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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
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      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
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      • Investment Property Loan
    • RefinanceExpand
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      • Chapter 13 Bankruptcy Cash-Out-Buyout
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      • Refinance FHA To Conventional Loans
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      • FHA Manual Underwriting
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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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      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
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  • CareersExpand
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

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Home Loan with no Credit Tradelines
Credit Scores | FHA Loans | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

Home Loan With No Credit Tradelines Mortgage Guidelines

ByGustan Cho Posted onMarch 28, 2025July 29, 2025

Getting a Home Loan With No Credit Tradelines: Your Complete 2025 Guide Buying a home is a thrilling achievement, but…

Continue Reading Home Loan With No Credit Tradelines Mortgage GuidelinesContinue

Buying or Refinancing After Forbearance
Headline News Archives | Videos

Buying or Refinancing After Forbearance Mortgage Guidelines

ByGustan Cho Posted onMarch 25, 2025March 26, 2025

Buying or Refinancing After Forbearance: What You Need to Know in 2025 If you’ve been through a forbearance and are…

Continue Reading Buying or Refinancing After Forbearance Mortgage GuidelinesContinue

Jumbo Loans Chapter 13 Bankruptcy Guidelines
Mortgage After Bankruptcy and Foreclosure | High-Balance Mortgage Loans | Jumbo Loans | NON-QM Loans | Videos

Jumbo Loans Chapter 13 Bankruptcy Guidelines

ByGustan Cho Posted onMarch 24, 2025July 16, 2025

Jumbo Loans Chapter 13 Bankruptcy Guidelines: How to Get Approved in 2025 Many homebuyers think filing Chapter 13 bankruptcy means…

Continue Reading Jumbo Loans Chapter 13 Bankruptcy GuidelinesContinue

Jumbo Versus High-Balance Mortgages in California
High-Balance Mortgage Loans | Jumbo Loans

Jumbo Versus High-Balance Mortgages in California

ByMike Gracz Posted onMarch 24, 2025August 12, 2025

Jumbo Versus High-Balance Mortgages in California: Everything You Need to Know in 2025 If you’re considering buying a home in…

Continue Reading Jumbo Versus High-Balance Mortgages in CaliforniaContinue

Irregular Deposits
Mortgage Processing And Underwriting

Irregular Deposits Could Ruin Your Mortgage—Learn to Fix It

ByDale Elenteny Posted onMarch 24, 2025March 25, 2025

Buying a home is exciting. But when you’re applying for a mortgage, your bank statements can suddenly become a big…

Continue Reading Irregular Deposits Could Ruin Your Mortgage—Learn to Fix ItContinue

Exempt Debts From Debt To Income Ratio To Qualify For Mortgage
High Debt To Income Ratio | Videos

Exempt Debts From Debt To Income Ratio for Mortgage

ByGustan Cho Posted onMarch 21, 2025March 24, 2025

Getting approved for a mortgage isn’t just about your income and credit score. A huge factor lenders look at is…

Continue Reading Exempt Debts From Debt To Income Ratio for MortgageContinue

DuPage County Home Values Down
Headline News Archives

DuPage County Home Values Down 24%, Property Tax Up 7% Since Recession

ByGustan Cho Posted onMarch 21, 2025March 24, 2025

DuPage County Home Values Down: What’s Really Happening in 2025? Many people across the U.S. hear about home prices going…

Continue Reading DuPage County Home Values Down 24%, Property Tax Up 7% Since RecessionContinue

AUS Approval with Late Payments After Bankruptcy
Bad Credit Mortgages | Videos

How To Get AUS Approval With Late Payments After Bankruptcy

ByGustan Cho Posted onMarch 21, 2025March 24, 2025

Getting a mortgage approval after bankruptcy can feel stressful. Having late payments after a bankruptcy discharge makes things even more…

Continue Reading How To Get AUS Approval With Late Payments After BankruptcyContinue

Do All Lenders Have The Same Guidelines On VA Loans (2)
VA Loans | Mortgage Lender Overlays | Videos

Do All Lenders Have the Same Guidelines on VA Loans

ByGustan Cho Posted onMarch 20, 2025July 23, 2025

Do All Lenders Have the Same Guidelines on VA Loans? One of the most frustrating experiences for VA homebuyers is…

Continue Reading Do All Lenders Have the Same Guidelines on VA LoansContinue

Mortgage Approval Process
Regulations

How Regulation Changed the Mortgage Approval Process

ByDale Elenteny Posted onMarch 18, 2025July 29, 2025

Lenders are really strict and can nit-pick during the mortgage process due to tough mortgage regulations. Mortgage regulators can fine lenders. If lenders do not follow mortgage regulations, the mortgage loans the lender closes, and funds may not be able to get sold on the secondary market.

Continue Reading How Regulation Changed the Mortgage Approval ProcessContinue

Understanding The VA Funding Fee
VA Loans | Videos

Understanding The VA Funding Fee and Closing Costs

ByAlex Carlucci Posted onMarch 17, 2025March 19, 2025

Understanding the VA Funding Fee: Your Ultimate Guide for 2025 Navigating a VA loan can seem complicated at first. Understanding…

Continue Reading Understanding The VA Funding Fee and Closing CostsContinue

Why You Should Not Get a 15-Year Fixed-Rate Mortgage
Home Mortgages | Mortgage Rates | Videos

Why You Should Not Get a 15-Year Fixed-Rate Mortgage

ByAlex Carlucci Posted onMarch 5, 2025March 5, 2025

Why You Should Not Get a 15-Year Fixed-Rate Mortgage: Think Twice Before Choosing a 15-year Fixed-Rate Mortgage. If you’re considering…

Continue Reading Why You Should Not Get a 15-Year Fixed-Rate MortgageContinue

Low Down Payment Mortgage
First Time Home Buyers | Home Purchase | Videos

Low-Down-Payment Mortgage For First-Time Homebuyers

ByGustan Cho Posted onMarch 4, 2025March 5, 2025

Low Down Payment Mortgage: First-Time Homebuyer’s Guide to Homeownership Can You Buy a Home With Little to No Down Payment?…

Continue Reading Low-Down-Payment Mortgage For First-Time HomebuyersContinue

Commercial Loans in Chicago
Videos | Commercial Loans | Investment Homes | SBA Loans

Commercial Loans in Chicago – No Docs, Fast Approval!

ByGustan Cho Posted onMarch 3, 2025March 4, 2025

Commercial Loans in Chicago: Get Approved Fast with Gustan Cho Associates Are you looking for commercial loans in Chicago but…

Continue Reading Commercial Loans in Chicago – No Docs, Fast Approval!Continue

Re-Establishing Credit During Waiting Period
Bad Credit Mortgages | Bankruptcy | Re-Establishing Credit

Re-Establishing Credit During Waiting Period

ByGustan Cho Posted onFebruary 25, 2025February 27, 2025

Re-Establishing Credit During Waiting Period: How to Boost Your Credit and Get a Mortgage Life happens. Job loss, medical emergencies,…

Continue Reading Re-Establishing Credit During Waiting PeriodContinue

Conforming Loans After Bankruptcy and Foreclosure
Bankruptcy | Mortgage After Bankruptcy and Foreclosure | video

Conforming Loans After Bankruptcy and Foreclosure

ByGustan Cho Posted onFebruary 25, 2025February 27, 2025

Conforming Loans After Bankruptcy and Foreclosure: How to Get Approved If you’ve gone through bankruptcy or foreclosure, you might think…

Continue Reading Conforming Loans After Bankruptcy and ForeclosureContinue

Mortgage Process After the Conditional Approval
Clear To Close | Conditional Loan Approval | Mortgage Processing And Underwriting | Videos

Mortgage Process After The Conditional Approval

ByGustan Cho Posted onFebruary 24, 2025July 29, 2025

The Mortgage Process After the Conditional Approval: What Happens Next? The mortgage process after the conditional approval is one of…

Continue Reading Mortgage Process After The Conditional ApprovalContinue

Mortgage Rates On Bad Credit Loans
Bad Credit Mortgages | Credit Scores | Mortgage Rates | Videos

Mortgage Rates on Bad Credit Loans With Low Credit Scores

ByGustan Cho Posted onFebruary 24, 2025August 27, 2025

Securing a mortgage with bad credit or a low credit score may be difficult, but it is still achievable. While…

Continue Reading Mortgage Rates on Bad Credit Loans With Low Credit ScoresContinue

Conventional Loan Collection Accounts Guidelines
Collection Accounts | Conventional Loans | Videos

Conventional Loan Collection Accounts Guidelines

ByGustan Cho Posted onFebruary 18, 2025April 7, 2025

Conventional Loan Collection Accounts Guidelines: 2025 Updates If you have collection accounts on your credit report and want to buy…

Continue Reading Conventional Loan Collection Accounts GuidelinesContinue

Mortgage Charge Offs Lending Guidelines
Bad Credit Mortgages | Charge Off Accounts | Credit Disputes | Videos

Mortgage Charge Offs Lending Guidelines And Requirements

ByAlex Carlucci Posted onFebruary 18, 2025February 19, 2025

Mortgage Charge Offs Lending Guidelines: Your Guide to Homeownership in 2025 Have you experienced a mortgage charge off and need…

Continue Reading Mortgage Charge Offs Lending Guidelines And RequirementsContinue

FHA Loan During Chapter 13 Bankruptcy in Arizona
FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

FHA Loan During Chapter 13 Bankruptcy in Arizona

ByGustan Cho Posted onFebruary 12, 2025March 11, 2025

FHA Loan During Chapter 13 Bankruptcy in Arizona: How to Get Approved in 2025 Buying a home while navigating Chapter…

Continue Reading FHA Loan During Chapter 13 Bankruptcy in ArizonaContinue

How Student Loans Affect Qualifying For Mortgage
Student Loans | Videos

How Student Loans Affect Qualifying For Mortgage

ByGustan Cho Posted onFebruary 10, 2025July 11, 2025

This article is about how student loans affect qualifying for mortgage. Two types of debts are the biggest hurdles most…

Continue Reading How Student Loans Affect Qualifying For MortgageContinue

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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

  • Increase Credit Scores Before Applying For Mortgage
    Increase Credit Scores Before Applying For MortgageOctober 18, 2025
  • Documents Required For Mortgage
    Documents Required For Mortgage Processing and UnderwritingOctober 17, 2025
  • Boise Idaho Housing Market
    Boise Idaho Housing Market: Urgent Trends You NeedOctober 16, 2025
  • Green Mortgage
    Green Mortgage: A Guide to Energy-Efficient Home FinancingOctober 15, 2025

DTI Calculators

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  • Jumbo DTI Calculator
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Subsidiary Sites

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Resources

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  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
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  • Contribute To GCA Mortgage Group
  • GCA Approves When Others Can’t
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  • How to Lift a Security Freeze on Your Credit Report
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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