About Us
About Us at Gustan Cho Associates Gustan Cho Associates is a national five-star mortgage broker licensed in multiple states with…
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Do You Need a Real Estate Agent to Buy a House?
Do you need a real estate agent to buy a house? You generally do not need a real estate agent…
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Home Improvement Projects That Add Value to a Home
Home improvement projects that add value are usually practical, functional, and appealing to a wide range of buyers. Updates such…
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HUD Waiting Period Guidelines After Chapter 13 on FHA Loans
In this blog, we will discuss and cover HUD waiting period guidelines after Chapter 13 on FHA loans. Why is…
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VA Loan Co-Borrower Guidelines: Who Can Apply With a Veteran?
A veteran may apply for a VA loan with a spouse, another eligible Veteran, or, in some cases, a non-Veteran…
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Income And Employment | Bank Statement Loans | Gaps In Employment | Mortgage Processing And Underwriting | Videos
Mortgage For Self-Employed Versus W-2 Borrowers: Income Rules and Loan Options
Self-employed and W-2 borrowers can qualify for many of the same mortgage programs. The main difference is how lenders verify…
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Why Mortgage Guidelines Change and How Borrowers Can Still Get Approved
Mortgage rules do not always stay the same. If you were approved by one lender last year, that does not…
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Bad Credit Mortgages | Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Videos
FHA Versus Conventional Mortgage After Bankruptcy
Filing for bankruptcy doesn’t completely eliminate the possibility of purchasing a home in the future. When considering an FHA versus…
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Non-QM and Bank Statement Portfolio Loans
In this guide, we will discuss and cover non-QM and bank statement portfolio loans for owner-occupant, second homes, and investment…
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Bad Credit Mortgages | Mortgage Processing And Underwriting | Mortgage With Late Payments | NON-QM Loans | Videos
Buying House After Selling Home with Late Payments
In this guide, we will cover and discuss buying a house after selling home with late payments. One of the…
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Bad Credit Home Loans in Indiana: Options and Requirements
Bad credit doesn’t automatically disqualify you from a home loan in Indiana. Options for bad credit home loans in Indiana,…
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Home Mortgages | Career Opportunities/Loan Officer Training | Mortgage Processing And Underwriting | Mortgage Rates | Regulations | Resources | Videos
Correspondent Lending versus Mortgage Brokers
This blog aims to explore the difference between correspondent lending and mortgage brokers. A common inquiry we receive regularly pertains…
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Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Conventional Loans | FHA Loans | Qualifying & Getting Pre-approved | Videos
Past Due versus Collection and Charge Off Accounts Mortgage Guidelines
In this guide, we will discuss and cover past due versus collection and charge off accounts when qualifying and getting…
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VA Mortgage Loans in Arizona Eligibility Requirements
We will be covering qualifying and getting approved for VA mortgage loans in Arizona. Arizona is one of the most…
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Impact of FHA Guidelines on DTI and Student Loans
Struggling with student loan debt can often feel like attempting to run a marathon with a heavy backpack, particularly when…
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Appraisal | FHA Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Real Estate Topic | Videos
FHA Appraisal Transfer to a New Mortgage Lender
In this guide, we will discuss and cover the FHA appraisal transfer from your old lender to a new mortgage…
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High Debt To Income Ratio | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos
Paying Down Credit Card Balances to Boost Credit Scores
This guide covers paying down credit card balances to boost credit scores and lower high debt-to-income ratios to qualify for…
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Automated Underwriting System Findings on Home Mortgages
In this guide we will cover and discuss the automated underwriting system approval, which is also referred to as AUS…
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Bank Statement Loans for Self-Employed Borrowers
In this guide, we will discuss and cover bank statement loans for self-employed borrowers. Non-QM Loans and Bank Statement Loans…
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Mortgage Guidelines with Unpaid Taxes to the IRS
Mortgage Guidelines with Unpaid Taxes: Qualifying for a Home Loan Are you worried about unpaid taxes standing in the way…
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Credit Score Versus Credit History for Mortgage Approval
A qualifying credit score is important when you apply for a mortgage, but it is not the only part of…
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Bad Credit Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos
Lowest Credit Score Allowed For Mortgage Approvals
Many homebuyers worry that a low credit score will automatically stop them from qualifying for a home loan. The lowest…
