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    • Loan LimitsExpand
      • FHA Loan Limits
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      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
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    • Jumbo Mortgage
    • FHA 203K Loans
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Trump to Privatize Fannie Mae and Freddie Mac
Headline News Archives | Videos

Trump To Privatize Fannie Mae and Freddie Mac in 2025

ByAlex Carlucci Posted onAugust 11, 2025August 12, 2025

This guide covers President Donald Trump to privatize Fannie Mae and Freddie Mac later in 2025. Fannie Mae and Freddie…

Continue Reading Trump To Privatize Fannie Mae and Freddie Mac in 2025Continue

Reasons to Buy a Home in Tennessee
Real Estate Topic | Videos

Best Reasons to Buy a Home in Tennessee This Year

ByMargarett Jurilla Posted onAugust 8, 2025August 12, 2025

Reasons to Buy a Home in Tennessee: 2025 Guide for Smart Homebuyers Thinking about moving? You might be surprised by…

Continue Reading Best Reasons to Buy a Home in Tennessee This YearContinue

Credit Report Analysis by Mortgage Underwriters
Mortgage Processing And Underwriting

Secrets to Credit Report Analysis by Mortgage Underwriters

ByMike Gracz Posted onAugust 8, 2025August 12, 2025

Credit Report Analysis by Mortgage Underwriters: 2025 Guide to Getting Approved Buying a home is exciting, but when your loan…

Continue Reading Secrets to Credit Report Analysis by Mortgage UnderwritersContinue

First Mortgage Payment
First Time Home Buyers

First Mortgage Payment: When Is it Due?

ByGustan Cho Posted onAugust 6, 2025August 19, 2025

When Is Your First Mortgage Payment Due? 2025 Guide for Homebuyers You finally did it—you closed on your home and…

Continue Reading First Mortgage Payment: When Is it Due?Continue

How Mortgage Regulations Affect home Buyers
Regulations

How Mortgage Regulations Affect Home Buyers Today

ByGustan Cho Posted onAugust 6, 2025September 2, 2025

It has been over a dozen years since the 2008 financial crisis. Skyrocketing home prices is no doubt scaring mortgage regulators of another potential housing bubble and crisis. However, strong extensive mortgage regulations were implemented to avoid another housing crash and mortgage crisis.

Continue Reading How Mortgage Regulations Affect Home Buyers TodayContinue

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 onAugust 6, 2025August 6, 2025

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

Conventional Loans With Derogatory Credit
Conventional Loans

Conventional Loans With Derogatory Credit Are Possible

ByGustan Cho Posted onAugust 5, 2025August 6, 2025

Conventional Loans with Derogatory Credit: How to Qualify and Get Approved If you have had past credit problems, such as…

Continue Reading Conventional Loans With Derogatory Credit Are PossibleContinue

Avoid Customer Complaints as a loan Officer
Home Mortgages

Avoid Customer Complaints as a Loan Officer and Win Trust

ByAlex Carlucci Posted onAugust 5, 2025September 3, 2025

How to Avoid Customer Complaints as a Loan Officer: Proven Tips That Work The mortgage business is full of moving…

Continue Reading Avoid Customer Complaints as a Loan Officer and Win TrustContinue

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

Primary Home Versus Second Home Purchase

ByGustan Cho Posted onAugust 4, 2025September 3, 2025

Primary Home Mortgage Guide: What Counts, What Doesn’t, and How to Qualify Buying your first home? Confused about what counts…

Continue Reading Primary Home Versus Second Home PurchaseContinue

Reasons to Refinance
Mortgage Refinance

What Are The Reasons To Refinance Current Home Loan

ByAlex Carlucci Posted onAugust 3, 2025August 20, 2025

This guide covers the top reasons to refinance your current home loan. Many homeowners should be thinking of refinancing your…

Continue Reading What Are The Reasons To Refinance Current Home LoanContinue

Fast Quote
Home Purchase

How Much Money Do I Need to Buy a House

ByGustan Cho Posted onAugust 2, 2025August 27, 2025

This guide covers how much money do I need to buy a house. One of the most common first time…

Continue Reading How Much Money Do I Need to Buy a HouseContinue

FHA Guidelines on Late Payments After Bankruptcy
Bad Credit Mortgages | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

FHA Guidelines on Late Payments After Bankruptcy

ByGustan Cho Posted onAugust 1, 2025August 4, 2025

In this blog, we will cover and discuss FHA guidelines on late payments after bankruptcy. Borrowers are often confused with…

Continue Reading FHA Guidelines on Late Payments After BankruptcyContinue

FICO Credit Scores
Home Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

FICO Credit Score Requirements To Qualify For a Mortgage

ByGustan Cho Posted onJuly 31, 2025August 1, 2025

FICO Credit Score: Mortgage Requirements and How to Qualify in 2025 Your FICO credit score plays a significant role in…

Continue Reading FICO Credit Score Requirements To Qualify For a MortgageContinue

Types of Mortgage Lenders For Home Loan Programs
NON-QM Loans | Home Mortgages | Qualifying & Getting Pre-approved | Videos

Types of Mortgage Lenders For Best Rates and Loan Options

ByAlex Carlucci Posted onJuly 26, 2025July 28, 2025

In this blog, we will discuss and cover the types of mortgage lenders homebuyers can consult with to get pre-approved…

Continue Reading Types of Mortgage Lenders For Best Rates and Loan OptionsContinue

Conforming Loan Underwriting Guidelines
Conventional Loans | Automated Underwriting System | Videos

Conforming Loan Underwriting Guidelines for Quick Approval

ByGustan Cho Posted onJuly 25, 2025August 21, 2025

Conforming Loan Underwriting Guidelines: What You Need To Know in 2025 If you’re considering buying a home and want a…

Continue Reading Conforming Loan Underwriting Guidelines for Quick ApprovalContinue

Preparing Credit Profile To Qualify For Mortgage
Bad Credit Mortgages | Videos

Preparing Credit Profile to Qualify for Mortgage Quickly

ByAnngelli Abenes Posted onJuly 23, 2025July 24, 2025

Preparing Credit Profile to Qualify for Mortgage: 2025 Guide Buying a home is exciting, but getting approved for a mortgage…

Continue Reading Preparing Credit Profile to Qualify for Mortgage QuicklyContinue

Why Underwriters Issue Denials
Home Mortgages | Conditional Loan Approval | Mortgage Processing And Underwriting | Videos

Why Underwriters Issue Denials and What You Can Do

ByGustan Cho Posted onJuly 23, 2025July 24, 2025

This guide covers why underwriters issue denials on mortgage loans. The mortgage process should not be a stressful process and…

Continue Reading Why Underwriters Issue Denials and What You Can DoContinue

Rebuilding Credit By Being an Authorized Credit Card User
Videos | Re-Establishing Credit

Rebuilding Credit Being an Authorized Credit Card User

ByGustan Cho Posted onJuly 22, 2025July 23, 2025

This guide covers rebuilding and re-establishing your credit by being an authorized credit card user.  There are many home buyers…

Continue Reading Rebuilding Credit Being an Authorized Credit Card UserContinue

FHA Investor Overlays
Mortgage Lender Overlays

FHA Investor Overlays Versus HUD Agency Mortgage Guidelines

ByGustan Cho Posted onJuly 22, 2025August 21, 2025

FHA Investor Overlays: What They Are and How to Avoid Them Are you trying to get an FHA loan but…

Continue Reading FHA Investor Overlays Versus HUD Agency Mortgage GuidelinesContinue

Mistakes Sellers Make Choosing a Realtor
Videos | Mortgage Processing And Underwriting

Borrowers Cost Out of Pocket in The Mortgage Process

ByGustan Cho Posted onJuly 22, 2025July 23, 2025

This guide covers borrowers cost out of pocket in the mortgage process. There are two types of costs involved when…

Continue Reading Borrowers Cost Out of Pocket in The Mortgage ProcessContinue

Debt-To-Income Ratio Overlays
High Debt To Income Ratio | FHA Loans | Home Mortgages | Videos

Debt-To-Income Ratio Overlays Versus Agency Guidelines

ByGustan Cho Posted onJuly 17, 2025July 22, 2025

Debt-to-Income Ratio Overlays: What Homebuyers Need to Know Your debt-to-income ratio (DTI) matters to lenders when getting a mortgage. But…

Continue Reading Debt-To-Income Ratio Overlays Versus Agency GuidelinesContinue

Self-Employed Mortgage Borrowers
Income And Employment | Bank Statement Loans | NON-QM Loans | Videos

Self-Employed Mortgage Borrowers With No Income Tax Returns

ByAlex Carlucci Posted onJuly 16, 2025July 17, 2025

In this guide, we will cover self-employed mortgage borrowers with no income tax returns required on a home purchase. Many…

Continue Reading Self-Employed Mortgage Borrowers With No Income Tax ReturnsContinue

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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

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  • Conventional DTI Calculator
  • Jumbo DTI Calculator
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  • 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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