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Gustan Cho Associates
  • About UsExpand
    • Contact Us
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    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
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      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
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      • Investment Property Loan
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      • FHA Manual Underwriting
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      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
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      • Conventional Loans W-2 Income ONLY Mortgages
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      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
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    • Jumbo Mortgage
    • FHA 203K Loans
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  • CareersExpand
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

FHA loans

Home / FHA loans
Manual Underwriting DTI Guidelines
FHA Loans | Manual Underwriting | VA Loans | Videos

Manual Underwriting DTI Guidelines for FHA and VA Loans

ByMargarett Jurilla Posted onOctober 14, 2025October 14, 2025

This guide covers manual underwriting DTI guidelines on FHA and VA loans. HUD and the Veterans Administration are the only…

Continue Reading Manual Underwriting DTI Guidelines for FHA and VA LoansContinue

Pros and Cons of Conventional and FHA Loans
FHA Loans | Conventional Loans | Videos

The Pros and Cons of Conventional and FHA Loans

ByAlex Carlucci Posted onOctober 13, 2025October 14, 2025

Pros and Cons of Conventional and FHA Loans in 2025 When planning to buy a home, one of the first…

Continue Reading The Pros and Cons of Conventional and FHA LoansContinue

HUD FHA 203h Mortgage Guidelines
FHA Loans

HUD FHA 203h Mortgage Guidelines For Disaster Victims

ByGustan Cho Posted onOctober 13, 2025October 13, 2025

HUD FHA 203h Mortgage Guidelines for Disaster Victims in 2025: Helping Families Rebuild After Natural Disasters with Zero Down Payment…

Continue Reading HUD FHA 203h Mortgage Guidelines For Disaster VictimsContinue

FHA Loan Denied for Low Credit Scores in Ohio
Bad Credit Mortgages | FHA Loans | Videos

FHA Loan Denied For Low Credit Scores in Ohio | AUS Approval

ByGustan Cho Posted onOctober 9, 2025October 9, 2025

FHA Loan Denied for Low Credit Scores in Ohio: Why It Happens and How to Get Approved If your FHA…

Continue Reading FHA Loan Denied For Low Credit Scores in Ohio | AUS ApprovalContinue

Benefits of Refinance Mortgage
Mortgage Refinance | Refinancing | Videos

What Are The Benefits of Refinance Mortgage

ByGustan Cho Posted onOctober 9, 2025October 9, 2025

This guide covers the benefits of refinance mortgage loans. There are many benefits of refinance mortgage. Although the Federal Reserve…

Continue Reading What Are The Benefits of Refinance MortgageContinue

FHA Lender Overlays
Mortgage Lender Overlays | FHA Loans | Videos

What Are FHA Lender Overlays? A Simple Guide

ByAnngelli Abenes Posted onOctober 1, 2025October 2, 2025

If you are thinking about buying a home or refinancing your current mortgage, you may have heard about FHA loans….

Continue Reading What Are FHA Lender Overlays? A Simple GuideContinue

Illinois Mortgage With Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | VA Loans | Videos

Illinois Mortgage With Bad Credit Mortgage Options

ByAnngelli Abenes Posted onOctober 1, 2025October 3, 2025

Your All-Inclusive Manual to Getting an Illinois Mortgage with Bad Credit Mortgage Options. Do you fear poor credit could dash…

Continue Reading Illinois Mortgage With Bad Credit Mortgage OptionsContinue

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

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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

  • How Do Principal Payments Work On Home Mortgages
    How Do Principal Payments Work On Home MortgagesOctober 14, 2025
  • Investment Home Mortgage Loans
    Traditional and Non-Prime Investment Home Mortgage LoansOctober 14, 2025
  • Manual Underwriting DTI Guidelines
    Manual Underwriting DTI Guidelines for FHA and VA LoansOctober 14, 2025
  • How to Cancel PMI
    How To Cancel PMI on Conventional Loans For HomeownersOctober 14, 2025

DTI Calculators

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  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo 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 Lift a Security Freeze on Your Credit Report
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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