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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

Qualifying & Getting Pre-approved

Home / Qualifying & Getting Pre-approved - Page 3
VA Loans Bad Credit Tennessee With No Lender Overlays
Videos | Charge Off Accounts | Collection Accounts | Qualifying & Getting Pre-approved | Re-Establishing Credit | VA Loans

VA Loans Bad Credit Tennessee With Low Scores

ByGustan Cho Posted onMarch 16, 2024July 28, 2025

Homebuyers can qualify for VA loans bad credit Tennessee with under 620 credit scores. The United States Department of Veterans…

Continue Reading VA Loans Bad Credit Tennessee With Low ScoresContinue

How Do Mortgage Underwriters Qualify Borrowers
Home Mortgages | Automated Underwriting System | Conditional Loan Approval | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How Do Mortgage Underwriters Qualify Borrowers

ByGustan Cho Posted onMarch 11, 2024October 8, 2024

In this blog, we will cover and discuss how do mortgage underwriters qualify borrowers. Credit scores and income is what…

Continue Reading How Do Mortgage Underwriters Qualify BorrowersContinue

Sell and Buy House at Same Time During Chapter 13 Bankruptcy
FHA Loans | Home Possible | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Selling Your Home | Videos

How to Buy and Sell a House While in Chapter 13 Bankruptcy

ByGustan Cho Posted onMarch 8, 2024August 8, 2024

In this blog, we will cover and discuss how to buy and sella house while in Chapter 13 Bankruptcy. Borrowers…

Continue Reading How to Buy and Sell a House While in Chapter 13 BankruptcyContinue

Preparing For Home Loan
Qualifying & Getting Pre-approved | Mortgage Processing And Underwriting | Videos

Preparing For Home Loan Before Applying For a Mortgage

BySapna Sharma Posted onMarch 6, 2024August 8, 2024

This blog will cover preparing for home loan before applying for a mortgage for a smooth mortgage approval without stress….

Continue Reading Preparing For Home Loan Before Applying For a MortgageContinue

Multiple Offers on Home Purchase
Home Purchase | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Buyers Solutions to Multiple Offers on Home Purchase

ByGustan Cho Posted onMarch 4, 2024March 5, 2024

This guide covers buyers solutions to multiple offers on home purchase. There was a time where there were tons of…

Continue Reading Buyers Solutions to Multiple Offers on Home PurchaseContinue

Fannie Mae-Freddie Mac Condo Guidelines
Condominium Loans | Condotel and Non-Warrantable Condos | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Conventional Loan Fannie Mae-Freddie Mac Condo Guidelines

ByAnngelli Abenes Posted onMarch 4, 2024July 3, 2025

This article focuses on the Fannie Mae-Freddie Mac Condo guidelines on conventional loans. These guidelines enable eligible borrowers to secure…

Continue Reading Conventional Loan Fannie Mae-Freddie Mac Condo GuidelinesContinue

Things to Know Before Filing Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Things To Know Before Filing Bankruptcy

ByGustan Cho Posted onMarch 2, 2024March 29, 2024

This guide cover the things to know before filing bankruptcy for future homebuyers. There are things to know before filing…

Continue Reading Things To Know Before Filing BankruptcyContinue

Changing Lenders During Underwriting Process
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Changing Lenders During Underwriting Process

ByGustan Cho Posted onMarch 1, 2024July 3, 2024

This guide covers changing lenders during underwriting process before closing. The mortgage approval process does not have to be stressful…

Continue Reading Changing Lenders During Underwriting ProcessContinue

How to Buy a House With Bad Credit
Bad Credit Mortgages | Income And Employment | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

How To Buy a House With Bad Credit

ByAlex Carlucci Posted onMarch 1, 2024March 4, 2024

This guide covers how to buy a house with bad credit.  Many folks assume you cannot get a mortgage loan…

Continue Reading How To Buy a House With Bad CreditContinue

Employer Distance Requirements
Income And Employment | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Employer Distance Requirements on Primary Home Mortgages

ByApril Ramirez Posted onFebruary 28, 2024April 7, 2025

In this blog, we will cover employer distance requirements on primary home mortgages. Employer Distance Requirements On Primary Home Mortgages…

Continue Reading Employer Distance Requirements on Primary Home MortgagesContinue

Job Relocation Mortgage Guidelines
Income And Employment | Qualifying & Getting Pre-approved | Videos

Out-of State Job Relocation Mortgage Guidelines

ByApril Ramirez Posted onFebruary 23, 2024April 7, 2025

This manual provides information on Job Relocation Mortgage Guidelines for individuals purchasing homes in a different state. According to these…

Continue Reading Out-of State Job Relocation Mortgage GuidelinesContinue

Getting Faster Mortgage Approvals
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Getting Faster Mortgage Approvals and Closing on Time

ByGustan Cho Posted onFebruary 16, 2024August 6, 2024

Borrowers should not stress during the mortgage process. . There is no reason why there should be stress during the mortgage process.

Continue Reading Getting Faster Mortgage Approvals and Closing on TimeContinue

Net Tangible Benefits For Refinancing a Home Loan
Mortgage Refinance | Qualifying & Getting Pre-approved | Videos

What is Net Tangible Benefits For Refinancing

ByGustan Cho Posted onFebruary 16, 2024August 6, 2024

This guide covers what is the definition of net tangible benefits for refinancing. When mortgage rates were at a 3-year…

Continue Reading What is Net Tangible Benefits For RefinancingContinue

Credit Score Mortgage Guidelines For Home Loans
Videos | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit

Credit Score Mortgage Guidelines For Home Loans

ByGustan Cho Posted onFebruary 14, 2024August 5, 2024

In this blog, we will cover and discuss the credit score mortgage guidelines for home purchase and refinance. What is…

Continue Reading Credit Score Mortgage Guidelines For Home LoansContinue

Mortgage types
Home Mortgages | Investment Homes | NON-QM Loans | Qualifying & Getting Pre-approved | Videos

Which Mortgage Is Right for Me? The Top 5 Mortgage Types

ByGustan Cho Posted onFebruary 4, 2024February 10, 2025

Every mortgage borrower is different. Your income, debts, credit rating, savings, and goals are unlike anyone else’s. The best mortgage for your neighbor might be the worst home loan for you.

Continue Reading Which Mortgage Is Right for Me? The Top 5 Mortgage TypesContinue

How Underwriters Analyze Bank Statements
Mortgage Processing And Underwriting | Income And Employment | Qualifying & Getting Pre-approved | Videos

How Underwriters Analyze Bank Statements of Borrowers

ByGustan Cho Posted onJanuary 30, 2024February 26, 2024

This article delves into how underwriters analyze bank statements of borrowers. When individuals seek a mortgage loan, underwriters deem 60…

Continue Reading How Underwriters Analyze Bank Statements of BorrowersContinue

Lender Versus Borrower Paid Mortgage Transactions
Mortgage Processing And Underwriting | Mortgage Rates | Qualifying & Getting Pre-approved | Videos

Lender Versus Borrower Paid Mortgage Transactions

ByAlex Carlucci Posted onJanuary 20, 2024February 19, 2025

In this blog, we will discuss lender versus borrower paid mortgage transactions. Mortgage brokers can often opt to go with…

Continue Reading Lender Versus Borrower Paid Mortgage TransactionsContinue

Increase Credit Scores Before Applying For Mortgage
Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Increase Credit Scores Before Applying For Mortgage

ByGustan Cho Posted onJanuary 20, 2024May 27, 2024

This guide covers how to increase credit scores before applying for mortgage. Consumer credit report and credit scores are probably the most…

Continue Reading Increase Credit Scores Before Applying For MortgageContinue

Importance of Mortgage Qualification and Pre-Approval
Home Mortgages | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Importance of Mortgage Qualification and Pre-Approval

ByAlex Carlucci Posted onJanuary 19, 2024January 22, 2024

This guide covers the importance of mortgage qualification and pre-approval. A pre-approval is when a home buyer or homeowner has…

Continue Reading Importance of Mortgage Qualification and Pre-ApprovalContinue

New Mortgage Programs
NON-QM Loans | Bank Statement Loans | No-Ratio Mortgage Loans | Qualifying & Getting Pre-approved | Videos

New Mortgage Programs For Homebuyers and Investors

ByAlex Carlucci Posted onJanuary 19, 2024July 29, 2024

In this article, we will cover and discuss new mortgage programs for homebuyers and real estate investors. We have over…

Continue Reading New Mortgage Programs For Homebuyers and InvestorsContinue

Things To Avoid When Repairing Your Credit
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Things To Avoid When Repairing Your Credit For a Mortgage

ByAlex Carlucci Posted onJanuary 18, 2024March 8, 2024

This guide covers things to avoid when repairing your credit for a mortgage approval. There are things to avoid when…

Continue Reading Things To Avoid When Repairing Your Credit For a MortgageContinue

The Five C's of Mortgage Underwriting
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

The Five C’s of Mortgage Underwriting Leading To CTC

ByAlex Carlucci Posted onJanuary 17, 2024July 29, 2024

This guide covers the five C’s of mortgage underwriting leading to clear-to-close. With mortgage loans, the risk analysis is critically…

Continue Reading The Five C’s of Mortgage Underwriting Leading To CTCContinue

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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

  • Sacramento California Home Purchase
    Sacramento California Home Purchase With Bad CreditAugust 7, 2025
  • Deficiency Judgments
    Qualifying For Home Loans With Deficiency JudgmentsAugust 7, 2025
  • What are 7 Ways to Defend a Debt Collection Lawsuit
    7 Ways to Defend a Debt Collection Lawsuit by ConsumersAugust 7, 2025
  • One Day Mortgage Loan Approval
    One Day Mortgage Loan Approval Process For HomebuyersAugust 7, 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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