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Gustan Cho Associates
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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
      • 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
    • RefinanceExpand
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      • Conventional Loans W-2 Income ONLY Mortgages
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    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
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    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
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  • CareersExpand
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

mortgage process

Home / mortgage process
Mortgage with Negative Credit History
Mortgage Processing And Underwriting

Mortgage With Negative Credit History: Guide to Get Approved

ByGustan Cho Posted onSeptember 8, 2025September 11, 2025

Buying a home is one of life’s biggest dreams. But if you have a mortgage with negative credit history—late payments,…

Continue Reading Mortgage With Negative Credit History: Guide to Get ApprovedContinue

Credit During the Mortgage Process
Re-Establishing Credit | Bad Credit Mortgages | Credit Disputes | Credit Scores | Videos

Credit During the Mortgage Process Made Simple

ByGustan Cho Posted onAugust 29, 2025September 4, 2025

Credit During the Mortgage Process: What Every Homebuyer Needs to Know When looking for a mortgage, your credit plays a…

Continue Reading Credit During the Mortgage Process Made SimpleContinue

What Lenders Look for in Bank Statements
Videos | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved

What Lenders Look for in Bank Statements Before Saying Yes

ByGustan Cho Posted onAugust 27, 2025September 2, 2025

What Lenders Look for in Bank Statements: 2025 Guide for Mortgage Approval Getting a mortgage can be stressful, especially when…

Continue Reading What Lenders Look for in Bank Statements Before Saying YesContinue

Closing a Mortgage on Time
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Closing a Mortgage on Time: Stress-Free Closing Made Easy

ByAlex Carlucci Posted onAugust 26, 2025August 27, 2025

Closing a Mortgage on Time: Simple Steps for a Stress-Free Experience Buying a home is exciting, but nothing is more…

Continue Reading Closing a Mortgage on Time: Stress-Free Closing Made EasyContinue

Role of a Mortgage Loan Coordinator
Mortgage Processing And Underwriting

Role of a Mortgage Loan Coordinator in the Mortgage Process

ByGustan Cho Posted onAugust 25, 2025September 2, 2025

Role of a Mortgage Loan Coordinator: Why They Matter in 2025 When you apply for a mortgage, you’ll notice very…

Continue Reading Role of a Mortgage Loan Coordinator in the Mortgage ProcessContinue

Mortgage Timeline on Manual Underwriting
Mortgage Processing And Underwriting | Manual Underwriting | Verification Of Rent | Videos

Beat Stress: Mortgage Timeline on Manual Underwriting

ByDale Elenteny Posted onAugust 22, 2025September 2, 2025

Mortgage Timeline on Manual Underwriting: What Borrowers Need to Know in 2025 When you apply for a home loan, you…

Continue Reading Beat Stress: Mortgage Timeline on Manual UnderwritingContinue

Difference Between Mortgage Lender versus Servicer
Mortgage Processing And Underwriting

Difference Between Mortgage Lender versus Servicer

ByGustan Cho Posted onAugust 18, 2025August 20, 2025

This guide covers the difference between mortgage lender versus servicer. What are the major difference between mortgage lender versus servicer?…

Continue Reading Difference Between Mortgage Lender versus ServicerContinue

How To Prepare For Mortgage
Home Mortgages

How To Prepare For Mortgage For First-Time Homebuyers

ByAlex Carlucci Posted onAugust 15, 2025August 18, 2025

This guide covers how to prepare for mortgage for first-time homebuyers. The best way on how to prepare for mortgage…

Continue Reading How To Prepare For Mortgage For First-Time HomebuyersContinue

One Day Mortgage Loan Approval
Mortgage Processing And Underwriting

One Day Mortgage Loan Approval Process For Homebuyers

ByGustan Cho Posted onAugust 7, 2025September 2, 2025

One Day Mortgage Loan Approval: Get Approved Fast with Gustan Cho Associates Buying a home can be stressful, especially when…

Continue Reading One Day Mortgage Loan Approval Process For HomebuyersContinue

Mistakes Sellers Make Choosing a Realtor
Videos | Mortgage Processing And Underwriting

Borrowers Cost Out of Pocket in The Mortgage Process

ByGustan Cho Posted onJuly 22, 2025July 23, 2025

This guide covers borrowers cost out of pocket in the mortgage process. There are two types of costs involved when…

Continue Reading Borrowers Cost Out of Pocket in The Mortgage ProcessContinue

Steps of the Home Mortgage Process
Clear To Close | Mortgage Processing And Underwriting | Videos

Steps of the Home Mortgage Process

ByGustan Cho Posted onJuly 22, 2025July 23, 2025

Steps of the Home Mortgage Process: A Simple Guide to Get Approved Fast Are you thinking about buying a home…

Continue Reading Steps of the Home Mortgage ProcessContinue

How Loan Officers Prepare Borrowers
Home Mortgages

How Loan Officers Prepare Borrowers For Underwriters

ByAlex Carlucci Posted onJuly 21, 2025July 22, 2025

This guide covers how loan officers prepare borrowers for mortgage underwriters. How loan officers prepare borrowers for mortgage underwriters depends…

Continue Reading How Loan Officers Prepare Borrowers For UnderwritersContinue

Mortgage Denial From Bank
Mortgage Processing And Underwriting

What To Do If Borrowers Get Mortgage Denial From Bank

ByGustan Cho Posted onJuly 17, 2025July 17, 2025

In this guide, we will cover what to do if borrowers get mortgage denial from bank. First and foremost, find…

Continue Reading What To Do If Borrowers Get Mortgage Denial From BankContinue

Mortgage Payment Structure
Mortgage Processing And Underwriting

How Does A Mortgage Payment Structure Work On Home Loans

ByAlex Carlucci Posted onJuly 8, 2025July 11, 2025

Mortgage Payment Structure Explained: What Every Homebuyer Needs to Know Are you considering buying a home but unsure what a…

Continue Reading How Does A Mortgage Payment Structure Work On Home LoansContinue

Factors Influencing Credit Scores
Mortgage Processing And Underwriting

Factors Influencing Credit Scores When Applying For Mortgage

ByGustan Cho Posted onJuly 7, 2025July 8, 2025

This guide covers factors influencing credit scores when applying for a mortgage. There are five Factors Influencing credit scores. The…

Continue Reading Factors Influencing Credit Scores When Applying For MortgageContinue

Importance of Credit Reports
Home Mortgages

Importance of Credit Reports in the Mortgage Process

ByGustan Cho Posted onJuly 4, 2025July 7, 2025

This guide covers the importance of credit reports in the mortgage application process. Our society is credit-driven. Almost every aspect…

Continue Reading Importance of Credit Reports in the Mortgage ProcessContinue

FHA Debt-To-Income Ratio Requirements
High Debt To Income Ratio | FHA Loans | Mortgage Lender Overlays | Videos

FHA Debt-To-Income Ratio Requirements

ByGustan Cho Posted onJune 30, 2025July 1, 2025

FHA Debt-To-Income Ratio Requirements: What You Need to Know If you’re applying for an FHA loan, one of the most…

Continue Reading FHA Debt-To-Income Ratio RequirementsContinue

The Role Of The Loan Officer Assistant
Mortgage Processing And Underwriting | Videos

The Role Of The Loan Officer Assistant In Mortgage Process

ByAlex Carlucci Posted onJune 30, 2025June 30, 2025

The Role of the Loan Officer Assistant: How They Help You Get a Mortgage Buying a home or refinancing can…

Continue Reading The Role Of The Loan Officer Assistant In Mortgage ProcessContinue

How Holidays Affects The Mortgage Process
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Regulations | Videos

How Holidays Affect The Mortgage Process and Closings

ByMargarett Jurilla Posted onJune 30, 2025July 1, 2025

How Holidays Affect the Mortgage Process: What Every Homebuyer Should Know Buying a home is one of the most significant…

Continue Reading How Holidays Affect The Mortgage Process and ClosingsContinue

Closing Mortgage Under LLC
Real Estate Topic

Smart Investors are Closing Mortgage Under LLC—Here’s Why

ByDale Elenteny Posted onJune 26, 2025June 27, 2025

Closing Mortgage Under LLC: How Real Estate Investors Can Use an LLC to Get a Mortgage Are you a real…

Continue Reading Smart Investors are Closing Mortgage Under LLC—Here’s WhyContinue

Overdrafts in Bank Statements
Mortgage Processing And Underwriting | Videos

How Underwriters View Overdrafts in Bank Statements

ByGustan Cho Posted onJune 23, 2025June 23, 2025

Most mortgage lenders really don’t like seeing overdrafts in bank statements. If they spot an overdraft, it can make them…

Continue Reading How Underwriters View Overdrafts in Bank StatementsContinue

Steps in the Underwriting Process
Mortgage Processing And Underwriting | Videos

Steps In The Underwriting Process By Mortgage Lenders

ByGustan Cho Posted onApril 3, 2025April 4, 2025

Steps in the Underwriting Process: What Borrowers Need to Know in 2025 If you’re buying a home or refinancing your…

Continue Reading Steps In The Underwriting Process By Mortgage LendersContinue

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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

  • Washington DC Lenders
    Washington DC Lenders For Traditional and Non-QM MortgagesSeptember 12, 2025
  • How to Find the Best Realtor
    How To Find The Best Realtor For First-Time HomebuyersSeptember 12, 2025
  • Mortgage Escrow Account
    What is a Mortgage Escrow Account for Purchase and RefinanceSeptember 11, 2025
  • Colorado VA Lenders
    Colorado VA Lenders For Bad Credit With No Lender OverlaysSeptember 10, 2025

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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 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 Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loan with Judgment
    • USDA Loans
    • DACA Mortgage Loans
    • Conventional Loans
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Bad Credit Scores
    • 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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