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Gustan Cho Associates
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    • Contact Us
    • Get Pre-Approved
    • Order Credit
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    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
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      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
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      • Investment Property Loan
    • RefinanceExpand
      • Refinance Mortgage Options
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      • FHA Manual Underwriting
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      • FHA Loan With Judgment
    • VA Home LoansExpand
      • VA Manual Underwriting
      • VA Chapter 13 Bankruptcy Guidelines
      • VA Loans For Bad Credit
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      • 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
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      • 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
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Call or Text: (800) 900-8569

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Manual Underwriting

Home / Manual Underwriting
Refinancing During Chapter 13 Bankruptcy
FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Mortgage Refinance | VA Loans

Refinancing During Chapter 13 Bankruptcy Repayment

ByGustan Cho Posted onFebruary 17, 2025February 19, 2025

Is it Possible to Refinance During Chapter 13 Bankruptcy? Yes, refinancing during Chapter 13 bankruptcy is possible! Many homeowners think…

Continue Reading Refinancing During Chapter 13 Bankruptcy RepaymentContinue

VA DTI Manual Underwriting Guidelines
VA Loans | Manual Underwriting | Videos

VA DTI Manual Underwriting Guidelines on VA Loans

ByGustan Cho Posted onFebruary 3, 2025April 25, 2025

VA DTI Manual Underwriting Guidelines: How to Qualify for a VA Loan with High DTI in 2025 For veterans or…

Continue Reading VA DTI Manual Underwriting Guidelines on VA LoansContinue

FHA Manual Underwriting Mortgage Guidelines
Manual Underwriting | FHA Loans | Verification Of Rent | video | Videos

FHA Manual Underwriting Mortgage Guidelines

ByGustan Cho Posted onJanuary 29, 2025March 11, 2025

FHA Manual Underwriting Mortgage Guidelines: 2025 Update If you’re applying for an FHA loan and received a “Refer/Eligible” from the…

Continue Reading FHA Manual Underwriting Mortgage GuidelinesContinue

DTI Manual Underwriting Guidelines
Manual Underwriting | Compensating Factors | FHA Loans | High Debt To Income Ratio | VA Loans | Verification Of Rent | Videos

DTI Manual Underwriting Guidelines on FHA and VA Loans

ByAlex Carlucci Posted onJanuary 24, 2025April 7, 2025

Understanding DTI Manual Underwriting Guidelines for FHA, VA, Non-QM, and Alternative Loans (2025 Update) Debt-to-income (DTI) manual underwriting guidelines are…

Continue Reading DTI Manual Underwriting Guidelines on FHA and VA LoansContinue

FHA Loan with Recent Late Payments
Bad Credit Mortgages | FHA Loans | Manual Underwriting | Mortgage With Late Payments | Videos

FHA Loan With Recent Late Payments in the Past 12 Months

ByGustan Cho Posted onJanuary 23, 2025April 10, 2025

FHA Loan with Recent Late Payments: A Guide to Qualifying in 2025 Suppose you’ve had recent late payments on your…

Continue Reading FHA Loan With Recent Late Payments in the Past 12 MonthsContinue

When Is Rental Verification Required
Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Verification Of Rent | Videos

When Is Rental Verification Required By Mortgage Lenders

ByGustan Cho Posted onJanuary 23, 2025April 10, 2025

When Is Rental Verification Required? A Complete Guide for Borrowers in 2025 One of the most common questions we hear…

Continue Reading When Is Rental Verification Required By Mortgage LendersContinue

Liabilities in Mortgage Qualification
Mortgage Processing And Underwriting | High Debt To Income Ratio | Manual Underwriting | Student Loans | video

How Do Underwriters View Liabilities In Mortgage Qualification

ByGustan Cho Posted onDecember 19, 2024December 26, 2024

How Underwriters View Liabilities in Mortgage Qualification (Updated for 2024) When applying for a mortgage, understanding how underwriters evaluate liabilities…

Continue Reading How Do Underwriters View Liabilities In Mortgage QualificationContinue

Manual Underwriting During Chapter 13
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | VA Loans | Videos

Manual Underwriting During Chapter 13 Mortgage Process

ByGustan Cho Posted onDecember 19, 2024December 26, 2024

In this article, we will discuss and cover manual underwriting during Chapter 13 mortgage process. Homebuyers can qualify for an…

Continue Reading Manual Underwriting During Chapter 13 Mortgage ProcessContinue

HUD Manual Underwriting DTI Guidelines
Manual Underwriting | Compensating Factors | FHA Loans | Videos

HUD Manual Underwriting DTI Guidelines: Your Approval Guide

ByEric Jeanette Posted onDecember 6, 2024December 9, 2024

HUD Manual Underwriting DTI Guidelines: Everything You Need to Know in 2024 If you’ve been denied a mortgage because your…

Continue Reading HUD Manual Underwriting DTI Guidelines: Your Approval GuideContinue

Mortgage Guidelines After Bankruptcy and Foreclosure
FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | NON-QM Loans | USDA Loans | VA Loans | Videos

Mortgage Guidelines After Bankruptcy and Foreclosure

ByGustan Cho Posted onOctober 17, 2024May 20, 2025

Mortgage Guidelines After Bankruptcy and Foreclosure in 2024 If you’ve been through bankruptcy or foreclosure, you might feel like owning…

Continue Reading Mortgage Guidelines After Bankruptcy and ForeclosureContinue

FHA Chapter 13 Bankruptcy Guidelines
Videos | FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | VA Loans | Verification Of Rent

FHA Chapter 13 Bankruptcy Guidelines

ByGustan Cho Posted onSeptember 24, 2024May 20, 2025

FHA Chapter 13 Bankruptcy Guidelines allow homebuyers and homeowners to qualify for FHA loans for home purchases and refinance during…

Continue Reading FHA Chapter 13 Bankruptcy GuidelinesContinue

HUD DTI Guidelines on Manual vs AUS Findings
Manual Underwriting | Videos

HUD DTI Guidelines on Manual vs AUS Findings on FHA Loans

ByAnngelli Abenes Posted onAugust 28, 2024May 21, 2025

HUD DTI Guidelines on Manual vs AUS Findings: What You Need to Know for 2024 When buying a home with…

Continue Reading HUD DTI Guidelines on Manual vs AUS Findings on FHA LoansContinue

FHA Chapter 13 Manual Underwriting
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | Videos

Simple Steps for FHA Chapter 13 Manual Underwriting

ByAnngelli Abenes Posted onAugust 1, 2024May 23, 2025

Today, our blog post will explore the FHA Chapter 13 Manual Underwriting Guidelines in detail. If you’re in the middle…

Continue Reading Simple Steps for FHA Chapter 13 Manual UnderwritingContinue

Best Minnesota Mortgage Lenders For Bad Credit
Bad Credit Mortgages | Credit Scores | FHA Loans | Manual Underwriting | NON-QM Loans | VA Loans | Videos

Best Minnesota Mortgage Lenders For Bad Credit in 2024

ByAnngelli Abenes Posted onJuly 12, 2024September 4, 2024

  Looking for the best Minnesota mortgage lenders for bad credit might seem daunting, but it doesn’t have to be….

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VA Loan During Chapter 13 Bankruptcy
Bad Credit Mortgages | Bankruptcy | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

VA Loan During Chapter 13 Bankruptcy: What You Need to Know

ByAnngelli Abenes Posted onJuly 12, 2024February 11, 2025

What are the VA Agency Guidelines to qualify for a VA loan during Chapter 13 Bankruptcy

Continue Reading VA Loan During Chapter 13 Bankruptcy: What You Need to KnowContinue

Mortgage Approval Process On Manual Underwriting
Manual Underwriting | FHA Loans | VA Loans | Verification of Employment | Videos

Mortgage Approval Process On Manual Underwriting

ByAnngelli Abenes Posted onJuly 9, 2024April 7, 2025

Mortgage Approval Process on Manual Underwriting: A Comprehensive Guide for 2024 The mortgage approval process can be overwhelming, especially with…

Continue Reading Mortgage Approval Process On Manual UnderwritingContinue

VA TBD Manual Underwriting
Manual Underwriting | Bankruptcy | VA Loans | Videos

VA TBD Manual Underwriting Guidelines On Pre-Approvals

ByMike Gracz Posted onJune 18, 2024August 30, 2024

This article is about VA TBD Manual Underwriting Mortgage Guidelines On Pre-Approvals VA TBD Manual Underwriting Mortgage Process. Gustan Cho…

Continue Reading VA TBD Manual Underwriting Guidelines On Pre-ApprovalsContinue

VA Chapter 13 Bankruptcy Buy-Out
VA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Videos

VA Chapter 13 Bankruptcy Buy-Out Cash-Out Refinance

ByAlex Carlucci Posted onJune 12, 2024August 30, 2024

This article will discuss the buy-out cash-out refinance option for VA Chapter 13 Bankruptcy. A VA Chapter 13 Bankruptcy buy-out…

Continue Reading VA Chapter 13 Bankruptcy Buy-Out Cash-Out RefinanceContinue

Layered Risk In Manual Underwriting
Manual Underwriting | Automated Underwriting System | Videos

What Factors Are Considered Layered Risk In Manual Underwriting

ByAnngelli Abenes Posted onMay 30, 2024August 29, 2024

In this blog, we will be discussing the factors that are considered layered risks in manual underwriting. FHA and VA…

Continue Reading What Factors Are Considered Layered Risk In Manual UnderwritingContinue

FHA AUS Approval Versus Manual Underwriting
Automated Underwriting System | FHA Loans | Manual Underwriting | Videos

FHA AUS Approval Versus Manual Underwriting On FHA Loans

ByGustan Cho Posted onMay 30, 2024August 29, 2024

This Article Is About FHA AUS Approval Versus Manual Underwriting On FHA Loans  HUD, the parent of the Federal Housing…

Continue Reading FHA AUS Approval Versus Manual Underwriting On FHA LoansContinue

HUD FHA 203k Loans Manual Underwriting Guidelines
FHA 203k Loan | Manual Underwriting | Videos

HUD FHA 203k Loans Manual Underwriting Guidelines

ByLaurie Cho Posted onMay 19, 2024August 28, 2024

This guide covers HUD FHA 203k loans manual underwriting guidelines on renovation loans. HUD FHA 203k loans manual underwriting guidelines…

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Why Do Mortgage Lenders Ask For Reserves
Mortgage Processing And Underwriting | Manual Underwriting | Muti-Family Investment | Videos

Why Do Mortgage Lenders Ask For Reserves From Borrowers

ByAnngelli Abenes Posted onMay 13, 2024August 28, 2024

When And Why Do Mortgage Lenders Ask For Reserves? On VA and FHA manual underwriting, one month’s reserves are required. Multi-family units require reserves by homebuyers.

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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

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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
      • 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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