Skip to content

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

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
  • BlogsExpand
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

Re-Establishing Credit

Home / Re-Establishing Credit - Page 2
HUD Bankruptcy Guidelines
Videos | Bad Credit Mortgages | Compensating Factors | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Re-Establishing Credit

HUD Bankruptcy Guidelines After Chapter 7 And Chapter 13

ByGustan Cho Posted onMarch 13, 2024April 26, 2024

This article will discuss HUD bankruptcy guidelines following Chapter 7 and Chapter 13 bankruptcy, particularly about FHA loans. HUD Bankruptcy…

Continue Reading HUD Bankruptcy Guidelines After Chapter 7 And Chapter 13Continue

Mortgage with Recent Derogatory Credit
Videos | Bad Credit Mortgages | Mortgage After Bankruptcy and Foreclosure | Mortgage With Late Payments | NON-QM Loans | Re-Establishing Credit

Mortgage With Recent Derogatory Credit in the Past 12 Months

ByGustan Cho Posted onMarch 5, 2024August 8, 2024

In this article, we will cover and discuss qualifying for a mortgage with recent derogatory credit with our non-QM loan…

Continue Reading Mortgage With Recent Derogatory Credit in the Past 12 MonthsContinue

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

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

How Credit Repair Works During Mortgage Process
Credit Disputes | Credit Scores | Re-Establishing Credit | Videos

How Credit Repair Works During The Mortgage Process

ByMargarett Jurilla Posted onFebruary 28, 2024April 7, 2025

This guide covers how credit repair works during the mortgage process. A substantial percentage of my borrowers are folks who…

Continue Reading How Credit Repair Works During The Mortgage ProcessContinue

Update Credit Report Fast
Re-Establishing Credit | Videos

Get Recent Update Credit Report Fast With a Rapid Rescore

ByAlex Carlucci Posted onFebruary 15, 2024August 6, 2024

In this blog post, we’ll delve into the most recent methods to update credit report fast using rapid rescore to…

Continue Reading Get Recent Update Credit Report Fast With a Rapid RescoreContinue

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

Credit Tradelines Requirements
Re-Establishing Credit | Videos

Credit Tradelines Requirements To Qualify For Mortgage Loans

ByAlex Carlucci Posted onFebruary 5, 2024August 5, 2024

In this article, we will delve into the credit tradelines requirements essential for mortgage loan application eligibility. The credit tradelines…

Continue Reading Credit Tradelines Requirements To Qualify For Mortgage LoansContinue

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

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

Fix Bad Credit To Qualify For a Home Mortgage
Bad Credit Mortgages | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

How To Fix Bad Credit To Qualify For a Home Mortgage

ByGustan Cho Posted onJanuary 16, 2024July 29, 2024

This guide covers how to fix bad credit to qualify for a mortgage. How to fix bad credit to qualify…

Continue Reading How To Fix Bad Credit To Qualify For a Home MortgageContinue

Low Rates With High FICO
Re-Establishing Credit | Mortgage Rates | Videos

Can I Get Low Rates With High FICO For a Mortgage

ByAlex Carlucci Posted onJanuary 12, 2024March 11, 2025

When saving money buying a house, remember one key thing, low rates with FICO credit scores. This article will cover…

Continue Reading Can I Get Low Rates With High FICO For a MortgageContinue

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, 2023July 8, 2025

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

Installment Loans
Credit Scores | Re-Establishing Credit | Videos

Can Installment Loans Help Build Your Credit For a Mortgage

ByGustan Cho Posted onJuly 19, 2023July 25, 2024

This guide covers how installment loans help rebuild your credit to help borrowers qualify for a mortgage. Installment loans can…

Continue Reading Can Installment Loans Help Build Your Credit For a MortgageContinue

Home Loans With No Credit
Bad Credit Mortgages | Credit Scores | FHA Loans | First Time Home Buyers | Home Mortgages | Re-Establishing Credit | Videos

Home Loans With No Credit Mortgage Guidelines

ByGustan Cho Posted onJuly 13, 2023March 19, 2024

This guide covers applying for and getting approved for home loans with no credit.  We have covered many blogs on…

Continue Reading Home Loans With No Credit Mortgage GuidelinesContinue

Fraudulent Credit Card Charges
Credit Disputes | Credit Scores | Re-Establishing Credit

How To Dispute Fraudulent Credit Card Charges

ByDale Elenteny Posted onJuly 12, 2023December 18, 2023

This guide covers frequently asked questions disputing fraudulent credit card charges. We will detail how to avoid and protect yourself…

Continue Reading How To Dispute Fraudulent Credit Card ChargesContinue

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

Credit Card Balance vs Credit Scores
Re-Establishing Credit | Credit Scores | Mortgage Rates | Videos

The Correlation Between Credit Card Balance vs Credit Scores

ByGustan Cho Posted onDecember 9, 2022July 23, 2024

In this article, we will cover the correlation between credit card balance vs credit scores. There are mortgage guidelines on…

Continue Reading The Correlation Between Credit Card Balance vs Credit ScoresContinue

Using Secured Credit Cards To Raise Credit Scores
Re-Establishing Credit | Secured Credit Cards

Using Secured Credit Cards To Improve Scores For Mortgage

ByGustan Cho Posted onDecember 5, 2022July 23, 2024

The best and easiest way to rebuild and re-establish credit to qualify for a mortgage is using secured credit cards…

Continue Reading Using Secured Credit Cards To Improve Scores For MortgageContinue

How Do Underwriters View Charge Off Accounts With Balances
Re-Establishing Credit

How Do Underwriters View Charge Off Accounts With Balances

ByGustan Cho Posted onAugust 24, 2021July 29, 2025

This Article Is About How Do Underwriters View Charge Off Accounts With Balances Home Buyers Can Now Qualify Mortgages With…

Continue Reading How Do Underwriters View Charge Off Accounts With BalancesContinue

Page navigation

Previous PagePrevious 1 2 3 Next PageNext

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

  • Recent Increase In Income
    How is Recent Increase in Income Viewed by UnderwritersAugust 12, 2025
  • FHFA increases conventional loan limit
    FHFA Increases Conventional Loan Limit for 2025August 12, 2025
  • Mortgage Approval with 580 FICO Credit Score
    Mortgage Approval With 580 FICO Credit ScoreAugust 12, 2025
  • Refinance Mortgage Guidelines
    Refinance Mortgage GuidelinesAugust 12, 2025

DTI Calculators

  • FHA DTI Calculator
  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limit Change – See If You Qualify

Subsidiary Sites

  • Gustan Cho Associates Mortgage Advisor
  • GCA Mortgage Group
  • GCA Forum

Connect With Us

  • Facebook
  • LinkedIn
  • YouTube
  • Instagram
  • TikTok
  • Tumblr

Resources

  • Get Pre-Approved
  • Get Automated Underwriting System Approval
  • FICO Simulator
  • MLO License School
  • DTI Mortgage Calculator
  • Documents Required For Mortgage Process
  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
  • 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.
Disclaimer | Licenses | Copyrights | Privacy  NMLS Consumer Access© 2025 - Gustan Cho Associates. All Rights Reserved.SiteLock
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
Search