Skip to content

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

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 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
      • 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
  • BlogsExpand
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

Home Mortgages

Home / Home Mortgages
Washington DC Lenders
High-Balance Mortgage Loans | Home Mortgages | Investment Homes | NON-QM Loans | Videos

Washington DC Lenders For Traditional and Non-QM Mortgages

ByMike Gracz Posted onSeptember 12, 2025September 12, 2025

In this blog, we will cover and discuss the top-rated five-star Washington DC lenders for traditional and non-QM mortgages who…

Continue Reading Washington DC Lenders For Traditional and Non-QM MortgagesContinue

Mortgage Escrow Account
Videos | Home Mortgages | Home Purchase | Mortgage Refinance

What is a Mortgage Escrow Account for Purchase and Refinance

ByGustan Cho Posted onSeptember 11, 2025September 11, 2025

Ever wonder why your monthly mortgage payment feels higher than expected? The answer is often hidden in mortgage escrow accounts….

Continue Reading What is a Mortgage Escrow Account for Purchase and RefinanceContinue

What Lenders Want to See in a Borrower
Home Mortgages

What Lenders Want to See in a Borrower for Fast Approval

ByGustan Cho Posted onSeptember 8, 2025September 11, 2025

Qualifying for a mortgage in 2025 can feel overwhelming, especially with today’s stricter credit models and lender guidelines. But here’s…

Continue Reading What Lenders Want to See in a Borrower for Fast ApprovalContinue

Escrow Account Mortgage Guidelines
Conventional Loans | FHA Loans | Home Mortgages | Videos

Escrow Account Mortgage Guidelines on Home Mortgage Loans

ByJohn Strange Posted onSeptember 4, 2025September 5, 2025

Buying a home is exciting, but it also comes with new responsibilities. Property taxes, homeowners’ insurance, and mortgage payments can…

Continue Reading Escrow Account Mortgage Guidelines on Home Mortgage LoansContinue

Roles of Fannie Mae and Freddie Mac
Home Mortgages

Roles of Fannie Mae and Freddie Mac in The Mortgage Industry

ByGustan Cho Posted onSeptember 1, 2025September 3, 2025

In this blog, we will cover and discuss the roles of Fannie Mae and Freddie Mac in the housing and…

Continue Reading Roles of Fannie Mae and Freddie Mac in The Mortgage IndustryContinue

Buying a Beachfront Property in Florida
Home Mortgages | Home Purchase | Real Estate Topic | Videos

Smart Tips for Buying a Beachfront Property in Florida

ByDale Elenteny Posted onAugust 25, 2025August 26, 2025

Buying a Beachfront Property in Florida: Everything You Need to Know Florida’s sunshine, sandy beaches, and breathtaking views have made…

Continue Reading Smart Tips for Buying a Beachfront Property in FloridaContinue

How Do Mortgage Underwriters View Assets
Home Mortgages | Home Purchase | Mortgage Processing And Underwriting | Proof of Funds

How Do Mortgage Underwriters View Assets For Down Payment

ByGustan Cho Posted onAugust 24, 2025August 25, 2025

In this article, we will cover and discuss how do mortgage underwriters view assets for down payment on home purchases….

Continue Reading How Do Mortgage Underwriters View Assets For Down PaymentContinue

Buying a House in Savannah Georgia
First Time Home Buyers | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Your Dream Starts: Buying a House in Savannah Georgia

ByMargarett Jurilla Posted onAugust 22, 2025September 2, 2025

Buying a House in Savannah, Georgia: Your 2025 Guide to Homeownership If you’ve been considering buying a house in Savannah…

Continue Reading Your Dream Starts: Buying a House in Savannah GeorgiaContinue

Online Mortgage Shopping
Home Mortgages

Online Mortgage Shopping Changed Mortgage Lending

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss how online mortgage shopping changed mortgage lending. The greatest benefits of online…

Continue Reading Online Mortgage Shopping Changed Mortgage LendingContinue

Refinancing Your California Mortgage Loan
Home Mortgages | FHA and VA Streamline Refinance | FHA Loans | Videos

Refinancing Your California Mortgage Loan

ByLaurie Cho Posted onAugust 20, 2025August 21, 2025

Refinancing Your California Mortgage Loan in 2025: A Complete Guide If you’re a California homeowner, you’ve probably heard friends or…

Continue Reading Refinancing Your California Mortgage LoanContinue

Conditional Mortgage Approval Versus Pre-Approval
Home Mortgages | Videos

Conditional Mortgage Approval Versus Pre-Approval

ByAlex Carlucci Posted onAugust 20, 2025August 21, 2025

Conditional Mortgage Approval Versus Pre-Approval: What Borrowers Need to Know in 2025 Buying a home is super exciting, but the…

Continue Reading Conditional Mortgage Approval Versus Pre-ApprovalContinue

Best Places to Buy Waterfront Property
Home Mortgages | Home Purchase | NON-QM Loans | Real Estate Topic | Second Homes | Videos

The Best Places To Buy Waterfront Property For Boating

ByMargarett Jurilla Posted onAugust 19, 2025August 20, 2025

Are you dreaming of waking up to sunrise views over the water, spending weekends boating, or owning a vacation home…

Continue Reading The Best Places To Buy Waterfront Property For BoatingContinue

When Rent When You Can Own a Home
FHA Loans | First Time Home Buyers | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Why Rent When You Can Own a Home With DPA

ByGustan Cho Posted onAugust 18, 2025August 27, 2025

Introduction: Why Rent When You Can Own a Home? Renters across the U.S. ask the same question in 2025: Why…

Continue Reading Why Rent When You Can Own a Home With DPAContinue

How To Prepare For Mortgage
Home Mortgages

How To Prepare For Mortgage For First-Time Homebuyers

ByAlex Carlucci Posted onAugust 15, 2025August 18, 2025

This guide covers how to prepare for mortgage for first-time homebuyers. The best way on how to prepare for mortgage…

Continue Reading How To Prepare For Mortgage For First-Time HomebuyersContinue

Reserve Requirements on a Home Loan
Home Mortgages

Reserve Requirements on a Home Loan By Mortgage Lenders

ByGustan Cho Posted onAugust 15, 2025August 18, 2025

Reserve Requirements on a Home Loan: 2025 Guide for Homebuyers If you’re planning to buy a home or refinance, you…

Continue Reading Reserve Requirements on a Home Loan By Mortgage LendersContinue

Fannie Mae HomeStyle Mortgage
Conventional Loans | Home Improvement/Renovations | Home Mortgages | Videos

Fannie Mae HomeStyle Mortgage: One Loan, Big Makeover

ByGustan Cho Posted onAugust 6, 2025September 2, 2025

Fannie Mae HomeStyle Mortgage: 2025 Guide to Renovate or Remodel With One Loan Have you been dreaming of a new…

Continue Reading Fannie Mae HomeStyle Mortgage: One Loan, Big MakeoverContinue

Avoid Customer Complaints as a loan Officer
Home Mortgages

Avoid Customer Complaints as a Loan Officer and Win Trust

ByAlex Carlucci Posted onAugust 5, 2025September 3, 2025

How to Avoid Customer Complaints as a Loan Officer: Proven Tips That Work The mortgage business is full of moving…

Continue Reading Avoid Customer Complaints as a Loan Officer and Win TrustContinue

Florida Homeowners Insurance
Home Mortgages | Home Purchase | Homeowners Insurance

Florida Homeowners Insurance: Save Big and Stay Protected

ByGustan Cho Posted onAugust 1, 2025September 3, 2025

Florida Homeowners Insurance: 2025 Crisis, Costs & Smart Solutions Florida homeowners insurance isn’t just a checkbox—it’s your safety net. Suppose…

Continue Reading Florida Homeowners Insurance: Save Big and Stay ProtectedContinue

Fannie Mae NON-Citizens Mortgage
Home Mortgages

Fannie Mae NON-Citizens Mortgage Guidelines

ByJohn Strange Posted onAugust 1, 2025August 4, 2025

This guide covers Fannie Mae non-citizens mortgage guidelines on conventional loans. Recently Fannie Mae added clarity to Fannie Mae non-citizens…

Continue Reading Fannie Mae NON-Citizens Mortgage GuidelinesContinue

FICO Credit Scores
Home Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

FICO Credit Score Requirements To Qualify For a Mortgage

ByGustan Cho Posted onJuly 31, 2025August 1, 2025

FICO Credit Score: Mortgage Requirements and How to Qualify in 2025 Your FICO credit score plays a significant role in…

Continue Reading FICO Credit Score Requirements To Qualify For a MortgageContinue

Types of Mortgage Lenders For Home Loan Programs
NON-QM Loans | Home Mortgages | Qualifying & Getting Pre-approved | Videos

Types of Mortgage Lenders For Best Rates and Loan Options

ByAlex Carlucci Posted onJuly 26, 2025July 28, 2025

In this blog, we will discuss and cover the types of mortgage lenders homebuyers can consult with to get pre-approved…

Continue Reading Types of Mortgage Lenders For Best Rates and Loan OptionsContinue

Why Do Lenders Have Different Requirement On Credit Scores
Home Mortgages

Why Do Lenders Have Different Requirement on Credit Scores

ByGustan Cho Posted onJuly 25, 2025July 28, 2025

This guide covers why do lenders have different requirement on credit scores. There are mortgage lending guidelines on the minimum…

Continue Reading Why Do Lenders Have Different Requirement on Credit ScoresContinue

Page navigation

1 2 3 … 10 Next PageNext

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

  • Washington DC Lenders
    Washington DC Lenders For Traditional and Non-QM MortgagesSeptember 12, 2025
  • Mortgage Escrow Account
    What is a Mortgage Escrow Account for Purchase and RefinanceSeptember 11, 2025
  • Colorado VA Lenders
    Colorado VA Lenders For Bad Credit With No Lender OverlaysSeptember 10, 2025
  • Mortgage Guidelines After Unemployment
    Mortgage Guidelines After Unemployment You Can TrustSeptember 10, 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

  • Facebook
  • LinkedIn
  • YouTube
  • Instagram
  • TikTok
  • Tumblr

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.
Disclaimer | Licenses | Copyrights | Privacy  NMLS Consumer Access© 2025 - Gustan Cho Associates. All Rights Reserved.SiteLock
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
Search