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Gustan Cho Associates
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    • Contact Us
    • Get Pre-Approved
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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
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      • Conventional Loans W-2 Income ONLY Mortgages
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      • Bank Statement Loans
      • DSCR Loans
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Call or Text: (800) 900-8569

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Gustancho Associates

FHA loans

Home / FHA loans
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

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 onJanuary 24, 2025April 7, 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 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, 2025April 8, 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

HUD Forbearance Guidelines
Headline News Archives

HUD Forbearance Guidelines On FHA Loans: Things to Know

ByMike Gracz Posted onDecember 11, 2024December 16, 2024

HUD Forbearance Guidelines on FHA Loans: What Borrowers Need to Know in 2024 Are you struggling to make your mortgage…

Continue Reading HUD Forbearance Guidelines On FHA Loans: Things to KnowContinue

Conventional Loan After Chapter 13
Mortgage After Bankruptcy and Foreclosure

Conventional Loan After Chapter 13 Bankruptcy Guidelines

ByGustan Cho Posted onDecember 3, 2024December 5, 2024

Can You Get a Conventional Loan After Chapter 13 Bankruptcy? Your Complete Guide to 2024 Requirements and Options If you’ve…

Continue Reading Conventional Loan After Chapter 13 Bankruptcy GuidelinesContinue

FHA Loans Chicago
FHA Loans | Bad Credit Mortgages | Condominium Loans | Condotel and Non-Warrantable Condos | First Time Home Buyers | Videos

FHA Loans Chicago With No Overlays on Government Loans

ByAnngelli Abenes Posted onNovember 7, 2024November 13, 2024

FHA Loans Chicago: Your 2024 Guide to Affordable Homeownership Buying a home in Chicago can be daunting, especially with rising…

Continue Reading FHA Loans Chicago With No Overlays on Government LoansContinue

Updated FHA Loan Requirements
Collection Accounts | FHA Loans | Qualifying & Getting Pre-approved | Regulations | Videos

Updated FHA Loan Requirements on HUD Guidelines

ByGustan Cho Posted onNovember 7, 2024January 29, 2025

Updated FHA Loan Requirements for 2024: What You Need to Know Are you considering an FHA loan to buy a…

Continue Reading Updated FHA Loan Requirements on HUD GuidelinesContinue

Mortgage Guidelines After Bankruptcy and Foreclosure
FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | NON-QM Loans | USDA Loans | VA Loans | Videos

Mortgage Guidelines After Bankruptcy and Foreclosure

ByGustan Cho Posted onOctober 17, 2024November 5, 2024

Mortgage Guidelines After Bankruptcy and Foreclosure in 2024 If you’ve been through bankruptcy or foreclosure, you might feel like owning…

Continue Reading Mortgage Guidelines After Bankruptcy and ForeclosureContinue

HUD DTI Guidelines
FHA Loans | High Debt To Income Ratio

Simple Guide to HUD DTI Guidelines for FHA Loans

ByGustan Cho Posted onOctober 11, 2024October 15, 2024

Understanding HUD DTI Guidelines for FHA Loans in 2024: How to Qualify for a Purchase or Refinance When you’re considering…

Continue Reading Simple Guide to HUD DTI Guidelines for FHA LoansContinue

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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

  • Hard Money Lenders
    Simple Truth: What Are Hard Money Lenders and How They HelpMay 5, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansMay 5, 2025
  • Qualifying for Mortgage with Irregular Income
    Qualifying For Mortgage With Irregular IncomeApril 30, 2025
  • Home Loan with Tax Lien
    Home Loan With Tax Lien And Judgment Mortgage GuidelinesApril 29, 2025

DTI Calculators

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Equal Housing Opportunity Lender Gustan Cho Associates empowered by NEXA Mortgage LLC. NMLS# 1660690,
Corporate Address: 3100 Ray Road Suite 201 Office # 209 | Chandler AZ 85226 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
      • 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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