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Gustan Cho Associates
  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
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    • MLO License School
    • 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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    • RefinanceExpand
      • Refinance Mortgage Options
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      • Refinance FHA To Conventional Loans
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      • VA Manual Underwriting
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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
    • Reverse Mortgages
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  • CareersExpand
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      • Training a New Mortgage Loan Officer Without Any Experience
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

Home Loan With Bad Credit

Home / Home Loan With Bad Credit - Page 2
Buying a Home in Tennessee with Bad Credit
FHA Loans | Bad Credit Mortgages | VA Loans | Videos

Buying a Home In Tennessee With Bad Credit and Low FICO

ByAnngelli Abenes Posted onMarch 7, 2024August 8, 2024

HUD oversees the Federal Housing Administration (FHA) and helps homebuyers in buying a home in Tennessee with bad credit and…

Continue Reading Buying a Home In Tennessee With Bad Credit and Low FICOContinue

Extenuating Circumstances Guidelines
Bad Credit Mortgages | Videos

Extenuating Circumstances Guidelines on Home Loans

ByGustan Cho Posted onFebruary 26, 2024June 27, 2025

Many agency guidelines list extenuating circumstances as reasons for getting qualified for a mortgage when otherwise they would not qualify. However, borrowers need to understand

Continue Reading Extenuating Circumstances Guidelines on Home LoansContinue

Bad Credit Mortgage Loans Alabama With 530 FICO
Bad Credit Mortgages | FHA Loans | Videos

Bad Credit Mortgage Loans Alabama With 530 FICO

ByGustan Cho Posted onFebruary 26, 2024March 11, 2025

In this article, we will discuss and cover homebuyers qualifying for bad credit mortgage loans Alabama. Qualifying for bad credit…

Continue Reading Bad Credit Mortgage Loans Alabama With 530 FICOContinue

Buying Home In Mississippi With Bad Credit
Bad Credit Mortgages | Videos

Buying Home In Mississippi With Bad Credit and Low FICO

ByMargarett Jurilla Posted onFebruary 16, 2024August 6, 2024

Is Possible To Buying Home In Mississippi With Bad Credit With Lender With No Overlays? Yes, it is at Gustan Cho Associates. Gustan Cho Associates is a mortgage company licensed in Mississippi.

Continue Reading Buying Home In Mississippi With Bad Credit and Low FICOContinue

Increase Credit Scores Before Applying For Mortgage
Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Increase Credit Scores Before Applying For Mortgage

ByGustan Cho Posted onJanuary 20, 2024May 27, 2024

This guide covers how to increase credit scores before applying for mortgage. Consumer credit report and credit scores are probably the most…

Continue Reading Increase Credit Scores Before Applying For MortgageContinue

How Lender Overlays Prevent Mortgages
Mortgage Lender Overlays

How Lender Overlays Prevent Mortgages For Homebuyers

ByAlex Carlucci Posted onDecember 29, 2023November 4, 2024

This  guide covers how lender overlays prevent mortgages for homebuyers. The Federal Reserve Board announced that almost a third of…

Continue Reading How Lender Overlays Prevent Mortgages For HomebuyersContinue

Best Arizona Mortgage Lenders For Bad Credit With Low FICO
Videos | Mortgage Lender Overlays | VA Loans

Best Arizona Mortgage Lenders For Bad Credit With Low FICO

ByAlex Carlucci Posted onNovember 24, 2023July 26, 2024

This blog covers the best Arizona mortgage lenders for bad credit with low FICO credit scores. It is an important…

Continue Reading Best Arizona Mortgage Lenders For Bad Credit With Low FICOContinue

Best Neighborhoods With Water Features in Phoenix
Home Mortgages | Home Purchase | Investment Homes | Real Estate Topic | Videos

Best Neighborhoods With Water Features in Phoenix

ByMargarett Jurilla Posted onJune 12, 2023November 4, 2024

This guide will cover the best neighborhoods with water features in Phoenix to buy a house. We will discuss the…

Continue Reading Best Neighborhoods With Water Features in PhoenixContinue

Mortgage for First-Time Home Buyers
Bad Credit Mortgages | First Time Home Buyers | Home Purchase | Videos

Mortgage for First-Time Home Buyers with Bad Credit

ByGustan Cho Posted onMarch 17, 2023July 24, 2024

Borrowers with prior outstanding collections, charged-off accounts, and other bad credit can qualify for a mortgage without paying them off. The key to qualifying for a mortgage is not prior bad credit but timely payments.

Continue Reading Mortgage for First-Time Home Buyers with Bad CreditContinue

Washington DC Lenders
High-Balance Mortgage Loans | Home Mortgages | Investment Homes | NON-QM Loans | Videos

Washington DC Lenders For Traditional and Non-QM Mortgages

ByMike Gracz Posted onJanuary 23, 2023July 24, 2024

In this blog, we will cover and discuss the top-rated five-star Washington DC lenders for traditional and non-QM mortgages who…

Continue Reading Washington DC Lenders For Traditional and Non-QM MortgagesContinue

Buying a House in Alaska
Bad Credit Mortgages | Bank Statement Loans

Buying a Home in Alaska With Low FICO Scores and Poor Credit

ByGustan Cho Posted onJanuary 5, 2023July 23, 2024

This article will cover buying a home in Alaska with bad credit. Buying a home in Alaska with bad credit…

Continue Reading Buying a Home in Alaska With Low FICO Scores and Poor CreditContinue

Buying a House in Iowa
Bad Credit Mortgages

Everything You Need To Know Buying a House in Iowa

ByAlex Carlucci Posted onNovember 20, 2022July 23, 2024

In this blog, we will cover everything you need to know about buying a house in Iowa. Iowa is becoming…

Continue Reading Everything You Need To Know Buying a House in IowaContinue

Home Loan With Unpaid Collection Accounts
Collection Accounts

Home Loan With Unpaid Collection Accounts Mortgage Options

ByDale Elenteny Posted onJune 25, 2022July 23, 2024

In this blog, we will cover and discuss qualifying for home loan with unpaid collection accounts mortgage options. There are…

Continue Reading Home Loan With Unpaid Collection Accounts Mortgage OptionsContinue

Home Loans in Virginia
Bad Credit Mortgages | Videos

Home Loans in Virginia For Bad Credit and 550 FICO Scores

ByDale Elenteny Posted onJune 13, 2022October 8, 2024

Homebuyers have many mortgage options when looking for home loans in Virginia for bad credit and low credit scores. The…

Continue Reading Home Loans in Virginia For Bad Credit and 550 FICO ScoresContinue

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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

  • Refinancing NON-QM Loans
    Refinancing NON-QM Loans To Traditional MortgagesJuly 1, 2025
  • Funds required for first-time home buyer on a home purchase
    Funds Required For First-Time Home Buyer on a PurchaseJuly 1, 2025
  • Escrow Hold Back
    Escrow Hold Back For Home RepairsJuly 1, 2025
  • Understanding VA Mortgage Rates
    Understanding VA Mortgage Rates And LLPAJuly 1, 2025

DTI Calculators

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  • 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 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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