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Gustan Cho Associates
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    • 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
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      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
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      • Chapter 13 Bankruptcy Cash-Out-Buyout
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      • FHA Manual Underwriting
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      • W-2 Income Only FHA Loans
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      • FHA Loan With Judgment
    • VA Home LoansExpand
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      • Conventional Loans W-2 Income ONLY Mortgages
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      • Conventional Loan With Bad Credit Scores
    • Condotel Financing
    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
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    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
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  • CareersExpand
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Credit Scores Required For FHA and VA Loans
Bad Credit Mortgages | Credit Scores | FHA Loans | VA Loans | Videos

Credit Scores Required For FHA and VA Loans

ByGustan Cho Posted onDecember 4, 2023July 26, 2024

This guide covers the credit scores required for FHA and VA loans. Many borrowers are confused about the credit scores…

Continue Reading Credit Scores Required For FHA and VA LoansContinue

Verified Funds For Home Closing
Mortgage Processing And Underwriting | Clear To Close | Videos

Verified Funds For Home Closing Prior To Clear-To-Close

ByGustan Cho Posted onDecember 4, 2023July 26, 2024

This guide covers verified funds for home closing before clear-to-close. Failure to provide verified funds for home closing before clear-to-close…

Continue Reading Verified Funds For Home Closing Prior To Clear-To-CloseContinue

College Education Versus Work Experience
Income And Employment | Mortgage Processing And Underwriting | Videos

College Education Versus Work Experience Mortgage Guidelines

ByAlex Carlucci Posted onDecember 3, 2023July 29, 2025

This guide covers qualifying for a mortgage after college education versus work experience mortgage guidelines.  We will further cover why…

Continue Reading College Education Versus Work Experience Mortgage GuidelinesContinue

Recovery of Housing Market
Home Mortgages | Real Estate Topic | Videos

Recovery of Housing Market and Mortgage Guidelines

ByGustan Cho Posted onDecember 3, 2023July 26, 2024

This guide covers the recovery of housing market and updates new mortgage guidelines and loan programs. Many of us remember…

Continue Reading Recovery of Housing Market and Mortgage GuidelinesContinue

Best Time To Purchase a Home For First-Time Homebuyers
Home Purchase | Real Estate Topic | Videos

Best Time To Purchase a Home For First-Time Homebuyers

ByGustan Cho Posted onDecember 1, 2023February 20, 2024

This guide covers the best time to purchase a home for first-time homebuyers. Many homebuyers ask when is the best…

Continue Reading Best Time To Purchase a Home For First-Time HomebuyersContinue

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 onDecember 1, 2023July 25, 2025

This guide covers choosing a loan officer with no mortgage lender overlays. This guide will discuss watching out for these…

Continue Reading Choosing a Loan Officer With No Mortgage Lender OverlaysContinue

Calculating Monthly Mortgage Payment On Home Purchase
Home Mortgages | High Debt To Income Ratio | Income And Employment | Videos

Calculating Monthly Mortgage Payment on Home Purchase

ByGustan Cho Posted onNovember 30, 2023July 26, 2024

This guide covers calculating monthly mortgage payment on a home purchase. Many first-time homebuyers think they need a lot of…

Continue Reading Calculating Monthly Mortgage Payment on Home PurchaseContinue

Home Loan Programs After Bankruptcy And Foreclosure
NON-QM Loans

Home Loan Programs after Bankruptcy and Foreclosure

ByGustan Cho Posted onNovember 30, 2023March 20, 2024

This guide covers home loan programs after bankruptcy and foreclosure. There are various home loan programs after bankruptcy and foreclosure….

Continue Reading Home Loan Programs after Bankruptcy and ForeclosureContinue

Best Arizona Mortgage Lenders For Bad Credit With Low FICO
Videos | Mortgage Lender Overlays | VA Loans

Best Arizona Mortgage Lenders For Bad Credit With Low FICO

ByAlex Carlucci Posted onNovember 24, 2023July 29, 2025

This blog covers the best Arizona mortgage lenders for bad credit with low FICO credit scores. It is an important…

Continue Reading Best Arizona Mortgage Lenders For Bad Credit With Low FICOContinue

Removing Judgments Off Credit Report
Judgment | Home Mortgages | Videos

Removing Judgments Off Credit Report For Mortgage

ByMargarett Jurilla Posted onNovember 15, 2023July 7, 2025

This guide covers removing judgments off credit report to qualify for and get approved for a mortgage. Borrowers can qualify…

Continue Reading Removing Judgments Off Credit Report For MortgageContinue

Getting More House For Your Money
Videos | Credit Scores | Home Purchase | Mortgage Rates | Property Taxes

Getting More House For Your Money With Low Property Taxes

ByGustan Cho Posted onNovember 11, 2023July 26, 2024

This guide covers getting more house for your money with low property taxes.  Getting more house for your money is…

Continue Reading Getting More House For Your Money With Low Property TaxesContinue

Housing Shortage
Headline News Archives | Videos

Skyrocketing Home Prices Due To Housing Shortage

ByAlex Carlucci Posted onNovember 1, 2023August 19, 2025

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, 2023July 29, 2025

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

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, 2023July 8, 2025

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

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…

Continue Reading Buying Home With No PMI With 80-10-10 Mortgage LoansContinue

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

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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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  • GCA Mortgage Group
  • GCA Forum

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Resources

  • Get Pre-Approved
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  • 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 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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