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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
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
      • 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
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    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
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Call or Text: (800) 900-8569

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Gustancho Associates

mortgage process

Home / mortgage process - Page 2
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, 2024May 20, 2025

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, 2024May 20, 2025

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, 2024May 20, 2025

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, 2024May 20, 2025

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

Mortgage Process Can Be Stressful
Mortgage Processing And Underwriting

Mortgage Process Can Be Stressful If Not Properly Qualified

ByAnngelli Abenes Posted onJuly 3, 2024June 5, 2025

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, 2024June 5, 2025

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 11, 2025

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

Qualifying Borrowers For Mortgage
Conditional Loan Approval | Home Mortgages | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Qualifying Borrowers For Mortgage on Purchase and Refinance

ByAnngelli Abenes Posted onMay 31, 2024June 11, 2025

This guide covers the process of qualifying borrowers for mortgage on home purchases and refinances. From the application stage to…

Continue Reading Qualifying Borrowers For Mortgage on Purchase and RefinanceContinue

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

Credit in Mortgage Process: Credit Scores vs Credit Report

ByGustan Cho Posted onMay 29, 2024June 11, 2025

This guide covers credit in mortgage process. We will cover the difference between credit scores vs credit reports. Credit in…

Continue Reading Credit in Mortgage Process: Credit Scores vs Credit ReportContinue

Shopping For Insurance
Home Mortgages | Homeowners Insurance | Videos

Shopping For Insurance With Best Premium and Terms

ByMargarett Jurilla Posted onMay 29, 2024June 11, 2025

This guide covers shopping for insurance for the best premium and terms during the mortgage process. Shopping for insurance is…

Continue Reading Shopping For Insurance With Best Premium and TermsContinue

How Does Mortgage Process Work
Mortgage Processing And Underwriting | Videos

How Does Mortgage Process Work After Being Pre-Approved

ByGustan Cho Posted onMay 28, 2024June 12, 2025

This guide covers how does mortgage process work after being pre-approved. Most folks consult with a loan officer when they…

Continue Reading How Does Mortgage Process Work After Being Pre-ApprovedContinue

Avoiding Stress During Mortgage Process
Home Purchase | Videos

Avoiding Stress During Mortgage Process And Close On Time

ByAnngelli Abenes Posted onMay 22, 2024June 12, 2025

This Article Is About Ways Of Avoiding Stress During Mortgage Process And Close On Time There is no reason why…

Continue Reading Avoiding Stress During Mortgage Process And Close On TimeContinue

Role Of Mortgage Processor
Mortgage Processing And Underwriting | video

Role Of Mortgage Processor During The Mortgage Process

ByAnngelli Abenes Posted onMay 21, 2024June 12, 2025

In this article, we will cover and discuss the role of mortgage processor during the mortgage process. The mortgage processor…

Continue Reading Role Of Mortgage Processor During The Mortgage ProcessContinue

How Loan Officers Qualify Borrowers
Mortgage Lender Overlays | Videos

How Loan Officers Qualify Borrowers And Issue Pre-Approvals

ByAlex Carlucci Posted onMay 21, 2024June 12, 2025

This Article Is About How Loan Officers Qualify Borrowers And Issue Pre-Approvals. Understanding how loan officers qualify borrowers is crucial in the…

Continue Reading How Loan Officers Qualify Borrowers And Issue Pre-ApprovalsContinue

Home Buying Stress
Bad Credit Mortgages | Home Mortgages | video

Home Buying Stress During Mortgage Underwriting Process

ByAnngelli Abenes Posted onMay 20, 2024June 12, 2025

This article is about Why Mortgage Process Is Biggest Home Buying Stress The process of buying a home can be…

Continue Reading Home Buying Stress During Mortgage Underwriting ProcessContinue

Prenuptial Agreements
Home Mortgages | Home Purchase

How Does Prenuptial Agreements Affect Mortgages

ByAnngelli Abenes Posted onMay 17, 2024June 13, 2025

This guide covers how prenuptial agreements affect mortgage loans. You may have heard of prenuptial agreements if you plan to…

Continue Reading How Does Prenuptial Agreements Affect MortgagesContinue

Why Do Mortgage Lenders Ask For Reserves
Mortgage Processing And Underwriting | Manual Underwriting | Muti-Family Investment | Videos

Why Do Mortgage Lenders Ask For Reserves From Borrowers

ByAnngelli Abenes Posted onMay 13, 2024June 13, 2025

When And Why Do Mortgage Lenders Ask For Reserves? On VA and FHA manual underwriting, one month’s reserves are required. Multi-family units require reserves by homebuyers.

Continue Reading Why Do Mortgage Lenders Ask For Reserves From BorrowersContinue

Closing On Your New Home
Mortgage Processing And Underwriting | Clear To Close | Conditional Loan Approval

Closing on Your New Home In 21 Days From Application To CTC

ByAnngelli Abenes Posted onMay 9, 2024June 16, 2025

This blog will cover closing on your new home in 21 days from application to CTC.  Closing on your new…

Continue Reading Closing on Your New Home In 21 Days From Application To CTCContinue

Verified Assets For Home Loan
Clear To Close | Home Purchase | video

How Mortgage Underwriters Consider Verified Assets For Home Loan

ByAnngelli Abenes Posted onMay 8, 2024June 16, 2025

When applying for a mortgage loan, homebuyers must present verified assets for home loan to the lender. Verified assets include…

Continue Reading How Mortgage Underwriters Consider Verified Assets For Home LoanContinue

Qualifying Credit Score For Mortgage
Home Mortgages | Credit Scores | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Qualifying Credit Score For Mortgage Used By Lenders

ByAnngelli Abenes Posted onMay 8, 2024June 16, 2025

In this blog, we’ll explain the qualifying credit score that lenders use for mortgages. Mortgage underwriters determine this score by…

Continue Reading Qualifying Credit Score For Mortgage Used By LendersContinue

How Underwriters View Unsourced Funds In Mortgage Process
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How Underwriters View Unsourced Funds In Mortgage Process

ByAnngelli Abenes Posted onMay 2, 2024April 24, 2025

This guide covers how underwriters view unsourced funds while analyzing and reviewing a borrower. Unsourced funds have no paper trail,…

Continue Reading How Underwriters View Unsourced Funds In Mortgage ProcessContinue

Home Inspection
Home Purchase | Mortgage Processing And Underwriting | Videos

Home Inspection Before Starting The Mortgage Process

ByAnngelli Abenes Posted onApril 30, 2024June 16, 2025

This guide covers home inspection before proceeding with the mortgage process. A home inspection is an inspection of a home…

Continue Reading Home Inspection Before Starting The Mortgage 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

  • 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
  • Non-QM Loans For Real Estate Investors
    Non-QM Loans for Real Estate Investors Made EasyJuly 10, 2025

DTI Calculators

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Resources

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  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
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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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