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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
      • 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
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Call or Text: (800) 900-8569

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NON QM Loans

Home / NON QM Loans - Page 3
Types of Residential Lending
Bad Credit Mortgages | Conventional Loans | FHA Loans | NON-QM Loans | USDA Loans | VA Loans | Videos

The Types of Residential Lending for Borrowers With Bad Credit

ByGustan Cho Posted onMarch 8, 2024August 8, 2024

This guide covers the different types of residential lending for homebuyers with bad credit out in todays marketplace for owner-occupant…

Continue Reading The Types of Residential Lending for Borrowers With Bad CreditContinue

Texas Cash-Out Refinance Guidelines For 2024
Mortgage Refinance | Home Mortgages | NON-QM Loans | Videos

Texas Cash-Out Refinance Guidelines For 2024

ByJohn Strange Posted onMarch 1, 2024August 8, 2024

This blog post will explore and elaborate on the Texas Cash-Out Refinance Guidelines in home mortgages. Gustan Cho Associates, a…

Continue Reading Texas Cash-Out Refinance Guidelines For 2024Continue

Non-QM Loans and Non-Traditional Mortgages
No-Ratio Mortgage Loans | NON-QM Loans | Profit and Loss Statement Only Mortgages | Videos

Benefits of Non-QM Loans and Non-Traditional Mortgages

ByGustan Cho Posted onFebruary 16, 2024August 6, 2024

This guide outlines the advantages of Non-QM loans and Non-Traditional Mortgages. Gustan Cho Associates serves as your reliable ally for…

Continue Reading Benefits of Non-QM Loans and Non-Traditional MortgagesContinue

Non-Qualified Mortgage Products
NON-QM Loans | Bank Statement Loans | Videos

Non-Qualified Mortgage Products and Lending Guidelines

ByGustan Cho Posted onFebruary 15, 2024August 6, 2024

Dozens of non-QM loan programs have been created and launched in recent years. A large percentage of homebuyers who cannot qualify for traditional loans gravitate towards non-QM loans.

Continue Reading Non-Qualified Mortgage Products and Lending GuidelinesContinue

NON-QM Loan Guidelines
NON-QM Loans | Mortgage After Bankruptcy and Foreclosure | Videos

NON-QM Loan Guidelines on Waiting Period After Foreclosure

ByAlex Carlucci Posted onFebruary 9, 2024February 12, 2024

This guide covers NON-QM Loan Guidelines on waiting period after housing event . Everyone experiences hardship during some time in…

Continue Reading NON-QM Loan Guidelines on Waiting Period After ForeclosureContinue

Non-Qualifying Mortgages
NON-QM Loans

Best Lenders For Non-Qualifying Mortgages

ByGustan Cho Posted onFebruary 8, 2024April 3, 2025

Non-qualifying mortgages, commonly known as Non-QM loans, cater to borrowers seeking alternative home loan programs that diverge from the parameters…

Continue Reading Best Lenders For Non-Qualifying MortgagesContinue

Non-QM Down Payment Guidelines On Home Purchase
Home Purchase | Mortgage Processing And Underwriting | NON-QM Loans | Real Estate Topic | Videos

Non-QM Down Payment Guidelines on Home Purchase

ByAlex Carlucci Posted onJanuary 22, 2024June 14, 2024

This guide covers non-QM down payment guidelines on home purchase. Non-QM down payment guidelines on home purchase for homebuyers on…

Continue Reading Non-QM Down Payment Guidelines on Home PurchaseContinue

Mortgage Rates On NON-QM Loans
Bank Statement Loans | Mortgage Rates | NON-QM Loans | Videos

Mortgage Rates on NON-QM Loans and No-Doc Mortgages

ByGustan Cho Posted onJanuary 20, 2024July 29, 2024

This guide covers mortgage rates on non-QM loans and no-doc mortgages. Current Home Mortgage Rates after the election of President…

Continue Reading Mortgage Rates on NON-QM Loans and No-Doc MortgagesContinue

New Mortgage Programs
NON-QM Loans | Bank Statement Loans | No-Ratio Mortgage Loans | Qualifying & Getting Pre-approved | Videos

New Mortgage Programs For Homebuyers and Investors

ByAlex Carlucci Posted onJanuary 19, 2024July 29, 2024

In this article, we will cover and discuss new mortgage programs for homebuyers and real estate investors. We have over…

Continue Reading New Mortgage Programs For Homebuyers and InvestorsContinue

Profit and Loss Statement Only Mortgage Loans
No-Ratio Mortgage Loans | NON-QM Loans | Profit and Loss Statement Only Mortgages | Videos

Profit and Loss Statement Only Mortgage Loans

ByGustan Cho Posted onJanuary 19, 2024May 12, 2025

In this article, we will cover qualifying for the Profit and Loss Statement Only Mortgage Loans with no-income verification and…

Continue Reading Profit and Loss Statement Only Mortgage LoansContinue

Non-QM Down Payment Requirements For Home Buyers
House Flipping | Investment Homes | NON-QM Loans | Videos

Non-QM Down Payment Requirements For Home Buyers

ByGustan Cho Posted onJanuary 17, 2024July 29, 2024

This article covers Non-QM down payment requirements for home buyers. Non-QM down payment requirements for home buyers is anywhere between…

Continue Reading Non-QM Down Payment Requirements For Home BuyersContinue

Subprime Loans and NON-QM Mortgage Guidelines
NON-QM Loans | Bank Statement Loans | No-Ratio Mortgage Loans | Videos

Subprime Loans and NON-QM Mortgage Guidelines

ByAlex Carlucci Posted onJanuary 11, 2024March 18, 2024

This guide covers subprime loans and non-QM mortgages. Borrowers who have bad credit or not enough income due to self-employment…

Continue Reading Subprime Loans and NON-QM Mortgage GuidelinesContinue

Mortgage Loan Programs With No Overlays and 30 Day Closings
Home Mortgages | Mortgage Lender Overlays | NON-QM Loans | Videos

Mortgage Loan Programs With No Overlays and 30-Day Closing

ByAlex Carlucci Posted onJanuary 10, 2024May 12, 2025

In this blog, we will cover and discuss mortgage loan programs with no overlays and closing in 30 days. The…

Continue Reading Mortgage Loan Programs With No Overlays and 30-Day ClosingContinue

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 onDecember 13, 2023May 24, 2024

Chicago mortgage loans for self-employed individuals. Many folks in the Chicago Area are business owners and self-employed. If you are…

Continue Reading Chicago Mortgage Loans For Self-Employed IndividualsContinue

Home Loan Programs After Bankruptcy And Foreclosure
NON-QM Loans

Home Loan Programs after Bankruptcy and Foreclosure

ByGustan Cho Posted onNovember 30, 2023March 20, 2024

This guide covers home loan programs after bankruptcy and foreclosure. There are various home loan programs after bankruptcy and foreclosure….

Continue Reading Home Loan Programs after Bankruptcy and ForeclosureContinue

No-Ratio Mortgage Loans
No-Ratio Mortgage Loans | NON-QM Loans | Videos

No-Ratio Mortgage Loans

ByAlex Carlucci Posted onNovember 12, 2023May 12, 2025

In this blog, we will cover what no-ratio mortgage loans are. We will discuss how no-ratio mortgage loans work and…

Continue Reading No-Ratio Mortgage LoansContinue

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

Utah Hard Money Loan Closings In 24 Hours

ByGustan Cho Posted onAugust 1, 2023July 25, 2024

This guide covers Utah hard money loan closings in 24 hours for real estate investors offered at Lending Network, LLC….

Continue Reading Utah Hard Money Loan Closings In 24 HoursContinue

Top 5 Reasons To Buy a Home Now
Home Purchase | First Time Home Buyers | Real Estate Topic | Videos

Top 5 Reasons To Buy a Home Now

ByRavinder Sharma Posted onJuly 13, 2023June 28, 2024

This guide covers the top 5 reasons to buy a home now rather than wait. Rents are increasing across the…

Continue Reading Top 5 Reasons To Buy a Home NowContinue

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 onJuly 3, 2023July 25, 2024

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

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

Refinancing NON-QM To Conforming Loans

ByAlex Carlucci Posted onJuly 1, 2023July 25, 2024

This guide covers refinancing non-QM to conforming loans with lower mortgage rates. Mortgage rates hit the highest in 2023 since…

Continue Reading Refinancing NON-QM To Conforming LoansContinue

UPDATED Non-QM Guidelines POST Coronavirus Outbreak
NON-QM Loans | Headline News Archives | Videos

UPDATED Non-QM Guidelines POST Coronavirus Outbreak

ByGustan Cho Posted onJune 24, 2023July 25, 2024

This guide covers the updated non-QM guidelines post-coronavirus outbreak and political scare. Non-QM guidelines are not uniform agency lending guidelines…

Continue Reading UPDATED Non-QM Guidelines POST Coronavirus OutbreakContinue

Alternative Lending & NON-QM Mortgage Guidelines
Bank Statement Loans | Doctor and Medical Professional Mortgages | No-Ratio Mortgage Loans | NON-QM Loans | Videos

Alternative Lending Mortgage Options For Bad Credit

ByGustan Cho Posted onJanuary 25, 2023July 24, 2024

Thanks to alternative lending mortgage options, homebuyers who could not qualify for government and conventional loans can now qualify for…

Continue Reading Alternative Lending Mortgage Options For Bad CreditContinue

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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

DTI Calculators

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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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