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How to Get the Lowest Mortgage Rates
Bad Credit Mortgages

How To Get The Lowest Mortgage Rates on Home Loans

ByAlex Carlucci Posted onJuly 2, 2025July 3, 2025

This guide covers how to get the lowest mortgage rates on home loans. Mortgage loan officers who have been in…

Continue Reading How To Get The Lowest Mortgage Rates on Home LoansContinue

Foreclosure In Mortgage Qualification
Mortgage After Bankruptcy and Foreclosure

Foreclosure In Mortgage Qualification Lending Guidelines

ByJohn Strange Posted onJuly 2, 2025July 3, 2025

This guide covers foreclosure in mortgage qualification lending guidelines. We will thoroughly discuss the waiting period requirements when there is…

Continue Reading Foreclosure In Mortgage Qualification Lending GuidelinesContinue

How Do I Qualify For A Conventional Loan
Conventional Loans

How Do I Qualify For A Conventional Loan

ByMargarett Jurilla Posted onJuly 2, 2025July 3, 2025

This guide covers homebuyers’ frequently asked questions about how do I qualify for a conventional loan. A conventional loan is…

Continue Reading How Do I Qualify For A Conventional LoanContinue

Mortgage Rates Rise
Mortgage Rates

Mortgage Rates Rise For 7 Continuous Weeks

ByAlex Carlucci Posted onJuly 2, 2025July 3, 2025

This guide will cover the rise in mortgage rates for seven consecutive weeks with no sign of a correction. Mortgage…

Continue Reading Mortgage Rates Rise For 7 Continuous WeeksContinue

Mortgage Rate Adjustments For High Risk Borrowers
Bad Credit Mortgages

Mortgage Rate Adjustments For Higher Risk Borrowers

ByGustan Cho Posted onJuly 2, 2025July 3, 2025

This guide covers mortgage rate adjustments (LLPAs) for higher-risk borrowers. The lower your credit scores, the higher your mortgage rates….

Continue Reading Mortgage Rate Adjustments For Higher Risk BorrowersContinue

Funds required for first-time home buyer on a home purchase
Home Purchase

Funds Required For First-Time Home Buyer on a Purchase

ByGustan Cho Posted onJuly 1, 2025July 2, 2025

This guide covers the funds required for first-time home buyer on a home purchase. Are you a first-time home buyer?…

Continue Reading Funds Required For First-Time Home Buyer on a PurchaseContinue

How Holidays Affects The Mortgage Process
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Regulations | Videos

How Holidays Affect The Mortgage Process and Closings

ByMargarett Jurilla Posted onJune 30, 2025July 1, 2025

How Holidays Affect the Mortgage Process: What Every Homebuyer Should Know Buying a home is one of the most significant…

Continue Reading How Holidays Affect The Mortgage Process and ClosingsContinue

Last-Minute Mortgage Denial
Mortgage Processing And Underwriting | Videos

Reasons For Last-Minute Mortgage Denial From Underwriters

ByGustan Cho Posted onJune 27, 2025June 30, 2025

There is no reason why a pre-approved borrower should ever get a last-minute mortgage denial by a mortgage underwriter. The main reason why borrowers get a last-minute mortgage

Continue Reading Reasons For Last-Minute Mortgage Denial From UnderwritersContinue

Mortgage Approval For Home Purchase on Acreage
Home Mortgages | Home Purchase | Real Estate Topic | Videos

Mortgage Approval For Home Purchase on Acreage

ByGustan Cho Posted onJune 27, 2025June 27, 2025

In this blog, we will cover and discuss qualifying and getting a mortgage approval for home purchase on acreage in…

Continue Reading Mortgage Approval For Home Purchase on AcreageContinue

Hard Money Lenders
Commercial Loans | Hard Money Loans | Videos

Simple Truth: What Are Hard Money Lenders and How They Help

ByGustan Cho Posted onMay 5, 2025May 9, 2025

What Are Hard Money Lenders? A Simple Guide for Real Estate Investors and Borrowers If you’ve been turned down by…

Continue Reading Simple Truth: What Are Hard Money Lenders and How They HelpContinue

Wholesale Mortgage Lenders for Non-Prime Loans
Home Mortgages | Bad Credit Mortgages

Best Wholesale Mortgage Lenders For Non-Prime Loans

ByApril Ramirez Posted onMay 5, 2025May 9, 2025

The Best Wholesale Mortgage Lenders for Non-Prime Loans: Your Complete Guide in 2025 Are you a borrower with less-than-perfect credit,…

Continue Reading Best Wholesale Mortgage Lenders For Non-Prime LoansContinue

Buying a Home With a Well and Septic
Home Purchase | Real Estate Topic | Videos

Easy Guide to Buying a Home with a Well and Septic

ByGustan Cho Posted onMarch 31, 2025April 1, 2025

Buying a home with a well and septic system can feel confusing, mainly if you’ve never dealt with private utilities…

Continue Reading Easy Guide to Buying a Home with a Well and SepticContinue

Non-QM Mortgage Guidelines
Bad Credit Mortgages

Denied a Loan? Non-QM Mortgage Guidelines Can Help

ByGustan Cho Posted onMarch 27, 2025March 31, 2025

Non-QM Mortgage Guidelines: Your Guide to Getting Approved in 2025 If you’ve been told you don’t qualify for a traditional…

Continue Reading Denied a Loan? Non-QM Mortgage Guidelines Can HelpContinue

Oceanfront Homes in Puerto Rico
Condominium Loans | Condotel and Non-Warrantable Condos | Conventional Loans | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Investing in Oceanfront Homes in Puerto Rico

ByApril Ramirez Posted onMarch 27, 2025March 31, 2025

The Ultimate Guide to Buying Oceanfront Homes in Puerto Rico (2025 Update) Picture starting your day with waves breaking against…

Continue Reading Investing in Oceanfront Homes in Puerto RicoContinue

Property Tax Homestead Exemption
Home Purchase | Property Taxes | Real Estate Topic | Videos

Property Tax Homestead Exemption For Homeowners in Florida

ByMargarett Jurilla Posted onMarch 27, 2025March 31, 2025

Property Tax Homestead Exemption: Your 2025 Guide to Lowering Your Tax Bill and Buying a Home If you’re a homeowner…

Continue Reading Property Tax Homestead Exemption For Homeowners in FloridaContinue

Preparing to Qualify for Conventional Loans
Home Mortgages | Conventional Loans | Student Loans | Videos

Preparing To Qualify For Conventional Loans

ByGustan Cho Posted onMarch 4, 2025March 5, 2025

Preparing to Qualify for Conventional Loans: Your Step-by-Step Guide to Homeownership Are you ready to buy a home but unsure…

Continue Reading Preparing To Qualify For Conventional LoansContinue

Hard Money :ending in Chicago
Commercial Loans | Hard Money Loans | Investment Homes | Real Estate Topic | Rental Income

Hard Money Lending in Chicago For Commercial Real Estate

ByJohn Strange Posted onMarch 1, 2025April 3, 2025

Hard Money Lending Chicago: Fast Financing for Real Estate Investors If you’re an investor looking to close quickly on a…

Continue Reading Hard Money Lending in Chicago For Commercial Real EstateContinue

FHA Condo Mortgage Guidelines
Condominium Loans | FHA Loans | Videos

FHA Condo Mortgage Guidelines: What You Must Know

ByAnngelli Abenes Posted onFebruary 19, 2025February 20, 2025

For many homebuyers, buying a condo can be an excellent option due to its combination of affordability, convenience, and a…

Continue Reading FHA Condo Mortgage Guidelines: What You Must KnowContinue

Fannie Mae Guidelines On Timeshare Foreclosure
Timeshare | Bankruptcy | Conventional Loans | Videos

Fannie Mae Guidelines On Timeshare Foreclosure

ByGustan Cho Posted onFebruary 18, 2025April 8, 2025

Fannie Mae Guidelines on Timeshare Foreclosure: What Borrowers Need to Know in 2025 Can you get a mortgage after a…

Continue Reading Fannie Mae Guidelines On Timeshare ForeclosureContinue

Refinancing During Chapter 13 Bankruptcy
FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Mortgage Refinance | VA Loans

Refinancing During Chapter 13 Bankruptcy Repayment

ByGustan Cho Posted onFebruary 17, 2025February 19, 2025

Is it Possible to Refinance During Chapter 13 Bankruptcy? Yes, refinancing during Chapter 13 bankruptcy is possible! Many homeowners think…

Continue Reading Refinancing During Chapter 13 Bankruptcy RepaymentContinue

Best Mortgage Lenders for Bad Credit in Hawaii
Bad Credit Mortgages | FHA Loans | High-Balance Mortgage Loans | Jumbo Loans | NON-QM Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Best Mortgage Lenders For Bad Credit in Hawaii

ByGustan Cho Posted onFebruary 10, 2025February 11, 2025

Best Mortgage Lenders for Bad Credit in Hawaii: Get Approved in 2025 If you have bad credit and want to…

Continue Reading Best Mortgage Lenders For Bad Credit in HawaiiContinue

Re-Building Credit After Foreclosure To Qualify For Home Loans
Bad Credit Mortgages

Re-Building Credit After Foreclosure

ByGustan Cho Posted onFebruary 7, 2025February 10, 2025

This guide covers re-building credit after foreclosure to qualify for home loans. A foreclosure can drop credit scores by at least…

Continue Reading Re-Building Credit After ForeclosureContinue

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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
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 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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