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      • FHA Loan Limits
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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      • Investment Property Loan
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      • FHA Manual Underwriting
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      • FHA Loan With Judgment
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      • VA Manual Underwriting
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      • Conventional Loans W-2 Income ONLY Mortgages
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    • Condotel Financing
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      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
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    • Jumbo Mortgage
    • FHA 203K Loans
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mortgage process

Home / mortgage process - Page 3
Factors Affect Pre-Approval
Mortgage Processing And Underwriting | Videos

Factors Affect Pre-Approval And Stress During Mortgage Process

ByGustan Cho Posted onApril 23, 2024June 23, 2025

This article explores the Factors Affect Pre-Approval And Stress During Mortgage Process. Once individuals decide to purchase a home, the…

Continue Reading Factors Affect Pre-Approval And Stress During Mortgage ProcessContinue

Delays in Mortgage Loan Closings
Mortgage Processing And Underwriting | Clear To Close | Videos

How to Avoid Delays in Mortgage Loan Closings

ByAlex Carlucci Posted onApril 15, 2024June 25, 2025

This guide covers how to avoid delays in mortgage loan closings. When homebuyers enter a real estate purchase contract, the…

Continue Reading How to Avoid Delays in Mortgage Loan ClosingsContinue

Documents Required For Mortgage
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Documents Required For Mortgage Processing and Underwriting

ByDale Elenteny Posted onApril 4, 2024June 27, 2025

This guide covers documents required for mortgage processing and underwriting. All documents required for mortgage processing and underwriting needs to…

Continue Reading Documents Required For Mortgage Processing and UnderwritingContinue

Credit Supplement
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

What is a Credit Supplement For a Mortgage

ByGustan Cho Posted onApril 2, 2024July 2, 2025

This guide covers what a credit supplement in a mortgage is and how it works. There are three major credit…

Continue Reading What is a Credit Supplement For a MortgageContinue

Funds In Bank Statements
Mortgage Processing And Underwriting | Proof of Funds | Videos

Funds In Bank Statements That Cannot Be Used By Lenders

ByGustan Cho Posted onApril 1, 2024July 7, 2025

This guide covers funds in bank statements that mortgage lenders cannot use.  All funds in bank statements that are newer…

Continue Reading Funds In Bank Statements That Cannot Be Used By LendersContinue

Denied By a Bank For Your Mortgage And Options For Borrowers
Videos | Conditional Loan Approval | Mortgage Lender Overlays | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved

Home Loan Approval After Denied By a Bank For Your Mortgage

ByGustan Cho Posted onMarch 23, 2024August 14, 2024

This guide covers getting  a home loan approved after denied by a bank for your mortgage. There should be no…

Continue Reading Home Loan Approval After Denied By a Bank For Your MortgageContinue

Temporary Unemployment Mortgage Guidelines
Income And Employment | Qualifying & Getting Pre-approved | Videos

Temporary Unemployment Mortgage Guidelines

ByGustan Cho Posted onMarch 21, 2024August 14, 2024

This guide coverss temporary unemployment mortgage guidelines on home purchases. The coronavirus pandemic that hit the United States sent millions…

Continue Reading Temporary Unemployment Mortgage GuidelinesContinue

The role of mortgage underwriter
Mortgage Processing And Underwriting | Videos

Role of Mortgage Underwriter During The Mortgage Process

ByGustan Cho Posted onMarch 20, 2024April 7, 2025

In this blog, we will cover the role of mortgage underwriter during the mortgage process. The role of mortgage underwriter…

Continue Reading Role of Mortgage Underwriter During The Mortgage ProcessContinue

How Do Mortgage Underwriters Calculate Income of Borrowers
Mortgage Processing And Underwriting | Income And Employment | NON-QM Loans | Videos

How Do Mortgage Underwriters Calculate Income of Borrowers

ByGustan Cho Posted onMarch 20, 2024October 8, 2024

This guide covers how do mortgage underwriters calculate income of borrowers. Income is the most important aspect of qualifying for…

Continue Reading How Do Mortgage Underwriters Calculate Income of BorrowersContinue

How Do Mortgage Underwriters Qualify Borrowers
Home Mortgages | Automated Underwriting System | Conditional Loan Approval | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How Do Mortgage Underwriters Qualify Borrowers

ByGustan Cho Posted onMarch 11, 2024October 8, 2024

In this blog, we will cover and discuss how do mortgage underwriters qualify borrowers. Credit scores and income is what…

Continue Reading How Do Mortgage Underwriters Qualify BorrowersContinue

Preparing For Home Loan
Qualifying & Getting Pre-approved | Mortgage Processing And Underwriting | Videos

Preparing For Home Loan Before Applying For a Mortgage

BySapna Sharma Posted onMarch 6, 2024August 8, 2024

This blog will cover preparing for home loan before applying for a mortgage for a smooth mortgage approval without stress….

Continue Reading Preparing For Home Loan Before Applying For a MortgageContinue

Qualifying Income
Income And Employment | Videos

What is Considered Qualifying Income For Mortgage Loans

ByGustan Cho Posted onMarch 2, 2024March 2, 2024

This guide covers the types of income that mortgage lenders consider qualifying income can use for mortgage loans. Not all…

Continue Reading What is Considered Qualifying Income For Mortgage LoansContinue

Changing Lenders During Underwriting Process
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Changing Lenders During Underwriting Process

ByGustan Cho Posted onMarch 1, 2024July 3, 2024

This guide covers changing lenders during underwriting process before closing. The mortgage approval process does not have to be stressful…

Continue Reading Changing Lenders During Underwriting ProcessContinue

Loan Officer Document Checklist To Start Mortgage Process
Career Opportunities/Loan Officer Training | Mortgage Processing And Underwriting | Videos

Loan Officer Document Checklist To Start Mortgage Process

ByApril Ramirez Posted onFebruary 28, 2024April 26, 2024

This guide covers the loan officer document checklist. This article on the Loan Officer Document Checklist is a series of…

Continue Reading Loan Officer Document Checklist To Start Mortgage ProcessContinue

How Underwriters Qualify Income
Income And Employment | Mortgage Processing And Underwriting | Videos

How Underwriters Qualify Income To Approve Mortgage Loans

ByGustan Cho Posted onFebruary 27, 2024January 24, 2025

This guide covers how underwriters qualify income to approve mortgage loans. Many mortgage loan applicants do not have the role…

Continue Reading How Underwriters Qualify Income To Approve Mortgage LoansContinue

Using Rapid Rescore
Videos

Using Rapid Rescore in The Mortgage Process

ByGustan Cho Posted onFebruary 27, 2024August 8, 2024

This guide covers using rapid rescore in the mortgage process. What is a rapid rescore? It’s a service accessible only…

Continue Reading Using Rapid Rescore in The Mortgage ProcessContinue

Things That Can Delay Your Mortgage Loan Closing
Videos | Clear To Close | Mortgage Processing And Underwriting

Things That Can Delay Your Mortgage Loan Closing

ByGustan Cho Posted onFebruary 21, 2024June 11, 2024

This guide covers things that can delay your mortgage loan closing. A mortgage loan should be able to close in…

Continue Reading Things That Can Delay Your Mortgage Loan ClosingContinue

Getting Faster Mortgage Approvals
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Getting Faster Mortgage Approvals and Closing on Time

ByGustan Cho Posted onFebruary 16, 2024August 6, 2024

Borrowers should not stress during the mortgage process. . There is no reason why there should be stress during the mortgage process.

Continue Reading Getting Faster Mortgage Approvals and Closing on TimeContinue

Steps in Mortgage Process
Clear To Close | Mortgage Processing And Underwriting | Videos

Steps in Mortgage Process For Closing Home Loan on Time

ByGustan Cho Posted onFebruary 16, 2024August 6, 2024

This guide covers the steps in mortgage process for closing home loan on time. Homebuyers looking to purchase a new…

Continue Reading Steps in Mortgage Process For Closing Home Loan on TimeContinue

Mortgage Underwriter Errors When Underwriting Borrowers
Mortgage Processing And Underwriting | Videos

Mortgage Underwriter Errors

ByGustan Cho Posted onFebruary 15, 2024August 6, 2024

This guide covers mortgage underwriter errors causing borrowers a loan denial. Mortgage underwriter errors do happen. Underwriters are human and…

Continue Reading Mortgage Underwriter ErrorsContinue

Mortgage Denied After Pre-Approval
Mortgage Processing And Underwriting

Mortgage Denied After Pre-Approval By Underwriters

ByMargarett Jurilla Posted onFebruary 13, 2024July 8, 2025

In this blog post, we will explore a tackle problem many borrowers face – Mortgage Denied After Pre-Approval. The landscape…

Continue Reading Mortgage Denied After Pre-Approval By UnderwritersContinue

Underwriters Conditions
Mortgage Processing And Underwriting | Clear To Close | Videos

Clearing Underwriters Conditions To Submit For Clear To Close

ByLaurie Cho Posted onFebruary 6, 2024August 5, 2024

In this guide, we address underwriters conditions to pave the way for a clear-to-close submission. Whether individuals seek approval for…

Continue Reading Clearing Underwriters Conditions To Submit For Clear To CloseContinue

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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

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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
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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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