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

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

Mortgage After Bankruptcy and Foreclosure

Home / Mortgage After Bankruptcy and Foreclosure
Mortgage One Day Out Of Foreclosure
Mortgage After Bankruptcy and Foreclosure | Mortgage Refinance

Mortgage One Day Out of Foreclosure Lending Guidelines

ByGustan Cho Posted onJuly 14, 2025July 17, 2025

Mortgage One Day Out of Foreclosure: How to Get Approved Fast in 2025 Are you trying to get a mortgage…

Continue Reading Mortgage One Day Out of Foreclosure Lending GuidelinesContinue

Mortgage After Bankruptcy
Mortgage After Bankruptcy and Foreclosure

Can I Get a Mortgage After Bankruptcy

ByGustan Cho Posted onJuly 14, 2025July 16, 2025

This guide covers the minimum lending requirements with getting approved for a mortgage after bankruptcy. Bankruptcy is a federal law…

Continue Reading Can I Get a Mortgage After BankruptcyContinue

Short Sale Home Purchase
Mortgage After Bankruptcy and Foreclosure

Short Sale Home Purchase Process For Homebuyers

ByGustan Cho Posted onJuly 10, 2025July 10, 2025

This guide covers short sale home purchase process by homebuyers. Due to the financial and credit collapse of 2008, foreclosures…

Continue Reading Short Sale Home Purchase Process For HomebuyersContinue

Waiting Period After Mortgage Part Of Bankruptcy Guidelines
Conventional Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Waiting Period After Mortgage Part of Bankruptcy Guidelines

ByGustan Cho Posted onJuly 10, 2025July 11, 2025

This guide covers the Fannie Mae guidelines on conventional loans with a waiting period after mortgage part of bankruptcy. Many…

Continue Reading Waiting Period After Mortgage Part of Bankruptcy GuidelinesContinue

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 onJuly 7, 2025July 7, 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

Foreclosure In Mortgage Qualification
Mortgage After Bankruptcy and Foreclosure

Foreclosure In Mortgage Qualification Lending Guidelines

ByJohn Strange Posted onJuly 2, 2025July 3, 2025

This guide covers foreclosure in mortgage qualification lending guidelines. We will thoroughly discuss the waiting period requirements when there is…

Continue Reading Foreclosure In Mortgage Qualification Lending GuidelinesContinue

Jumbo Loans Chapter 13 Bankruptcy Guidelines
Mortgage After Bankruptcy and Foreclosure | High-Balance Mortgage Loans | Jumbo Loans | NON-QM Loans | Videos

Jumbo Loans Chapter 13 Bankruptcy Guidelines

ByGustan Cho Posted onMarch 24, 2025July 16, 2025

Jumbo Loans Chapter 13 Bankruptcy Guidelines: How to Get Approved in 2025 Many homebuyers think filing Chapter 13 bankruptcy means…

Continue Reading Jumbo Loans Chapter 13 Bankruptcy GuidelinesContinue

Conforming Loans After Bankruptcy and Foreclosure
Bankruptcy | Mortgage After Bankruptcy and Foreclosure | video

Conforming Loans After Bankruptcy and Foreclosure

ByGustan Cho Posted onFebruary 25, 2025February 27, 2025

Conforming Loans After Bankruptcy and Foreclosure: How to Get Approved If you’ve gone through bankruptcy or foreclosure, you might think…

Continue Reading Conforming Loans After Bankruptcy and ForeclosureContinue

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, 2025July 16, 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

FHA Loan During Chapter 13 Bankruptcy in Arizona
FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

FHA Loan During Chapter 13 Bankruptcy in Arizona

ByGustan Cho Posted onFebruary 12, 2025March 11, 2025

FHA Loan During Chapter 13 Bankruptcy in Arizona: How to Get Approved in 2025 Buying a home while navigating Chapter…

Continue Reading FHA Loan During Chapter 13 Bankruptcy in ArizonaContinue

Reaffirming Debts After Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Videos

Reaffirming Debts After Bankruptcy

ByGustan Cho Posted onJanuary 21, 2025May 5, 2025

Reaffirming Debts After Bankruptcy: A Complete Guide for Borrowers in 2025 Filing for bankruptcy can feel like a major setback,…

Continue Reading Reaffirming Debts After BankruptcyContinue

Freddie Mac Bankruptcy Guidelines on Conventional Loans
Conventional Loans | Bankruptcy | Mortgage After Bankruptcy and Foreclosure | NON-QM Loans

Freddie Mac Bankruptcy Guidelines on Conventional Loans

ByGustan Cho Posted onJanuary 17, 2025January 20, 2025

In this blog, we will discuss and cover Freddie Mac bankruptcy guidelines on conventional loans. Mortgage borrowers can qualify for…

Continue Reading Freddie Mac Bankruptcy Guidelines on Conventional LoansContinue

FHA Back to Work Mortgage
FHA Loans | Headline News Archives | Mortgage After Bankruptcy and Foreclosure | NON-QM Loans | Videos

FHA Back To Work Mortgage Waives Bankruptcy and Foreclosure

ByAlex Carlucci Posted onJanuary 14, 2025July 29, 2025

This guide covers the ill-fated HUD’s FHA Back to Work Mortgage. The FHA Back to Work Mortgage no longer exists….

Continue Reading FHA Back To Work Mortgage Waives Bankruptcy and ForeclosureContinue

Conventional Loan After Short Sale
Mortgage After Bankruptcy and Foreclosure | Conventional Loans | Videos

Conventional Loan After Short Sale Mortgage Guidelines

ByGustan Cho Posted onJanuary 10, 2025January 14, 2025

Conventional Loan After Short Sale: Your Guide to Getting Back on Track Life can throw curveballs, and for many homeowners,…

Continue Reading Conventional Loan After Short Sale Mortgage GuidelinesContinue

Abandoned Pets
Mortgage After Bankruptcy and Foreclosure

What Happens To Abandoned Pets Due To Foreclosure

ByGustan Cho Posted onJanuary 3, 2025January 14, 2025

What Happens to Abandoned Pets Due to Foreclosure? Insights and Solutions for 2024 Facing Foreclosure: A Tough Reality Losing a…

Continue Reading What Happens To Abandoned Pets Due To ForeclosureContinue

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, 2024July 16, 2025

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

Home Loan After Deed in Lieu of Foreclosure
Mortgage After Bankruptcy and Foreclosure

Qualifying For Home Loan After Deed In Lieu Of Foreclosure

ByGustan Cho Posted onDecember 6, 2024December 9, 2024

Qualifying for a Home Loan After Deed in Lieu of Foreclosure in 2024 Life happens. Financial struggles can force homeowners…

Continue Reading Qualifying For Home Loan After Deed In Lieu Of ForeclosureContinue

Buying a Foreclosed Home
Mortgage After Bankruptcy and Foreclosure | Real Estate Topic | Videos

Buying a Foreclosed Home as First-Time Homebuyers

ByGustan Cho Posted onDecember 5, 2024July 29, 2025

Buying a Foreclosed Home: A First-Time Homebuyer’s Guide for 2024 If you’re considering buying a foreclosed home as a first-time…

Continue Reading Buying a Foreclosed Home as First-Time HomebuyersContinue

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

Conventional Loan After Chapter 13
Mortgage After Bankruptcy and Foreclosure

Conventional Loan After Chapter 13 Bankruptcy Guidelines

ByGustan Cho Posted onDecember 3, 2024July 16, 2025

Can You Get a Conventional Loan After Chapter 13 Bankruptcy? Your Complete Guide to 2024 Requirements and Options If you’ve…

Continue Reading Conventional Loan After Chapter 13 Bankruptcy GuidelinesContinue

Best Mortgage Lenders After Bankruptcy
Bad Credit Mortgages | FHA Loans | Mortgage After Bankruptcy and Foreclosure | VA Loans

Best Mortgage Lenders After Bankruptcy | Lenient Guidelines

ByGustan Cho Posted onNovember 22, 2024May 14, 2025

The Best Mortgage Lenders After Bankruptcy: Your Path to Homeownership in 2024 Buying a home might feel like a far-off…

Continue Reading Best Mortgage Lenders After Bankruptcy | Lenient GuidelinesContinue

Debt Settlement Versus Bankruptcy Mortgage Guidelines
Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Debt Settlement Versus Bankruptcy Mortgage Guidelines

ByGustan Cho Posted onNovember 15, 2024July 28, 2025

Debt Settlement Versus Bankruptcy: A Guide for Mortgage Borrowers in 2024 If you’re juggling debt and trying to figure out…

Continue Reading Debt Settlement Versus Bankruptcy Mortgage GuidelinesContinue

Page navigation

1 2 3 … 6 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

  • Mistakes Sellers Make Choosing a Realtor
    Mistakes Sellers Make Choosing a RealtorJuly 28, 2025
  • Steps to Manage Your Debt
    Steps To Manage Your Debt in 2025 For ConsumersJuly 27, 2025
  • Types of Mortgage Lenders For Home Loan Programs
    Types of Mortgage Lenders For Best Rates and Loan OptionsJuly 26, 2025
  • Vacation Rental Bookings
    How to Increase Vacation Rental BookingsJuly 26, 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 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
Search