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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
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  • CareersExpand
    • Can Realtors Be MLOs At The Same Time
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      • 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

High Debt To Income Ratio

Home / High Debt To Income Ratio - Page 2
The Struggle of Car Loans
Auto Loans | High Debt To Income Ratio | Home Mortgages | Income And Employment | Qualifying & Getting Pre-approved | Videos

The Struggle of Car Loans During Mortgage Process

ByAlex Carlucci Posted onMarch 18, 2024August 9, 2024

This guide cover the struggle of car loans during the mortgage process. Looking to buy a new car? Like most…

Continue Reading The Struggle of Car Loans During Mortgage ProcessContinue

Remote Wage-Earner Mortgage Guidelines
Income And Employment | High Debt To Income Ratio | Videos

Remote Wage-Earner Mortgage Guidelines on Home Loans

ByGustan Cho Posted onMarch 15, 2024January 31, 2025

This guide covers remote wage-earner mortgage guidelines on home loans. Remote Wage-Earner Mortgage Guidelines On Home Loans allow borrowers who…

Continue Reading Remote Wage-Earner Mortgage Guidelines on Home LoansContinue

Income-Based Repayment
Student Loans | High Debt To Income Ratio | Videos

Income-Based Repayment Student Loan Mortgage Guidelines

ByGustan Cho Posted onFebruary 22, 2024January 31, 2025

 This guide aims to understand Income-Based Repayment Student Loan Mortgage Guidelines clearly. The daunting task of outstanding student loans presents…

Continue Reading Income-Based Repayment Student Loan Mortgage GuidelinesContinue

Fannie Mae Guidelines on Community Property States
Home Mortgages | Conventional Loans | FHA Loans | High Debt To Income Ratio | Videos

Fannie Mae Guidelines on Community Property States

ByEric Jeanette Posted onFebruary 5, 2024April 9, 2025

This guide provides clear information about Fannie Mae’s rules for Community Property States, helping people looking for mortgage information. It…

Continue Reading Fannie Mae Guidelines on Community Property StatesContinue

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 23, 2024January 24, 2025

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

Overlays on Debt-To-Income Ratio
FHA Loans | High Debt To Income Ratio | Mortgage Lender Overlays | Mortgage Processing And Underwriting | Videos

Overlays on Debt To Income Ratio on FHA Loans

ByGustan Cho Posted onJanuary 22, 2024July 29, 2024

This guide covers overlays on debt-to-income ratio on FHA loans. Homebuyers who got issued pre-approval from a mortgage loan originator…

Continue Reading Overlays on Debt To Income Ratio on FHA LoansContinue

Debt-to-Income Ratio Limit
High Debt To Income Ratio | Videos

Debt-To-Income Ratio Limit To Qualify For Mortgage Loan

ByGustan Cho Posted onJanuary 20, 2024July 29, 2024

This GUIDE covers debt-to-income ratio limit to qualify for a mortgage loan. Home loans and debt-to-income ratio limit. Every mortgage…

Continue Reading Debt-To-Income Ratio Limit To Qualify For Mortgage LoanContinue

Property Taxes Can Determine Buying Power
Property Taxes | High Debt To Income Ratio | Real Estate Topic | Videos

Property Taxes Can Determine Buying Power on Homes

ByAlex Carlucci Posted onJanuary 16, 2024July 29, 2024

This guide covers how property taxes can determine buying power on home purchase. Every homeowner needs to pay property taxes….

Continue Reading Property Taxes Can Determine Buying Power on HomesContinue

How Can I Qualify For W2-Only Income Mortgages
Income And Employment | First Time Home Buyers | High Debt To Income Ratio | Videos

How Can I Qualify For W2-Only Income Mortgages

ByAlex Carlucci Posted onJanuary 11, 2024July 24, 2024

Homebuyers with pending income tax returns or significant unreimbursed business expenses may be eligible for W2-only income mortgages. Gustan Cho…

Continue Reading How Can I Qualify For W2-Only Income MortgagesContinue

How Credit Card Balance Affect Debt-To-Income Ratio
Credit Scores | High Debt To Income Ratio | Videos

How Credit Card Balance Affect Debt-To-Income Ratio

ByGustan Cho Posted onJanuary 9, 2024January 9, 2024

This guide covers how credit card balance affect debt-to-income ratio for mortgage borrowers. We will discuss the negative impact how…

Continue Reading How Credit Card Balance Affect Debt-To-Income RatioContinue

Importance of Debt-to-Income Ratio In Mortgages
High Debt To Income Ratio | Videos

The Importance of Debt-To-Income Ratio in Mortgages

ByGustan Cho Posted onDecember 20, 2023July 26, 2024

This guide covers the importance of debt-to-income ratio in mortgages. Borrowers need to keep in mind the importance of debt-to-income…

Continue Reading The Importance of Debt-To-Income Ratio in MortgagesContinue

Calculating Monthly Mortgage Payment On Home Purchase
Home Mortgages | High Debt To Income Ratio | Income And Employment | Videos

Calculating Monthly Mortgage Payment on Home Purchase

ByGustan Cho Posted onNovember 30, 2023July 26, 2024

This guide covers calculating monthly mortgage payment on a home purchase. Many first-time homebuyers think they need a lot of…

Continue Reading Calculating Monthly Mortgage Payment on Home PurchaseContinue

Paying Down Credit Card Balances
High Debt To Income Ratio | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Paying Down Credit Card Balances To Boost Credit Scores

ByGustan Cho Posted onOctober 25, 2023December 18, 2023

This guide covers paying down credit card balances to boost credit scores and lower high debt-to-income ratios to qualify for…

Continue Reading Paying Down Credit Card Balances To Boost Credit ScoresContinue

Taking Out That Next Student Loan
Student Loans | High Debt To Income Ratio | Home Mortgages | Videos

How Taking Out That Next Student Loan Can Affect Mortgage

ByAlex Carlucci Posted onJuly 15, 2023October 8, 2024

This guide covers the risk of taking out that next student loan when getting a mortgage loan approved. If you…

Continue Reading How Taking Out That Next Student Loan Can Affect MortgageContinue

Debt-To-Income Ratio Overlays
High Debt To Income Ratio | FHA Loans | Home Mortgages | Videos

Debt-To-Income Ratio Overlays Versus Agency Guidelines

ByGustan Cho Posted onJuly 2, 2023July 25, 2024

This guide covers debt-to-income ratio overlays versus agency mortgage guidelines. We will be discussing what debt-to-income ratio overlays by independent…

Continue Reading Debt-To-Income Ratio Overlays Versus Agency GuidelinesContinue

Mortgage With High Student Loan Debts
Student Loans | High Debt To Income Ratio | Mortgage Processing And Underwriting | Videos

Qualifying For Mortgage With High Student Loan Debts

ByGustan Cho Posted onJune 30, 2023November 4, 2024

This guide covers qualifying for mortgage with high student loan debts. Every loan program has different guidelines on mortgage with…

Continue Reading Qualifying For Mortgage With High Student Loan DebtsContinue

Impact On Debt Versus Your Credit Scores
High Debt To Income Ratio

Debt Versus Credit Scores During Mortgage Qualification

ByGustan Cho Posted onAugust 23, 2021April 7, 2025

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

Undisclosed Debt Guidelines
High Debt To Income Ratio

Undisclosed Debt Guidelines On Government And Conventional Loans

ByDale Elenteny Posted onAugust 6, 2021March 1, 2024

Most undisclosed debts will be discovered by lenders during a third-party national search of public records.

Continue Reading Undisclosed Debt Guidelines On Government And Conventional LoansContinue

Home Loan With High DTI
High Debt To Income Ratio

Home Loan With High DTI And Bad Credit Guidelines

ByGustan Cho Posted onAugust 6, 2021April 7, 2025

Most lenders have a debt to income ratio cap on government and conventional loans. Lenders need to meet the minimum debt to income ratio caps. However, lenders can have their own DTI caps which is lower than the agency guidelines as part of their DTI lender overlays

Continue Reading Home Loan With High DTI And Bad Credit GuidelinesContinue

How Credit Scores Impact DTI
High Debt To Income Ratio

How Credit Scores Impact DTI On FHA And Conventional Loans

ByGustan Cho Posted onMay 5, 2019April 2, 2024

This BLOG On How Credit Scores Impact DTI On FHA And Conventional Loans Was UPDATED On May 5th, 2019 A person’s…

Continue Reading How Credit Scores Impact DTI On FHA And Conventional LoansContinue

Front End Debt To Income Ratios
High Debt To Income Ratio

Front End Debt To Income Ratios Mortgage Guidelines

ByGustan Cho Posted onNovember 12, 2018June 5, 2024

This BLOG On Front End Debt To Income Ratios Mortgage Guidelines Was UPDATED On November 12th, 2018 There are two different…

Continue Reading Front End Debt To Income Ratios Mortgage GuidelinesContinue

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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

  • Hard Money Lenders
    Simple Truth: What Are Hard Money Lenders and How They HelpMay 5, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansMay 5, 2025
  • Qualifying for Mortgage with Irregular Income
    Qualifying For Mortgage With Irregular IncomeApril 30, 2025
  • Home Loan with Tax Lien
    Home Loan With Tax Lien And Judgment Mortgage GuidelinesApril 29, 2025

DTI Calculators

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  • Jumbo DTI Calculator
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Resources

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  • GCA Approves When Others Can’t
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  • 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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