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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 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 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 LoansExpand
      • 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 LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
      • 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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    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

FHA loans

Home / FHA loans
FHA Loans With Low Credit Scores in Nebraska
Bad Credit Mortgages | FHA Loans | First Time Home Buyers | Videos

FHA Loans With Low Credit Scores in Nebraska

ByAnngelli Abenes Posted onSeptember 9, 2025September 9, 2025

FHA Loans With Low Credit Scores in Nebraska: Your Guide to Homeownership in 2025 Are you concerned your low credit…

Continue Reading FHA Loans With Low Credit Scores in NebraskaContinue

Best Bad Credit Mortgage Lenders in Alaska
FHA Loans | Bad Credit Mortgages

Best Bad Credit Mortgage Lenders in Alaska For Low Scores

ByAlex Carlucci Posted onSeptember 7, 2025September 8, 2025

In this blog, we will cover and discuss the best bad credit mortgage lenders in Alaska for FHA loans. The…

Continue Reading Best Bad Credit Mortgage Lenders in Alaska For Low ScoresContinue

Government Mortgages
FHA Loans | USDA Loans | VA Loans

Government Mortgages For Owner-Occupant Homebuyers

ByGustan Cho Posted onAugust 24, 2025August 25, 2025

In this blog, we will cover and discuss government mortgages for owner-occupant homebuyers. We will go in-depth about what government…

Continue Reading Government Mortgages For Owner-Occupant HomebuyersContinue

FHA Streamline Refinance Utah
Mortgage Refinance | FHA and VA Streamline Refinance | FHA Loans | Videos

FHA Streamline Refinance Utah Mortgage Guidelines

ByJohn Strange Posted onAugust 24, 2025August 25, 2025

In this article, we will cover and discuss FHA streamline refinance Utah mortgage guidelines. Gustan Cho Associates, Empowered by NEXA…

Continue Reading FHA Streamline Refinance Utah Mortgage GuidelinesContinue

What are FHA Loan Limits For One-to-Four Unit Properties
FHA Loans

What Are The FHA Loan Limits For One-to-Four Unit Properties in Illinois

ByGustan Cho Posted onAugust 19, 2025August 20, 2025

This guide covers what are the FHA loan limits for one-to-four unit properties in Illinois. FHA loan limits for one-to-four…

Continue Reading What Are The FHA Loan Limits For One-to-Four Unit Properties in IllinoisContinue

Pros and Cons of Home Equity Conversion Mortgage
Reverse Mortgages

Pros and Cons of Home Equity Conversion Mortgage

ByMike Gracz Posted onAugust 14, 2025August 15, 2025

This guide covers the pros and cons of home equity conversion mortgage. There are the pros and cons of home…

Continue Reading Pros and Cons of Home Equity Conversion MortgageContinue

Mortgage Approval with 580 FICO Credit Score
FHA Loans | Credit Scores | Mortgage Processing And Underwriting | VA Loans | Videos

Mortgage Approval With 580 FICO Credit Score

ByGustan Cho Posted onAugust 12, 2025September 2, 2025

Mortgage Approval with 580 FICO Credit Score in 2025: Your Complete Guide If you’ve been told you can’t get a…

Continue Reading Mortgage Approval With 580 FICO Credit ScoreContinue

Manual Underwriting with Extenuating Circumstances
Manual Underwriting | FHA Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Manual Underwriting With Extenuating Circumstances

ByAlex Carlucci Posted onAugust 5, 2025September 3, 2025

Manual Underwriting With Extenuating Circumstances: 2025 Guide to Mortgage Approval Buying a home can feel impossible when you’ve had tough…

Continue Reading Manual Underwriting With Extenuating CircumstancesContinue

Benefits of FHA Loans
Bad Credit Mortgages

Benefits of FHA Loans For First Time Homebuyers

ByGustan Cho Posted onAugust 2, 2025August 4, 2025

This guide covers the benefits of FHA loans for first time homebuyers. There are many benefits of FHA loans for…

Continue Reading Benefits of FHA Loans For First Time HomebuyersContinue

FHA Investor Overlays
Mortgage Lender Overlays

FHA Investor Overlays Versus HUD Agency Mortgage Guidelines

ByGustan Cho Posted onJuly 22, 2025August 21, 2025

FHA Investor Overlays: What They Are and How to Avoid Them Are you trying to get an FHA loan but…

Continue Reading FHA Investor Overlays Versus HUD Agency Mortgage GuidelinesContinue

15-Year vs 30-Year FHA Loans
FHA Loans

15-Year vs 30-Year FHA Loans: Which Is Better for You?

ByGustan Cho Posted onJuly 15, 2025July 16, 2025

In this guide, we will cover getting 15-year vs 30-year FHA loans. We will compare and contrast 15-year vs 30-year…

Continue Reading 15-Year vs 30-Year FHA Loans: Which Is Better for You?Continue

Mortgage Interest Rates
Mortgage Rates

Mortgage Interest Rates on Conventional versus FHA Loans

ByAlex Carlucci Posted onJuly 10, 2025July 10, 2025

This guide covers mortgage interest rates on conventional versus FHA loans. Mortgage interest rates on conventional loans are more sensitive…

Continue Reading Mortgage Interest Rates on Conventional versus FHA LoansContinue

Clear-to-Close on FHA Loans
Clear To Close | Conditional Loan Approval | FHA Loans | Videos

What Does a Clear-to-Close on FHA Loans Mean?

ByAnngelli Abenes Posted onJuly 1, 2025July 1, 2025

This guide covers what a clear-to-close on FHA loans means. What does a clear-to-close on FHA loans mean for borrowers?…

Continue Reading What Does a Clear-to-Close on FHA Loans Mean?Continue

DTI Manual Underwriting Guidelines
Manual Underwriting | Compensating Factors | FHA Loans | High Debt To Income Ratio | VA Loans | Verification Of Rent | Videos

DTI Manual Underwriting Guidelines on FHA and VA Loans

ByAlex Carlucci Posted onJuly 1, 2025July 29, 2025

Understanding DTI Manual Underwriting Guidelines for FHA, VA, Non-QM, and Alternative Loans (2025 Update) Debt-to-income (DTI) manual underwriting guidelines are…

Continue Reading DTI Manual Underwriting Guidelines on FHA and VA LoansContinue

FHA Loans After Unemployment
Gaps In Employment | FHA Loans | Income And Employment | Videos

FHA Loans After Unemployment Mortgage Guidelines

ByGustan Cho Posted onJune 30, 2025June 30, 2025

This blog examines the eligibility requirements for FHA loans after unemployment or employment gaps. Prospective FHA loan applicants now have…

Continue Reading FHA Loans After Unemployment Mortgage GuidelinesContinue

Manual Downgrade From AUS Approval
FHA Loans | Automated Underwriting System | Manual Underwriting | Videos

Manual Downgrade From AUS Approval on FHA Loans

ByAnngelli Abenes Posted onJune 27, 2025June 30, 2025

Manual Downgrade from AUS Approval: What It Means and How to Get a Mortgage in 2025 Getting a mortgage can…

Continue Reading Manual Downgrade From AUS Approval on FHA LoansContinue

Mortgage Guidelines After High School
Income And Employment | FHA Loans | Student Loans | USDA Loans | VA Loans | Videos

Mortgage Guidelines After High School Without Experience

ByAnngelli Abenes Posted onJune 27, 2025June 30, 2025

Mortgage Guidelines After High School: How to Qualify for a Home Loan Buying a home is a big dream for…

Continue Reading Mortgage Guidelines After High School Without ExperienceContinue

Appraisal Transfer Policy
Appraisal | First Time Home Buyers | Videos

Appraisal Transfer Policy From One Lender To Another

ByGustan Cho Posted onJune 26, 2025July 29, 2025

Appraisal Transfer Policy: How to Transfer a Home Appraisal to a New Lender If you’re changing mortgage lenders and have…

Continue Reading Appraisal Transfer Policy From One Lender To AnotherContinue

FHA 203i Loans
FHA Loans

FHA 203i Loans Mortgage Lending Guidelines For Borrowers

ByGustan Cho Posted onMarch 21, 2025March 24, 2025

Understanding FHA 203i Loans: Exploring Your Options with Gustan Cho Associates Are you considering purchasing a home in a rural…

Continue Reading FHA 203i Loans Mortgage Lending Guidelines For BorrowersContinue

FHA Condo Mortgage Guidelines
Condominium Loans | FHA Loans | Videos

FHA Condo Mortgage Guidelines: What You Must Know

ByAnngelli Abenes Posted onFebruary 19, 2025February 20, 2025

For many homebuyers, buying a condo can be an excellent option due to its combination of affordability, convenience, and a…

Continue Reading FHA Condo Mortgage Guidelines: What You Must KnowContinue

FHA Loan During Chapter 13 Bankruptcy in Arizona
FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

FHA Loan During Chapter 13 Bankruptcy in Arizona

ByGustan Cho Posted onFebruary 12, 2025March 11, 2025

FHA Loan During Chapter 13 Bankruptcy in Arizona: How to Get Approved in 2025 Buying a home while navigating Chapter…

Continue Reading FHA Loan During Chapter 13 Bankruptcy in ArizonaContinue

FHA HIgh-Balance Lenders in New Jersey
FHA Loans

FHA High-Balance Lenders in New Jersey With Low Rates | 2025

ByDale Elenteny Posted onFebruary 11, 2025February 12, 2025

FHA High-Balance Lenders in New Jersey: Get Approved with Lenient Guidelines If you’re looking for FHA high-balance lenders in New…

Continue Reading FHA High-Balance Lenders in New Jersey With Low Rates | 2025Continue

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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
  • How to Find the Best Realtor
    How To Find The Best Realtor For First-Time HomebuyersSeptember 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

DTI Calculators

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  • Conventional DTI Calculator
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Resources

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  • 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 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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