Skip to content

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

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

video

Home / video
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 onOctober 17, 2025October 17, 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

Avoiding Stress During Mortgage Process
Home Purchase | Videos

Avoiding Stress During Mortgage Process And Close On Time

ByAnngelli Abenes Posted onOctober 15, 2025October 15, 2025

Why the Mortgage Process Feels So Stressful Buying a home should be one of the most exciting times in your…

Continue Reading Avoiding Stress During Mortgage Process And Close On TimeContinue

How Do Principal Payments Work On Home Mortgages
Home Mortgages | Videos

How Do Principal Payments Work On Home Mortgages

ByAlex Carlucci Posted onOctober 14, 2025October 17, 2025

How Do Principal Payments Work On Home Mortgages Understanding how principal payments work on home mortgages is one of the…

Continue Reading How Do Principal Payments Work On Home MortgagesContinue

Investment Home Mortgage Loans
Investment Homes | Videos

Traditional and Non-Prime Investment Home Mortgage Loans

ByAlex Carlucci Posted onOctober 14, 2025October 17, 2025

Investment Home Mortgage Loans: 2025 Guide to No Doc, DSCR, and Non-QM Options Getting the right investment home mortgage loan…

Continue Reading Traditional and Non-Prime Investment Home Mortgage LoansContinue

Manual Underwriting DTI Guidelines
FHA Loans | Manual Underwriting | VA Loans | Videos

Manual Underwriting DTI Guidelines for FHA and VA Loans

ByMargarett Jurilla Posted onOctober 14, 2025October 17, 2025

This guide covers manual underwriting DTI guidelines on FHA and VA loans. HUD and the Veterans Administration are the only…

Continue Reading Manual Underwriting DTI Guidelines for FHA and VA LoansContinue

How to Cancel PMI
Mortgage Insurance | Videos

How To Cancel PMI on Conventional Loans For Homeowners

ByGustan Cho Posted onOctober 14, 2025October 17, 2025

How to Cancel PMI on Conventional Loans in 2025: Step-by-Step Guide to Save Money Private Mortgage Insurance (PMI) is one…

Continue Reading How To Cancel PMI on Conventional Loans For HomeownersContinue

Steps in Buying a House
Home Purchase | Videos

Steps In Buying A House And Getting Qualified For Mortgage

ByGustan Cho Posted onOctober 14, 2025October 17, 2025

If you’ve been dreaming of owning a home, learning the exact steps in buying a house is the key to…

Continue Reading Steps In Buying A House And Getting Qualified For MortgageContinue

FHA Bankruptcy Waiting Period
Mortgage After Bankruptcy and Foreclosure

FHA Bankruptcy Waiting Period and Mortgage Guidelines

ByGustan Cho Posted onOctober 13, 2025October 17, 2025

Understanding the FHA Bankruptcy Waiting Period The FHA Bankruptcy Waiting Period determines how long a borrower must wait after filing…

Continue Reading FHA Bankruptcy Waiting Period and Mortgage GuidelinesContinue

Choosing a Loan Officer
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Choosing a Loan Officer With No Mortgage Lender Overlays

ByJohn Strange Posted onOctober 13, 2025October 17, 2025

Why Choosing a Loan Officer Matters More Than You Think Buying a home is a big deal. It should feel…

Continue Reading Choosing a Loan Officer With No Mortgage Lender OverlaysContinue

Home Buying Mistakes
First Time Home Buyers | Home Mortgages | Mortgage Processing And Underwriting | Videos

12 Home Buying Mistakes To Avoid By First-Time Homebuyers

ByApril Ramirez Posted onOctober 10, 2025October 16, 2025

12 Common Home Buying Mistakes and How to Avoid Them in 2025 Buying a home is one of the biggest…

Continue Reading 12 Home Buying Mistakes To Avoid By First-Time HomebuyersContinue

How Credit Repair Affects the Mortgage Process
Automated Underwriting System | Credit Disputes | Credit Scores | Mortgage Processing And Underwriting | Videos

How Credit Repair Affects the Mortgage Process Explained

ByGustan Cho Posted onOctober 10, 2025October 17, 2025

How Credit Repair Affects the Mortgage Process: What Borrowers Need to Know Buying a home is one of the most…

Continue Reading How Credit Repair Affects the Mortgage Process ExplainedContinue

FHA Loan Denied for Low Credit Scores in Ohio
Bad Credit Mortgages | FHA Loans | Videos

FHA Loan Denied For Low Credit Scores in Ohio | AUS Approval

ByGustan Cho Posted onOctober 9, 2025October 16, 2025

FHA Loan Denied for Low Credit Scores in Ohio: Why It Happens and How to Get Approved If your FHA…

Continue Reading FHA Loan Denied For Low Credit Scores in Ohio | AUS ApprovalContinue

Benefits of Refinance Mortgage
Mortgage Refinance | Refinancing | Videos

What Are The Benefits of Refinance Mortgage

ByGustan Cho Posted onOctober 9, 2025October 16, 2025

This guide covers the benefits of refinance mortgage loans. There are many benefits of refinance mortgage. Although the Federal Reserve…

Continue Reading What Are The Benefits of Refinance MortgageContinue

HUD guidelines on student loans
Student Loans | Conventional Loans | FHA Loans | Mortgage Processing And Underwriting | Videos

HUD Guidelines on Student Loans vs Other Mortgage Programs

ByGustan Cho Posted onOctober 3, 2025October 16, 2025

This blog will discuss and cover HUD guidelines on student loans vs other mortgage programs.  HUD, the Department of Housing…

Continue Reading HUD Guidelines on Student Loans vs Other Mortgage ProgramsContinue

FHA Lender Overlays
Mortgage Lender Overlays | FHA Loans | Videos

What Are FHA Lender Overlays? A Simple Guide

ByAnngelli Abenes Posted onOctober 1, 2025October 2, 2025

If you are thinking about buying a home or refinancing your current mortgage, you may have heard about FHA loans….

Continue Reading What Are FHA Lender Overlays? A Simple GuideContinue

What Lenders Look for in Bank Statements
Videos | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved

What Lenders Look for in Bank Statements Before Saying Yes

ByGustan Cho Posted onSeptember 30, 2025October 1, 2025

What Lenders Look for in Bank Statements: 2025 Guide for Mortgage Approval Getting a mortgage can be stressful, especially when…

Continue Reading What Lenders Look for in Bank Statements Before Saying YesContinue

Charge-Off Accounts With Balances
Re-Establishing Credit

Yes! Mortgage With Charge-Off Balances Is Still Possible

ByGustan Cho Posted onSeptember 29, 2025October 1, 2025

The Truth About Getting a Mortgage With Charge-Off Balances If you’re worried about buying a home because your credit report…

Continue Reading Yes! Mortgage With Charge-Off Balances Is Still PossibleContinue

When Rent When You Can Own a Home
FHA Loans | First Time Home Buyers | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Why Rent When You Can Own a Home With DPA

ByGustan Cho Posted onSeptember 29, 2025October 1, 2025

Introduction: Why Rent When You Can Own a Home? Renters across the U.S. ask the same question in 2025: Why…

Continue Reading Why Rent When You Can Own a Home With DPAContinue

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

Non-QM Home Loan Guidelines For Borrowers With Bad Credit

ByAnngelli Abenes Posted onSeptember 26, 2025October 2, 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

Canceling a Real Estate Purchase Contract
Real Estate Topic | Home Purchase | Videos

Canceling a Real Estate Purchase Contract Transaction

ByGustan Cho Posted onSeptember 24, 2025September 29, 2025

Why Buyers and Sellers Need to Understand Canceling a Real Estate Purchase Contract Buying or selling a home is exciting,…

Continue Reading Canceling a Real Estate Purchase Contract TransactionContinue

Primary Home Mortgage Guide
Home Purchase | Real Estate Topic | Second Homes | Videos

Easy Primary Home Mortgage Guide Every Buyer Must Read

ByGustan Cho Posted onSeptember 19, 2025September 23, 2025

Primary Home Mortgage Guide: Rules, Loan Options, and How to Qualify Buying your first home can feel confusing. One of…

Continue Reading Easy Primary Home Mortgage Guide Every Buyer Must ReadContinue

FICO Score Needed to Buy a House
Home Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

FICO Score Needed to Buy a House: Fast Approval Tips Inside

ByGustan Cho Posted onSeptember 18, 2025September 23, 2025

Introduction: Your Credit Score Is the Key to Homeownership Buying a home is one of the most significant financial steps…

Continue Reading FICO Score Needed to Buy a House: Fast Approval Tips InsideContinue

Page navigation

1 2 3 … 33 Next PageNext

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

  • Documents Required For Mortgage
    Documents Required For Mortgage Processing and UnderwritingOctober 17, 2025
  • Boise Idaho Housing Market
    Boise Idaho Housing Market: Urgent Trends You NeedOctober 16, 2025
  • Green Mortgage
    Green Mortgage: A Guide to Energy-Efficient Home FinancingOctober 15, 2025
  • Changes in Mortgage Lending
    Changes In Mortgage Lending and How It Affects BuyersOctober 15, 2025

DTI Calculators

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

Subsidiary Sites

  • Gustan Cho Associates Mortgage Advisor
  • GCA Mortgage Group
  • GCA Forum

Connect With Us

  • Facebook
  • LinkedIn
  • YouTube
  • Instagram
  • TikTok
  • Tumblr

Resources

  • Get Pre-Approved
  • Get Automated Underwriting System Approval
  • 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 Lift a Security Freeze on Your Credit Report
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.
Disclaimer | Licenses | Copyrights | Privacy  NMLS Consumer Access© 2025 - Gustan Cho Associates. All Rights Reserved.SiteLock
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
Search