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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
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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
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      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines
      • FHA Loans For Bad Credit
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      • FHA Loans Charged Off Accounts
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      • 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
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  • CareersExpand
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Call or Text: (800) 900-8569

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Mortgage Processing And Underwriting

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Pre-Approval Versus Loan Commitment
Mortgage Processing And Underwriting

Pre-Approval Versus Loan Commitment During Mortgage Process

ByGustan Cho Posted onFebruary 23, 2021October 8, 2024

This Article Is About A Pre-Approval Versus Loan Commitment During Mortgage Process Many first-time home buyers often ask What Is…

Continue Reading Pre-Approval Versus Loan Commitment During Mortgage ProcessContinue

What Do Underwriters Look On Credit Report Besides Credit Scores
Mortgage Processing And Underwriting | Videos

What Do Underwriters Look On Credit Report Besides Credit Scores

ByGustan Cho Posted onNovember 24, 2020February 10, 2025

This Article Is About What Do Underwriters Look On Credit Report Besides Credit Scores Credit scores is the biggest factor…

Continue Reading What Do Underwriters Look On Credit Report Besides Credit ScoresContinue

Credit Report Analysis By Mortgage Underwriters
Mortgage Processing And Underwriting

Credit Report Analysis By Mortgage Underwriters During Loan Process

ByMike Gracz Posted onFebruary 9, 2020March 11, 2024

This ARTICLE On Credit Report Analysis By Mortgage Underwriters During Loan Process Was PUBLISHED On February 9th, 2020 The borrowers’…

Continue Reading Credit Report Analysis By Mortgage Underwriters During Loan ProcessContinue

21 Day Fast Track TBD Loan Program
Mortgage Processing And Underwriting

21 Day FAST Track TBD Loan Program On Home Loans

ByGustan Cho Posted onFebruary 5, 2020October 8, 2024

In this blog, we will discuss and cover our 21-day fast-track TBD home purchase loan program. Gustan Cho Associates offers…

Continue Reading 21 Day FAST Track TBD Loan Program On Home LoansContinue

How Does a Mortgage Payment Structure Work?
Mortgage Processing And Underwriting

How Does A Mortgage Payment Structure Work On Home Loans

ByAlex Carlucci Posted onOctober 14, 2019July 17, 2024

This ARTICLE On How Does A Mortgage Payment Structure Work On Home Loans Was PUBLISHED On October 14th, 2019 Unlike…

Continue Reading How Does A Mortgage Payment Structure Work On Home LoansContinue

Locking Mortgage Rates During Mortgage Process
Mortgage Processing And Underwriting

Locking Mortgage Rates During Mortgage Process

ByMike Gracz Posted onJuly 22, 2019July 17, 2024

This Article On Locking Mortgage Rates During Mortgage Process Was PUBLISHED On July 22nd, 2019 Gustan Cho Associates at NEXA Mortgage,…

Continue Reading Locking Mortgage Rates During Mortgage ProcessContinue

Borrowers Cost Out Of Pocket During The Mortgage Process
Videos | Mortgage Processing And Underwriting

Borrowers Cost Out Of Pocket During The Mortgage Process

ByGustan Cho Posted onMay 27, 2019October 8, 2024

This Article Is About Borrowers Cost Out Of Pocket During The Mortgage Process  There are two types of costs involved…

Continue Reading Borrowers Cost Out Of Pocket During The Mortgage ProcessContinue

Mortgage Denied With Lender
Mortgage Processing And Underwriting

Mortgage Denied With Lender And Taking Next Steps To Get Approved

ByGustan Cho Posted onApril 25, 2019April 7, 2025

This BLOG On Mortgage Denied With Lender And Taking Next Steps To Get Approved Was UPDATED On April 25th, 2019 First…

Continue Reading Mortgage Denied With Lender And Taking Next Steps To Get ApprovedContinue

Mortgage Denial From Bank
Mortgage Processing And Underwriting

What To Do If Borrowers Got Mortgage Denial From Bank

ByGustan Cho Posted onJanuary 23, 2019December 18, 2023

This BLOG On What To Do If Borrowers Got Mortgage Denial From Bank Was UPDATED On January 23rd, 2019 Most first…

Continue Reading What To Do If Borrowers Got Mortgage Denial From BankContinue

Factors Influencing Credit Scores
Mortgage Processing And Underwriting

Factors Influencing Credit Scores When Applying For Mortgage

ByGustan Cho Posted onJanuary 8, 2019February 20, 2024

This BLOG On Factors Influencing Credit Scores When Applying For Mortgage Was UPDATED On January 8th, 2019 There are five Factors Influencing…

Continue Reading Factors Influencing Credit Scores When Applying For MortgageContinue

Rapid Response
Mortgage Processing And Underwriting

Rapid Response Group At Gustan Cho Associates

ByAlex Carlucci Posted onOctober 29, 2018July 16, 2024

This BLOG On Rapid Response Group At Gustan Cho Associates Was UPDATED On October 28th, 2018 Over 75% of borrowers…

Continue Reading Rapid Response Group At Gustan Cho AssociatesContinue

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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: 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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