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Call or Text: (800) 900-8569

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Gustancho Associates

VA Loans

Home / VA Loans
Colorado VA Lenders
Videos | Bad Credit Mortgages | Mortgage Lender Overlays | VA Loans

Colorado VA Lenders For Bad Credit With No Lender Overlays

ByMike Gracz Posted onSeptember 10, 2025September 11, 2025

Veterans searching for Colorado VA lenders with no overlays for bad credit often run into conflicting guidelines. At Gustan Cho…

Continue Reading Colorado VA Lenders For Bad Credit With No Lender OverlaysContinue

Government Mortgages
FHA Loans | USDA Loans | VA Loans

Government Mortgages For Owner-Occupant Homebuyers

ByGustan Cho Posted onAugust 24, 2025August 25, 2025

In this blog, we will cover and discuss government mortgages for owner-occupant homebuyers. We will go in-depth about what government…

Continue Reading Government Mortgages For Owner-Occupant HomebuyersContinue

FHA Streamline Refinance Utah
Mortgage Refinance | FHA and VA Streamline Refinance | FHA Loans | Videos

FHA Streamline Refinance Utah Mortgage Guidelines

ByJohn Strange Posted onAugust 24, 2025August 25, 2025

In this article, we will cover and discuss FHA streamline refinance Utah mortgage guidelines. Gustan Cho Associates, Empowered by NEXA…

Continue Reading FHA Streamline Refinance Utah Mortgage GuidelinesContinue

VA Loan Limits
VA Loans

VA Loan Limits for 2025

ByAlex Carlucci Posted onAugust 23, 2025August 25, 2025

In this blog, we will cover and discuss VA loan limits on how much home you can buy with a…

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VA Loans For First Time Veteran Home Buyers With No Overlays
VA Loans

VA Loans For First Time Veteran Home Buyers With No Overlays

ByGustan Cho Posted onAugust 19, 2025August 21, 2025

In this blog, we will discuss and cover VA loans for first-time home buyers with no lender overlays. The United…

Continue Reading VA Loans For First Time Veteran Home Buyers With No OverlaysContinue

Virginia VA Loan Requirements
VA Loans

Virginia VA Loan Requirements

ByMike Gracz Posted onAugust 19, 2025August 21, 2025

Virginia VA loan requirements has the most lenient mortgage guidelines versus any other loan program in the nation. VA loans…

Continue Reading Virginia VA Loan RequirementsContinue

VA Lender Overlays
VA Loans

VA Lender Overlays – What Veterans Need to Know in 2025

ByGustan Cho Posted onAugust 18, 2025August 19, 2025

This guide covers VA lender overlays- What Veterans need to know in 2025. Veteran homebuyers who are looking for lenders…

Continue Reading VA Lender Overlays – What Veterans Need to Know in 2025Continue

VA Employment History Guidelines
Income And Employment

VA Employment History Guidelines on VA Loans

ByGustan Cho Posted onAugust 17, 2025August 18, 2025

This guide covers VA employment history guidelines on VA loans. VA loans is the best loan program in the U.S….

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VA New Construction Loan
VA Loans

VA New Construction To Permanent One-Time Close Mortgages

ByMike Gracz Posted onAugust 5, 2025August 6, 2025

VA New Construction to Permanent One-Time Close Mortgages: 2025 Guide for Veterans Buying a house is hard in today’s market….

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Manual Underwriting with Extenuating Circumstances
Manual Underwriting | FHA Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Manual Underwriting With Extenuating Circumstances

ByAlex Carlucci Posted onAugust 5, 2025September 3, 2025

Manual Underwriting With Extenuating Circumstances: 2025 Guide to Mortgage Approval Buying a home can feel impossible when you’ve had tough…

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How to Find a Good Realtor
VA Loans

How to Find a Good Realtor That Can Work Great With Veterans

ByAlex Carlucci Posted onJuly 18, 2025July 21, 2025

This guide covers how to find a good realtor for veterans when buying a house. When you separate from the…

Continue Reading How to Find a Good Realtor That Can Work Great With VeteransContinue

DTI Manual Underwriting Guidelines
Manual Underwriting | Compensating Factors | FHA Loans | High Debt To Income Ratio | VA Loans | Verification Of Rent | Videos

DTI Manual Underwriting Guidelines on FHA and VA Loans

ByAlex Carlucci Posted onJuly 1, 2025July 29, 2025

Understanding DTI Manual Underwriting Guidelines for FHA, VA, Non-QM, and Alternative Loans (2025 Update) Debt-to-income (DTI) manual underwriting guidelines are…

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Mortgage Guidelines After High School
Income And Employment | FHA Loans | Student Loans | USDA Loans | VA Loans | Videos

Mortgage Guidelines After High School Without Experience

ByAnngelli Abenes Posted onJune 27, 2025June 30, 2025

Mortgage Guidelines After High School: How to Qualify for a Home Loan Buying a home is a big dream for…

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Appraisal Transfer Policy
Appraisal | First Time Home Buyers | Videos

Appraisal Transfer Policy From One Lender To Another

ByGustan Cho Posted onJune 26, 2025July 29, 2025

Appraisal Transfer Policy: How to Transfer a Home Appraisal to a New Lender If you’re changing mortgage lenders and have…

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Do All Lenders Have The Same Guidelines On VA Loans (2)
VA Loans | Mortgage Lender Overlays | Videos

Do All Lenders Have the Same Guidelines on VA Loans

ByGustan Cho Posted onMarch 20, 2025July 23, 2025

Do All Lenders Have the Same Guidelines on VA Loans? One of the most frustrating experiences for VA homebuyers is…

Continue Reading Do All Lenders Have the Same Guidelines on VA LoansContinue

How To Improve Credit To Qualify for VA Loans
VA Loans

How To Improve Credit To Qualify For VA Loans

ByGustan Cho Posted onMarch 18, 2025March 19, 2025

How to Improve Credit to Qualify for VA Loans (2025 Update) Buying a home with a VA loan is an…

Continue Reading How To Improve Credit To Qualify For VA LoansContinue

Understanding The VA Funding Fee
VA Loans | Videos

Understanding The VA Funding Fee and Closing Costs

ByAlex Carlucci Posted onMarch 17, 2025March 19, 2025

Understanding the VA Funding Fee: Your Ultimate Guide for 2025 Navigating a VA loan can seem complicated at first. Understanding…

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Purpose of VA Loans
VA Loans

Purpose Of VA Loans Is To Promote Home Ownership To Veterans

ByGustan Cho Posted onMarch 7, 2025April 8, 2025

The purpose of VA Loans is to promote homeownership to members of the U.S. Military who served in the U.S….

Continue Reading Purpose Of VA Loans Is To Promote Home Ownership To VeteransContinue

Cashback at Closing on VA Loans
VA Loans | Videos

Cashback at Closing on VA Loans Mortgage Lending Guidelines

ByAnngelli Abenes Posted onFebruary 17, 2025April 24, 2025

Can you get cashback at closing on VA loans? If you’re a veteran or active-duty service member buying a home…

Continue Reading Cashback at Closing on VA Loans Mortgage Lending GuidelinesContinue

Conventional Loan After Chapter 13
Mortgage After Bankruptcy and Foreclosure

Conventional Loan After Chapter 13 Bankruptcy Guidelines

ByGustan Cho Posted onDecember 3, 2024July 16, 2025

Can You Get a Conventional Loan After Chapter 13 Bankruptcy? Your Complete Guide to 2024 Requirements and Options If you’ve…

Continue Reading Conventional Loan After Chapter 13 Bankruptcy GuidelinesContinue

Common VA Overlays
Mortgage Lender Overlays | VA Loans | video

Common VA Overlays By Lenders Versus Agency Mortgage Guidelines

ByGustan Cho Posted onNovember 18, 2024May 15, 2025

Common VA Overlays: What You Need to Know for 2024 When it comes to VA loans, borrowers often need more…

Continue Reading Common VA Overlays By Lenders Versus Agency Mortgage GuidelinesContinue

7 VA Loan Myths Veterans Need To Know
VA Loans | Videos

7 VA Loan Myths Veterans Need To Know

ByAlex Carlucci Posted onNovember 14, 2024May 15, 2025

7 VA Loan Myths Veterans Need to Know in 2024 For veterans or active-duty service members, the VA loan benefit…

Continue Reading 7 VA Loan Myths Veterans Need To KnowContinue

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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
  • 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
  • Mortgage Guidelines After Unemployment
    Mortgage Guidelines After Unemployment You Can TrustSeptember 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
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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