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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
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      • 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
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VA TBD Manual Underwriting
Manual Underwriting | Bankruptcy | VA Loans | Videos

VA TBD Manual Underwriting Guidelines On Pre-Approvals

ByMike Gracz Posted onJune 18, 2024June 6, 2025

This article is about VA TBD Manual Underwriting Mortgage Guidelines On Pre-Approvals VA TBD Manual Underwriting Mortgage Process. Gustan Cho…

Continue Reading VA TBD Manual Underwriting Guidelines On Pre-ApprovalsContinue

Pest Inspection On VA Loans
VA Loans | Videos

Pest Inspection On VA Loans Mortgage Guidelines By State

ByMike Gracz Posted onJune 18, 2024June 9, 2025

This Article Is About Pest Inspection On VA Loans Mortgage Guidelines By State Pest Inspection On VA Loans Mortgage Guidelines…

Continue Reading Pest Inspection On VA Loans Mortgage Guidelines By StateContinue

Non-QM and Bank Statement Portfolio Loans
Videos | Bank Statement Loans | No-Ratio Mortgage Loans | NON-QM Loans

NON-QM and Bank Statement Portfolio Loans

ByAlex Carlucci Posted onJune 17, 2024July 28, 2025

In this blog, we will discuss and cover non-QM and bank statement portfolio loans for owner-occupant, second homes, and investment…

Continue Reading NON-QM and Bank Statement Portfolio LoansContinue

Checking Your Credit Before Buying Home
Bad Credit Mortgages | Credit Disputes | Credit Scores | Videos

Checking Your Credit Before Buying Home

ByGustan Cho Posted onJune 17, 2024June 9, 2025

This  guide covers checking your credit before buying home.  Your credit score and credit report are significant in the mortgage…

Continue Reading Checking Your Credit Before Buying HomeContinue

VA Renovation Mortgage
Videos | VA Loans

VA Renovation Mortgage Lending Guidelines On VA Loans

ByMike Gracz Posted onJune 13, 2024June 9, 2025

In this blog, we will cover and discuss VA renovation mortgage loans. Many of our veterans do not know they…

Continue Reading VA Renovation Mortgage Lending Guidelines On VA LoansContinue

VA Foreclosure Guidelines
Mortgage After Bankruptcy and Foreclosure | VA Loans | video

VA Foreclosure Guidelines In Qualifying For VA Home Loans

ByGustan Cho Posted onJune 12, 2024June 9, 2025

In this article, we will cover and discuss VA  foreclosure guidelines in qualifying for VA loans. VA Foreclosure Guidelines require…

Continue Reading VA Foreclosure Guidelines In Qualifying For VA Home LoansContinue

FHA Mortgage Loans With No Overlays
Mortgage Lender Overlays | FHA Loans | Videos

FHA Mortgage Loans With No Overlays FHA Lenders

ByGustan Cho Posted onJune 10, 2024July 8, 2025

Gustan Cho Associates is a mortgage company licensed in multiple states, specializing in FHA mortgage loans with no overlays. More…

Continue Reading FHA Mortgage Loans With No Overlays FHA LendersContinue

VA Loan Denial
Mortgage Lender Overlays | VA Loans | video

VA Loan Denial And Qualifying With Lender With No Overlays

ByGustan Cho Posted onJune 10, 2024June 10, 2025

This Article Is About VA Loan Denial And Getting Qualified With Lender With No Overlays There should be no reason why…

Continue Reading VA Loan Denial And Qualifying With Lender With No OverlaysContinue

Fannie Mae-Freddie Mac Exempt Debt Guidelines
Conventional Loans | High Debt To Income Ratio | Videos

Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional Loans

ByAnngelli Abenes Posted onJune 7, 2024June 10, 2025

There are certain debts that can be exempt from debt to income ratio calculations on conventional loans.

Continue Reading Fannie Mae-Freddie Mac Exempt Debt Guidelines On Conventional LoansContinue

HUD And Fannie Mae Guidelines On Credit Disputes
Videos | Credit Disputes | Qualifying & Getting Pre-approved

HUD And Fannie Mae Guidelines On Credit Disputes

ByAnngelli Abenes Posted onJune 6, 2024June 10, 2025

This blog will discuss the HUD and Fannie Mae Guidelines on credit disputes during the mortgage process. We will outline…

Continue Reading HUD And Fannie Mae Guidelines On Credit DisputesContinue

Refinancing During Coronavirus Pandemic
Headline News Archives

Refinancing During Coronavirus Pandemic Mortgage Crisis

ByMike Gracz Posted onJune 5, 2024June 10, 2025

BREAKING NEWS: Refinancing During Coronavirus Pandemic Mortgage Crisis Hurdles with Refinancing During Coronavirus Pandemic Mortgage Crisis: With all the global…

Continue Reading Refinancing During Coronavirus Pandemic Mortgage CrisisContinue

Selling a House With a Realtor
Home Purchase | Home Sellers | Real Estate Topic | Selling Your Home

Steps To Selling a House With a Realtor Fast For Top Dollar

ByAlex Carlucci Posted onJune 5, 2024June 10, 2025

In this article, we will cover and discuss the steps to selling a house with a realtor fast for top…

Continue Reading Steps To Selling a House With a Realtor Fast For Top DollarContinue

Benefits Of Refinancing During Historic Low Mortgage Rates
Mortgage Refinance | Refinancing | Videos

Benefits Of Refinancing During Historic Low Mortgage Rates

ByAnngelli Abenes Posted onJune 5, 2024June 10, 2025

It is no secret that mortgage interest rates are at historic lows. The COVID-19 pandemic has affected every global market,…

Continue Reading Benefits Of Refinancing During Historic Low Mortgage RatesContinue

VA Loans With Under 620 Credit Scores
VA Loans | Credit Scores | Videos

VA Loans With Under 620 Credit Scores Guidelines

ByGustan Cho Posted onJune 4, 2024July 23, 2025

In this article, we will discuss and explain the guidelines for VA loans with under 620 credit scores. VA loans…

Continue Reading VA Loans With Under 620 Credit Scores GuidelinesContinue

Buying a Home in Another State
First Time Home Buyers | Home Purchase | Real Estate Topic | Videos

Mortgage Qualifications for Buying a Home In Another State

ByGustan Cho Posted onJune 4, 2024June 11, 2025

This guide covers how to qualify for a mortgage by buying a home in another state. Buying a home in…

Continue Reading Mortgage Qualifications for Buying a Home In Another StateContinue

Buying a House in Washington DC
Bad Credit Mortgages | Home Mortgages | video

Steps To Buying a House in Washington DC

ByGustan Cho Posted onMay 31, 2024June 11, 2025

In this blog, we will cover the frequently asked question of what are the steps to buying a house in…

Continue Reading Steps To Buying a House in Washington DCContinue

Mortgage Rates During The COVID-19 Pandemic
Headline News Archives

Mortgage Rates During The COVID-19 Pandemic

ByLaurie Cho Posted onMay 31, 2024June 11, 2025

This guide covers the volatility of mortgage rates during the Covid-19  pandemic. Mortgage Rates During The COVID-19 Pandemic is two-fold….

Continue Reading Mortgage Rates During The COVID-19 PandemicContinue

Qualifying Borrowers For Mortgage
Conditional Loan Approval | Home Mortgages | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Qualifying Borrowers For Mortgage on Purchase and Refinance

ByAnngelli Abenes Posted onMay 31, 2024June 11, 2025

This guide covers the process of qualifying borrowers for mortgage on home purchases and refinances. From the application stage to…

Continue Reading Qualifying Borrowers For Mortgage on Purchase and RefinanceContinue

Layered Risk In Manual Underwriting
Manual Underwriting | Automated Underwriting System | Videos

What Factors Are Considered Layered Risk In Manual Underwriting

ByAnngelli Abenes Posted onMay 30, 2024June 11, 2025

In this blog, we will be discussing the factors that are considered layered risks in manual underwriting. FHA and VA…

Continue Reading What Factors Are Considered Layered Risk In Manual UnderwritingContinue

HUD Derogatory Credit Guidelines
Bad Credit Mortgages | Charge Off Accounts | Credit Disputes | FHA Loans | video

HUD Derogatory Credit Guidelines On FHA Home Loans

ByAnngelli Abenes Posted onMay 30, 2024June 11, 2025

If you have lower credit scores and multiple prior derogatory credit tradelines, FHA loans are your best bet to get an approve/eligible per automated underwriting system (AUS).

Continue Reading HUD Derogatory Credit Guidelines On FHA Home LoansContinue

FHA AUS Approval Versus Manual Underwriting
Automated Underwriting System | FHA Loans | Manual Underwriting | Videos

FHA AUS Approval Versus Manual Underwriting On FHA Loans

ByGustan Cho Posted onMay 30, 2024June 11, 2025

This Article Is About FHA AUS Approval Versus Manual Underwriting On FHA Loans  HUD, the parent of the Federal Housing…

Continue Reading FHA AUS Approval Versus Manual Underwriting On FHA LoansContinue

FHA Loans vs VA Loans
Bad Credit Mortgages | FHA Loans | VA Loans | Videos

FHA Loans vs VA Loans: Comparing Mortgage Options

ByAlex Carlucci Posted onMay 29, 2024June 11, 2025

In this article, we will be comparing FHA loans vs VA loans. VA loans by far are the best mortgage…

Continue Reading FHA Loans vs VA Loans: Comparing Mortgage OptionsContinue

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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

  • 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

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Resources

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  • GCA Approves When Others Can’t
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  • How To Un-Freeze a Credit File?
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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