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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 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 Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • 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 Bad Credit Scores
    • 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
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

FHA Loans

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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, 2024August 27, 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

Child Support Mortgage Guidelines
Home Mortgages | FHA Loans

Child Support Mortgage Guidelines On Home Purchase And Refinance

ByGustan Cho Posted onApril 1, 2024July 2, 2025

What Are The Updated Child Support Mortgage Guidelines On Home Purchase And Refinance For 2021? You cannot have delinquent child support payments and qualify for a mortgage.

Continue Reading Child Support Mortgage Guidelines On Home Purchase And RefinanceContinue

Past Due Versus Collection And Charge Off Accounts
Bad Credit Mortgages | Collection Accounts | FHA Loans | Videos

Past Due Versus Collection And Charge Off Accounts Mortgage Guidelines

ByGustan Cho Posted onMarch 29, 2024July 8, 2025

In this blog, we will discuss and cover Past Due Versus Collection And Charge Off Accounts when qualifying and getting…

Continue Reading Past Due Versus Collection And Charge Off Accounts Mortgage GuidelinesContinue

Refinance Into FHA 203k Loan
FHA 203k Loan | FHA Loans | Refinancing | Videos

Refinance Into FHA 203k Loan From an Existing Mortgage

ByGustan Cho Posted onMarch 28, 2024August 15, 2024

In this blog, we will cover and discuss how to refinance into FHA 203k loan from an existing home mortgage….

Continue Reading Refinance Into FHA 203k Loan From an Existing MortgageContinue

What is a DU Automated Approval
Automated Underwriting System | FHA Loans | VA Loans | Videos

What Is DU Automated Approval per AUS FINDINGS

ByGustan Cho Posted onMarch 27, 2024August 15, 2024

In this blog, we will cover and discuss what is DU automated approval on the automated underwriting system. A sound…

Continue Reading What Is DU Automated Approval per AUS FINDINGSContinue

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

FHA Guidelines on Mortgage After Loan Modification

ByGustan Cho Posted onMarch 26, 2024June 27, 2025

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

Continue Reading FHA Guidelines on Mortgage After Loan ModificationContinue

Mortgage Denied For Late Payments in Missouri
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | FHA Loans | Videos

Mortgage Denied For Late Payments in Missouri After Approved

ByDale Elenteny Posted onMarch 25, 2024August 15, 2024

In this blog, we will cover and discuss how homebuyers can qualify for a mortgage with new lenders after having…

Continue Reading Mortgage Denied For Late Payments in Missouri After ApprovedContinue

How Do I Qualify For a Mortgage Loan
Home Mortgages | Conventional Loans | FHA Loans | First Time Home Buyers | Qualifying & Getting Pre-approved | Videos

How Do I Qualify For a Mortgage and Get Approved

ByGustan Cho Posted onMarch 25, 2024August 15, 2024

This guide covers the frequently asked question how do I qualify for a mortgage loan and get approved. Mortgage lenders…

Continue Reading How Do I Qualify For a Mortgage and Get ApprovedContinue

High-Cosr
Videos | Conventional Loans | FHA Loans | High-Balance Mortgage Loans

High-Cost Guidelines On Government And Conventional Loans

ByAlex Carlucci Posted onMarch 25, 2024August 15, 2024

In this blog, we will discuss and cover high-cost guidelines on government and conventional loans. Some states have high-cost rules….

Continue Reading High-Cost Guidelines On Government And Conventional LoansContinue

Two Appraisals
Appraisal | FHA Loans | Videos

When Two Appraisals Are Required By Mortgage Lenders

ByMargarett Jurilla Posted onMarch 25, 2024January 24, 2025

This article will cover and discuss when mortgage lenders require two appraisals. In general, only one appraisal is required—however, there…

Continue Reading When Two Appraisals Are Required By Mortgage LendersContinue

Late Payments After Chapter 13 Bankruptcy Mortgage Guidelines
FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Mortgage With Late Payments | Videos

Late Payments After Chapter 13 Bankruptcy Guidelines

ByGustan Cho Posted onMarch 24, 2024July 16, 2025

This guide covers late payments after Chapter 13 bankruptcy mortgage guidelines. Mortgage lenders do not want to see any late…

Continue Reading Late Payments After Chapter 13 Bankruptcy GuidelinesContinue

Saving Money on Mortgage
Clear To Close | Down Payment Assistance | FHA Loans | Qualifying & Getting Pre-approved | Videos

Saving Money on Mortgage Interest and Closing Costs

ByGustan Cho Posted onMarch 24, 2024August 14, 2024

This  guide covers saving money on mortgage on home purchase and refinance loans. A home purchase is a very happy…

Continue Reading Saving Money on Mortgage Interest and Closing CostsContinue

Mortgage Lenders For Bad Credit in Arkansas
Home Mortgages | Bad Credit Mortgages | FHA Loans | Videos

Mortgage Lenders For Bad Credit in Arkansas With No Overlays

ByDale Elenteny Posted onMarch 23, 2024August 14, 2024

In this article, we will cover and discuss finding the best mortgage lenders for bad credit in Arkansas to qualify…

Continue Reading Mortgage Lenders For Bad Credit in Arkansas With No OverlaysContinue

FHA Spot Loans
FHA Loans | Condominium Loans | Conventional Loans | Real Estate Topic | Videos

FHA Spot Loans on Non-HUD-Approved Condos

ByGustan Cho Posted onMarch 23, 2024August 14, 2024

FHA Spot Loans enables condo buyers to purchase a condo unit in a non-HUD-Approved Condo Complex with an FHA loan.

Continue Reading FHA Spot Loans on Non-HUD-Approved CondosContinue

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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

  • HUD guidelines on student loans
    HUD Guidelines on Student Loans vs Other Mortgage ProgramsOctober 3, 2025
  • FHA Streamline Refinance California
    FHA Streamline Refinance California With Bad CreditOctober 2, 2025
  • Building Credit With Timely Housing Payments
    Building Credit With Timely Housing PaymentsOctober 2, 2025
  • Manual Underwriting DTI Guidelines
    Manual Underwriting DTI Guidelines for FHA and VA LoansOctober 2, 2025

DTI Calculators

  • FHA DTI Calculator
  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limit Change – See If You Qualify

Subsidiary Sites

  • Gustan Cho Associates Mortgage Advisor
  • GCA Mortgage Group
  • GCA Forum

Connect With Us

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Resources

  • Get Pre-Approved
  • Get Automated Underwriting System Approval
  • FICO Simulator
  • MLO License School
  • DTI Mortgage Calculator
  • Documents Required For Mortgage Process
  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
  • 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 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 Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • 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 Bad Credit Scores
    • 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
      • 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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