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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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      • 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
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      • 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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FHA Loans

Home / FHA Loans - Page 7
Solutions To High Debt To Income Ratios
FHA Loans | High Debt To Income Ratio | Manual Underwriting | Refinancing | VA Loans | video

Solutions To High Debt To Income Ratios On Home Purchase

ByAnngelli Abenes Posted onApril 25, 2024June 23, 2025

Gustan Cho Associates has no lender overlays on debt to income ratio on government and conventional loans. We just go off the agency caps on debt to income ratio no government and conventional loans.

Continue Reading Solutions To High Debt To Income Ratios On Home PurchaseContinue

HUD Reserve Requirements
FHA Loans

HUD Reserve Requirements and Guidelines on FHA Loans

ByAnngelli Abenes Posted onApril 23, 2024June 23, 2025

HUD reserve requirements mandate maintaining reserves in specific scenarios, and it’s prudent for homeowners to voluntarily set aside funds for…

Continue Reading HUD Reserve Requirements and Guidelines on FHA LoansContinue

Qualifying For The Lowest FHA Mortgage Rates On FHA Loans
FHA Loans | Mortgage Rates | Videos

Qualifying For The Lowest FHA Mortgage Rates on FHA Loans

ByGustan Cho Posted onApril 23, 2024June 23, 2025

This  guide covers qualifying for the lowest FHA mortgage rates on FHA loans. Qualifying for the lowest FHA mortgage rates…

Continue Reading Qualifying For The Lowest FHA Mortgage Rates on FHA LoansContinue

Mortgage Loan Options With Bad Credit After Bankruptcy
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Videos

Mortgage Loan Options With Bad Credit After Bankruptcy

ByGustan Cho Posted onApril 21, 2024June 23, 2025

This guide covers mortgage loan options with bad credit after bankruptcy on home purchase and refinance loans. One of the…

Continue Reading Mortgage Loan Options With Bad Credit After BankruptcyContinue

FHA Loans Bad Credit Georgia
Bad Credit Mortgages | FHA Loans | First Time Home Buyers | Real Estate Topic | Videos

FHA Loans Bad Credit Georgia For Credit Scores Down to 500

ByMargarett Jurilla Posted onApril 19, 2024June 24, 2025

FHA loans bad credit Georgia mortgage requirements and guidelines make FHA home mortgages the most popular loan program for first-time…

Continue Reading FHA Loans Bad Credit Georgia For Credit Scores Down to 500Continue

FHA Loan With Under 600 Credit Score
Bad Credit Mortgages | Credit Scores | FHA Loans | Videos

Can I Get an FHA Loan With Under 600 Credit Score

ByGustan Cho Posted onApril 19, 2024June 24, 2025

In this blog post, we’ll explore obtaining an FHA loan with a credit score under 600. Gustan Cho Associates specializes…

Continue Reading Can I Get an FHA Loan With Under 600 Credit ScoreContinue

FHA Loans in Las Vegas
Bad Credit Mortgages | FHA Loans | Videos

FHA Loans In Las Vegas With Bad Credit

ByGustan Cho Posted onApril 19, 2024July 29, 2025

This blog will discuss getting approved for FHA loans in Las Vegas with bad credit and credit scores down to…

Continue Reading FHA Loans In Las Vegas With Bad CreditContinue

FHA Amendatory Clause
Appraisal | FHA Loans | Home Mortgages | video

What Is The FHA Amendatory Clause And Who Is Obligated To Sign It

ByGustan Cho Posted onApril 18, 2024June 24, 2025

The Federal Housing Administration (FHA), a segment of the United States Department of Housing and Urban Development, was established in…

Continue Reading What Is The FHA Amendatory Clause And Who Is Obligated To Sign ItContinue

Fannie Mae Chapter 13 Guidelines
Mortgage After Bankruptcy and Foreclosure | Bankruptcy | FHA Loans | Manual Underwriting | VA Loans | video

Fannie Mae Chapter 13 Guidelines On Conventional Loans

ByGustan Cho Posted onApril 17, 2024June 24, 2025

After experiencing financial difficulties, it can be overwhelming to navigate the intricacies of mortgage lending. The process can be complex…

Continue Reading Fannie Mae Chapter 13 Guidelines On Conventional LoansContinue

California FHA Loans
Home Mortgages | FHA Loans | First Time Home Buyers | VA Loans | video

California FHA Loans Versus Other Mortgage Options For Homebuyers

ByGustan Cho Posted onApril 16, 2024July 29, 2025

California FHA loans are a preferred mortgage solution for various borrowers, including first-time homebuyers, individuals with poor credit, and those…

Continue Reading California FHA Loans Versus Other Mortgage Options For HomebuyersContinue

FHA Mortgage Guidelines on Credit Disputes
Charge Off Accounts | Collection Accounts | Credit Disputes | FHA Loans | Videos

FHA Mortgage Guidelines on Credit Disputes

ByGustan Cho Posted onApril 15, 2024June 25, 2025

This blog will discuss FHA mortgage guidelines on credit disputes during the mortgage process. In general, you cannot have credit…

Continue Reading FHA Mortgage Guidelines on Credit DisputesContinue

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 onApril 12, 2024June 25, 2025

In this blog, we’ll address the common inquiry: Can I buy a house in South Dakota with poor credit and…

Continue Reading Can I Buy a House in South Dakota With Poor CreditContinue

Commercial Real Estate Purchase Using FHA Financing
FHA Loans | Commercial Loans | Real Estate | video

Commercial Real Estate Purchase Using FHA Financing

ByAlex Carlucci Posted onApril 12, 2024June 25, 2025

In this blog, we will cover and discuss commercial real estate purchase using FHA financing. In the following paragraphs, we…

Continue Reading Commercial Real Estate Purchase Using FHA FinancingContinue

Mortgage Case Scenarios
Bad Credit Mortgages | FHA Loans | Videos

Mortgage Case Scenarios of Borrowers With Bad Credit

ByAlex Carlucci Posted onApril 9, 2024June 25, 2025

This guide covers mortgage case scenarios of borrowers with bad credit and lower credit scores. If you have been following…

Continue Reading Mortgage Case Scenarios of Borrowers With Bad CreditContinue

FHA Loan With Low Credit Scores
Bad Credit Mortgages | Credit Scores | FHA Loans | Videos

FHA Loan With Low Credit Scores Mortgage Guidelines

ByGustan Cho Posted onApril 9, 2024July 8, 2025

This article covers qualifying for an FHA loan with low credit scores mortgage guidelines for 2024. FHA loans are the…

Continue Reading FHA Loan With Low Credit Scores Mortgage GuidelinesContinue

HUD DACA Mortgage Guidelines
FHA Loans | Home Mortgages | Home Purchase | Videos

HUD DACA Mortgage Guidelines For DREAMERS on FHA Loans

ByLaurie Cho Posted onApril 8, 2024June 25, 2025

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

Continue Reading HUD DACA Mortgage Guidelines For DREAMERS on FHA LoansContinue

FHA Loan After Chapter 13 Bankruptcy in North Dakota
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | Videos

FHA Loan After Chapter 13 Bankruptcy in North Dakota

ByGustan Cho Posted onApril 7, 2024July 29, 2025

In this blog, we will discuss and cover the mortgage guidelines for getting qualified and approved for an FHA loan…

Continue Reading FHA Loan After Chapter 13 Bankruptcy in North DakotaContinue

Bankruptcy Manual Underwriting Guidelines
Manual Underwriting | FHA Loans | Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

Bankruptcy Manual Underwriting Guidelines on FHA and VA Loans

ByGustan Cho Posted onApril 5, 2024June 27, 2025

The bankruptcy manual underwriting guidelines on FHA and VA loans are covered in this guide, which focuses on the exclusive…

Continue Reading Bankruptcy Manual Underwriting Guidelines on FHA and VA LoansContinue

North Carolina FHA Lenders For Bad Credit
FHA Loans | Bad Credit Mortgages | Mortgage Lender Overlays | Mortgage Processing And Underwriting

North Carolina FHA Lenders For Bad Credit with No Overlays

ByGustan Cho Posted onApril 5, 2024June 27, 2025

In this blog post, we’ll discuss qualifying for FHA loans with top North Carolina FHA lenders for bad credit. It’s…

Continue Reading North Carolina FHA Lenders For Bad Credit with No OverlaysContinue

Home Loan With Bad Credit Texas
Bad Credit Mortgages | Automated Underwriting System | FHA Loans | Manual Underwriting | VA Loans | video

How To Get Approved For Home Loan With Bad Credit Texas

ByMike Gracz Posted onApril 4, 2024April 22, 2025

This article explores the various mortgage options available to homebuyers seeking approval for a home loan with bad credit Texas….

Continue Reading How To Get Approved For Home Loan With Bad Credit TexasContinue

Rebuilding Credit During Chapter 13 Bankruptcy
FHA Loans | Mortgage After Bankruptcy and Foreclosure | Re-Establishing Credit | Secured Credit Cards | VA Loans | Videos

Rebuilding Credit During Chapter 13 Bankruptcy For a Mortgage

ByGustan Cho Posted onApril 3, 2024June 27, 2025

This guide covers rebuilding credit during Chapter 13 Bankruptcy repayment plan. Rebuilding credit during Chapter 13 Bankruptcy is highly recommended…

Continue Reading Rebuilding Credit During Chapter 13 Bankruptcy For a MortgageContinue

FHA Waiting Period After Bankruptcy and Foreclosure
Mortgage After Bankruptcy and Foreclosure | Bad Credit Mortgages | FHA Loans | Videos

FHA Waiting Period After Bankruptcy and Foreclosure

ByGustan Cho Posted onApril 2, 2024July 2, 2025

This article will discuss the FHA Waiting Period After Bankruptcy and Foreclosure. The FHA mandates waiting periods after bankruptcy, foreclosure,…

Continue Reading FHA Waiting Period After Bankruptcy and ForeclosureContinue

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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

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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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