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Gustan Cho Associates
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    • 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
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      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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      • Investment Property Loan
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      • Chapter 13 Bankruptcy Cash-Out-Buyout
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      • 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
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Call or Text: (800) 900-8569

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Home / home mortgage - Page 3
Mortgage Loan Programs With No Overlays and 30 Day Closings
Home Mortgages | Mortgage Lender Overlays | NON-QM Loans | Videos

Mortgage Loan Programs With No Overlays and 30-Day Closing

ByAlex Carlucci Posted onJanuary 10, 2024May 12, 2025

In this blog, we will cover and discuss mortgage loan programs with no overlays and closing in 30 days. The…

Continue Reading Mortgage Loan Programs With No Overlays and 30-Day ClosingContinue

What are the mortgage deposit guidelines for buying and refinancing
Videos | Home Mortgages | Home Purchase | Mortgage Refinance

Mortgage Escrows Guidelines on Purchase and Refinance

ByGustan Cho Posted onDecember 29, 2023July 26, 2024

This article covers mortgage escrows guidelines on purchase and refinance home loans. Homeowners are not just responsible for their principal…

Continue Reading Mortgage Escrows Guidelines on Purchase and RefinanceContinue

First Payment After Closing For Mortgage Loan Borrowers
Home Mortgages | Mortgage Insurance | Mortgage Rates | Videos

First Payment After Closing For Mortgage Loan Borrowers

ByGustan Cho Posted onDecember 6, 2023March 19, 2024

This guide covers the first payment after closing for mortgage loan borrowers. One of the most common questions new homebuyers…

Continue Reading First Payment After Closing For Mortgage Loan BorrowersContinue

Recovery of Housing Market
Home Mortgages | Real Estate Topic | Videos

Recovery of Housing Market and Mortgage Guidelines

ByGustan Cho Posted onDecember 3, 2023July 26, 2024

This guide covers the recovery of housing market and updates new mortgage guidelines and loan programs. Many of us remember…

Continue Reading Recovery of Housing Market and Mortgage GuidelinesContinue

How To Review Credit Report
Home Mortgages | Videos

How To Review Credit Report During The Mortgage Process

ByGustan Cho Posted onOctober 25, 2023February 6, 2024

This guide covers how to review credit report during the mortgage process.  We will be discussing how to review credit…

Continue Reading How To Review Credit Report During The Mortgage ProcessContinue

Changes in Mortgage Guidelines
Headline News Archives

Changes In Mortgage Guidelines and Housing Market

ByAlex Carlucci Posted onOctober 24, 2023July 26, 2024

This guide covers changes in mortgage guidelines for the government and conforming loans. HUD, the parent of FHA, has made…

Continue Reading Changes In Mortgage Guidelines and Housing MarketContinue

Home Title Insurance Policy
Home Mortgages | Regulations | Videos

Home Title Insurance Policy Guidelines By Lenders

ByAlex Carlucci Posted onOctober 17, 2023May 6, 2024

This guide covers home title insurance policy guidelines by lenders. A home title insurance policy is a contract of indemnity…

Continue Reading Home Title Insurance Policy Guidelines By LendersContinue

FICO and VantageScore
Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Difference Between FICO and VantageScore Credit Scores

ByAnngelli Abenes Posted onOctober 14, 2023December 18, 2023

This guide covers the differences between FICO and VantageScore Credit Scores. We will explain the differences between FICO and VantageScore…

Continue Reading Difference Between FICO and VantageScore Credit ScoresContinue

Understanding Mortgage Forbearance
Mortgage After Bankruptcy and Foreclosure

Understanding Mortgage Forbearance

ByAlex Carlucci Posted onOctober 6, 2023January 26, 2024

This guide covers understanding mortgage forbearance for homeowners who cannot pay their monthly housing payments. Phase three of the coronavirus…

Continue Reading Understanding Mortgage ForbearanceContinue

Bi-Weekly Mortgage Payment
Home Mortgages | Videos

Benefits of Making Bi-Weekly Mortgage Payments

ByGustan Cho Posted onJuly 20, 2023June 11, 2024

This guide covers the benefits of making bi-weekly mortgage payments. The benefit of bi-weekly mortgage payments is that homeowners can…

Continue Reading Benefits of Making Bi-Weekly Mortgage PaymentsContinue

Inflation
Home Mortgages | Home Purchase | Income And Employment | Mortgage Rates | Real Estate Topic | Videos

How Inflation Affect The Mortgage and Housing Markets

ByAlex Carlucci Posted onJuly 3, 2023July 25, 2024

This guide covers how inflation affects the housing and mortgage markets. Whenever you turn on the news, you hear “inflation.”…

Continue Reading How Inflation Affect The Mortgage and Housing MarketsContinue

Real Estate Referral Agent
Career Opportunities/Loan Officer Training | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Real Estate Referral Agent For Homebuyers

ByMargarett Jurilla Posted onJune 6, 2023November 4, 2024

This guide will cover the preferred real estate referral agent network at Gustan Cho Associates. Are you investigating buying or…

Continue Reading Real Estate Referral Agent For HomebuyersContinue

How Much House Can I Afford To Buy Versus Qualify
Bad Credit Mortgages | Home Mortgages | Home Purchase | Videos

How Much House Can I Afford To Buy Versus Qualify

ByGustan Cho Posted onApril 6, 2023July 24, 2024

  In this guide, we will cover how much house can I afford versus qualify. First-time and seasoned home buyers…

Continue Reading How Much House Can I Afford To Buy Versus QualifyContinue

Mortgage Due-on-Sale Clause
Home Mortgages | Real Estate Topic | Reverse Mortgages

Mortgage Due-on-Sale Clause When You Inherit a House With a Lien

ByMike Gracz Posted onOctober 24, 2022July 23, 2024

In this blog, we will cover the mortgage due-on-sale clause when you inherit a house with a lien. If you…

Continue Reading Mortgage Due-on-Sale Clause When You Inherit a House With a LienContinue

Underwriters Conditions
Home Mortgages | Videos

Conditional Mortgage Approval Versus Pre-Approval

ByAlex Carlucci Posted onSeptember 2, 2022October 8, 2024

In this blog, we will be covering the difference between conditional mortgage approval versus pre-approval during the mortgage process. There…

Continue Reading Conditional Mortgage Approval Versus Pre-ApprovalContinue

Lenders Changing Mortgage Guidelines
Headline News Archives

Lenders Changing Mortgage Guidelines Post COVID-19

ByMike Gracz Posted onAugust 1, 2022July 23, 2024

In this article, we will discuss and cover lenders changing mortgage guidelines post COVID-19 ERA due to skyrocketing rates, market…

Continue Reading Lenders Changing Mortgage Guidelines Post COVID-19Continue

Online Mortgage Shopping
Home Mortgages

Online Mortgage Shopping Changed Mortgage Lending

ByGustan Cho Posted onApril 9, 2022October 9, 2024

In this blog, we will cover and discuss how online mortgage shopping changed mortgage lending. The Greatest Benefits Of Online…

Continue Reading Online Mortgage Shopping Changed Mortgage LendingContinue

How To Avoid Customer Complaints
Home Mortgages

How To Avoid Customer Complaints By Mortgage Borrowers

ByAlex Carlucci Posted onApril 1, 2022October 8, 2024

In this blog, we will cover and discuss how to avoid customer complaints by mortgage borrowers. Mortgage customer complaints have…

Continue Reading How To Avoid Customer Complaints By Mortgage BorrowersContinue

Roles Of Fannie Mae And Freddie Mac
Home Mortgages

Roles Of Fannie Mae And Freddie Mac In The Mortgage Industry

ByGustan Cho Posted onMarch 16, 2022July 22, 2024

In this blog, we will cover and discuss the roles of Fannie Mae and Freddie Mac in the housing and…

Continue Reading Roles Of Fannie Mae And Freddie Mac In The Mortgage IndustryContinue

Closing Home Loan In 21 Days
Clear To Close

Closing Home Loan In 21 Days Or Less On Purchase and Refinance

ByDale Elenteny Posted onMarch 1, 2022October 8, 2024

In this blog, we will discuss and cover how The team at Gustan Cho Associates has a mortgage program in…

Continue Reading Closing Home Loan In 21 Days Or Less On Purchase and RefinanceContinue

The Tax Benefits of Investing in Real Estate
Home Mortgages

The Tax Benefits of Investing in Real Estate Properties

ByAlex Carlucci Posted onApril 11, 2021October 8, 2024

This ARTICLE Is About The Tax Benefits of Investing in Real Estate Properties The Tax Benefits of Investing in Real…

Continue Reading The Tax Benefits of Investing in Real Estate PropertiesContinue

Questions You Should Ask Your Mortgage Lender
Home Mortgages

Questions You Should Ask Your Mortgage Lender On Loan Process

ByGustan Cho Posted onMarch 3, 2021February 10, 2025

This Article Is About The Questions You Should Ask Your Mortgage Lender On Loan Process Choosing the right mortgage lender…

Continue Reading Questions You Should Ask Your Mortgage Lender On Loan ProcessContinue

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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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  • DTI Mortgage Calculator
  • 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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