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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
    • Mortgage Branch Careers
    • 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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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

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Credit Requirements
Home Mortgages | Conventional Loans | Credit Scores | FHA Loans | NON-QM Loans | VA Loans

Credit Requirements Needed To Get Approved For A Mortgage

ByAlex Carlucci Posted onJune 20, 2025June 20, 2025

Credit Requirements: What You Need to Know to Get a Mortgage If you’re planning to buy a home, one of…

Continue Reading Credit Requirements Needed To Get Approved For A MortgageContinue

Wholesale Mortgage Lenders for Non-Prime Loans
Home Mortgages | Bad Credit Mortgages

Best Wholesale Mortgage Lenders For Non-Prime Loans

ByApril Ramirez Posted onMay 5, 2025May 9, 2025

The Best Wholesale Mortgage Lenders for Non-Prime Loans: Your Complete Guide in 2025 Are you a borrower with less-than-perfect credit,…

Continue Reading Best Wholesale Mortgage Lenders For Non-Prime LoansContinue

Oceanfront Homes in Puerto Rico
Condominium Loans | Condotel and Non-Warrantable Condos | Conventional Loans | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Investing in Oceanfront Homes in Puerto Rico

ByApril Ramirez Posted onMarch 27, 2025March 31, 2025

The Ultimate Guide to Buying Oceanfront Homes in Puerto Rico (2025 Update) Picture starting your day with waves breaking against…

Continue Reading Investing in Oceanfront Homes in Puerto RicoContinue

California Mortgage Credit Certificate Program
Home Mortgages

California Mortgage Credit Certificate Program Guidelines

ByGustan Cho Posted onMarch 26, 2025March 31, 2025

The California Mortgage Credit Certificate Program (MCC) is a state initiative to assist first-time homebuyers and qualified veterans achieve homeownership…

Continue Reading California Mortgage Credit Certificate Program GuidelinesContinue

Buying a House in a Coastal City
Home Mortgages | Home Purchase | Real Estate Topic

Moving and Buying a House in a Coastal City in the U.S.

ByMargarett Jurilla Posted onMarch 20, 2025March 21, 2025

Buying a House in a Coastal City: The Ultimate Guide to Coastal Living and Homeownership Have you ever dreamed of…

Continue Reading Moving and Buying a House in a Coastal City in the U.S.Continue

Why You Should Not Get a 15-Year Fixed-Rate Mortgage
Home Mortgages | Mortgage Rates | Videos

Why You Should Not Get a 15-Year Fixed-Rate Mortgage

ByAlex Carlucci Posted onMarch 5, 2025March 5, 2025

Why You Should Not Get a 15-Year Fixed-Rate Mortgage: Think Twice Before Choosing a 15-year Fixed-Rate Mortgage. If you’re considering…

Continue Reading Why You Should Not Get a 15-Year Fixed-Rate MortgageContinue

Preparing to Qualify for Conventional Loans
Home Mortgages | Conventional Loans | Student Loans | Videos

Preparing To Qualify For Conventional Loans

ByGustan Cho Posted onMarch 4, 2025March 5, 2025

Preparing to Qualify for Conventional Loans: Your Step-by-Step Guide to Homeownership Are you ready to buy a home but unsure…

Continue Reading Preparing To Qualify For Conventional LoansContinue

Best Mortgage Loan for Buying a House
FHA Loans | Home Mortgages | NON-QM Loans | USDA Loans | VA Loans

What Is The Best Mortgage Loan For Buying A House?

ByGustan Cho Posted onFebruary 10, 2025February 11, 2025

What Is the Best Mortgage Loan for Buying a House? If you plan to buy a house, you probably wonder:…

Continue Reading What Is The Best Mortgage Loan For Buying A House?Continue

Does Co-Signing Affect in Buying Home
Non-Occupant Co-Borrowers | Home Mortgages | Real Estate Topic | Videos

Does Co-Signing Affect In Buying Home In The Future

ByGustan Cho Posted onJanuary 27, 2025January 30, 2025

Does Co-Signing Affect In Buying Home? Understanding How Co-Signing a Loan Impacts Your Future Have you ever considered co-signing a…

Continue Reading Does Co-Signing Affect In Buying Home In The FutureContinue

Buying Home Near Railroad Tracks
Home Purchase | Home Mortgages | Home Sellers | Real Estate Topic | Videos

Resale Value of Buying Home Near Railroad Tracks

ByGustan Cho Posted onJanuary 24, 2025January 27, 2025

Buying Home Near Railroad Tracks: Bargain or Bad Investment in 2025? Buying a home near railroad tracks can stir up…

Continue Reading Resale Value of Buying Home Near Railroad TracksContinue

Rent-to-Own a Home
Home Mortgages | Home Purchase

Rent-To-Own a Home With Home Partners of America

ByGustan Cho Posted onJanuary 16, 2025January 17, 2025

Rent-to-Own a Home: Your Path to Homeownership with Gustan Cho Associates Are you dreaming of owning a home but feeling…

Continue Reading Rent-To-Own a Home With Home Partners of AmericaContinue

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

QM-Qualified Mortgages
Home Mortgages | NON-QM Loans | Videos

What Are QM-Qualified Mortgages Versus Non-QM Loans

ByAlex Carlucci Posted onJanuary 14, 2025January 20, 2025

Understanding QM-Qualified Mortgages: What Borrowers Need to Know in 2025 If you’re thinking about buying a home or refinancing, chances…

Continue Reading What Are QM-Qualified Mortgages Versus Non-QM LoansContinue

Home Loan After Second Mortgage Charge-Off
Home Mortgages | Bad Credit Mortgages | Charge Off Accounts

Home Loan After Second Mortgage-Charge-Off

ByGustan Cho Posted onJanuary 10, 2025January 14, 2025

Home Loan After Second Mortgage Charge Off: Your Complete Guide to Getting Approved Qualifying for a home loan after a…

Continue Reading Home Loan After Second Mortgage-Charge-OffContinue

Home Loans in Wyoming
Bad Credit Mortgages | Home Mortgages | Videos

Quick Start to Home Loans in Wyoming: Apply Today

ByMike Gracz Posted onJanuary 6, 2025April 7, 2025

Unlocking Home Loans in Wyoming with Poor Credit: A Comprehensive Guide Are you based in Wyoming and struggling to secure…

Continue Reading Quick Start to Home Loans in Wyoming: Apply TodayContinue

What is an 80-10-10 or Piggyback Mortgage Loan
Home Mortgages | Videos

What Is An 80-10-10 Or Piggyback Mortgage Loan

ByGustan Cho Posted onDecember 26, 2024December 26, 2024

What Is an 80-10-10 or Piggyback Mortgage? Buying a home can be one of life’s most exciting yet challenging journeys….

Continue Reading What Is An 80-10-10 Or Piggyback Mortgage LoanContinue

Home Loan with Bad Credit in Iowa
Bad Credit Mortgages | Credit Scores | FHA Loans | Home Mortgages | Home Purchase | NON-QM Loans | USDA Loans | VA Loans

Home Loan With Bad Credit In Iowa With Competitive Rates

ByDale Elenteny Posted onDecember 9, 2024December 12, 2024

Home Loan With Bad Credit in Iowa: Your Complete Guide for 2024 Don’t lose hope if you have bad credit…

Continue Reading Home Loan With Bad Credit In Iowa With Competitive RatesContinue

Waiting Period Mortgage Guidelines
Home Mortgages | Mortgage After Bankruptcy and Foreclosure | Videos

Waiting Period Mortgage Guidelines After Housing Events

ByGustan Cho Posted onDecember 4, 2024May 13, 2025

This guide covers the waiting period mortgage guidelines after housing events and bankruptcy. Homebuyers with prior bankruptcy, foreclosure, deed-in-lieu of…

Continue Reading Waiting Period Mortgage Guidelines After Housing EventsContinue

Can You Get Denied for a Mortgage with Good Credit
Home Mortgages | Conditional Loan Approval | Mortgage Lender Overlays | Videos

Can You Get Denied For a Mortgage With Good Credit

ByGustan Cho Posted onNovember 27, 2024May 13, 2025

Can You Get Denied for a Mortgage With Good Credit? If you’re asking yourself, “Can you get denied for a…

Continue Reading Can You Get Denied For a Mortgage With Good CreditContinue

Manatee County Florida
Home Mortgages | Home Purchase | Real Estate Topic

Is Manatee County Florida a Good Place To Buy a House

ByGustan Cho Posted onNovember 26, 2024May 14, 2025

Manatee County Florida: Is It a Good Place to Buy a House in 2024? Are you thinking about buying a…

Continue Reading Is Manatee County Florida a Good Place To Buy a HouseContinue

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

California Facing Housing Shortage
Home Mortgages | Home Purchase | Real Estate Topic | Videos

California Facing Housing Shortage In 2024 Going Into 2025

ByApril Ramirez Posted onNovember 21, 2024May 15, 2025

California Facing Housing Shortage: What It Means for Homebuyers and Homeowners in 2024 California has long been a dream destination…

Continue Reading California Facing Housing Shortage In 2024 Going Into 2025Continue

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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

  • Credit Requirements
    Credit Requirements Needed To Get Approved For A MortgageJune 20, 2025
  • 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

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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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