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Housing Shortage
Headline News Archives | Videos

Skyrocketing Home Prices Due To Housing Shortage

ByAlex Carlucci Posted onNovember 1, 2023November 18, 2024

This guide covers skyrocketing home prices due to the housing shortage facing homebuyers. The U.S. is facing a severe housing…

Continue Reading Skyrocketing Home Prices Due To Housing ShortageContinue

Buying a house after bankruptcy discharge date.
Mortgage After Bankruptcy and Foreclosure | Videos

Buying a House After Bankruptcy Discharged Date

ByGustan Cho Posted onOctober 30, 2023April 22, 2024

This guide covers buying a house after bankruptcy discharge date. Buying a house after bankruptcy is possible. Many homebuyers think…

Continue Reading Buying a House After Bankruptcy Discharged DateContinue

HomeReady Versus Home Possible
Conventional Loans | Down Payment Assistance | Home Possible | HomeReady | Videos

HomeReady Versus Home Possible Mortgage Guidelines

ByAlex Carlucci Posted onOctober 30, 2023October 10, 2024

This article covers HomeReady versus Home Possible mortgage guidelines. Many homebuyers contact us at Gustan Cho Associates and want to…

Continue Reading HomeReady Versus Home Possible Mortgage GuidelinesContinue

Solutions For No Credit Scores
Credit Scores | FHA Loans | First Time Home Buyers | Manual Underwriting | Videos

Solutions For No Credit Scores on Mortgage Approval

ByAlex Carlucci Posted onOctober 28, 2023February 14, 2024

This guide covers solutions for no credit scores on mortgage loan approvals. There are cases where consumers do not have…

Continue Reading Solutions For No Credit Scores on Mortgage ApprovalContinue

Mortgage Denial By Underwriter
Mortgage Processing And Underwriting | Conditional Loan Approval | Videos

The Next Steps After a Mortgage Denial By Underwriter

ByGustan Cho Posted onOctober 28, 2023July 26, 2024

This guide covers taking the next steps after getting a mortgage denial by underwriter. There should be no mortgage denial…

Continue Reading The Next Steps After a Mortgage Denial By UnderwriterContinue

How To Review Credit Report
Home Mortgages | Videos

How To Review Credit Report During The Mortgage Process

ByGustan Cho Posted onOctober 25, 2023February 6, 2024

This guide covers how to review credit report during the mortgage process.  We will be discussing how to review credit…

Continue Reading How To Review Credit Report During The Mortgage ProcessContinue

Paying Down Credit Card Balances
High Debt To Income Ratio | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Paying Down Credit Card Balances To Boost Credit Scores

ByGustan Cho Posted onOctober 25, 2023December 18, 2023

This guide covers paying down credit card balances to boost credit scores and lower high debt-to-income ratios to qualify for…

Continue Reading Paying Down Credit Card Balances To Boost Credit ScoresContinue

Changes in Mortgage Guidelines
Headline News Archives

Changes In Mortgage Guidelines and Housing Market

ByAlex Carlucci Posted onOctober 24, 2023July 26, 2024

This guide covers changes in mortgage guidelines for the government and conforming loans. HUD, the parent of FHA, has made…

Continue Reading Changes In Mortgage Guidelines and Housing MarketContinue

Apartment Building Loans For Real Estate Investors
Commercial Loans | Muti-Family Investment | Videos

Apartment Building Loans For Real Estate Investors

ByDale Elenteny Posted onOctober 22, 2023July 26, 2024

This guide covers apartment building loans for real estate investors. Gustan Cho Associates are experts in apartment building loans. Apartment…

Continue Reading Apartment Building Loans For Real Estate InvestorsContinue

The Dream Of Owning Your Own Home
First Time Home Buyers | Home Purchase | Real Estate Topic | Videos

The Dream of Owning Your Own Home

ByAlex Carlucci Posted onOctober 9, 2023December 18, 2023

This guide covers the dream of owning your own home. The dream of owning your own home is a common…

Continue Reading The Dream of Owning Your Own HomeContinue

Understanding Mortgage Forbearance
Mortgage After Bankruptcy and Foreclosure

Understanding Mortgage Forbearance

ByAlex Carlucci Posted onOctober 6, 2023January 26, 2024

This guide covers understanding mortgage forbearance for homeowners who cannot pay their monthly housing payments. Phase three of the coronavirus…

Continue Reading Understanding Mortgage ForbearanceContinue

80-10-10 Mortgage Loans
Conventional Loans | Down Payment Assistance | First Time Home Buyers | Mortgage Insurance | Videos

Buying Home With No PMI With 80-10-10 Mortgage Loans

ByLaurie Cho Posted onJuly 23, 2023November 4, 2024

This guide covers buying home with no private mortgage insurance with 80-10-10 mortgage loans. Any conventional mortgage loan with less…

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Waiting Period After Mortgage Part Of Bankruptcy Guidelines
Conventional Loans | Mortgage After Bankruptcy and Foreclosure | Videos

Waiting Period After Mortgage Part of Bankruptcy Guidelines

ByAlex Carlucci Posted onJuly 22, 2023December 18, 2023

This guide covers the Fannie Mae guidelines on conventional loans with a waiting period after mortgage part of bankruptcy. Many…

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VA Credit Score Mortgage Guidelines
VA Loans | Mortgage Lender Overlays | Videos

VA Credit Score Mortgage Guidelines on VA Home Loans

ByLaurie Cho Posted onJuly 20, 2023May 20, 2024

This guide covers VA credit score mortgage guidelines on VA home loans. VA mortgages are the best home loan program…

Continue Reading VA Credit Score Mortgage Guidelines on VA Home LoansContinue

Bi-Weekly Mortgage Payment
Home Mortgages | Videos

Benefits of Making Bi-Weekly Mortgage Payments

ByGustan Cho Posted onJuly 20, 2023June 11, 2024

This guide covers the benefits of making bi-weekly mortgage payments. The benefit of bi-weekly mortgage payments is that homeowners can…

Continue Reading Benefits of Making Bi-Weekly Mortgage PaymentsContinue

Lender Overlays
Collection Accounts | Charge Off Accounts | Mortgage Lender Overlays | Videos

Lender Overlays on Collection Accounts

ByGustan Cho Posted onJuly 19, 2023July 25, 2024

This guide covers lender overlays on collection accounts and charge-off accounts. Homebuyers who have been turned down for a mortgage…

Continue Reading Lender Overlays on Collection AccountsContinue

The Role of a Mortgage Loan Processor
Mortgage Processing And Underwriting | Videos

The Role of a Mortgage Loan Processor

ByAlex Carlucci Posted onJuly 19, 2023July 3, 2024

This guide covers the role of a mortgage loan processor. We will discuss the important role processors undertake during the…

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Taking Out That Next Student Loan
Student Loans | High Debt To Income Ratio | Home Mortgages | Videos

How Taking Out That Next Student Loan Can Affect Mortgage

ByAlex Carlucci Posted onJuly 15, 2023October 8, 2024

This guide covers the risk of taking out that next student loan when getting a mortgage loan approved. If you…

Continue Reading How Taking Out That Next Student Loan Can Affect MortgageContinue

Home Improvement
FHA 203k Loan | House Flipping | One-Time Close Construction Loans | Videos

Home Improvement Projects That Add Value To a Home

ByGustan Cho Posted onJuly 15, 2023July 25, 2024

This guide covers home improvement projects that add value to a home. Home improvement can be a good investment and…

Continue Reading Home Improvement Projects That Add Value To a HomeContinue

Things That Determines Your Mortgage Rates On Home Loans
Mortgage Rates | Credit Scores | Videos

Things That Determines Your Mortgage Rates

ByApril Ramirez Posted onJuly 13, 2023July 25, 2024

This guide covers things that determines your mortgage rates on home loans. Mortgage rates are the interest rates that you…

Continue Reading Things That Determines Your Mortgage RatesContinue

Primary Home Versus Second Home Purchase
Home Purchase | Real Estate Topic | Second Homes | Videos

Primary Home Versus Second Home Purchase

ByGustan Cho Posted onJuly 12, 2023July 25, 2024

This guide covers primary home versus second home purchase. A primary home is the principal residence of the homeowner. John…

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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

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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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