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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
      • 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
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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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Call or Text: (800) 900-8569

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Gustancho Associates

Home Mortgages

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Rapid Rescore
Home Mortgages | Credit Disputes | Credit Scores | Mortgage Processing And Underwriting | Re-Establishing Credit | Videos

Using Rapid Rescore To Qualify For a Mortgage

ByGustan Cho Posted onOctober 25, 2024October 28, 2024

How Does Rapid Rescore Assist You in Securing a Mortgage in 2024? Imagine this: You’re almost ready to buy your…

Continue Reading Using Rapid Rescore To Qualify For a MortgageContinue

Chapter 11 Bankruptcy Guidelines on FHA and VA Loans
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Home Mortgages | VA Loans | Videos

Chapter 11 Bankruptcy Guidelines on FHA and VA Loans

ByGustan Cho Posted onOctober 1, 2024October 7, 2024

How to Get a Mortgage During or After Chapter 11 Bankruptcy (2024 Updates) If you’re recovering from Chapter 11 Bankruptcy,…

Continue Reading Chapter 11 Bankruptcy Guidelines on FHA and VA LoansContinue

Mortgage Guidelines With Unpaid Taxes To The IRS
Home Mortgages | FHA Loans | Tax Lien | Videos

Mortgage Guidelines With Unpaid Taxes To The IRS

ByGustan Cho Posted onOctober 1, 2024October 7, 2024

Mortgage Guidelines with Unpaid Taxes: Qualifying for a Home Loan in 2024 Are you worried about unpaid taxes standing in…

Continue Reading Mortgage Guidelines With Unpaid Taxes To The IRSContinue

Home Loan With Income Increase Mortgage Guidelines
Income And Employment | Home Mortgages | Mortgage Processing And Underwriting | Refinancing | Videos

Home Loan With Income Increase Mortgage Guidelines

ByGustan Cho Posted onSeptember 30, 2024October 7, 2024

Home Loan with Income Increase: Everything You Need to Know in 2024 Are you thinking about buying a home or…

Continue Reading Home Loan With Income Increase Mortgage GuidelinesContinue

Changing Lenders After Locking Rates
Bad Credit Mortgages | Home Mortgages | Mortgage Rates | Videos

Changing Lenders After Locking Rates During Mortgage Process

ByAnngelli Abenes Posted onSeptember 27, 2024October 7, 2024

Changing Lenders After Locking Rates: What You Need to Know in 2024 Locking in a mortgage rate is a critical…

Continue Reading Changing Lenders After Locking Rates During Mortgage ProcessContinue

Buying and Selling a Home at the Same Time
Home Mortgages | Home Purchase | Home Sellers | Selling Your Home | Videos

Buying and Selling a Home at the Same Time Without Stress

ByAnngelli Abenes Posted onSeptember 27, 2024October 7, 2024

Your 2024 Guide to Buying and Selling a Home at the Same Time Without the Stress Buying and selling a…

Continue Reading Buying and Selling a Home at the Same Time Without StressContinue

GREAT CONTENT AUTHORITY FORUMS
Headline News Archives | Home Mortgages | Home Purchase | Investment Homes | Mortgage Processing And Underwriting | NON-QM Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Regulations

Great Content Authority FORUMS: GCA FORUMS

ByAlex Carlucci Posted onSeptember 11, 2024September 11, 2024

This guide covers Great Content Authority FORUMS and Sub-FORUMS, commonly referred to GCA FORUMS. Great Content Authority FORUMS (GCA FORUMS)…

Continue Reading Great Content Authority FORUMS: GCA FORUMSContinue

HUD Credit Score Guidelines
Home Mortgages | Credit Scores | FHA Loans | Videos

HUD Credit Score Guidelines On FHA Home Loans

ByAnngelli Abenes Posted onAugust 30, 2024September 4, 2024

Understanding HUD Credit Score Guidelines in 2024 Are you dreaming of buying your first home but worried about your credit…

Continue Reading HUD Credit Score Guidelines On FHA Home LoansContinue

California Housing Market Forecast
Home Mortgages | High-Balance Mortgage Loans | Home Purchase | Real Estate Topic | Videos

California Housing Market Forecast For 2025

ByChad Bush Posted onJuly 30, 2024July 31, 2024

This article will discuss the California Housing Market Forecast for homebuyers of primary owner-occupant homes, second homes, investment homes, and…

Continue Reading California Housing Market Forecast For 2025Continue

FHA Guidelines On Credit Scores Versus DTI
Home Mortgages | FHA Loans | Videos

Understanding FHA Guidelines On Credit Scores Versus DTI

ByAnngelli Abenes Posted onJuly 29, 2024April 7, 2025

Borrowers who have credit scores under 620 FICO need a lower debt to income ratio to get an approve/eligible per automated underwriting system.

Continue Reading Understanding FHA Guidelines On Credit Scores Versus DTIContinue

Mortgage With a Recent Eviction
Home Mortgages | Bad Credit Mortgages | Verification Of Rent | Videos

Mortgage With a Recent Eviction: The Expert Guide

ByAnngelli Abenes Posted onJuly 12, 2024January 24, 2025

Is it possible to get a mortgage with a recent eviction? It’s a common worry – can someone get a…

Continue Reading Mortgage With a Recent Eviction: The Expert GuideContinue

Direct Versus Correspondent Lender
Home Mortgages | Mortgage Rates | Videos

Direct Versus Correspondent Lender Explained

ByAlex Carlucci Posted onJune 24, 2024April 7, 2025

In this article on the difference between a direct versus correspondent lender, we will explore the advantages and disadvantages of…

Continue Reading Direct Versus Correspondent Lender ExplainedContinue

Buying House In Community Property States
Home Mortgages | FHA Loans | Videos

Buying House In Community Property States

ByGustan Cho Posted onJune 24, 2024August 30, 2024

This guide covers buying house in community property states. Buying house in community property states can be tricky on certain…

Continue Reading Buying House In Community Property StatesContinue

Mortgage Options For Homebuyers in Idaho
Bad Credit Mortgages | Home Mortgages | Home Purchase | Videos

Mortgage Options For Homebuyers in Idaho With Bad Credit

ByDale Elenteny Posted onJune 21, 2024August 30, 2024

In this article, we will cover and discuss mortgage options for homebuyers in Idaho with bad credit and low credit…

Continue Reading Mortgage Options For Homebuyers in Idaho With Bad CreditContinue

Pre-Qualifying Borrowers
Home Mortgages | Automated Underwriting System | Qualifying & Getting Pre-approved | Videos

Pre-Qualifying Borrowers With Bad Credit For Mortgage Loans

ByGustan Cho Posted onJune 20, 2024April 7, 2025

In this blog, we will be covering pre-qualifying borrowers with bad credit for mortgage loans. This article on pre-qualifying borrowers…

Continue Reading Pre-Qualifying Borrowers With Bad Credit For Mortgage LoansContinue

Credit Score Mortgage Guideline
Home Mortgages | Mortgage Processing And Underwriting | NON-QM Loans | Videos

Minimum Credit Score Mortgage Guideline on Home Loans

ByGustan Cho Posted onJune 20, 2024August 30, 2024

This guide covers the minimum credit score mortgage guidelines on home loans. Income, credit, credit history, and credit scores are…

Continue Reading Minimum Credit Score Mortgage Guideline on Home LoansContinue

Buying Down Mortgage Rates With Discount Points
Home Mortgages | Mortgage Rates | Videos

Buying Down Mortgage Rates With Discount Points

ByGustan Cho Posted onJune 19, 2024August 30, 2024

In general, borrowers buy down mortgage rates to get a lower rate on their home loans. However, there are instances where borrowers need to buy down rates due to loan level pricing adjustments due to lower credit scores

Continue Reading Buying Down Mortgage Rates With Discount PointsContinue

Colorado Mortgage Loan Limits
Home Mortgages | FHA Loans | Real Estate Topic

Colorado Mortgage Loan Limits on FHA and Conforming Loans

ByMike Gracz Posted onJune 10, 2024August 30, 2024

This blog will explore and discuss the Colorado mortgage loan limits for FHA and Conventional Loans. Similar to trends nationwide,…

Continue Reading Colorado Mortgage Loan Limits on FHA and Conforming LoansContinue

FHA Versus Conforming Mortgages
Home Mortgages | Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Comparing FHA Versus Conforming Mortgages

ByGustan Cho Posted onJune 5, 2024August 30, 2024

This guide compares FHA versus conforming mortgages, the two most popular mortgage loan programs for homebuyers in the United States….

Continue Reading Comparing FHA Versus Conforming MortgagesContinue

Buying a House in Washington DC
Bad Credit Mortgages | Home Mortgages | video

Steps To Buying a House in Washington DC

ByGustan Cho Posted onMay 31, 2024August 30, 2024

In this blog, we will cover the frequently asked question of what are the steps to buying a house in…

Continue Reading Steps To Buying a House in Washington DCContinue

Qualifying Borrowers For Mortgage
Conditional Loan Approval | Home Mortgages | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Qualifying Borrowers For Mortgage on Purchase and Refinance

ByAnngelli Abenes Posted onMay 31, 2024January 31, 2025

This guide covers the process of qualifying borrowers for mortgage on home purchases and refinances. From the application stage to…

Continue Reading Qualifying Borrowers For Mortgage on Purchase and RefinanceContinue

Shopping For Insurance
Home Mortgages | Homeowners Insurance | Videos

Shopping For Insurance With Best Premium and Terms

ByMargarett Jurilla Posted onMay 29, 2024May 30, 2024

This guide covers shopping for insurance for the best premium and terms during the mortgage process. Shopping for insurance is…

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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

  • Bankruptcy or Foreclosure
    What’s Worse: Foreclosure or Bankruptcy?April 3, 2025
  • Steps in the Underwriting Process
    Steps In The Underwriting Process By Mortgage LendersApril 3, 2025
  • AUS Approval on Conventional Loans
    AUS Approval On Conventional Loans Versus Refer/EligibleApril 1, 2025
  • Buying a Home With a Well and Septic
    Easy Guide to Buying a Home with a Well and SepticMarch 31, 2025

DTI Calculators

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  • Conventional DTI Calculator
  • Jumbo DTI Calculator
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  • Conforming Loan Limits

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Resources

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  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
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  • 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: 3100 Ray Road Suite 201 Office # 209 | Chandler AZ 85226 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
      • 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
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