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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
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    • How Do I Become A Mortgage Loan Officer
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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 4
Denied For FHA Loan With Good Credit on Home Purchase
Bad Credit Mortgages | FHA Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Denied For FHA Loan With Good Credit on Home Purchase

ByAlex Carlucci Posted onJanuary 16, 2024July 29, 2024

This guide covers the frequently asked question can I get denied for FHA loan with good credit on home purchase….

Continue Reading Denied For FHA Loan With Good Credit on Home PurchaseContinue

Bankruptcy Dismissal Versus Bankruptcy Discharge
Mortgage After Bankruptcy and Foreclosure | Manual Underwriting | Qualifying & Getting Pre-approved | Videos

Bankruptcy Dismissal Versus Discharge Mortgage Guidelines

ByGustan Cho Posted onJanuary 11, 2024April 4, 2024

In this blog, we will cover and discuss the difference when qualifying for a mortgage after bankruptcy dismissal versus bankruptcy…

Continue Reading Bankruptcy Dismissal Versus Discharge Mortgage GuidelinesContinue

How Solid Is Your Pre-Approval For Home Purchase Mortgage
Qualifying & Getting Pre-approved | Conditional Loan Approval | Videos

How Solid Is Your Pre-Approval For Home Purchase Mortgage

ByGustan Cho Posted onJanuary 11, 2024July 30, 2024

This guide covers how solid is your pre-approval for a home purchase mortgage. A mortgage pre-approval letter means that a…

Continue Reading How Solid Is Your Pre-Approval For Home Purchase MortgageContinue

Government and Conventional Loans After Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Videos

Government and Conventional Loans After Bankruptcy

ByAlex Carlucci Posted onJanuary 11, 2024January 11, 2024

This guide covers government and conventional loans after bankruptcy and foreclosure. There are mandatory waiting period requirements on government and…

Continue Reading Government and Conventional Loans After BankruptcyContinue

Moving to New Home
Home Purchase | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Qualifying For a Home Mortgage Moving To New Home

ByMike Gracz Posted onJanuary 11, 2024January 12, 2024

This guide covers qualifying and getting approved for a home mortgage moving to new home. Moving to new home is…

Continue Reading Qualifying For a Home Mortgage Moving To New HomeContinue

Mortgage For Second Primary Residence
Home Mortgages | Home Purchase | Qualifying & Getting Pre-approved | Videos

Mortgage For Second Primary Residence Lending Guidelines

ByJohn Strange Posted onJanuary 10, 2024July 26, 2024

This guide covers mortgage for second primary residence lending guidelines. Many Americans have a current primary residence and are looking…

Continue Reading Mortgage For Second Primary Residence Lending GuidelinesContinue

What Do Lenders Look in Bank Statements
Videos | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved

What Do Lenders Look in Bank Statements in Mortgage Process

ByGustan Cho Posted onJanuary 9, 2024May 17, 2024

This guide covers what do lenders look in bank statements during the mortgage process. Every mortgage lenders require borrowers to…

Continue Reading What Do Lenders Look in Bank Statements in Mortgage ProcessContinue

Closing Mortgage on Time
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Closing Mortgage on Time Without Delays

ByAlex Carlucci Posted onJanuary 6, 2024July 26, 2024

This guide covers closing mortgage on time without stress during the mortgage process. All mortgage loans should not be delayed…

Continue Reading Closing Mortgage on Time Without DelaysContinue

FHA Versus Conventional Mortgage After Bankruptcy
Bad Credit Mortgages | Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Videos

FHA Versus Conventional Mortgage After Bankruptcy

ByEric Jeanette Posted onJanuary 1, 2024August 14, 2024

This  guide cover FHA versus conventional mortgage after bankruptcy. There are differences in  when and how you can qualify for…

Continue Reading FHA Versus Conventional Mortgage After BankruptcyContinue

How Long is a Pre-Approval Valid
Home Mortgages | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How Long is a Pre-Approval Valid When Shopping For a Home

ByGustan Cho Posted onDecember 28, 2023July 26, 2024

This guide cover how long is a pre-approval valid when shopping for a home. A pre-approval letter is a ticket…

Continue Reading How Long is a Pre-Approval Valid When Shopping For a HomeContinue

Choosing A Loan Officer
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Choosing a Loan Officer With No Mortgage Lender Overlays

ByJohn Strange Posted onDecember 1, 2023April 7, 2025

This guide covers choosing a loan officer with no mortgage lender overlays. This guide will discuss watching out for these…

Continue Reading Choosing a Loan Officer With No Mortgage Lender OverlaysContinue

Paying Down Credit Card Balances
High Debt To Income Ratio | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Paying Down Credit Card Balances To Boost Credit Scores

ByGustan Cho Posted onOctober 25, 2023December 18, 2023

This guide covers paying down credit card balances to boost credit scores and lower high debt-to-income ratios to qualify for…

Continue Reading Paying Down Credit Card Balances To Boost Credit ScoresContinue

FICO and VantageScore
Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Difference Between FICO and VantageScore Credit Scores

ByAnngelli Abenes Posted onOctober 14, 2023December 18, 2023

This guide covers the differences between FICO and VantageScore Credit Scores. We will explain the differences between FICO and VantageScore…

Continue Reading Difference Between FICO and VantageScore Credit ScoresContinue

Lowest Credit Score Allowed For Mortgage Approvals depends on the individual loan program
Bad Credit Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Lowest Credit Score Allowed For Mortgage Approvals

ByGustan Cho Posted onJanuary 9, 2023October 9, 2024

This guide covers what is the lowest credit score allowed for mortgage approvals. The team at Gustan Cho Associates gets…

Continue Reading Lowest Credit Score Allowed For Mortgage ApprovalsContinue

Types of Mortgage Lenders For Best Rates and Loan Options
NON-QM Loans | Home Mortgages | Qualifying & Getting Pre-approved | Videos

Types of Mortgage Lenders For Best Rates and Loan Options

ByMike Gracz Posted onJanuary 9, 2023April 7, 2025

Gustan Cho Associates has over 160 wholesale lending partnerships. Gustan Cho Associates has a national reputation for its no lender…

Continue Reading Types of Mortgage Lenders For Best Rates and Loan OptionsContinue

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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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Resources

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  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
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  • 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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