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Home Loan Programs after Bankruptcy and Foreclosure
NON-QM Loans

Home Loan Programs after Bankruptcy and Foreclosure

ByGustan Cho Posted onNovember 30, 2023November 30, 2023

This guide covers home loan programs after bankruptcy and foreclosure. There are various home loan programs after bankruptcy and foreclosure….

Continue Reading Home Loan Programs after Bankruptcy and ForeclosureContinue

Freddie Mac Asset Depletion Mortgage Lending Guidelines
Conventional Loans | NON-QM Loans | Videos

Freddie Mac Asset Depletion Mortgage Lending Guidelines

ByGustan Cho Posted onNovember 28, 2023December 1, 2023

Can you get a Freddie Mac mortgage if you have lots of investments or savings but little or no income? In many cases, you can convert assets into income (for mortgage qualifying purposes) by using asset depletion.

Continue Reading Freddie Mac Asset Depletion Mortgage Lending GuidelinesContinue

Mortgage Guidelines on Late Payments in the Past 12 Months
Bad Credit Mortgages | FHA Loans | Mortgage With Late Payments | NON-QM Loans | Videos

Mortgage Guidelines on Late Payments in the Past 12 Months

ByAlex Carlucci Posted onNovember 24, 2023November 29, 2023

This blog will discuss the mortgage guidelines on late payments in the past 12 months. Borrowers can qualify for home…

Continue Reading Mortgage Guidelines on Late Payments in the Past 12 MonthsContinue

No-Ratio Mortgage Loans
No-Ratio Mortgage Loans | NON-QM Loans | Videos

No-Ratio Mortgage Loans

ByAlex Carlucci Posted onNovember 12, 2023November 12, 2023

In this blog, we will cover what no-ratio mortgage loans are. We will discuss how no-ratio mortgage loans work and…

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Prime vs Nonprime Types of Jumbo Mortgage Options
Jumbo Loans | Bank Statement Loans | NON-QM Loans | Videos

Prime vs Nonprime Types of Jumbo Mortgage Options

ByAlex Carlucci Posted onNovember 12, 2023November 12, 2023

This blog will discuss and cover the types of jumbo mortgage loan programs available at Gustan Cho Associates for homebuyers….

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Jumbo Home Loans of Over 5 Million
Hard Money Loans | Jumbo Loans | NON-QM Loans | Videos

Jumbo Home Loans of Over 5 Million

ByGustan Cho Posted onAugust 7, 2023October 23, 2023

This guide covers jumbo home loans of over 5 million. Most lenders will cap jumbo loan limits between $1 to…

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Small Business Loans For Self-Employed With SBA Loans
Commercial Loans | Hard Money Loans | NON-QM Loans

Small Business Loans For Self-Employed With SBA Loans

ByJohn Parker Posted onAugust 3, 2023August 3, 2023

This guide covers important tips for starting small businesses for entrepreneurs and getting financing with SBA Business Loans. Starting a…

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Mortgage Loan Programs For Non-Permanent Residents
NON-QM Loans | Videos

Mortgage Loan Programs For Non-Permanent Residents

ByJohn Parker Posted onJuly 22, 2023August 24, 2023

This guide covers lending guidelines and mortgage loan programs for non-permanent residents. Certain guidelines exist for non-permanent residents interested in…

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Bankruptcy and Foreclosure Mortgage Guidelines
Mortgage After Bankruptcy and Foreclosure | NON-QM Loans | Videos

Bankruptcy and Foreclosure Mortgage Guidelines

ByGustan Cho Posted onJuly 19, 2023October 25, 2023

This guide covers bankruptcy and foreclosure mortgage guidelines on government and conventional loans. Government and conventional loans have mandatory bankruptcy…

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Jumbo Mortgages For Self-Employed Borrowers
Jumbo Loans | Income And Employment | NON-QM Loans | Real Estate Topic | Videos

Jumbo Mortgages For Self-Employed Borrowers

ByGustan Cho Posted onJuly 16, 2023October 9, 2023

This guide covers jumbo mortgages for self-employed borrowers with no tax returns. If you are in the market for a…

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Equipment Financing
Commercial Loans | NON-QM Loans | SBA Loans | Videos

Equipment Financing

ByGustan Cho Posted onJuly 12, 2023October 31, 2023

This guide covers all about equipment financing. If you run a small or medium-sized business, you know how important it…

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Investing in Rental Properties
Commercial Loans | Hard Money Loans | Investment Homes | NON-QM Loans | Rental Income | Videos

Investing in Rental Properties

ByRonda Butts Posted onJuly 11, 2023July 11, 2023

This guide covers investing in rental properties for real estate investors. The coronavirus outbreak and scare have plummeted the U.S….

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The Best Places To Buy Waterfront Property For Boating
Home Mortgage | Home Purchase | NON-QM Loans | Real Estate Topic | Second Homes | Videos

The Best Places To Buy Waterfront Property For Boating

ByRonda Butts Posted onJuly 3, 2023July 3, 2023

This guide covers the best places to buy waterfront property for boating and recreational watersports. We will discuss buying a…

Continue Reading The Best Places To Buy Waterfront Property For BoatingContinue

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 onJuly 2, 2023October 24, 2023

This guide covers Jumbo Loans Chapter 13 Bankruptcy Guidelines. Chapter 13 Bankruptcy Mortgage Guidelines allow borrowers to qualify for a…

Continue Reading Jumbo Loans Chapter 13 Bankruptcy GuidelinesContinue

Refinancing NON-QM To Conforming Loans
NON-QM Loans | Mortgage Rates | Mortgage Refinance | Videos

Refinancing NON-QM To Conforming Loans

ByAlex Carlucci Posted onJuly 1, 2023July 1, 2023

This guide covers refinancing non-QM to conforming loans with lower mortgage rates. Mortgage rates hit the highest in 2023 since…

Continue Reading Refinancing NON-QM To Conforming LoansContinue

NON-QM Mortgage Processing Versus Traditional Home Loans
Mortgage Processing And Underwriting | NON-QM Loans | Videos

NON-QM Mortgage Processing Versus Traditional Home Loans

ByGustan Cho Posted onJuly 1, 2023July 1, 2023

This guide covers non-QM mortgage processing versus traditional home loans. NON-QM loans are alternative financing mortgage programs. Borrowers who do…

Continue Reading NON-QM Mortgage Processing Versus Traditional Home LoansContinue

Fannie Mae Second Home Guidelines on Conventional Loans
Home Purchase | NON-QM Loans | Second Homes | Videos

Fannie Mae Second Home Guidelines on Conventional Loans

ByGustan Cho Posted onJune 30, 2023June 30, 2023

This guide covers Fannie Mae second home guidelines on vacation home purchases. Fannie Mae second home guidelines update for 2023:…

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NON-QM Jumbo Loans For Bad Credit and No-Income Docs
NON-QM Loans | Jumbo Loans | Videos

NON-QM Jumbo Loans For Bad Credit and No-Income Docs

ByGustan Cho Posted onJune 28, 2023November 30, 2023

NON-QM jumbo loans are alternative mortgage loan programs for owner-occupant primary homes, second homes, and investment properties. Most non-QM loans…

Continue Reading NON-QM Jumbo Loans For Bad Credit and No-Income DocsContinue

Fix-and-Flip Mortgage Guidelines For Real Estate Investors
NON-QM Loans | Fix-and-Flip Mortgage Loans | Hard Money Loans | Home Improvement/Renovations | House Flipping | Videos

Fix-and-Flip Mortgage Guidelines For Real Estate Investors

ByGustan Cho Posted onJune 26, 2023November 28, 2023

This blog will discuss and cover fix-and-flip mortgage loans. The fix-and-flip mortgage option is one of the most popular loan…

Continue Reading Fix-and-Flip Mortgage Guidelines For Real Estate InvestorsContinue

Balloon Mortgages | What is a Balloon Mortgage
NON-QM Loans | Commercial Loans | Hard Money Loans | Investment Homes | Videos

Balloon Mortgages | What is a Balloon Mortgage

ByGustan Cho Posted onJune 26, 2023June 26, 2023

In this article, we will discuss and cover balloon mortgages and how they work. Balloon mortgages are short-term loans with…

Continue Reading Balloon Mortgages | What is a Balloon MortgageContinue

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    Gustan Cho Associates are mortgage brokers 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. You can rest assured any owner-occupant primary home, second home, or investment property mortgage loan program in the marketplace, you will find them offered at Gustan Cho Associates Talk to a loan officer today

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      • Get Pre-Approved
      • Order Credit
      • FICO Simulator
      • MLO License School
      • Why Choose Us
      • Meet Our Team
      • Preferred Realtor Partner Network
        • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
        • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
        • Kingsley Ifezue | Licensed Real Estate Broker
      • Loan Officers
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        • Ronda Butts
        • Kingsley Ifezue
    • Types Of Mortgages
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        • Home Purchase Loans
        • Investment Property Loan
      • Refinance
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        • Chapter 13 Bankruptcy Cash-Out-Buyout
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