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Collection Accounts

Home / Collection Accounts
Lender Overlays on Collection Accounts
Collection Accounts | Charge Off Accounts | Mortgage Lender Overlays | Videos

Lender Overlays on Collection Accounts: What Banks Won’t Say

ByGustan Cho Posted onAugust 26, 2025August 27, 2025

Lender Overlays on Collection Accounts: What Borrowers Need to Know in 2025 Many homebuyers feel stuck when they apply for…

Continue Reading Lender Overlays on Collection Accounts: What Banks Won’t SayContinue

What are 7 Ways to Defend a Debt Collection Lawsuit
Collection Accounts

7 Ways to Defend a Debt Collection Lawsuit by Consumers

ByAlex Carlucci Posted onAugust 7, 2025August 8, 2025

In this guide, we will cover 7 ways to defend a debt collection lawsuit. Jobs come with various offerings which…

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Conventional Loan Collection Accounts Guidelines
Collection Accounts | Conventional Loans | Videos

Conventional Loan Collection Accounts Guidelines

ByGustan Cho Posted onFebruary 18, 2025April 7, 2025

Conventional Loan Collection Accounts Guidelines: 2025 Updates If you have collection accounts on your credit report and want to buy…

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FHA Mortgage Guidelines on Collection Accounts
Collection Accounts | Bad Credit Mortgages | Videos

FHA Mortgage Guidelines on Collection Accounts

ByGustan Cho Posted onJanuary 31, 2025April 22, 2025

FHA Mortgage Guidelines on Collection Accounts: How to Qualify for a Home Loan in 2025 Buying a home with collection…

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97 LTV Conventional Versus FHA Loans
Conventional Loans | FHA Loans | Videos

Comparison of 97 LTV Conventional Versus FHA Loans

ByGustan Cho Posted onNovember 14, 2024May 15, 2025

97 LTV Conventional Versus FHA Loans: Which One Is Right for You? If you’re like most first-time homebuyers, one of…

Continue Reading Comparison of 97 LTV Conventional Versus FHA LoansContinue

Mortgage With Collection Accounts
Automated Underwriting System | Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Videos

Mortgage With Collection Accounts And Charge-Offs

ByGustan Cho Posted onOctober 1, 2024May 20, 2025

In 2024, is it possible to secure a mortgage with collection accounts? Yes, find out how it can be done!…

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Qualifying For Mortgage With Collection Accounts
Collection Accounts | FHA Loans | Videos

Qualifying For Mortgage With Collection Accounts Guidelines

ByAnngelli Abenes Posted onMay 3, 2024July 29, 2025

In this blog, we will cover and discuss qualifying for mortgage with collection accounts guidelines. Homebuyers can qualify for a…

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Past Due Versus Collection And Charge Off Accounts
Bad Credit Mortgages | Collection Accounts | FHA Loans | Videos

Past Due Versus Collection And Charge Off Accounts Mortgage Guidelines

ByGustan Cho Posted onMarch 29, 2024July 8, 2025

In this blog, we will discuss and cover Past Due Versus Collection And Charge Off Accounts when qualifying and getting…

Continue Reading Past Due Versus Collection And Charge Off Accounts Mortgage GuidelinesContinue

Debt Collection Laws in Community Property States
Collection Accounts | Charge Off Accounts | FHA Loans | Videos

Debt Collection Laws in Community Property States

ByDale Elenteny Posted onMarch 20, 2024August 13, 2024

In this blog, we will cover the debt collection laws in community property states and qualifying for a home mortgage….

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Written Payment Agreements With Creditors
Charge Off Accounts | Collection Accounts | FHA Loans | Videos

Written Payment Agreements With Creditors

ByGustan Cho Posted onDecember 18, 2023December 19, 2023

This guide covers setting up written payment agreements with creditors and collection agencies so you can qualify and get pre-approved…

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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

  • Washington DC Lenders
    Washington DC Lenders For Traditional and Non-QM MortgagesSeptember 12, 2025
  • Mortgage Escrow Account
    What is a Mortgage Escrow Account for Purchase and RefinanceSeptember 11, 2025
  • Colorado VA Lenders
    Colorado VA Lenders For Bad Credit With No Lender OverlaysSeptember 10, 2025
  • Mortgage Guidelines After Unemployment
    Mortgage Guidelines After Unemployment You Can TrustSeptember 10, 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 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 Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loan with Judgment
    • USDA Loans
    • DACA Mortgage Loans
    • Conventional Loans
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Bad Credit Scores
    • Condotel Financing
    • NON-QM Loans
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
      • 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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