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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
    • NEXA Career OpportunitiesExpand
      • How To Brand Yourself as a Loan Officer
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
    • Loan OfficersExpand
      • Michael Gracz
      • Ronda Butts
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • Refinance Mortgage Options
      • Cash-Out Refinance
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • Rate And Term Refinance
      • 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
    • DACA Mortgage Loans
    • 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
    • Condominium LoansExpand
      • Warrantable Condos
      • Non-Warrantable Condos
      • 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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How To Find The Best Realtor For First-Time Homebuyers
Videos | Home Purchase | Home Sellers | Real Estate Topic

How To Find The Best Realtor For First-Time Homebuyers

ByRonda Butts Posted onJune 4, 2023June 4, 2023

First-time homebuyers need to hire an experienced realtor who is not just accessible 24/7 but who knows the area where the subject property is located.

Continue Reading How To Find The Best Realtor For First-Time HomebuyersContinue

Florida Housing Market For Homebuyers and Renters
Home Purchase | Home Mortgage | Rental Income | Videos

Florida Housing Market For Homebuyers and Renters

ByAlaina Phillips Posted onMay 30, 2023June 2, 2023

There is no sign of any housing market crash, especially in Florida. Home prices are booming with no signs of any correction.

Continue Reading Florida Housing Market For Homebuyers and RentersContinue

Mortgage Loan Underwriting Process For Home Buyers
Mortgage Processing And Underwriting | Videos

Mortgage Loan Underwriting Process For Home Buyers

ByFelix Nicolas Posted onMay 12, 2023May 22, 2023

. This article will cover how the mortgage loan underwriting process works. The qualification and the pre-approval process are the…

Continue Reading Mortgage Loan Underwriting Process For Home BuyersContinue

Owner-Occupant Multi-Family Mortgage Guidelines
Muti-Family Investment | Non-Occupant Co-Borrowers | Videos

Owner-Occupant Multi-Family Mortgage Guidelines

ByGustan Cho Posted onMay 11, 2023May 11, 2023

We will discuss and cover owner-occupant multi-family mortgage guidelines on two to four units. Any property between one to four…

Continue Reading Owner-Occupant Multi-Family Mortgage GuidelinesContinue

VA Loan Information Guidelines UPDATES For 2023
VA Loans | Videos

VA Loan Information Guidelines UPDATES For 2023

ByDale Elenteny Posted onMay 11, 2023May 12, 2023

This guide will cover VA loan information guidelines updates for 2023. There are VA Loan Information UPDATES on Guidelines And…

Continue Reading VA Loan Information Guidelines UPDATES For 2023Continue

Buying House While In Chapter 13 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | FHA Loans | VA Loans | Videos

Buying House While In Chapter 13 Bankruptcy

ByGustan Cho Posted onMay 1, 2023May 3, 2023

In this blog, we will cover and discuss buying house while in Chapter 13 Bankruptcy. Chapter 13 Bankruptcy is a…

Continue Reading Buying House While In Chapter 13 BankruptcyContinue

What Is Mortgage Fraud
Videos | Mortgage Fraud | Regulations

What Is Mortgage Fraud

ByAmanda Witthauer Posted onApril 30, 2023May 18, 2023

Mortgage fraud is when someone, directly or indirectly, participates by misstatement, false representation, or omission when applying for a mortgage…

Continue Reading What Is Mortgage FraudContinue

FHA Loans After Unemployment Mortgage Guidelines
Gaps In Employment | FHA Loans | Income And Employment | Videos

FHA Loans After Unemployment Mortgage Guidelines

ByGustan Cho Posted onApril 18, 2023April 18, 2023

This blog will discuss qualifying for FHA loans after unemployment with gaps in employment mortgage guidelines. Homebuyers can now qualify…

Continue Reading FHA Loans After Unemployment Mortgage GuidelinesContinue

Employment Gaps Lending Guidelines For Mortgage Approval
Income And Employment | Videos

Employment Gaps Lending Guidelines For Mortgage Approval

ByGustan Cho Posted onApril 17, 2023April 18, 2023

This blog concerns qualifying for a mortgage and getting approved with employment gaps in the past two years. Many borrowers…

Continue Reading Employment Gaps Lending Guidelines For Mortgage ApprovalContinue

Buying Home Near Railroad Tracks and Resale Value
Home Purchase | Home Mortgage | Home Sellers | Videos

Buying Home Near Railroad Tracks and Resale Value

ByGustan Cho Posted onApril 12, 2023April 16, 2023

This article will discuss buying home near railroad tracks and its negative impact on the appreciation and resale value. There…

Continue Reading Buying Home Near Railroad Tracks and Resale ValueContinue

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

VA and FHA Streamline Refinance Mortgage Guidelines

ByGustan Cho Posted onApril 8, 2023April 8, 2023

This article will cover VA and FHA streamline refinance mortgage guidelines. VA and FHA streamline refinance mortgage guidelines are almost…

Continue Reading VA and FHA Streamline Refinance Mortgage GuidelinesContinue

FHA Versus Conforming Loans Mortgage Lending Guidelines
FHA Loans | Conventional Loans | Student Loans | Videos

FHA Versus Conforming Loans Mortgage Lending Guidelines

ByGustan Cho Posted onApril 6, 2023April 25, 2023

This guide will cover the difference between FHA versus conforming loans. We will discuss FHA versus conforming loans mortgage lending…

Continue Reading FHA Versus Conforming Loans Mortgage Lending GuidelinesContinue

How Much House Can I Afford To Buy Versus Qualify
Bad Credit Mortgages | Home Mortgage | Home Purchase | Videos

How Much House Can I Afford To Buy Versus Qualify

ByGustan Cho Posted onApril 6, 2023April 28, 2023

In this guide, we will cover how much house can I afford versus qualify. First-time and seasoned home buyers must…

Continue Reading How Much House Can I Afford To Buy Versus QualifyContinue

Homes For Sale By Owner Versus Homes Listed With Realtor
Videos | Home Mortgage | Home Purchase | Home Sellers | Real Estate Topic

Homes For Sale By Owner Versus Homes Listed With Realtor

ByRonda Butts Posted onApril 3, 2023April 6, 2023

There are some homeowners who feel they can sell their homes without the help of a real estate agent and save the 6% sales commission.

Continue Reading Homes For Sale By Owner Versus Homes Listed With RealtorContinue

Mortgage Processing and Underwriting Process Leading to CTC
Mortgage Processing And Underwriting | Videos

Mortgage Processing and Underwriting Process Leading to CTC

ByGustan Cho Posted onMarch 19, 2023April 4, 2023

This guide will cover mortgage processing and underwriting, leading to the clear to close. Mortgage companies have different ways of…

Continue Reading Mortgage Processing and Underwriting Process Leading to CTCContinue

Getting Approved For a Mortgage With Outstanding Collections
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Videos

Getting Approved For a Mortgage With Outstanding Collections

ByGustan Cho Posted onMarch 18, 2023March 24, 2023

This guide will cover getting approved for a mortgage with outstanding collections. The team at Gustan Cho Associates often gets…

Continue Reading Getting Approved For a Mortgage With Outstanding CollectionsContinue

How Property Taxes on New Construction Homes Are Calculated
Property Taxes | Home Purchase | One-Time Close Construction Loans | Videos

How Property Taxes on New Construction Homes Are Calculated

ByMike Gracz Posted onMarch 18, 2023May 8, 2023

This blog will discuss how mortgage underwriters calculate property taxes on new construction homes. Property taxes on new construction homes…

Continue Reading How Property Taxes on New Construction Homes Are CalculatedContinue

Mortgage for First-Time Home Buyers with Bad Credit
Bad Credit Mortgages | First Time Home Buyers | Home Purchase | Videos

Mortgage for First-Time Home Buyers with Bad Credit

ByGustan Cho Posted onMarch 17, 2023March 17, 2023

Borrowers with prior outstanding collections, charged-off accounts, and other bad credit can qualify for a mortgage without paying them off. The key to qualifying for a mortgage is not prior bad credit but timely payments.

Continue Reading Mortgage for First-Time Home Buyers with Bad CreditContinue

Traditional and Non-QM Mortgage Loan Programs
NON-QM Loans

Traditional and Non-QM Mortgage Loan Programs

ByMike Gracz Posted onMarch 16, 2023March 16, 2023

Dozens of non-QM loan programs have been launched for 2021. The dozens of alternative mortgage loan programs is fueling the booming housing market and drying up inventory of home. Thus, it is skyrocketing home prices even more.

Continue Reading Traditional and Non-QM Mortgage Loan ProgramsContinue

FHA Loan With Judgment Mortgage Guidelines For 2023
Judgment | Videos

FHA Loan With Judgment Mortgage Guidelines For 2023

ByGustan Cho Posted onMarch 16, 2023March 17, 2023

This blog will discuss qualifying for an FHA loan with judgment mortgage guidelines and requirements. A Judgment is probably the…

Continue Reading FHA Loan With Judgment Mortgage Guidelines For 2023Continue

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    Gustan Cho Associates are mortgage brokers 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. You can rest assured any owner-occupant primary home, second home, or investment property mortgage loan program in the marketplace, you will find them offered at Gustan Cho Associates Talk to a loan officer today

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      How To Find The Best Realtor For First-Time HomebuyersJune 4, 2023
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      What Is an iBuyer and How Does It WorkMay 30, 2023

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    • About Us
      • Contact Us
      • Get Pre-Approved
      • Order Credit
      • FICO Simulator
      • MLO License School
      • Why Choose Us
      • Meet Our Team
      • NEXA Career Opportunities
        • How To Brand Yourself as a Loan Officer
      • Preferred Realtor Partner Network
        • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
        • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
      • Loan Officers
        • Michael Gracz
        • Ronda Butts
    • Types Of Mortgages
      • Purchase
        • Home Purchase Loans
        • Investment Property Loan
      • Refinance
        • Refinance Mortgage Options
        • Cash-Out Refinance
        • Chapter 13 Bankruptcy Cash-Out-Buyout
        • Rate And Term Refinance
        • 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
      • DACA Mortgage Loans
      • 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
      • Condominium Loans
        • Warrantable Condos
        • Non-Warrantable Condos
        • 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
    • Testimonials
    • Talk To A Loan Officer