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Gustan Cho Associates
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    • Contact Us
    • Get Pre-Approved
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    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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      • FHA Manual Underwriting
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      • FHA Loan With Judgment
    • VA Home LoansExpand
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      • 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
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      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
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      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
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      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
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    • FHA 203K Loans
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Call or Text: (800) 900-8569

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mortgage process

Home / mortgage process
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

What Do Mortgage Underwriters Look For
Mortgage Processing And Underwriting

What Do Mortgage Underwriters Look For During Review

ByGustan Cho Posted onMarch 28, 2025April 1, 2025

Buying a house can be exciting, but feeling a bit nervous about the mortgage process is normal. One big question…

Continue Reading What Do Mortgage Underwriters Look For During ReviewContinue

Irregular Deposits
Mortgage Processing And Underwriting

Irregular Deposits Could Ruin Your Mortgage—Learn to Fix It

ByDale Elenteny Posted onMarch 24, 2025March 25, 2025

Buying a home is exciting. But when you’re applying for a mortgage, your bank statements can suddenly become a big…

Continue Reading Irregular Deposits Could Ruin Your Mortgage—Learn to Fix ItContinue

Mortgage Process After the Conditional Approval
Clear To Close | Conditional Loan Approval | Mortgage Processing And Underwriting | Videos

Mortgage Process After The Conditional Approval

ByGustan Cho Posted onFebruary 24, 2025February 25, 2025

The Mortgage Process After the Conditional Approval: What Happens Next? The mortgage process after the conditional approval is one of…

Continue Reading Mortgage Process After The Conditional ApprovalContinue

Credit Score Changes During Underwriting Process
Mortgage Processing And Underwriting | Credit Scores | Mortgage Rates | Videos

Credit Score Changes During Underwriting Process

ByGustan Cho Posted onJanuary 24, 2025January 28, 2025

Your mortgage lender checks your credit when you apply for a home loan. Your credit score determines your mortgage rate and also if you qualify for a loan.

Continue Reading Credit Score Changes During Underwriting ProcessContinue

Mortgage Process Timeline
Mortgage Processing And Underwriting | Videos

Mortgage Process Timeline From Application To Closing

ByGustan Cho Posted onJanuary 14, 2025January 14, 2025

Understanding the Mortgage Process Timeline: Your Step-by-Step Guide to Getting a Mortgage in 2025 Buying or refinancing your mortgage can…

Continue Reading Mortgage Process Timeline From Application To ClosingContinue

Avoiding Delays in Getting a Conditional Mortgage Approval
Mortgage Processing And Underwriting | Conditional Loan Approval | Videos

Avoiding Delays In Getting A Conditional Mortgage Approval

ByGustan Cho Posted onDecember 16, 2024December 18, 2024

Avoiding Delays in Getting Conditional Mortgage Approval: A Step-by-Step Guide Getting a mortgage is a big milestone, but it can…

Continue Reading Avoiding Delays In Getting A Conditional Mortgage ApprovalContinue

Mortgage Closing Process
Mortgage Processing And Underwriting | Clear To Close

Mortgage Closing Process In Illinois On Home Purchases

ByAlex Carlucci Posted onDecember 16, 2024December 18, 2024

The Complete Guide to the Mortgage Closing Process in Illinois: Everything You Need to Know Buying a home is one…

Continue Reading Mortgage Closing Process In Illinois On Home PurchasesContinue

Changes in Credit Report During Mortgage Process
Credit Disputes | Credit Scores | Mortgage Processing And Underwriting | Videos

Changes In Credit Report During Mortgage Process

ByGustan Cho Posted onDecember 16, 2024December 20, 2024

This guide covers changes in credit report during mortgage process. Credit scores and debt-to-income ratios determine whether borrowers qualify for…

Continue Reading Changes In Credit Report During Mortgage ProcessContinue

Mortgage Approval Can Be Revoked
Mortgage Processing And Underwriting | Conditional Loan Approval | Mortgage Denial | Videos

Mortgage Approval Can Be Revoked During Mortgage Process

ByGustan Cho Posted onDecember 5, 2024December 9, 2024

Mortgage Approval Can Be Revoked: What Every Borrower Needs to Know in 2024 Getting your mortgage approval feels like crossing…

Continue Reading Mortgage Approval Can Be Revoked During Mortgage ProcessContinue

15 Day Mortgage Process
Mortgage Processing And Underwriting

15 Day Mortgage Process From Application to Closing

ByMike Gracz Posted onDecember 4, 2024December 6, 2024

How fast can you close a mortgage? Americans love instant gratification! Gustan Cho Associates has a fast-track, 15-day mortgage process.

Continue Reading 15 Day Mortgage Process From Application to ClosingContinue

Why Do Lenders Request Bank Statements
Letter Of Explanation | Mortgage Processing And Underwriting | Videos

Why Do Lenders Request Bank Statements During Underwriting

ByGustan Cho Posted onDecember 4, 2024December 5, 2024

Why Do Lenders Request Bank Statements? A 2024 Guide for Borrowers If you plan to buy a home or refinance…

Continue Reading Why Do Lenders Request Bank Statements During UnderwritingContinue

How Underwriters Calculate Debt-To-Income Ratio
High Debt To Income Ratio | Income And Employment | No-Ratio Mortgage Loans | NON-QM Loans | Videos

How Underwriters Calculate Debt-To-Income Ratio

ByGustan Cho Posted onNovember 6, 2024November 7, 2024

How Underwriters Calculate Debt-to-Income Ratio (DTI) – 2024 Guide When it comes to buying a home, there are a few…

Continue Reading How Underwriters Calculate Debt-To-Income RatioContinue

Clear to Close in 2 Weeks or Less
Clear To Close | Mortgage Processing And Underwriting | Videos

Clear To Close In 2 Weeks or Less Mortgage Process

ByGustan Cho Posted onNovember 4, 2024November 5, 2024

Clear to Close in 2 Weeks or Less: Here’s How to Fast-Track Your Mortgage Approval At Gustan Cho Associates, we…

Continue Reading Clear To Close In 2 Weeks or Less Mortgage ProcessContinue

Home Loan Closings
Clear To Close | Mortgage Processing And Underwriting | Videos

Ways to Avoid Stress and Delays in Home Loan Closings

ByGustan Cho Posted onOctober 21, 2024November 5, 2024

How to Avoid Stress and Delays in Home Loan Closings (Updated for 2024) Buying a home is one of the…

Continue Reading Ways to Avoid Stress and Delays in Home Loan ClosingsContinue

Credit Repair During Mortgage Underwriting
Mortgage Processing And Underwriting | Resources | Videos

Credit Repair During Mortgage Underwriting Can Halt Loan Process

ByGustan Cho Posted onOctober 15, 2024October 16, 2024

This guide covers how credit repair during mortgage underwriting can halt loan process . Mortgage borrowers should know the impact…

Continue Reading Credit Repair During Mortgage Underwriting Can Halt Loan ProcessContinue

Changing Realtors
Real Estate Topic | Real Estate

Changing Realtors During Home Buying And Mortgage Process

ByAlex Carlucci Posted onOctober 1, 2024October 7, 2024

Changing Realtors During the Home Buying and Mortgage Process in 2024 The home buying and mortgage process can be exciting…

Continue Reading Changing Realtors During Home Buying And Mortgage ProcessContinue

Changing Lenders After Locking Rates
Bad Credit Mortgages | Home Mortgages | Mortgage Rates | Videos

Changing Lenders After Locking Rates During Mortgage Process

ByAnngelli Abenes Posted onSeptember 27, 2024October 7, 2024

Changing Lenders After Locking Rates: What You Need to Know in 2024 Locking in a mortgage rate is a critical…

Continue Reading Changing Lenders After Locking Rates During Mortgage ProcessContinue

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 onSeptember 24, 2024May 12, 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

Mortgage Process Can Be Stressful
Mortgage Processing And Underwriting

Mortgage Process Can Be Stressful If Not Properly Qualified

ByAnngelli Abenes Posted onJuly 3, 2024August 30, 2024

This Article Is About How The Mortgage Process Can Be Stressful If Borrowers Not Properly Qualified The mortgage process does…

Continue Reading Mortgage Process Can Be Stressful If Not Properly QualifiedContinue

Paying Down Credit Cards During Mortgage Process
High Debt To Income Ratio | Mortgage Processing And Underwriting | Videos

Paying Down Credit Cards During Mortgage Process Due To High DTI

ByGustan Cho Posted onJune 23, 2024August 30, 2024

This guide covers paying down credit cards during mortgage process due to high debt-to-income ratios. Debt-to-income ratios are one of…

Continue Reading Paying Down Credit Cards During Mortgage Process Due To High DTIContinue

First Time Home Buying Process
Bad Credit Mortgages | Clear To Close | Home Purchase | Qualifying & Getting Pre-approved

First Time Home Buying Process Starts With Pre-Approval

ByGustan Cho Posted onJune 3, 2024June 28, 2024

This article discusses the first time home buying process, emphasizing that it starts with pre-approval. The initial step for those…

Continue Reading First Time Home Buying Process Starts With 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

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Resources

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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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