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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
    • NEXA Career OpportunitiesExpand
      • How To Brand Yourself as a Loan Officer
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
    • Loan OfficersExpand
      • Michael Gracz
      • Ronda Butts
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • Refinance Mortgage Options
      • Cash-Out Refinance
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • Rate And Term Refinance
      • 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
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    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
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      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condominium LoansExpand
      • Warrantable Condos
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    • 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
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustan Cho Associates

High Debt To Income Ratio

Home / High Debt To Income Ratio
How Underwriters Calculate Debt-To-Income Ratio
High Debt To Income Ratio | Income And Employment | No-Ratio Mortgage Loans | NON-QM Loans | Videos

How Underwriters Calculate Debt-To-Income Ratio

ByGustan Cho Posted onApril 19, 2023April 19, 2023

This blog will cover how underwriters calculate debt-to-income ratio on mortgage loan programs. Every loan program has lending requirements on…

Continue Reading How Underwriters Calculate Debt-To-Income RatioContinue

VA Loans With High Debt-To-Income Ratio Mortgage Guidelines
VA Loans | High Debt To Income Ratio | Videos

VA Loans With High Debt-To-Income Ratio Mortgage Guidelines

ByGustan Cho Posted onJanuary 17, 2023January 17, 2023

This blog will discuss VA loans with high debt-to-income ratio mortgage guidelines. The team at Gustan Cho Associates gets frequently…

Continue Reading VA Loans With High Debt-To-Income Ratio Mortgage GuidelinesContinue

FHA Debt-To-Income Ratio Requirements
High Debt To Income Ratio | FHA Loans | Mortgage Lender Overlays | Videos

FHA Debt-To-Income Ratio Requirements

ByGustan Cho Posted onJanuary 10, 2023February 24, 2023

This blog will cover FHA debt-to-income ratio requirements for FHA loans.  Just because borrowers meet all the HUD Agency Mortgage…

Continue Reading FHA Debt-To-Income Ratio RequirementsContinue

DTI Manual Underwriting Guidelines on FHA and VA Loans
Manual Underwriting | Compensating Factors | FHA Loans | High Debt To Income Ratio | VA Loans | Verification Of Rent | Videos

DTI Manual Underwriting Guidelines on FHA and VA Loans

ByAlex Carlucci Posted onDecember 26, 2022February 22, 2023

Apply Now DTI manual underwriting guidelines on FHA and VA loans are similar. FHA and VA loans are the only…

Continue Reading DTI Manual Underwriting Guidelines on FHA and VA LoansContinue

Buying a House With High Student Loan Debts
Student Loans | High Debt To Income Ratio | Home Mortgage

Buying a House With High Student Loan Debts

ByGustan Cho Posted onOctober 27, 2022December 29, 2022

In this blog, we will discuss and cover qualifying for a mortgage with buying a house with high student loan…

Continue Reading Buying a House With High Student Loan DebtsContinue

Lowering Debt-To-Income Ratio To Qualify For Mortgage
High Debt To Income Ratio | Videos

Lowering Debt-To-Income Ratio To Qualify For Mortgage

ByGustan Cho Posted onOctober 12, 2022December 20, 2022

This article is about solutions to lowering debt-to-income ratio to qualify for a mortgage. The debt-to-income ratio is the sum…

Continue Reading Lowering Debt-To-Income Ratio To Qualify For MortgageContinue

What Is PITI In Mortgage?
High Debt To Income Ratio | Home Mortgage | Videos

What Is PITI In Mortgage?

BySapna Sharma Posted onOctober 7, 2022March 2, 2023

All mortgage loan programs require a maximum front debt-income ratio and back debt to income ratio. However, conventional loans do not require a front debt to income ratio. VA loans do not have a debt to income ratio requirements. Lenders can have lender over lender overlays on debt to income ratios.

Continue Reading What Is PITI In Mortgage?Continue

How Student And Car Loans Affect DTI For Mortgages
High Debt To Income Ratio | Student Loans

How Student And Car Loans Affect DTI For Mortgages

ByGustan Cho Posted onApril 18, 2022April 24, 2023

In this article, we will discuss and cover how student and car loans affect DTI for mortgages. An auto loan…

Continue Reading How Student And Car Loans Affect DTI For MortgagesContinue

Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional Loans
High Debt To Income Ratio

Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional Loans

ByGustan Cho Posted onFebruary 7, 2022February 7, 2022

There are certain debts that can be exempt from debt to income ratio calculations on conventional loans.

Continue Reading Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional LoansContinue

Importance Of Debt To Income Ratio When Qualifying For Mortgages
High Debt To Income Ratio | Videos

Importance Of Debt To Income Ratio When Qualifying For Mortgages

ByGustan Cho Posted onDecember 5, 2021December 6, 2021

This Article Is About The Importance Of Debt To Income Ratio When Qualifying For Mortgages Mortgage borrowers have to realize…

Continue Reading Importance Of Debt To Income Ratio When Qualifying For MortgagesContinue

High Debt To Income Ratios Mortgage Lending Guidelines
High Debt To Income Ratio

High Debt To Income Ratios Mortgage Lending Guidelines

ByGustan Cho Posted onNovember 2, 2021July 11, 2022

This Article Is About High Debt To Income Ratios Mortgage Lending Guidelines Home Buyers can have a great income, great…

Continue Reading High Debt To Income Ratios Mortgage Lending GuidelinesContinue

Mortgage Denial Due To HIgh Debt To Income Ratio
High Debt To Income Ratio | Videos

Mortgage Denial Due To HIgh Debt To Income Ratio

ByGustan Cho Posted onOctober 31, 2021October 31, 2021

This Article Is About Mortgage Denial Due To High Debt To Income Ratio When borrowers apply for a mortgage loan,…

Continue Reading Mortgage Denial Due To HIgh Debt To Income RatioContinue

How Auto Loans Affect Home Loans And Debt To Income Ratios
High Debt To Income Ratio | Videos

How Auto Loans Affect Home Loans And Debt To Income Ratios

ByGustan Cho Posted onOctober 9, 2021October 11, 2021

This Article Is About How Auto Loans Affect Home Loans And Debt To Income Ratios Debt to income ratios is one…

Continue Reading How Auto Loans Affect Home Loans And Debt To Income RatiosContinue

Mortgage With An Auto Loan And How It Impacts Debt To Income Ratio
High Debt To Income Ratio

Mortgage With An Auto Loan And How It Impacts Debt To Income Ratio

ByGustan Cho Posted onOctober 8, 2021October 8, 2021

This Article Is About Qualifying For A Mortgage With An Auto Loan And How It Impacts Debt To Income Ratio…

Continue Reading Mortgage With An Auto Loan And How It Impacts Debt To Income RatioContinue

HUD DTI Guidelines On FHA Loans On Purchases And Refinances
High Debt To Income Ratio

HUD DTI Guidelines On FHA Loans On Purchases And Refinances

ByGustan Cho Posted onSeptember 29, 2021September 30, 2021

This Article Is About The HUD DTI Guidelines On FHA Loans On Purchases And Refinances What Are HUD DTI Guidelines…

Continue Reading HUD DTI Guidelines On FHA Loans On Purchases And RefinancesContinue

Mortgage With Auto Loans And Student Loans And Effects On DTI
High Debt To Income Ratio

Mortgage With Auto Loans And Student Loans And Effects On DTI

ByGustan Cho Posted onSeptember 22, 2021October 7, 2021

This Article Is About Mortgage With Auto Loans And Student Loans And Effects Homebuyers Qualifying For Mortgage With Auto Loans…

Continue Reading Mortgage With Auto Loans And Student Loans And Effects On DTIContinue

High Debt To Income Ratio Mortgage Solutions To Meet DTI Guidelines
High Debt To Income Ratio | Videos

High Debt To Income Ratio Mortgage Solutions To Meet DTI Guidelines

ByAlex Carlucci Posted onSeptember 19, 2021September 28, 2021

This Article Is About High Debt To Income Ratio Mortgage Solutions To Meet DTI Guidelines Debt to income ratio and…

Continue Reading High Debt To Income Ratio Mortgage Solutions To Meet DTI GuidelinesContinue

VA Maximum DTI Guidelines On VA Home Mortgages
VA Loans | High Debt To Income Ratio

VA Maximum DTI Guidelines On VA Home Mortgages

ByGustan Cho Posted onAugust 23, 2021October 13, 2021

This Article Is About The VA Maximum DTI Guidelines On VA Home Mortgages All government and conventional loan programs have…

Continue Reading VA Maximum DTI Guidelines On VA Home MortgagesContinue

Debt Versus Credit Scores During Mortgage Qualification
High Debt To Income Ratio

Debt Versus Credit Scores During Mortgage Qualification

ByGustan Cho Posted onAugust 23, 2021October 13, 2021

This Article Is About Debt Versus Credit Scores During Mortgage Qualification There is a negative impact on debt versus credit…

Continue Reading Debt Versus Credit Scores During Mortgage QualificationContinue

Debt To Income Ratio Required For Mortgage Depends On Loan Program
High Debt To Income Ratio | Videos

Debt To Income Ratio Required For Mortgage Depends On Loan Program

ByGustan Cho Posted onAugust 19, 2021August 19, 2021

This Article Is About Debt To Income Ratio Required For Mortgage Many mortgage applicants assume they will be guaranteed mortgage…

Continue Reading Debt To Income Ratio Required For Mortgage Depends On Loan ProgramContinue

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    Gustan Cho Associates are mortgage brokers 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. You can rest assured any owner-occupant primary home, second home, or investment property mortgage loan program in the marketplace, you will find them offered at Gustan Cho Associates Talk to a loan officer today

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    • About Us
      • Contact Us
      • Get Pre-Approved
      • Order Credit
      • FICO Simulator
      • MLO License School
      • Why Choose Us
      • Meet Our Team
      • NEXA Career Opportunities
        • How To Brand Yourself as a Loan Officer
      • Preferred Realtor Partner Network
        • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
        • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
      • Loan Officers
        • Michael Gracz
        • Ronda Butts
    • Types Of Mortgages
      • Purchase
        • Home Purchase Loans
        • Investment Property Loan
      • Refinance
        • Refinance Mortgage Options
        • Cash-Out Refinance
        • Chapter 13 Bankruptcy Cash-Out-Buyout
        • Rate And Term Refinance
        • 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
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      • MLO Revenue Share Residual Income Opportunity
    • Videos
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