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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

Mortgage Lender Overlays

Home / Mortgage Lender Overlays
Do All Lenders Have The Same Guidelines On VA Loans (2)
VA Loans | Mortgage Lender Overlays | Videos

Do All Lenders Have the Same Guidelines on VA Loans

ByGustan Cho Posted onMarch 20, 2025March 21, 2025

Do All Lenders Have the Same Guidelines on VA Loans? One of the most frustrating experiences for VA homebuyers is…

Continue Reading Do All Lenders Have the Same Guidelines on VA LoansContinue

Common Mortgage Overlays
Mortgage Lender Overlays | Videos

Common Mortgage Overlays on FHA, VA, Conventional Loans

ByGustan Cho Posted onDecember 12, 2024December 16, 2024

This guide covers common mortgage overlays on government and conventional loans. There are two types of mortgage guidelines. All borrowers…

Continue Reading Common Mortgage Overlays on FHA, VA, Conventional LoansContinue

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

Common VA Overlays
Mortgage Lender Overlays | VA Loans | video

Common VA Overlays By Lenders Versus Agency Mortgage Guidelines

ByGustan Cho Posted onNovember 18, 2024May 15, 2025

Common VA Overlays: What You Need to Know for 2024 When it comes to VA loans, borrowers often need more…

Continue Reading Common VA Overlays By Lenders Versus Agency Mortgage GuidelinesContinue

Mortgage Guidelines Versus Overlays
Mortgage Lender Overlays | Videos

Mortgage Guidelines Versus Overlays on Home Loans

ByDale Elenteny Posted onOctober 11, 2024May 20, 2025

Mortgage Guidelines Versus Overlays: What You Need to Know in 2024 When you’re ready to buy or refinance a home,…

Continue Reading Mortgage Guidelines Versus Overlays on Home LoansContinue

What Are FHA Lender Overlays
Mortgage Lender Overlays | FHA Loans | Videos

What Are FHA Lender Overlays? Simple Guide 2024

ByAnngelli Abenes Posted onAugust 13, 2024May 22, 2025

If you are thinking about buying a home or refinancing your current mortgage, you may have heard about FHA loans….

Continue Reading What Are FHA Lender Overlays? Simple Guide 2024Continue

Maryland FHA Lenders
FHA Loans | Bankruptcy | Mortgage Lender Overlays | Videos

Maryland FHA Lenders For Homebuyers With Bad Credit

BySapna Sharma Posted onJune 28, 2024August 30, 2024

The lending requirements on FHA loans are not the same for all Maryland FHA Lenders. There are two different categories…

Continue Reading Maryland FHA Lenders For Homebuyers With Bad CreditContinue

VA Loans Texas
Mortgage Lender Overlays | VA Loans | Videos

VA Loans Texas: Mortgage Lender With No Overlays

ByMike Gracz Posted onJune 19, 2024August 30, 2024

This Article is about No Overlay Lender Offering VA Loans Texas. Texas is one of the fastest-growing states in the…

Continue Reading VA Loans Texas: Mortgage Lender With No OverlaysContinue

Understanding VA Mortgage Rates
VA Loans | Mortgage Lender Overlays | Mortgage Rates | Videos

Understanding VA Mortgage Rates And LLPA

ByGustan Cho Posted onJune 19, 2024June 20, 2024

This Article Is About Understanding VA Mortgage Rates And Loan Level Pricing Adjustments VA loans are the best home mortgage…

Continue Reading Understanding VA Mortgage Rates And LLPAContinue

VA Loans Ohio
VA Loans | Bad Credit Mortgages | Mortgage Lender Overlays | Videos

VA Loans Ohio With Bad Credit And No Lender Overlays

ByGustan Cho Posted onJune 13, 2024August 30, 2024

This Article Is About VA Loans Ohio With Bad Credit And No Lender Overlays Ohio is one of the hottest…

Continue Reading VA Loans Ohio With Bad Credit And No Lender OverlaysContinue

Colorado VA Lenders
Videos | Bad Credit Mortgages | Mortgage Lender Overlays | VA Loans

Colorado VA Lenders For Bad Credit With No Lender Overlays

ByMike Gracz Posted onJune 10, 2024August 30, 2024

In this article, we will cover and discuss qualifying for a VA loan with low credit scores with Colorado VA…

Continue Reading Colorado VA Lenders For Bad Credit With No Lender OverlaysContinue

FHA Mortgage Loans With No Overlays
Mortgage Lender Overlays | FHA Loans | Videos

FHA Mortgage Loans With No Overlays FHA Lenders

ByGustan Cho Posted onJune 10, 2024April 7, 2025

Gustan Cho Associates is a mortgage company licensed in multiple states, specializing in FHA mortgage loans with no overlays. More…

Continue Reading FHA Mortgage Loans With No Overlays FHA LendersContinue

VA Loan Denial
Mortgage Lender Overlays | VA Loans | video

VA Loan Denial And Qualifying With Lender With No Overlays

ByGustan Cho Posted onJune 10, 2024August 30, 2024

This Article Is About VA Loan Denial And Getting Qualified With Lender With No Overlays There should be no reason why…

Continue Reading VA Loan Denial And Qualifying With Lender With No OverlaysContinue

Choosing The Right Mortgage Company
Career Opportunities/Loan Officer Training | Mortgage Lender Overlays | Qualifying & Getting Pre-approved | Videos

Choosing The Right Mortgage Company For Loan Officers

ByAnngelli Abenes Posted onJune 6, 2024August 30, 2024

This guide covers choosing the right mortgage company for loan officers. Choosing the right mortgage company for loan officers is…

Continue Reading Choosing The Right Mortgage Company For Loan OfficersContinue

Credit Score Guidelines Versus Lender Overlays
Mortgage Lender Overlays | Headline News Archives

Credit Score Guidelines Versus Lender Overlays During Pandemic

ByGustan Cho Posted onJune 5, 2024August 30, 2024

Understanding Credit Score Guidelines Versus Lender Overlays during the coronavirus pandemic is important. A detailed analysis of the covid 19…

Continue Reading Credit Score Guidelines Versus Lender Overlays During PandemicContinue

How Loan Officers Qualify Borrowers
Mortgage Lender Overlays | Videos

How Loan Officers Qualify Borrowers And Issue Pre-Approvals

ByAlex Carlucci Posted onMay 21, 2024August 28, 2024

This Article Is About How Loan Officers Qualify Borrowers And Issue Pre-Approvals. Understanding how loan officers qualify borrowers is crucial in the…

Continue Reading How Loan Officers Qualify Borrowers And Issue Pre-ApprovalsContinue

Credit Score Guidelines versus Overlays
Credit Scores | Headline News Archives | Mortgage Lender Overlays | Videos

Credit Score Guidelines Versus Overlays By Mortgage Lenders

ByGustan Cho Posted onApril 19, 2024August 21, 2024

This guide covers credit score guidelines versus overlays by mortgage lenders. There are two types of credit score requirements to…

Continue Reading Credit Score Guidelines Versus Overlays By Mortgage LendersContinue

North Carolina FHA Lenders For Bad Credit
FHA Loans | Bad Credit Mortgages | Mortgage Lender Overlays | Mortgage Processing And Underwriting

North Carolina FHA Lenders For Bad Credit with No Overlays

ByGustan Cho Posted onApril 5, 2024October 8, 2024

In this blog post, we’ll discuss qualifying for FHA loans with top North Carolina FHA lenders for bad credit. It’s…

Continue Reading North Carolina FHA Lenders For Bad Credit with No OverlaysContinue

Overlays In Underwriting
Mortgage Lender Overlays | Home Mortgages | Mortgage Processing And Underwriting | Videos

Overlays in Underwriting By Mortgage Lenders

ByMargarett Jurilla Posted onMarch 24, 2024August 15, 2024

This blog is about overlays in underwriting on government and conventional loans. The mortgage industry went through a major overhaul…

Continue Reading Overlays in Underwriting By Mortgage LendersContinue

Denied By a Bank For Your Mortgage And Options For Borrowers
Videos | Conditional Loan Approval | Mortgage Lender Overlays | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved

Home Loan Approval After Denied By a Bank For Your Mortgage

ByGustan Cho Posted onMarch 23, 2024August 14, 2024

This guide covers getting  a home loan approved after denied by a bank for your mortgage. There should be no…

Continue Reading Home Loan Approval After Denied By a Bank For Your MortgageContinue

FHA Total Scorecard
Mortgage Processing And Underwriting | Compensating Factors | FHA Loans | Manual Underwriting | Mortgage Lender Overlays | Verification Of Rent | Videos

Revised FHA Total Scorecard Underwriting Guidelines

ByGustan Cho Posted onMarch 19, 2024August 13, 2024

This blog will cover the FHA Total Scorecard and how it works. The United States Department of Housing and Urban…

Continue Reading Revised FHA Total Scorecard Underwriting GuidelinesContinue

FHA Loans With 500 FICO
FHA Loans | Manual Underwriting | Mortgage Lender Overlays | Videos

FHA Loans With 500 FICO Credit Score

ByAlex Carlucci Posted onFebruary 29, 2024August 8, 2024

HUD, the parent of FHA, allows borrowers down to a 500 credit score to qualify for an FHA loan. However, for borrowers with under a 580 credit score, a 10% down payment is required.

Continue Reading FHA Loans With 500 FICO Credit ScoreContinue

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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

DTI Calculators

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  • Jumbo DTI Calculator
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Subsidiary Sites

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Resources

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  • FICO Simulator
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  • DTI Mortgage Calculator
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  • 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.
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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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