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Mortgage Process Timeline
Mortgage Processing And Underwriting | Videos

Mortgage Process Timeline From Application To Closing

ByGustan Cho Posted onJanuary 14, 2025January 14, 2025

Understanding the Mortgage Process Timeline: Your Step-by-Step Guide to Getting a Mortgage in 2025 Buying or refinancing your mortgage can…

Continue Reading Mortgage Process Timeline From Application To ClosingContinue

FHA Back to Work Mortgage
FHA Loans | Headline News Archives | Mortgage After Bankruptcy and Foreclosure | NON-QM Loans | Videos

FHA Back To Work Mortgage Waives Bankruptcy and Foreclosure

ByAlex Carlucci Posted onJanuary 14, 2025January 14, 2025

This guide covers the ill-fated HUD’s FHA Back to Work Mortgage. The FHA Back to Work Mortgage no longer exists….

Continue Reading FHA Back To Work Mortgage Waives Bankruptcy and ForeclosureContinue

QM-Qualified Mortgages
Home Mortgages | NON-QM Loans | Videos

What Are QM-Qualified Mortgages Versus Non-QM Loans

ByAlex Carlucci Posted onJanuary 14, 2025January 20, 2025

Understanding QM-Qualified Mortgages: What Borrowers Need to Know in 2025 If you’re thinking about buying a home or refinancing, chances…

Continue Reading What Are QM-Qualified Mortgages Versus Non-QM LoansContinue

Mortgage Approval Without Retracting Credit Disputes
Credit Disputes | Credit Scores | Re-Establishing Credit | Videos

Mortgage Approval Without Retracting Credit Disputes

ByAlex Carlucci Posted onJanuary 13, 2025January 14, 2025

Mortgage Approval Without Retracting Credit Disputes: A Complete Guide for 2024 and Beyond If you’re worried about how credit disputes…

Continue Reading Mortgage Approval Without Retracting Credit DisputesContinue

Credit History and Recent Late Payments
Bad Credit Mortgages | Mortgage Processing And Underwriting | Mortgage With Late Payments | Videos

Credit History and Recent Late Payments? Get Help Today

ByGustan Cho Posted onJanuary 10, 2025April 7, 2025

How Underwriters View Credit History and Recent Late Payments When buying a home, your credit history and recent late payments…

Continue Reading Credit History and Recent Late Payments? Get Help TodayContinue

Expatraite Mortgage Loans
NON-QM Loans | Videos

Expatriate Mortgage Loans: Quick Start to U.S. Homeownership

ByDale Elenteny Posted onJanuary 7, 2025January 14, 2025

Unlock Your American Dream with Expatriate Mortgage Loans from Gustan Cho Associates Are you dreaming of owning a piece of…

Continue Reading Expatriate Mortgage Loans: Quick Start to U.S. HomeownershipContinue

Hard Pull Credit Inquiries
Credit Scores | Letter Of Explanation | Videos

How Hard Pull Credit Inquiries Affect Credit Scores For a Mortgage

ByGustan Cho Posted onJanuary 7, 2025January 14, 2025

Understanding Hard Pull Credit Inquiries: Your Guide to Smarter Credit Decisions When you’re considering buying a home, every step you…

Continue Reading How Hard Pull Credit Inquiries Affect Credit Scores For a MortgageContinue

Home Loans in Wyoming
Bad Credit Mortgages | Home Mortgages | Videos

Quick Start to Home Loans in Wyoming: Apply Today

ByMike Gracz Posted onJanuary 6, 2025April 7, 2025

Unlocking Home Loans in Wyoming with Poor Credit: A Comprehensive Guide Are you based in Wyoming and struggling to secure…

Continue Reading Quick Start to Home Loans in Wyoming: Apply TodayContinue

Balloon Mortgages
NON-QM Loans | Commercial Loans | Hard Money Loans | Investment Homes | Videos

Balloon Mortgages | What is a Balloon Mortgage

ByGustan Cho Posted onJanuary 3, 2025January 14, 2025

Understanding Balloon Mortgages: A Strategic Guide for 2024 In this article, we will discuss and cover balloon mortgages and how…

Continue Reading Balloon Mortgages | What is a Balloon MortgageContinue

What To Do With Proceeds From Sale Of A House
Home Sellers | Videos

What To Do With Proceeds From Sale of a House

ByAlex Carlucci Posted onDecember 26, 2024December 26, 2024

What to Do with Proceeds from Sale of a House: Smart Financial Moves for 2024 Selling a home often elicits…

Continue Reading What To Do With Proceeds From Sale of a HouseContinue

What is an 80-10-10 or Piggyback Mortgage Loan
Home Mortgages | Videos

What Is An 80-10-10 Or Piggyback Mortgage Loan

ByGustan Cho Posted onDecember 26, 2024December 26, 2024

What Is an 80-10-10 or Piggyback Mortgage? Buying a home can be one of life’s most exciting yet challenging journeys….

Continue Reading What Is An 80-10-10 Or Piggyback Mortgage LoanContinue

Home Loan with Recent Late Payments
Bad Credit Mortgages | Letter Of Explanation | Videos

Home Loan With Recent Late Payments Mortgage Guidelines

ByDale Elenteny Posted onDecember 19, 2024December 26, 2024

Qualifying for a Home Loan with Recent Late Payments in 2024 Are you struggling with recent late payments but still…

Continue Reading Home Loan With Recent Late Payments Mortgage GuidelinesContinue

Liabilities in Mortgage Qualification
Mortgage Processing And Underwriting | High Debt To Income Ratio | Manual Underwriting | Student Loans | video

How Do Underwriters View Liabilities In Mortgage Qualification

ByGustan Cho Posted onDecember 19, 2024December 26, 2024

How Underwriters View Liabilities in Mortgage Qualification (Updated for 2024) When applying for a mortgage, understanding how underwriters evaluate liabilities…

Continue Reading How Do Underwriters View Liabilities In Mortgage QualificationContinue

Mortgage with High DTI
High Debt To Income Ratio | Conventional Loans | FHA Loans | USDA Loans | VA Loans | Videos

Mortgage With High DTI Guidelines On Home Loans

ByGustan Cho Posted onDecember 18, 2024April 7, 2025

Mortgage with High DTI: Your Guide to Home Loans in 2024 In 2024, the world of home loans is changing….

Continue Reading Mortgage With High DTI Guidelines On Home LoansContinue

Upfront Costs Mortgage Application
Videos | Mortgage Processing And Underwriting

Upfront Costs Mortgage Application Versus Closing Costs

ByDale Elenteny Posted onDecember 18, 2024December 20, 2024

In this blog, we will discuss and cover the upfront costs mortgage application versus closing costs. All home buyers or…

Continue Reading Upfront Costs Mortgage Application Versus Closing CostsContinue

PMI on Conventional Loans
Mortgage Insurance | Conventional Loans | Videos

PMI on Conventional Loans With Higher Than 80% LTV

ByGustan Cho Posted onDecember 17, 2024December 18, 2024

Understanding PMI on Conventional Loans: Your Essential Guide for 2024 When you’re looking to buy a home or refinance one,…

Continue Reading PMI on Conventional Loans With Higher Than 80% LTVContinue

Avoiding Delays in Getting a Conditional Mortgage Approval
Mortgage Processing And Underwriting | Conditional Loan Approval | Videos

Avoiding Delays In Getting A Conditional Mortgage Approval

ByGustan Cho Posted onDecember 16, 2024December 18, 2024

Avoiding Delays in Getting Conditional Mortgage Approval: A Step-by-Step Guide Getting a mortgage is a big milestone, but it can…

Continue Reading Avoiding Delays In Getting A Conditional Mortgage ApprovalContinue

One-Time Construction Loan Close
NON-QM Loans | One-Time Close Construction Loans

One-Time Construction Loan Close Mortgage Program

ByMike Gracz Posted onDecember 16, 2024May 13, 2025

The one-time construction loan close for new construction homes enables homebuyers to purchase land, build, and permanently finance a new home.

Continue Reading One-Time Construction Loan Close Mortgage ProgramContinue

Common Mortgage Overlays
Mortgage Lender Overlays | Videos

Common Mortgage Overlays on FHA, VA, Conventional Loans

ByGustan Cho Posted onDecember 12, 2024December 16, 2024

This guide covers common mortgage overlays on government and conventional loans. There are two types of mortgage guidelines. All borrowers…

Continue Reading Common Mortgage Overlays on FHA, VA, Conventional LoansContinue

1099-income-only mortgages
NON-QM Loans | Videos

1099-Income-Only Mortgages

ByAlex Carlucci Posted onDecember 10, 2024December 16, 2024

1099 Income Only Mortgages: A Game-Changer for Self-Employed Borrowers in 2024 Self-employed borrowers, freelancers, and independent contractors often face hurdles…

Continue Reading 1099-Income-Only MortgagesContinue

HUD Manual Underwriting DTI Guidelines
Manual Underwriting | Compensating Factors | FHA Loans | Videos

HUD Manual Underwriting DTI Guidelines: Your Approval Guide

ByEric Jeanette Posted onDecember 6, 2024December 9, 2024

HUD Manual Underwriting DTI Guidelines: Everything You Need to Know in 2024 If you’ve been denied a mortgage because your…

Continue Reading HUD Manual Underwriting DTI Guidelines: Your Approval GuideContinue

Buying a Foreclosed Home
Mortgage After Bankruptcy and Foreclosure | Real Estate Topic | Videos

Buying a Foreclosed Home as First-Time Homebuyers

ByGustan Cho Posted onDecember 5, 2024December 9, 2024

Buying a Foreclosed Home: A First-Time Homebuyer’s Guide for 2024 If you’re considering buying a foreclosed home as a first-time…

Continue Reading Buying a Foreclosed Home as First-Time HomebuyersContinue

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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

  • How to Get the Lowest Mortgage Rates
    How To Get The Lowest Mortgage Rates on Home LoansJuly 2, 2025
  • Foreclosure In Mortgage Qualification
    Foreclosure In Mortgage Qualification Lending GuidelinesJuly 2, 2025
  • How Do I Qualify For A Conventional Loan
    How Do I Qualify For A Conventional LoanJuly 2, 2025
  • Mortgage Rates Rise
    Mortgage Rates Rise For 7 Continuous WeeksJuly 2, 2025

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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
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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
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
      • 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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