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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 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 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 LoansExpand
      • 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 LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
      • 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
      • 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
  • BlogsExpand
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

NON QM Loans

Home / NON QM Loans
Non-QM Loan Waiting Period Guidelines
NON-QM Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Bounce Back Fast With Non-QM Loan Waiting Period Guidelines

ByAlex Carlucci Posted onAugust 26, 2025August 27, 2025

Non-QM Loan Waiting Period Guidelines: Buy a Home Sooner After Bankruptcy or Foreclosure Life happens. Job loss, medical bills, divorce,…

Continue Reading Bounce Back Fast With Non-QM Loan Waiting Period GuidelinesContinue

Impact of The Coronavirus Outbreak on Non-QM Lenders
Headline News Archives | Videos

The Impact of The Coronavirus Outbreak on Non-QM Lenders

ByAlex Carlucci Posted onAugust 22, 2025August 25, 2025

The Impact of the Coronavirus Outbreak on Non-QM Lenders The Coronavirus outbreak hit non-QM lenders hard and fast. In early…

Continue Reading The Impact of The Coronavirus Outbreak on Non-QM LendersContinue

Non-QM Home Loan Guidelines
NON-QM Loans | Videos

Non-QM Home Loan Guidelines For Borrowers With Bad Credit

ByAnngelli Abenes Posted onAugust 15, 2025August 27, 2025

NON-QM Home Loan Guidelines: 2025 Guide to Buying After Denial Buying a home isn’t always easy when your credit, income,…

Continue Reading Non-QM Home Loan Guidelines For Borrowers With Bad CreditContinue

Jumbo Loans After Foreclosure
Jumbo Loans

Jumbo Loans After Foreclosure: Proven Fast-Track Plan

ByGustan Cho Posted onAugust 15, 2025September 2, 2025

Jumbo Loans After Foreclosure (2025 Guide): Buy Big Again—Sooner, Smarter, With a Plan If you lost a home in the…

Continue Reading Jumbo Loans After Foreclosure: Proven Fast-Track PlanContinue

Chicago Mortgage Loans for Self-Employed Individuals
Videos | Bank Statement Loans | Income And Employment | NON-QM Loans

Chicago Mortgage Loans For Self-Employed Individuals

ByAlex Carlucci Posted onAugust 12, 2025August 15, 2025

Chicago Mortgage Loans for Self-Employed Individuals: 2025 Guide to Getting Approved Being self-employed in the Chicago area can be super…

Continue Reading Chicago Mortgage Loans For Self-Employed IndividualsContinue

Real Estate Investing Mortgage Loan Programs
Videos | Commercial Loans | Hard Money Loans | Investment Homes

Real Estate Investing Mortgage Loan Programs For Investors

ByDale Elenteny Posted onAugust 6, 2025August 6, 2025

This guide covers real estate investing mortgage loan programs for investors. There are various types of real estate investing.  Real…

Continue Reading Real Estate Investing Mortgage Loan Programs For InvestorsContinue

Conforming Versus Non-Conforming Mortgage
NON-QM Loans

What is Conforming versus Non-Conforming Mortgage Loans

ByGustan Cho Posted onAugust 6, 2025August 6, 2025

This guide covers conforming versus non-conforming mortgage loans. Homebuyers and homeowners have a variety of mortgage loan programs to choose….

Continue Reading What is Conforming versus Non-Conforming Mortgage LoansContinue

Hard Money Loan Closings
Commercial Loans | Hard Money Loans | House Flipping | Investment Homes

Need Fast Funding? Hard Money Loan Closings Made Simple

ByGustan Cho Posted onJuly 17, 2025July 22, 2025

Hard Money Loan Closings: A Complete Guide to Quick Financing for Real Estate Investors Are you a real estate investor…

Continue Reading Need Fast Funding? Hard Money Loan Closings Made SimpleContinue

Self-Employed Mortgage Borrowers
Income And Employment | Bank Statement Loans | NON-QM Loans | Videos

Self-Employed Mortgage Borrowers With No Income Tax Returns

ByAlex Carlucci Posted onJuly 16, 2025July 17, 2025

In this guide, we will cover self-employed mortgage borrowers with no income tax returns required on a home purchase. Many…

Continue Reading Self-Employed Mortgage Borrowers With No Income Tax ReturnsContinue

Refinancing Non-QM To Conforming Loans
NON-QM Loans | Mortgage Rates | Mortgage Refinance | Videos

Refinancing NON-QM To Conforming Loans

ByAlex Carlucci Posted onJuly 14, 2025July 17, 2025

Refinancing Non-QM to Conforming Loans in 2025: A Smart Move for Lower Rates If you have a non-QM loan and…

Continue Reading Refinancing NON-QM To Conforming LoansContinue

Mortgage One Day Out Of Foreclosure
Mortgage After Bankruptcy and Foreclosure | Mortgage Refinance

Mortgage One Day Out of Foreclosure Lending Guidelines

ByGustan Cho Posted onJuly 14, 2025July 17, 2025

Mortgage One Day Out of Foreclosure: How to Get Approved Fast in 2025 Are you trying to get a mortgage…

Continue Reading Mortgage One Day Out of Foreclosure Lending GuidelinesContinue

Non-QM Loans For Real Estate Investors
Videos

Non-QM Loans for Real Estate Investors Made Easy

ByGustan Cho Posted onJuly 10, 2025July 11, 2025

Non-QM Loans for Real Estate Investors: A Smart Alternative to Hard Money in 2025 If you’re a real estate investor…

Continue Reading Non-QM Loans for Real Estate Investors Made EasyContinue

Wholesale Mortgage Lenders for Non-Prime Loans
Home Mortgages | Bad Credit Mortgages

Best Wholesale Mortgage Lenders For Non-Prime Loans

ByApril Ramirez Posted onJuly 3, 2025July 8, 2025

The Best Wholesale Mortgage Lenders for Non-Prime Loans: Your Complete Guide in 2025 Are you a borrower with less-than-perfect credit,…

Continue Reading Best Wholesale Mortgage Lenders For Non-Prime LoansContinue

Mortgage Guidelines on Late Payments
Bad Credit Mortgages | FHA Loans | Mortgage With Late Payments | NON-QM Loans | Videos

Learn Mortgage Guidelines on Late Payments Today

ByAlex Carlucci Posted onJune 27, 2025August 26, 2025

Mortgage Guidelines on Late Payments: How to Qualify for a Home Loan Despite Credit Challenges Life happens. Unexpected events like…

Continue Reading Learn Mortgage Guidelines on Late Payments TodayContinue

Mortgage Insurance Premium
NON-QM Loans

Mortgage Insurance Premium On NON-QM Mortgage Loans

ByGustan Cho Posted onApril 29, 2025May 9, 2025

Mortgage Insurance Premium on Non-QM Mortgage Loans: What You Need to Know When buying a home, mortgage insurance premium often…

Continue Reading Mortgage Insurance Premium On NON-QM Mortgage LoansContinue

Non-QM Mortgage Guidelines
Bad Credit Mortgages

Denied a Loan? Non-QM Mortgage Guidelines Can Help

ByGustan Cho Posted onMarch 27, 2025March 31, 2025

Non-QM Mortgage Guidelines: Your Guide to Getting Approved in 2025 If you’ve been told you don’t qualify for a traditional…

Continue Reading Denied a Loan? Non-QM Mortgage Guidelines Can HelpContinue

Mortgage After Filing Bankruptcy
Bad Credit Mortgages

Mortgage After Filing Bankruptcy With No Waiting Period

ByGustan Cho Posted onMarch 27, 2025March 31, 2025

Bankruptcy can feel like a financial dead end but, it doesn’t have to be. If you’re wondering whether you can…

Continue Reading Mortgage After Filing Bankruptcy With No Waiting PeriodContinue

1099-Income Versus W-2 Income
Income And Employment | No-Ratio Mortgage Loans | NON-QM Loans | Qualifying & Getting Pre-approved | Videos

1099-Income Versus W-2 Income Mortgage Guidelines

ByGustan Cho Posted onJanuary 29, 2025January 30, 2025

1099-Income Versus W-2 Income: How It Affects Your Mortgage Approval When applying for a mortgage, the type of income you…

Continue Reading 1099-Income Versus W-2 Income Mortgage GuidelinesContinue

QM-Qualified Mortgages
Home Mortgages | NON-QM Loans | Videos

What Are QM-Qualified Mortgages Versus Non-QM Loans

ByAlex Carlucci Posted onJanuary 14, 2025January 20, 2025

Understanding QM-Qualified Mortgages: What Borrowers Need to Know in 2025 If you’re thinking about buying a home or refinancing, chances…

Continue Reading What Are QM-Qualified Mortgages Versus Non-QM LoansContinue

Expatraite Mortgage Loans
NON-QM Loans | Videos

Expatriate Mortgage Loans: Quick Start to U.S. Homeownership

ByDale Elenteny Posted onJanuary 7, 2025January 14, 2025

Unlock Your American Dream with Expatriate Mortgage Loans from Gustan Cho Associates Are you dreaming of owning a piece of…

Continue Reading Expatriate Mortgage Loans: Quick Start to U.S. HomeownershipContinue

Conforming Loan Limits Versus NON-QM Loans
NON-QM Loans

Conforming Loan Limits Versus NON-QM Loans On Home Purchase

ByMike Gracz Posted onJanuary 3, 2025January 14, 2025

This BLOG On Conforming Loan Limits Versus NON-QM Loans On Home Purchase Was UPDATED On January 3rd, 2025. Understanding your…

Continue Reading Conforming Loan Limits Versus NON-QM Loans On Home PurchaseContinue

NON-QM Versus Traditional Mortgage
NON-QM Loans | Videos

NON-QM Versus Traditional Mortgage Performance

ByGustan Cho Posted onJanuary 2, 2025January 14, 2025

NON-QM Versus Traditional Mortgage: Which is Right for You? Finding your way through the complex array of mortgage choices can…

Continue Reading NON-QM Versus Traditional Mortgage PerformanceContinue

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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

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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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