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    • 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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      • Investment Property Loan
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      • Refinance Mortgage Options
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      • Refinance FHA To Conventional Loans
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      • FHA Manual Underwriting
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      • VA Loans For Low Credit Scores
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    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
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      • 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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lender overlays

Home / lender overlays - Page 2
How Lender Overlays Prevent Mortgages
Mortgage Lender Overlays

How Lender Overlays Prevent Mortgages For Homebuyers

ByAlex Carlucci Posted onDecember 29, 2023July 9, 2025

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

Importance of Debt-to-Income Ratio In Mortgages
High Debt To Income Ratio | Videos

The Importance of Debt-To-Income Ratio in Mortgages

ByGustan Cho Posted onDecember 20, 2023July 26, 2024

This guide covers the importance of debt-to-income ratio in mortgages. Borrowers need to keep in mind the importance of debt-to-income…

Continue Reading The Importance of Debt-To-Income Ratio in MortgagesContinue

Debt-to-Income Ratio Limit
Mortgage Lender Overlays | Videos

DTI Overlays Required By Lenders on Home Loans

ByGustan Cho Posted onDecember 4, 2023June 28, 2024

This guide covers the DTI overlays lenders require on government and conventional loans. DTI overlays are imposed on home mortgage…

Continue Reading DTI Overlays Required By Lenders on Home LoansContinue

Mortgage Approval With Bad Credit and Late Payments
Bad Credit Mortgages | Mortgage Lender Overlays | Videos

Mortgage Approval With Bad Credit and Late Payments

ByGustan Cho Posted onDecember 4, 2023July 8, 2025

This guide covers mortgage approval with bad credit and late payments. Many consumers have had a period in their lives….

Continue Reading Mortgage Approval With Bad Credit and Late PaymentsContinue

Choosing A Loan Officer
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Choosing a Loan Officer With No Mortgage Lender Overlays

ByJohn Strange Posted onDecember 1, 2023July 9, 2025

This guide covers choosing a loan officer with no mortgage lender overlays. This guide will discuss watching out for these…

Continue Reading Choosing a Loan Officer With No Mortgage Lender OverlaysContinue

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

VA Credit Score Mortgage Guidelines
VA Loans | Mortgage Lender Overlays | Videos

VA Credit Score Mortgage Guidelines on VA Home Loans

ByLaurie Cho Posted onJuly 20, 2023May 20, 2024

This guide covers VA credit score mortgage guidelines on VA home loans. VA mortgages are the best home loan program…

Continue Reading VA Credit Score Mortgage Guidelines on VA Home LoansContinue

Lender Overlays
Collection Accounts | Charge Off Accounts | Mortgage Lender Overlays | Videos

Lender Overlays on Collection Accounts

ByGustan Cho Posted onJuly 19, 2023July 25, 2024

This guide covers lender overlays on collection accounts and charge-off accounts. Homebuyers who have been turned down for a mortgage…

Continue Reading Lender Overlays on Collection AccountsContinue

Debt-To-Income Ratio Overlays
High Debt To Income Ratio | FHA Loans | Home Mortgages | Videos

Debt-To-Income Ratio Overlays Versus Agency Guidelines

ByGustan Cho Posted onJuly 2, 2023July 25, 2024

This guide covers debt-to-income ratio overlays versus agency mortgage guidelines. We will be discussing what debt-to-income ratio overlays by independent…

Continue Reading Debt-To-Income Ratio Overlays Versus Agency GuidelinesContinue

Lender Overlays On Government Mortgages
Videos | Mortgage Lender Overlays

What Are Common Lender Overlays on Government Mortgages

ByGustan Cho Posted onJuly 1, 2023July 25, 2024

All mortgage companies need to have their borrower meet the minimum agency mortgage guidelines of HUD, VA, USDA, Fannie Mae, Freddie Mac. However, lenders can have higher lending requirements called lender overlays.

Continue Reading What Are Common Lender Overlays on Government MortgagesContinue

Choosing The Right Lender
Mortgage Lender Overlays | Bad Credit Mortgages | Home Mortgages | Videos

Choosing The Right Lender To Get a Mortgage Loan Approval

ByAlex Carlucci Posted onDecember 10, 2022July 23, 2024

In this blog, we will cover choosing the right lender for a mortgage loan approval. Choosing The Right Lender with…

Continue Reading Choosing The Right Lender To Get a Mortgage Loan ApprovalContinue

Overlays With FHA Loans
FHA Loans | Mortgage Lender Overlays | Videos

Overlays With FHA Loans By Mortgage Lenders

ByGustan Cho Posted onDecember 9, 2022September 23, 2024

This blog will cover overlays with FHA loans compared to HUD agency guidelines. FHA loans are the most popular home…

Continue Reading Overlays With FHA Loans By Mortgage LendersContinue

Conventional Loans With No Lender Overlays Illinois
Conventional Loans

Conventional Loans With No Lender Overlays Illinois

ByGustan Cho Posted onApril 3, 2022April 7, 2025

In this blog, we will discuss and cover qualifying for conventional loans with no lender overlays in Illinois. Gustan Cho…

Continue Reading Conventional Loans With No Lender Overlays IllinoisContinue

Virginia VA Loan Requirements
VA Loans

Virginia VA Loan Requirements On Home Purchase And Refinance

ByMike Gracz Posted onJanuary 10, 2022October 8, 2024

Virginia VA Loan Requirements has the most lenient mortgage guidelines versus any other loan program in the nation. VA loans…

Continue Reading Virginia VA Loan Requirements On Home Purchase And RefinanceContinue

My Experience With The Gustan Cho Team
Mortgage Lender Overlays

My Experience with The Gustan Cho Team at Gustan Cho Associates

ByAlex Carlucci Posted onDecember 15, 2021October 8, 2024

This article is about a borrower’s testimonial on My Experience with The Gustan Cho Team at Gustan Cho Associates. We…

Continue Reading My Experience with The Gustan Cho Team at Gustan Cho AssociatesContinue

Recommended Lender By Realtors Due To Its No Lender Overlays Policy
Videos | Mortgage Lender Overlays

Recommended Lender By Realtors Due To Its No Lender Overlays Policy

ByMike Gracz Posted onNovember 5, 2021July 22, 2024

This Article Is About Recommended Lender By Realtors Due To Its No Lender Overlays Policy  In this article, we will…

Continue Reading Recommended Lender By Realtors Due To Its No Lender Overlays PolicyContinue

Banks Versus Mortgage Companies
Home Mortgages

Qualifying At Banks Versus Mortgage Companies For Mortgage

ByGustan Cho Posted onSeptember 16, 2021March 18, 2024

This Article Is About Qualifying At Banks Versus Mortgage Companies For Mortgage When a home buyer thinks of getting pre-qualified…

Continue Reading Qualifying At Banks Versus Mortgage Companies For MortgageContinue

VA Loans Alabama
Mortgage Lender Overlays | VA Loans

VA Loans Alabama Mortgage Guidelines With No Lender Overlays

ByMike Gracz Posted onAugust 24, 2021October 8, 2024

This ARTICLE Is About VA Loans Alabama Mortgage Guidelines With No Lender Overlays Alabama is on the map. The state…

Continue Reading VA Loans Alabama Mortgage Guidelines With No Lender OverlaysContinue

FHA Investor Overlays
Mortgage Lender Overlays

FHA Investor Overlays Versus HUD Agency Mortgage Guidelines

ByGustan Cho Posted onJuly 27, 2021October 8, 2024

This Article Is About FHA Investor Overlays Versus HUD Agency Mortgage Guidelines: It is very important to understand the difference…

Continue Reading FHA Investor Overlays Versus HUD Agency Mortgage GuidelinesContinue

Lenders Increasing Credit Score Requirements Due To COVID-19
Headline News Archives

Lenders Increasing Credit Score Requirements Due To COVID-19

ByGustan Cho Posted onAugust 31, 2020October 9, 2024

This article covers Lenders Increasing Credit Score Requirements Due To COVID-19 Most borrowers have noticed that Lenders Increasing Credit Score…

Continue Reading Lenders Increasing Credit Score Requirements Due To COVID-19Continue

Buying Your First Home Alabama
Bad Credit Mortgages

Buying Your First Home Alabama With A Lender With No Overlays

ByMike Gracz Posted onJuly 25, 2019July 8, 2025

This article is about Buying Your First Home Alabama With A Lender With No Overlays Buying your first home in…

Continue Reading Buying Your First Home Alabama With A Lender With No OverlaysContinue

Why Do Lenders Have Different Requirement On Credit Scores
Home Mortgages

Why Do Lenders Have Different Requirement On Credit Scores

ByGustan Cho Posted onJuly 5, 2019March 4, 2024

This blog on Why Do Lenders Have Different Requirement On Credit Scores Was PUBLISHED On July 5th, 2019 Why Do Lenders…

Continue Reading Why Do Lenders Have Different Requirement On Credit 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

  • 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

DTI Calculators

  • FHA DTI Calculator
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  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limit Change – See If You Qualify

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  • 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: 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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