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Gustan Cho Associates
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    • 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
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      • 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
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    • Condotel Financing
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      • Bank Statement Loans
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      • Asset-Depletion
      • Foreign Nationals
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
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    • Jumbo Mortgage
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  • CareersExpand
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Call or Text: (800) 900-8569

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NON-QM Loans

Home / NON-QM Loans - Page 3
Jumbo Mortgages
High-Balance Mortgage Loans | Jumbo Loans | No-Ratio Mortgage Loans | NON-QM Loans | Videos

Jumbo Mortgages | 2024 Lender Options – LTV – Rates – Terms

ByGustan Cho Posted onJune 20, 2024August 30, 2024

Jumbo Mortgages are home mortgage loans that are higher than the conforming loan limit. The conforming loan limit for 2024…

Continue Reading Jumbo Mortgages | 2024 Lender Options – LTV – Rates – TermsContinue

Credit Score Mortgage Guideline
Home Mortgages | Mortgage Processing And Underwriting | NON-QM Loans | Videos

Minimum Credit Score Mortgage Guideline on Home Loans

ByGustan Cho Posted onJune 20, 2024August 30, 2024

This guide covers the minimum credit score mortgage guidelines on home loans. Income, credit, credit history, and credit scores are…

Continue Reading Minimum Credit Score Mortgage Guideline on Home LoansContinue

NON-QM Mortgage Rates
Mortgage Rates | NON-QM Loans | Videos

NON-QM Mortgage Rates Compared to Conforming Loans

ByGustan Cho Posted onJune 20, 2024August 30, 2024

Non-QM mortgage rates are determined by the down payment, credit scores, credit history of the borrower, and type of property. The higher the credit score and the higher the down payment, the lower the mortgage rates.

Continue Reading NON-QM Mortgage Rates Compared to Conforming LoansContinue

Non-QM and Bank Statement Portfolio Loans
Videos | Bank Statement Loans | No-Ratio Mortgage Loans | NON-QM Loans

NON-QM and Bank Statement Portfolio Loans

ByAlex Carlucci Posted onJune 17, 2024February 10, 2025

In this blog, we will discuss and cover non-QM and bank statement portfolio loans for owner-occupant, second homes, and investment…

Continue Reading NON-QM and Bank Statement Portfolio LoansContinue

Home Buyers With Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Videos

Home Buyers With Bad Credit Mortgage Options

ByMargarett Jurilla Posted onMay 30, 2024August 29, 2024

In this blog, we will cover and discuss the various mortgage options home buyers with bad credit have in qualifying…

Continue Reading Home Buyers With Bad Credit Mortgage OptionsContinue

Non-QM Loans For Self-Employed
NON-QM Loans | Bank Statement Loans | Videos

NON-QM Loans For Self-Employed Borrowers

ByAlex Carlucci Posted onMay 30, 2024August 29, 2024

This article will cover qualifying for non-QM loans for self-employed borrowers’ home purchases with no income tax returns. In 2023,…

Continue Reading NON-QM Loans For Self-Employed BorrowersContinue

Second Home Guidelines
Conventional Loans | NON-QM Loans | Second Homes | Videos

Second Home Guidelines on Non-QM and Conventional Loans

ByGustan Cho Posted onMay 30, 2024August 29, 2024

This guide covers second home guidelines on non-QM and conventional loans. Second-home financing is different than investment properties. Homebuyers are…

Continue Reading Second Home Guidelines on Non-QM and Conventional LoansContinue

Non-QM And Bank Statement Mortgage
NON-QM Loans | Bank Statement Loans | Videos

Non-QM and Bank Statement Mortgage With NO Tax Returns

ByGustan Cho Posted onMay 29, 2024August 29, 2024

In this article, we will cover and discuss non-QM and bank statement mortgage with no income verification. Non-QM and bank…

Continue Reading Non-QM and Bank Statement Mortgage With NO Tax ReturnsContinue

Getting a Mortgage With Bad Credit in Nevada
Bad Credit Mortgages | FHA Loans | NON-QM Loans | VA Loans | Videos

Getting a Mortgage With Bad Credit in Nevada

ByGustan Cho Posted onMay 28, 2024November 4, 2024

This blog will discuss buying a home and getting a mortgage with bad credit in Nevada. Nevada has many amenities,…

Continue Reading Getting a Mortgage With Bad Credit in NevadaContinue

NON-QM Jumbo Loans
NON-QM Loans | Jumbo Loans | Videos

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

ByAnngelli Abenes Posted onMay 23, 2024August 28, 2024

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

Mortgage Guidelines on Home Loans
Conventional Loans | Down Payment Assistance | FHA Loans | Home Mortgages | Mortgage Rates | NON-QM Loans | Videos

Mortgage Guidelines on Home Loans

ByDale Elenteny Posted onMay 12, 2024August 28, 2024

This guide covers changes in mortgage guidelines on home loans and year-end recap. 2023 was a tough year for the…

Continue Reading Mortgage Guidelines on Home LoansContinue

Investment Home Purchase
Condominium Loans | Investment Homes | NON-QM Loans | Videos

Financing Options For an Investment Home Purchase

ByGustan Cho Posted onMay 11, 2024August 28, 2024

This guide covers investmetn home pruchase mortgage guidelines. Investment home mortgage loans can be conventional or non-qm loans. Investment home…

Continue Reading Financing Options For an Investment Home PurchaseContinue

Bank Statement Loans For Self-Employed Borrowers Mortgage
NON-QM Loans | Bank Statement Loans | Videos

Bank Statement Loans For Self-Employed Borrowers

ByDale Elenteny Posted onMay 10, 2024August 28, 2024

In this blog, we will discuss and cover bank statement loans for self-employed borrowers. Non-QM Loans and Bank Statement Loans…

Continue Reading Bank Statement Loans For Self-Employed BorrowersContinue

Home Mortgage With Bad Credit
Bad Credit Mortgages | Bank Statement Loans | No-Ratio Mortgage Loans | NON-QM Loans | Videos

How To Get Approved For a Home Mortgage With Bad Credit

ByGustan Cho Posted onApril 26, 2024August 23, 2024

This guide covers qualifying for a home mortgage with bad credit. One of the frequently asked questions by our clients…

Continue Reading How To Get Approved For a Home Mortgage With Bad CreditContinue

Business Cash-Flow Analysis
Commercial Loans | NON-QM Loans | Profit and Loss Statement Only Mortgages | Videos

Business Cash-Flow Analysis For Self-Employed Wage Earners

ByDale Elenteny Posted onApril 26, 2024August 23, 2024

This  guide covers business cash-flow analysis for self-employed wage earners. Positive business cash-flow analysis is critical to effectively managing every…

Continue Reading Business Cash-Flow Analysis For Self-Employed Wage EarnersContinue

NON-QM Cash-Out Debt Consolidation Refinance
Mortgage Refinance | NON-QM Loans | Refinancing | video

NON-QM Cash-Out Debt Consolidation Refinance With 90% LTV

ByMike Gracz Posted onApril 24, 2024August 21, 2024

This Article Is About NON-QM Cash-Out Debt Consolidation Refinance With 90% LTV. The housing market is hot despite rising mortgage…

Continue Reading NON-QM Cash-Out Debt Consolidation Refinance With 90% LTVContinue

Refinance Jumbo Loan
Jumbo Loans | Bank Statement Loans | NON-QM Loans | Self-Employed Borrowers | Videos

Purchase and Refinance Jumbo Loan Mortgage Options

ByAlex Carlucci Posted onApril 22, 2024January 31, 2025

This guide covers home purchase and refinance Jumbo loan mortgage loan options. There are traditional and non-qm jumbo loans for…

Continue Reading Purchase and Refinance Jumbo Loan Mortgage OptionsContinue

Mortgage Loan Options With Bad Credit After Bankruptcy
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Videos

Mortgage Loan Options With Bad Credit After Bankruptcy

ByGustan Cho Posted onApril 21, 2024August 21, 2024

This guide covers mortgage loan options with bad credit after bankruptcy on home purchase and refinance loans. One of the…

Continue Reading Mortgage Loan Options With Bad Credit After BankruptcyContinue

Freddie Mac Asset Depletion
Conventional Loans | NON-QM Loans | Videos

Freddie Mac Asset Depletion Mortgage Lending Guidelines

ByGustan Cho Posted onApril 17, 2024January 22, 2025

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

Can I Buy a House in South Dakota With Poor Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Qualifying & Getting Pre-approved | VA Loans | Videos

Can I Buy a House in South Dakota With Poor Credit

ByGustan Cho Posted onApril 12, 2024August 19, 2024

In this blog, we’ll address the common inquiry: Can I buy a house in South Dakota with poor credit and…

Continue Reading Can I Buy a House in South Dakota With Poor CreditContinue

DSCR Mortgage Loans
NON-QM Loans | Videos

DSCR Mortgage Loans: Debt-Service Cover Ratio

ByMike Gracz Posted onApril 12, 2024August 19, 2024

DSCR mortgage loans, debt-service coverage ratio mortgages, is a type of no-income verification mortgage loan program. There is no income…

Continue Reading DSCR Mortgage Loans: Debt-Service Cover RatioContinue

Bank Statement Deposit Only Mortgage
Bank Statement Loans | NON-QM Loans | Videos

Bank Statement Deposit Only Mortgage For Self-Employed Borrowers

ByGustan Cho Posted onApril 9, 2024October 8, 2024

This blog will discuss and cover bank statement deposit only mortgage for self-employed borrowers with no income tax returns required….

Continue Reading Bank Statement Deposit Only Mortgage For Self-Employed BorrowersContinue

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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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