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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
      • VA Streamline Refinance
      • 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
      • MLO License School
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    • Remote Mortgage Loan Officer Career Opportunities
    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
  • Videos
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    • Headline News Archives
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

First Time Home Buyers

Home / First Time Home Buyers
First Mortgage Payment
First Time Home Buyers

First Mortgage Payment: When Is it Due?

ByGustan Cho Posted onAugust 6, 2025August 7, 2025

When Is Your First Mortgage Payment Due? 2025 Guide for Homebuyers You finally did it—you closed on your home and…

Continue Reading First Mortgage Payment: When Is it Due?Continue

Millennial Home Buyers
First Time Home Buyers

Top Tips for Millennial Home Buyers With Low Credit

ByGustan Cho Posted onJuly 25, 2025July 31, 2025

Millennial Home Buyers: Your 2025 Guide to Owning a Home Are you a millennial dreaming about owning a home? You’re…

Continue Reading Top Tips for Millennial Home Buyers With Low CreditContinue

California Extra Credit Teacher Home Purchase Program
First Time Home Buyers

California Extra Credit Teacher Home Purchase Program: ECTP

ByGustan Cho Posted onJuly 9, 2025July 11, 2025

California Extra Credit Teacher Home Purchase Program: 2025 Guide for Teachers Buying a Home If you work in education and…

Continue Reading California Extra Credit Teacher Home Purchase Program: ECTPContinue

Appraisal Transfer Policy
Appraisal | First Time Home Buyers | Videos

Appraisal Transfer Policy From One Lender To Another

ByGustan Cho Posted onJune 26, 2025July 29, 2025

Appraisal Transfer Policy: How to Transfer a Home Appraisal to a New Lender If you’re changing mortgage lenders and have…

Continue Reading Appraisal Transfer Policy From One Lender To AnotherContinue

Low Down Payment Mortgage
First Time Home Buyers | Home Purchase | Videos

Low-Down-Payment Mortgage For First-Time Homebuyers

ByGustan Cho Posted onMarch 4, 2025March 5, 2025

Low Down Payment Mortgage: First-Time Homebuyer’s Guide to Homeownership Can You Buy a Home With Little to No Down Payment?…

Continue Reading Low-Down-Payment Mortgage For First-Time HomebuyersContinue

Fannie Mae Guidelines On Second Homes
Second Homes | Conventional Loans | First Time Home Buyers | Videos

Fannie Mae Guidelines on Second Homes: What to Know

ByGustan Cho Posted onJanuary 28, 2025January 30, 2025

Fannie Mae Guidelines on Second Homes: What You Need to Know in 2025 Thinking about buying a second home? Here’s…

Continue Reading Fannie Mae Guidelines on Second Homes: What to KnowContinue

IHDA Mortgage Guidelines on Illinois Home Purchase
Home Purchase | Down Payment Assistance | First Time Home Buyers | Videos

IHDA Mortgage Guidelines on Illinois Home Purchase

ByAlex Carlucci Posted onJanuary 17, 2025January 19, 2025

In this blog, we will cover and discuss IHDA mortgage guidelines on Illinois home purchases. The Illinois Housing Development Authority…

Continue Reading IHDA Mortgage Guidelines on Illinois Home PurchaseContinue

Buying a House in Salt Lake City Utah
First Time Home Buyers | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Guide To Buying a House in Salt Lake City Utah

ByMargarett Jurilla Posted onJanuary 14, 2025January 14, 2025

Buying a House in Salt Lake City Utah: A 2025 Guide Getting a home in Salt Lake City, Utah, can…

Continue Reading Guide To Buying a House in Salt Lake City UtahContinue

Buying a House in Nevada
Bad Credit Mortgages | First Time Home Buyers | Home Mortgages | Videos

Buying a House in Nevada: What Are My Mortgage Options?

ByGustan Cho Posted onNovember 21, 2024May 14, 2025

Buying a House in Nevada: The Ultimate 2024 Guide to Making Your Dream Home a Reality Buying a house in…

Continue Reading Buying a House in Nevada: What Are My Mortgage Options?Continue

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

Advice and Tips for Home Buyers
First Time Home Buyers | Videos

Advice And Tips For Home Buyers In Qualifying For Mortgage

ByGustan Cho Posted onOctober 14, 2024May 20, 2025

Advice and Tips for Home Buyers in 2024: How to Qualify for a Mortgage and Get the Home of Your…

Continue Reading Advice And Tips For Home Buyers In Qualifying For MortgageContinue

FHA Loans With Low Credit Scores in Nebraska
Bad Credit Mortgages | FHA Loans | First Time Home Buyers | Videos

FHA Loans With Low Credit Scores in Nebraska

ByAnngelli Abenes Posted onAugust 15, 2024May 21, 2025

FHA Loans With Low Credit Scores in Nebraska: Your Guide to Homeownership in 2024 Are you concerned your low credit…

Continue Reading FHA Loans With Low Credit Scores in NebraskaContinue

TSAHC DPA Mortgage
First Time Home Buyers | Down Payment Assistance | Videos

TSAHC DPA Mortgage For Texas Homebuyers

ByAnngelli Abenes Posted onJuly 15, 2024June 3, 2025

Comprehensive Guide to TSAHC DPA Mortgage Program for Texas Homebuyers Exciting news for everyone looking to buy a home in…

Continue Reading TSAHC DPA Mortgage For Texas HomebuyersContinue

Buying a Home in Another State
First Time Home Buyers | Home Purchase | Real Estate Topic | Videos

Mortgage Qualifications for Buying a Home In Another State

ByGustan Cho Posted onJune 4, 2024June 11, 2025

This guide covers how to qualify for a mortgage by buying a home in another state. Buying a home in…

Continue Reading Mortgage Qualifications for Buying a Home In Another StateContinue

Buying a House Near Mom-and-Pop Shops
First Time Home Buyers | Home Purchase | Real Estate Topic | Videos

Buying a House Near Mom-and-Pop Shops Versus Giant Retailers

ByMargarett Jurilla Posted onJune 3, 2024June 11, 2025

This guide covers buying a house near mom-and-pop shops versus big box retail stores. Are you tired of the same…

Continue Reading Buying a House Near Mom-and-Pop Shops Versus Giant RetailersContinue

Realtors Marketing Package For Home Buyers
Home Mortgages | Career Opportunities/Loan Officer Training | First Time Home Buyers | Mortgage Processing And Underwriting | Real Estate Topic | Videos

Realtors Marketing Package For Home Buyers

ByGustan Cho Posted onMay 28, 2024June 11, 2025

This guide covers realtors marketing package for home buyers, real estate agents and referral partners. Home buyers rely on their…

Continue Reading Realtors Marketing Package For Home BuyersContinue

Buying Your First Home In Wyoming
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | FHA Loans | First Time Home Buyers | VA Loans | Videos

Steps To Buying Your First Home In Wyoming Without Stress

ByAlex Carlucci Posted onMay 22, 2024July 29, 2025

In this blog, we will cover and discuss the steps to buying your first home in Wyoming. Buying your first…

Continue Reading Steps To Buying Your First Home In Wyoming Without StressContinue

Buying Versus Renting in California
First Time Home Buyers | Home Purchase | Real Estate Topic | Videos

Pros and Cons of Buying Versus Renting in California

ByAnngelli Abenes Posted onMay 9, 2024June 13, 2025

This article analyzes the advantages and disadvantages of buying versus renting in California. The state has some of the highest real…

Continue Reading Pros and Cons of Buying Versus Renting in CaliforniaContinue

CHENOA DPA EDGE PROGRAM
First Time Home Buyers | Down Payment Assistance | Videos

CHENOA DPA EDGE PROGRAM

ByJohn Strange Posted onApril 27, 2024June 23, 2025

This guide covers down payment assistance with CHENOA DPA EDGE PROGRAM. Down payment assistance program can be forgiveable or non-forgiveable….

Continue Reading CHENOA DPA EDGE PROGRAMContinue

Changes In FHA Guidelines
FHA Loans | First Time Home Buyers | Student Loans | video

Changes In FHA Guidelines For First Time Home Buyers

ByAnngelli Abenes Posted onApril 26, 2024July 29, 2025

This article discusses the changes in FHA guidelines that are particularly relevant to first-time home buyers. The Federal Housing Administration…

Continue Reading Changes In FHA Guidelines For First Time Home BuyersContinue

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

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

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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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