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    • 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
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      • 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
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      • FHA Collections
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      • W-2 Income Only FHA Loans
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      • 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
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    • Jumbo Mortgage
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Gustancho Associates

Home Mortgages

Home / Home Mortgages - Page 5
Comparison of Mortgage Rates
Mortgage Rates | Home Mortgages | Home Purchase | Refinancing | Videos

Comparison of Mortgage Rates on Purchase and Refinance

ByAlex Carlucci Posted onMay 1, 2024July 24, 2025

This guide covers comparison of mortgage rates on purchase and refinance loans. Mortgage rates have been steadily going up to…

Continue Reading Comparison of Mortgage Rates on Purchase and RefinanceContinue

Working With A Loan Officer
Home Mortgages | Videos

Working With A Loan Officer During The Mortgage Loan Process

ByAnngelli Abenes Posted onApril 30, 2024June 17, 2025

In this blog, we’ll explore the process of working with a loan officer during your mortgage application. Choosing a loan…

Continue Reading Working With A Loan Officer During The Mortgage Loan ProcessContinue

Using 401k To Purchase Home
Home Purchase | Down Payment Assistance | Home Mortgages | Videos

Using 401k To Purchase Home Down Payment

ByGustan Cho Posted onApril 28, 2024June 20, 2025

Many homebuyers have substantial value on their 401k. They can use up to 60% of the value of their 401k for their down payment and/or closing costs on their home purchase. The amount used from their 401k is not used for their debt to income ratio calculations.

Continue Reading Using 401k To Purchase Home Down PaymentContinue

Correspondent Lending
Home Mortgages | Mortgage Processing And Underwriting | Mortgage Rates | Videos

Correspondent Lending Versus Mortgage Brokers

ByGustan Cho Posted onApril 28, 2024June 20, 2025

This blog aims to explore the difference between correspondent lending and mortgage brokers. A common inquiry we receive regularly pertains…

Continue Reading Correspondent Lending Versus Mortgage BrokersContinue

What is PITI?
High Debt To Income Ratio | Home Mortgages | Videos

What Is PITI In Mortgage?

BySapna Sharma Posted onApril 28, 2024June 20, 2025

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

FHA Amendatory Clause
Appraisal | FHA Loans | Home Mortgages | video

What Is The FHA Amendatory Clause And Who Is Obligated To Sign It

ByGustan Cho Posted onApril 18, 2024June 24, 2025

The Federal Housing Administration (FHA), a segment of the United States Department of Housing and Urban Development, was established in…

Continue Reading What Is The FHA Amendatory Clause And Who Is Obligated To Sign ItContinue

ARM
Home Mortgages | Mortgage Rates | Refinancing | Videos

What is The Difference Between ARM Versus Fixed-Rate Mortgages

BySapna Sharma Posted onApril 17, 2024June 24, 2025

In this blog, we will cover ARM versus fixed-rate mortgages.  ARM stands for an adjustable-rate mortgage. Adjustable-Rate Mortgage is when…

Continue Reading What is The Difference Between ARM Versus Fixed-Rate MortgagesContinue

California FHA Loans
Home Mortgages | FHA Loans | First Time Home Buyers | VA Loans | video

California FHA Loans Versus Other Mortgage Options For Homebuyers

ByGustan Cho Posted onApril 16, 2024July 29, 2025

California FHA loans are a preferred mortgage solution for various borrowers, including first-time homebuyers, individuals with poor credit, and those…

Continue Reading California FHA Loans Versus Other Mortgage Options For HomebuyersContinue

VA Loans Residual Income
VA Loans | Home Mortgages | Income And Employment | Videos

VA Loans Residual Income Guidelines For 2024

ByAlex Carlucci Posted onApril 15, 2024June 25, 2025

Lenders can offer 100% with no mortgage insurance at competitive low mortgage rates on VA loans due to the government guarantee against loss or foreclosure on VA loans. VA loans have no maximum debt-to-income ratio cap on VA loans.

Continue Reading VA Loans Residual Income Guidelines For 2024Continue

Florida Housing Market
Home Purchase | Home Mortgages | Real Estate Topic | Rental Income | Videos

Florida Housing Market For Homebuyers and Renters

ByMargarett Jurilla Posted onApril 14, 2024June 25, 2025

There is no sign of any housing market crash, especially in Florida. Home prices are booming with no signs of any correction.

Continue Reading Florida Housing Market For Homebuyers and RentersContinue

Community Property States
Home Mortgages | video

Community Property States Mortgage Guidelines On DTI

ByMike Gracz Posted onApril 12, 2024June 25, 2025

This article will tackle the Community Property States Mortgage Guidelines On DTI. Understanding marital property rights can be intricate, especially…

Continue Reading Community Property States Mortgage Guidelines On DTIContinue

Bi-Weekly Mortgage Loan Payments
Home Mortgages | video

Bi-Weekly Mortgage Loan Payments Versus Monthly Payments

ByAlex Carlucci Posted onApril 9, 2024June 25, 2025

Transitioning from monthly to bi-weekly mortgage loan payments can be a strategic move for homeowners looking to expedite their mortgage…

Continue Reading Bi-Weekly Mortgage Loan Payments Versus Monthly PaymentsContinue

Credit Report vs Credit Scores
Home Mortgages | Credit Disputes | Credit Scores | Videos

How Underwriters Look at Credit Report vs Credit Scores

ByGustan Cho Posted onApril 9, 2024June 25, 2025

This blog will cover how mortgage underwriters look at credit report vs credit scores. Minimum credit scores are required to…

Continue Reading How Underwriters Look at Credit Report vs Credit ScoresContinue

HUD DACA Mortgage Guidelines
FHA Loans | Home Mortgages | Home Purchase | Videos

HUD DACA Mortgage Guidelines For DREAMERS on FHA Loans

ByLaurie Cho Posted onApril 8, 2024June 25, 2025

This article will cover HUD DACA mortgage guidelines on FHA loans for DREAMERS. Gustan Cho Associates have some good news…

Continue Reading HUD DACA Mortgage Guidelines For DREAMERS on FHA LoansContinue

QM Qualified Mortgages
Home Mortgages | Home Purchase | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Regulations | Videos

How Qualified Mortgages Affect Borrowers and Lenders

ByGustan Cho Posted onApril 8, 2024July 8, 2025

This guide covers how qualified mortgages affect borrowers and lenders on residential loans. To avoid another 2008 financial crisis, Congress…

Continue Reading How Qualified Mortgages Affect Borrowers and LendersContinue

Furnishing Your New Home Purchase
Home Improvement/Renovations | Home Mortgages | Home Purchase

Furnishing Your New Home Purchase Prior To Closing On Home Loan

ByMike Gracz Posted onApril 5, 2024June 25, 2025

Congrats on your new home purchase! We’ll guide you through the exciting process of Furnishing Your New Home Purchase Prior…

Continue Reading Furnishing Your New Home Purchase Prior To Closing On Home LoanContinue

Mortgage With Multiple Jobs
Income And Employment | Gaps In Employment | Home Mortgages | Videos

How To Calculate Income For Mortgage With Multiple Jobs

ByGustan Cho Posted onApril 4, 2024July 8, 2025

This blog will cover and discuss how to calculate income for mortgage with multiple jobs. Homebuyers can qualify for a…

Continue Reading How To Calculate Income For Mortgage With Multiple JobsContinue

Federal Employee Mortgage Loan Programs
Home Mortgages

Federal Employee Mortgage Loan Programs

ByGustan Cho Posted onApril 3, 2024June 27, 2025

In this mortgage guide, we will cover and discuss federal employee mortgage loan programs offered at Gustan Cho Associates Gustan…

Continue Reading Federal Employee Mortgage Loan ProgramsContinue

Child Support Mortgage Guidelines
Home Mortgages | FHA Loans

Child Support Mortgage Guidelines On Home Purchase And Refinance

ByGustan Cho Posted onApril 1, 2024July 2, 2025

What Are The Updated Child Support Mortgage Guidelines On Home Purchase And Refinance For 2021? You cannot have delinquent child support payments and qualify for a mortgage.

Continue Reading Child Support Mortgage Guidelines On Home Purchase And RefinanceContinue

Fannie Mae And Freddie Mac Versus HUD
Home Mortgages | Regulations

Fannie Mae And Freddie Mac Versus HUD Guidelines

ByGustan Cho Posted onApril 1, 2024July 7, 2025

This article explores the differences between Fannie Mae And Freddie Mac Versus HUD Guidelines. Acknowledging the complexity of the mortgage…

Continue Reading Fannie Mae And Freddie Mac Versus HUD GuidelinesContinue

Build Wealth
First Time Home Buyers | Home Mortgages | Home Purchase | Qualifying & Getting Pre-approved | Videos

Is Homeownership The Best Way To Build Wealth?

ByAlex Carlucci Posted onMarch 31, 2024July 7, 2025

This blog will cover how to build wealth by owning versus renting a home. We will show you how quickly…

Continue Reading Is Homeownership The Best Way To Build Wealth?Continue

Self-Employed Relocation Mortgage
Home Mortgages | Bank Statement Loans | Qualifying & Getting Pre-approved | Videos

Self-Employed Relocation Mortgage Guidelines And Challenges

ByGustan Cho Posted onMarch 28, 2024July 7, 2025

In this article, we will cover and discuss Self-Employed Relocation Mortgage Guidelines. Three primary categories of residential mortgages cater to…

Continue Reading Self-Employed Relocation Mortgage Guidelines And ChallengesContinue

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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

  • How Lenders Price Refinance Mortgage Rates
    How Lenders Price Refinance Mortgage RatesAugust 24, 2025
  • How Do Mortgage Underwriters View Assets
    How Do Mortgage Underwriters View Assets For Down PaymentAugust 24, 2025
  • Government Mortgages
    Government Mortgages For Owner-Occupant HomebuyersAugust 24, 2025
  • FHA Streamline Refinance Utah
    FHA Streamline Refinance Utah Mortgage GuidelinesAugust 24, 2025

DTI Calculators

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  • Jumbo DTI Calculator
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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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