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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
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      • Refinance FHA To Conventional Loans
    • FHA Home LoansExpand
      • FHA Manual Underwriting
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      • FHA Loans For Bad Credit
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      • 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
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      • 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
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  • CareersExpand
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Call or Text: (800) 900-8569

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Gustancho Associates

FHA loans

Home / FHA loans
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 8, 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, 2025June 27, 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

SOuth Dakota FHA Lenders for Under 600 FICO
FHA Loans | Videos

South Dakota FHA Lenders For Under 600 FICO With Collections

ByGustan Cho Posted onFebruary 7, 2025February 11, 2025

South Dakota FHA Lenders for Under 600 FICO: How to Get Approved for a Mortgage in 2025 Are you looking…

Continue Reading South Dakota FHA Lenders For Under 600 FICO With CollectionsContinue

FHA Loans With Child Support Payments
Bad Credit Mortgages | FHA Loans

FHA Loans With Child Support Payments Mortgage Guidelines

ByGustan Cho Posted onFebruary 6, 2025February 6, 2025

FHA Loans with Child Support Payments: How to Qualify in 2025 Child support payments can significantly affect your ability to…

Continue Reading FHA Loans With Child Support Payments Mortgage GuidelinesContinue

Home Loans for Single Moms
Bad Credit Mortgages | FHA Loans | Freddie Mac HomeOne | Gift of Equity

5 Hidden Grants That Make Home Loans for Single Moms Easy

ByAnngelli Abenes Posted onFebruary 3, 2025February 5, 2025

Buying a home as a single parent may seem tough, but there are home loans for single moms that can…

Continue Reading 5 Hidden Grants That Make Home Loans for Single Moms EasyContinue

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…

Continue Reading FHA Mortgage Guidelines on Collection AccountsContinue

FHA Manual Underwriting Mortgage Guidelines
Manual Underwriting | FHA Loans | Verification Of Rent | video | Videos

FHA Manual Underwriting Mortgage Guidelines

ByGustan Cho Posted onJanuary 29, 2025March 11, 2025

FHA Manual Underwriting Mortgage Guidelines: 2025 Update If you’re applying for an FHA loan and received a “Refer/Eligible” from the…

Continue Reading FHA Manual Underwriting Mortgage GuidelinesContinue

FHA Cashout Refinance Mortgage Loans
FHA Loans | Mortgage Processing And Underwriting | Mortgage Refinance | Refinancing | Videos

Understanding FHA Cash-out Refinance Mortgage Loans

ByAnngelli Abenes Posted onJanuary 22, 2025February 10, 2025

Understanding FHA Cash-out Refinance Mortgage Loans in 2025 Are you a homeowner looking to use your home’s equity to reach…

Continue Reading Understanding FHA Cash-out Refinance Mortgage LoansContinue

Major Changes In FHA Guidelines
FHA Loans | Videos

Major Changes In FHA Guidelines HUD 4000.1 Handbook

ByGustan Cho Posted onJanuary 17, 2025January 19, 2025

This guide will delve into the major changes in FHA guidelines, specifically the HUD 4000.1 Handbook, which may have implications…

Continue Reading Major Changes In FHA Guidelines HUD 4000.1 HandbookContinue

FHA Guidelines on Charge-Offs and Collections
Videos | Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | FHA Loans

FHA Guidelines on Charge-Offs and Collections For 2025

ByDale Elenteny Posted onJanuary 16, 2025June 27, 2025

In this guide, we will discuss the FHA guidelines on charge-offs and collections, crucial information for anyone seeking an FHA…

Continue Reading FHA Guidelines on Charge-Offs and Collections For 2025Continue

HUD 4000.1 FHA Handbook
FHA Loans | Videos

HUD 4000.1 FHA Handbook Revised For FHA Loans

ByGustan Cho Posted onJanuary 15, 2025January 17, 2025

This blog is a short-cut guide to the HUD 4000.1 FHA Handbook Revised For FHA Loans. The HUD 4000.1 FHA…

Continue Reading HUD 4000.1 FHA Handbook Revised For FHA LoansContinue

Manual Underwriting During Chapter 13
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | VA Loans | Videos

Manual Underwriting During Chapter 13 Mortgage Process

ByGustan Cho Posted onDecember 19, 2024December 26, 2024

In this article, we will discuss and cover manual underwriting during Chapter 13 mortgage process. Homebuyers can qualify for an…

Continue Reading Manual Underwriting During Chapter 13 Mortgage ProcessContinue

Refinancing With FHA Mortgage Insurance Premium Reduction
Mortgage Insurance

Refinancing With FHA Mortgage Insurance Premium Reduction

ByGustan Cho Posted onDecember 16, 2024December 17, 2024

Refinancing your mortgage is a smart way to lower your housing costs and save money over time. For FHA homeowners,…

Continue Reading Refinancing With FHA Mortgage Insurance Premium ReductionContinue

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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

  • Short Sale Home Purchase
    Short Sale Home Purchase Process For HomebuyersJuly 10, 2025
  • Do the prospects for mortgage loans seem promising after the election of a new president?
    Mortgage Rate Forecast and Outlook Seems PromisingJuly 10, 2025
  • Mortgage Interest Rates
    Mortgage Interest Rates on Conventional versus FHA LoansJuly 10, 2025
  • Waiting Period After Mortgage Part Of Bankruptcy Guidelines
    Waiting Period After Mortgage Part of Bankruptcy GuidelinesJuly 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 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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