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    • Loan LimitsExpand
      • FHA 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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      • FHA Loan With Judgment
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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
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    • Jumbo Mortgage
    • FHA 203K Loans
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  • CareersExpand
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Call or Text: (800) 900-8569

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mortgage process

Home / mortgage process - Page 4
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

Non-Traditional Credit in Mortgage
Mortgage Processing And Underwriting | Videos

Non-Traditional Credit In Mortgage Qualification Process

ByGustan Cho Posted onFebruary 6, 2024April 24, 2025

This blog delves into the significance of non-traditional credit in mortgage qualification process, particularly focusing on scenarios where borrowers lack…

Continue Reading Non-Traditional Credit In Mortgage Qualification ProcessContinue

How Credit Disputes Affect Mortgage Process
Collection Accounts | Credit Disputes | Home Mortgages | Mortgage Processing And Underwriting | Videos

How Credit Disputes Affect Mortgage Process

ByApril Ramirez Posted onFebruary 5, 2024February 23, 2024

In this article, we will cover and discuss how credit disputes affect mortgage process and cause loan denial. The pre-approval…

Continue Reading How Credit Disputes Affect Mortgage ProcessContinue

Mortgage During and After Divorce on Purchase and Refinance
Videos | Home Mortgages

Mortgage During and After Divorce on Purchase and Refinance

ByGustan Cho Posted onJanuary 25, 2024August 14, 2025

In this blog, we will cover and discuss qualifying for a mortgage during and after divorce on purchase and refinance…

Continue Reading Mortgage During and After Divorce on Purchase and RefinanceContinue

FHA Case Number
Videos | FHA Loans | Mortgage Processing And Underwriting

What is an FHA Case Number on FHA Home Loans

ByGustan Cho Posted onJanuary 25, 2024April 15, 2025

This blog will cover and discuss the FHA case number on new FHA mortgage applications. We will also discuss transfers…

Continue Reading What is an FHA Case Number on FHA Home LoansContinue

Things To Avoid When Repairing Your Credit
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Things To Avoid When Repairing Your Credit For a Mortgage

ByAlex Carlucci Posted onJanuary 18, 2024March 8, 2024

This guide covers things to avoid when repairing your credit for a mortgage approval. There are things to avoid when…

Continue Reading Things To Avoid When Repairing Your Credit For a MortgageContinue

Mortgage Denial After Conditional Approval
Mortgage Processing And Underwriting | Videos

Mortgage Denial After Conditional Approval

ByGustan Cho Posted onJanuary 16, 2024April 25, 2025

In this article, we will address the steps to take if you face mortgage denial following conditional approval. The home…

Continue Reading Mortgage Denial After Conditional ApprovalContinue

First-Time Home Buyer Loan Programs
First Time Home Buyers | Down Payment Assistance | FHA Loans | Home Purchase | HomeReady | VA Loans | Videos

Mortgage Process of First-Time Home Buyer Loan Programs

ByGustan Cho Posted onJanuary 15, 2024March 26, 2024

This guide covers  the mortgage process of first-time home buyer loan programs. First-time home buyers have dominated the housing market…

Continue Reading Mortgage Process of First-Time Home Buyer Loan ProgramsContinue

When Am I Committed To Mortgage Lender
Mortgage Processing And Underwriting | Videos

When Am I Committed To Mortgage Lender For a Home Loan

ByAlex Carlucci Posted onJanuary 14, 2024February 28, 2024

In this article, we will cover and discuss when am I committed to mortgage lender for a home loan. Mortgage…

Continue Reading When Am I Committed To Mortgage Lender For a Home LoanContinue

Third-Party Search By Mortgage Lenders During Underwriting Process
Mortgage Processing And Underwriting | Videos

Third-Party Search By Mortgage Lenders

ByGustan Cho Posted onJanuary 12, 2024July 29, 2025

This guide covers about the third-party search by mortgage lenders during the underwriting process. Mortgage lenders will pull three credit…

Continue Reading Third-Party Search By Mortgage LendersContinue

Credit Reports
Credit Scores | Mortgage Processing And Underwriting

Why Do Lenders Need Credit Reports and Scores

ByGustan Cho Posted onJanuary 12, 2024July 29, 2025

In this blog, we will cover why lenders need credit reports and credit scores to get borrowers a mortgage loan…

Continue Reading Why Do Lenders Need Credit Reports and 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

  • 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

DTI Calculators

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

Subsidiary Sites

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Resources

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  • FICO Simulator
  • MLO License School
  • DTI Mortgage Calculator
  • Documents Required For Mortgage Process
  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
  • 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 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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