash-Out Mortgage Guidelines on FHA loans for 2024. Home values are rising across…

Continue Reading HUD Cash-Out Mortgage Guidelines on FHA LoansContinue

Colorado Mortgage Loan Limits
Home Mortgages | FHA Loans | Real Estate Topic

Colorado Mortgage Loan Limits on FHA and Conforming Loans

ByMike Gracz Posted onJune 10, 2024June 10, 2025

This blog will explore and discuss the Colorado mortgage loan limits for FHA and Conventional Loans. Similar to trends nationwide,…

Continue Reading Colorado Mortgage Loan Limits on FHA and Conforming LoansContinue

FHA Mortgage Loans With No Overlays
Mortgage Lender Overlays | FHA Loans | Videos

FHA Mortgage Loans With No Overlays FHA Lenders

ByGustan Cho Posted onJune 10, 2024June 10, 2025

Gustan Cho Associates is a mortgage company licensed in multiple states, specializing in FHA mortgage loans with no overlays. More…

Continue Reading FHA Mortgage Loans With No Overlays FHA LendersContinue

FHA Versus Conforming Mortgages
Home Mortgages | Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Comparing FHA Versus Conforming Mortgages

ByGustan Cho Posted onJune 5, 2024June 10, 2025

This guide compares FHA versus conforming mortgages, the two most popular mortgage loan programs for homebuyers in the United States….

Continue Reading Comparing FHA Versus Conforming MortgagesContinue

Home Buyers With Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Videos

Home Buyers With Bad Credit Mortgage Options

ByMargarett Jurilla Posted onMay 30, 2024June 11, 2025

In this blog, we will cover and discuss the various mortgage options home buyers with bad credit have in qualifying…

Continue Reading Home Buyers With Bad Credit Mortgage OptionsContinue

HUD Derogatory Credit Guidelines
Bad Credit Mortgages | Charge Off Accounts | Credit Disputes | FHA Loans | video

HUD Derogatory Credit Guidelines On FHA Home Loans

ByAnngelli Abenes Posted onMay 30, 2024June 11, 2025

If you have lower credit scores and multiple prior derogatory credit tradelines, FHA loans are your best bet to get an approve/eligible per automated underwriting system (AUS).

Continue Reading HUD Derogatory Credit Guidelines On FHA Home LoansContinue

FHA AUS Approval Versus Manual Underwriting
Automated Underwriting System | FHA Loans | Manual Underwriting | Videos

FHA AUS Approval Versus Manual Underwriting On FHA Loans

ByGustan Cho Posted onMay 30, 2024June 11, 2025

This Article Is About FHA AUS Approval Versus Manual Underwriting On FHA Loans  HUD, the parent of the Federal Housing…

Continue Reading FHA AUS Approval Versus Manual Underwriting On FHA LoansContinue

FHA Loans vs VA Loans
Bad Credit Mortgages | FHA Loans | VA Loans | Videos

FHA Loans vs VA Loans: Comparing Mortgage Options

ByAlex Carlucci Posted onMay 29, 2024June 11, 2025

In this article, we will be comparing FHA loans vs VA loans. VA loans by far are the best mortgage…

Continue Reading FHA Loans vs VA Loans: Comparing Mortgage OptionsContinue

Can I Buy House In Maine With 580 FICO
Videos | Bad Credit Mortgages | FHA Loans

Can I Buy House in Maine With 580 FICO with No Credit

ByMargarett Jurilla Posted onMay 28, 2024June 11, 2025

In this blog, we will cover and answer the FAQ of can I buy house in Maine with 580 FICO…

Continue Reading Can I Buy House in Maine With 580 FICO with No CreditContinue

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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

  • FHA Loans After Unemployment
    FHA Loans After Unemployment Mortgage GuidelinesJune 30, 2025
  • Manual Underwriting With Late Payments Mortgage Guidelines
    Manual Underwriting With Late Payments Mortgage GuidelinesJune 30, 2025
  • FHA Debt-To-Income Ratio Requirements
    FHA Debt-To-Income Ratio RequirementsJune 30, 2025
  • The Role Of The Loan Officer Assistant
    The Role Of The Loan Officer Assistant In Mortgage ProcessJune 30, 2025

DTI Calculators

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  • Conventional DTI Calculator
  • Jumbo DTI Calculator
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Resources

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  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
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  • 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: 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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