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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 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 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
      • 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 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
      • 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
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    • MLO Revenue Share Residual Income Opportunity
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Call or Text: (800) 900-8569

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Home / home mortgage - Page 2
FICO Credit Scores Requirements To Qualify For Mortgage Loans
Home Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

FICO Credit Scores Requirements To Qualify For a Mortgage

ByGustan Cho Posted onMarch 24, 2024August 14, 2024

This guide covers about FICO credit scores to qualify for a mortgage loan. Every  mortgage loan applicant who has applied…

Continue Reading FICO Credit Scores Requirements To Qualify For a MortgageContinue

Mortgage Lenders For Bad Credit in Arkansas
Home Mortgages | Bad Credit Mortgages | FHA Loans | Videos

Mortgage Lenders For Bad Credit in Arkansas With No Overlays

ByDale Elenteny Posted onMarch 23, 2024August 14, 2024

In this article, we will cover and discuss finding the best mortgage lenders for bad credit in Arkansas to qualify…

Continue Reading Mortgage Lenders For Bad Credit in Arkansas With No OverlaysContinue

Applying For Mortgage With Another Lender When Denied
Automated Underwriting System | Home Mortgages | Mortgage Denial | Videos

Applying For Mortgage With Another Lender When Denied

ByGustan Cho Posted onMarch 21, 2024April 7, 2025

In this article, we will cover and discuss applying for mortgage with another lender when denied by the original lender….

Continue Reading Applying For Mortgage With Another Lender When DeniedContinue

Keep Loan Pre-Approval Valid
Home Mortgages | Qualifying & Getting Pre-approved | Videos

How To Keep Loan Pre-Approval Valid For Home Purchase

ByGustan Cho Posted onMarch 20, 2024February 10, 2025

This guide covers how to keep loan pre-approval valid for home purchase. One of the many questions home buyers often…

Continue Reading How To Keep Loan Pre-Approval Valid For Home PurchaseContinue

The Struggle of Car Loans
Auto Loans | High Debt To Income Ratio | Home Mortgages | Income And Employment | Qualifying & Getting Pre-approved | Videos

The Struggle of Car Loans During Mortgage Process

ByAlex Carlucci Posted onMarch 18, 2024August 9, 2024

This guide cover the struggle of car loans during the mortgage process. Looking to buy a new car? Like most…

Continue Reading The Struggle of Car Loans During Mortgage ProcessContinue

Warehouse Line of Credit
Home Mortgages | Mortgage Processing And Underwriting | Videos

Warehouse Line of Credit Used By Mortgage Bankers

ByGustan Cho Posted onMarch 13, 2024August 9, 2024

In this blog, we will discuss and cover the warehouse line of credit used by mortgage bankers and correspondent lenders….

Continue Reading Warehouse Line of Credit Used By Mortgage BankersContinue

Home Mortgage Case Scenarios For Home Buyers
Home Mortgages | First Time Home Buyers | Videos

Home Mortgage Case Scenarios For Homebuyers

ByJohn Strange Posted onMarch 12, 2024March 14, 2024

This guide covers home mortgage case scenarios for homebuyers. Many borrowers have trouble qualifying for conventional and FHA mortgage financing….

Continue Reading Home Mortgage Case Scenarios For HomebuyersContinue

Traditional and Non-QM Mortgage Loan Programs
NON-QM Loans | Jumbo Loans | Videos

Traditional and Non-QM Mortgage Loan Programs

ByDale Elenteny Posted onMarch 11, 2024April 7, 2025

Dozens of non-QM loan programs have been launched for 2021. The dozens of alternative mortgage loan programs is fueling the booming housing market and drying up inventory of home. Thus, it is skyrocketing home prices even more.

Continue Reading Traditional and Non-QM Mortgage Loan ProgramsContinue

What are the 15-year and 30-year mortgage loans in loan programs
Home Mortgages | Mortgage Refinance | Videos

15 Year Versus 30 Year Fixed Rate Mortgages Comparison

ByGustan Cho Posted onMarch 9, 2024August 22, 2024

This ARTICLE On 15 Year Versus 30 Year Fixed Rate Mortgages On Loan Programs. All residential mortgage loan programs have…

Continue Reading 15 Year Versus 30 Year Fixed Rate Mortgages ComparisonContinue

Last-Minute Mortgage Denial By Mortgage Underwriters
Mortgage Processing And Underwriting | Videos

Reasons For Last-Minute Mortgage Denial From Underwriters

ByGustan Cho Posted onFebruary 25, 2024August 6, 2024

There is no reason why a pre-approved borrower should ever get a last-minute mortgage denial by a mortgage underwriter. The main reason why borrowers get a last-minute mortgage

Continue Reading Reasons For Last-Minute Mortgage Denial From UnderwritersContinue

What is a Mortgage
Home Mortgages | Home Purchase | Mortgage Rates | Mortgage Refinance | Videos

Understanding The Basics of What is a Mortgage

ByAlex Carlucci Posted onFebruary 19, 2024August 6, 2024

This guide covers understanding the basics on what is a mortgage. We will cover and discuss the meaning of what…

Continue Reading Understanding The Basics of What is a MortgageContinue

Self-Employed Mortgage With One-Year Tax Returns
NON-QM Loans | Bank Statement Loans | Videos

Self-Employed Mortgage With One-Year Tax Returns

ByGustan Cho Posted onFebruary 19, 2024August 6, 2024

Self-employed borrowers are now eligible to get an approve/eligible per automated underwriting system with one-year income tax returns.

Continue Reading Self-Employed Mortgage With One-Year Tax ReturnsContinue

Getting Faster Mortgage Approvals
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Getting Faster Mortgage Approvals and Closing on Time

ByGustan Cho Posted onFebruary 16, 2024August 6, 2024

Borrowers should not stress during the mortgage process. . There is no reason why there should be stress during the mortgage process.

Continue Reading Getting Faster Mortgage Approvals and Closing on TimeContinue

Truth In Lending Disclosure During The Mortgage Process (1)
Home Purchase | Home Mortgages | Regulations | Videos

Truth in Lending Disclosure During The Mortgage Process

ByGustan Cho Posted onFebruary 12, 2024August 5, 2024

This guide covers the truth in lending disclosure during the mortgage process. Mortgage disclosures are required to be disclosed to…

Continue Reading Truth in Lending Disclosure During The Mortgage ProcessContinue

Escrow Account Mortgage Guidelines
Conventional Loans | FHA Loans | Home Mortgages | Videos

Escrow Account Mortgage Guidelines on Home Mortgage Loans

ByRavinder Sharma Posted onFebruary 10, 2024August 5, 2024

This article covers escrow account mortgage guidelines and requirements.  Lenders conduct periodic escrow analyses to ensure that the account balance…

Continue Reading Escrow Account Mortgage Guidelines on Home Mortgage LoansContinue

FHA Loans With No Credit Scores
Home Mortgages | Videos

How To Get Approved For FHA Loans With No Credit Scores

ByMike Gracz Posted onFebruary 6, 2024April 18, 2025

Gustan Cho Associates are experts when analyzing consumer credit reports. Since we do not have lender overlays, we see all…

Continue Reading How To Get Approved For FHA Loans With No Credit ScoresContinue

Paying Mortgage Balance Early
Home Mortgages

Paying Mortgage Balance Early Before End of Loan Term

ByGustan Cho Posted onFebruary 2, 2024February 5, 2024

This guide covers the benefits of paying mortgage balance early before end of loan term. Paying mortgage balance early before…

Continue Reading Paying Mortgage Balance Early Before End of Loan TermContinue

On Title But Not On Mortgage
Home Mortgages | Real Estate Topic | Videos

Can Homeowners Be on Title But Not on Mortgage

ByGustan Cho Posted onFebruary 2, 2024February 22, 2024

The primary emphasis of this blog centers around the waiting period obligations that individuals face after foreclosure, specifically those on…

Continue Reading Can Homeowners Be on Title But Not on MortgageContinue

Escrow Hold Back
Mortgage Processing And Underwriting | Clear To Close | Home Purchase | Home Sellers | Real Estate Topic | Videos

Escrow Hold Back For Home Repairs

ByGustan Cho Posted onJanuary 30, 2024April 30, 2025

This article will cover what escrow hold back is in the mortgage loan process. We will discuss escrow hold back…

Continue Reading Escrow Hold Back For Home RepairsContinue

Texas housing market
Home Purchase | Home Sellers | Mortgage Rates | Real Estate Topic

Texas Housing Market Forecast For 2023 Through 2024

ByMargarett Jurilla Posted onJanuary 30, 2024July 29, 2024

This guide will cover the Texas housing market forecast for 2023 going into 2024. The Texas housing market is booming…

Continue Reading Texas Housing Market Forecast For 2023 Through 2024Continue

Lender Versus Borrower Paid Mortgage Transactions
Mortgage Processing And Underwriting | Mortgage Rates | Qualifying & Getting Pre-approved | Videos

Lender Versus Borrower Paid Mortgage Transactions

ByAlex Carlucci Posted onJanuary 20, 2024February 19, 2025

In this blog, we will discuss lender versus borrower paid mortgage transactions. Mortgage brokers can often opt to go with…

Continue Reading Lender Versus Borrower Paid Mortgage TransactionsContinue

Importance of Mortgage Qualification and Pre-Approval
Home Mortgages | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Importance of Mortgage Qualification and Pre-Approval

ByAlex Carlucci Posted onJanuary 19, 2024January 22, 2024

This guide covers the importance of mortgage qualification and pre-approval. A pre-approval is when a home buyer or homeowner has…

Continue Reading Importance of Mortgage Qualification and Pre-ApprovalContinue

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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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  • Conventional DTI Calculator
  • Jumbo DTI Calculator
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Resources

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  • FICO Simulator
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  • Documents Required For Mortgage Process
  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
  • Contribute To GCA Mortgage Group
  • 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: 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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