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Videos

Home / Videos - Page 11
Modular Homes
Conventional Loans | FHA Loans | Manufactured Homes | USDA Loans | VA Loans | Videos

Modular Homes Mortgage Guidelines For Homebuyers

ByGustan Cho Posted onFebruary 22, 2024August 6, 2024

This guide covers modular homes mortgage guidelines on purchase and refinance transactions. Modular homes are becoming more and more popular…

Continue Reading Modular Homes Mortgage Guidelines For HomebuyersContinue

Fannie Mae Chapter 13 Dismissal Guidelines
Mortgage After Bankruptcy and Foreclosure | Conventional Loans | Videos

Fannie Mae Chapter 13 Dismissal Guidelines

ByGustan Cho Posted onFebruary 21, 2024May 14, 2024

In this blog, we will cover the Fannie Mae Chapter 13 dismissal guidelines on conventional loans. One of the most…

Continue Reading Fannie Mae Chapter 13 Dismissal GuidelinesContinue

HUD Guidelines
Mortgage Lender Overlays | FHA Loans | Student Loans | Videos

HUD Guidelines versus Lender Overlays on FHA Loans

ByGustan Cho Posted onFebruary 20, 2024March 3, 2025

This guide covers HUD guidelines versus lender overlays on FHA loans. There have been notable changes for HUD guidelines versus…

Continue Reading HUD Guidelines versus Lender Overlays on FHA LoansContinue

Non-QM Loans and Non-Traditional Mortgages
No-Ratio Mortgage Loans | NON-QM Loans | Profit and Loss Statement Only Mortgages | Videos

Benefits of Non-QM Loans and Non-Traditional Mortgages

ByGustan Cho Posted onFebruary 16, 2024August 21, 2025

This guide outlines the advantages of Non-QM loans and Non-Traditional Mortgages. Gustan Cho Associates serves as your reliable ally for…

Continue Reading Benefits of Non-QM Loans and Non-Traditional MortgagesContinue

Buying Home In Mississippi With Bad Credit
Bad Credit Mortgages | Videos

Buying Home In Mississippi With Bad Credit and Low FICO

ByMargarett Jurilla Posted onFebruary 16, 2024August 6, 2024

Is Possible To Buying Home In Mississippi With Bad Credit With Lender With No Overlays? Yes, it is at Gustan Cho Associates. Gustan Cho Associates is a mortgage company licensed in Mississippi.

Continue Reading Buying Home In Mississippi With Bad Credit and Low FICOContinue

Mortgage Denied After Pre-Approval
Mortgage Processing And Underwriting

Mortgage Denied After Pre-Approval By Underwriters

ByMargarett Jurilla Posted onFebruary 13, 2024July 8, 2025

In this blog post, we will explore a tackle problem many borrowers face – Mortgage Denied After Pre-Approval. The landscape…

Continue Reading Mortgage Denied After Pre-Approval By UnderwritersContinue

Difference Between FHA And Conventional Mortgage
Home Mortgages | Conventional Loans | FHA Loans | Videos

Difference Between FHA and Conventional Mortgage Guidelines

ByGustan Cho Posted onFebruary 13, 2024August 5, 2024

This guide covers the difference between FHA and Conventional mortgage guidelines. Many homebuyers, especially first-time buyers shopping for homes often…

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Fannie Mae Multi-Family Mortgage
Home Mortgages | Muti-Family Investment | Rental Income | Videos

UPDATED 2-to-4 Unit Fannie Mae Multi-Family Mortgage

ByAlex Carlucci Posted onFebruary 13, 2024January 22, 2025

This manual addresses the modifications in down payment and self-sufficiency for multi-family properties designated as owner-occupant primary residences by the…

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Truth In Lending Disclosure During The Mortgage Process (1)
Home Purchase | Home Mortgages | Regulations | Videos

Truth in Lending Disclosure During The Mortgage Process

ByGustan Cho Posted onFebruary 12, 2024August 5, 2024

This guide covers the truth in lending disclosure during the mortgage process. Mortgage disclosures are required to be disclosed to…

Continue Reading Truth in Lending Disclosure During The Mortgage ProcessContinue

Buying House Near Airport
Home Purchase | Home Mortgages | Real Estate Topic | Selling Your Home | Videos

Benefits and Negatives of Buying House Near Airport

ByMargarett Jurilla Posted onFebruary 8, 2024July 29, 2025

  In this blog, we will cover and discuss buying house near airport. Homebuyers need to consider the benefits and…

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Avoiding Home Loan Denial During The Mortgage Process
Mortgage Processing And Underwriting | Mortgage Lender Overlays | Videos

Avoiding Home Loan Denial During The Mortgage Process

ByGustan Cho Posted onFebruary 5, 2024May 15, 2024

This guide covers avoiding home loan denial during the mortgage process. We will go deeply in giving our viewers tips…

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Manufactured Home Financing Requirements
Home Purchase | Manufactured Homes | Real Estate Topic | Videos

Manufactured Home Financing Requirements

ByGustan Cho Posted onFebruary 5, 2024April 7, 2025

This guide covers manufactured home financing requirements. Many home buyers of manufactured home financing have a difficult time getting it….

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Fannie Mae Guidelines on Community Property States
Home Mortgages | Conventional Loans | FHA Loans | High Debt To Income Ratio | Videos

Fannie Mae Guidelines on Community Property States

ByEric Jeanette Posted onFebruary 5, 2024April 9, 2025

This guide provides clear information about Fannie Mae’s rules for Community Property States, helping people looking for mortgage information. It…

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Mortgage After Unemployment
Gaps In Employment | Income And Employment | Videos

Mortgage After Unemployment With Job Gaps

ByGustan Cho Posted onFebruary 2, 2024July 8, 2025

This article will discuss and cover qualifying for a mortgage after unemployment. Homebuyers do not need a two-year employment history…

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FHA Guidelines on Manufactured Home Loans
FHA Loans | Manufactured Homes | Videos

FHA Guidelines on Manufactured Home Loans

ByGustan Cho Posted onFebruary 2, 2024February 22, 2024

This guide covers FHA Guidelines on Manufactured Home Loans. FHA Guidelines on manufactured home loans are released. HUD, the parent…

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Mortgage Guidelines on Defaulted Student Loans
Student Loans | Income And Employment | Videos

Mortgage Guidelines on Defaulted Student Loans

ByDale Elenteny Posted onFebruary 2, 2024August 21, 2025

Borrowers cannot qualify for a mortgage with defaulted federal student loans until the student loans are out of default.

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FHA DTI Ratios On Manual Underwrites
FHA Loans | Manual Underwriting | Videos

FHA DTI Ratios on Manual Underwrites Mortgage Guidelines

ByGustan Cho Posted onJanuary 30, 2024February 13, 2025

This article will delve into the mortgage guidelines for FHA DTI ratios on manual underwrites. The key distinction between manual…

Continue Reading FHA DTI Ratios on Manual Underwrites Mortgage GuidelinesContinue

HUD guidelines for gift funds
FHA Loans | Videos

HUD Guidelines For Gift Funds on FHA Loans

ByGustan Cho Posted onJanuary 29, 2024August 18, 2025

This article will delve into the HUD guidelines for gift funds in the context of home purchase transactions involving Federal…

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Chapter 13 Cash-Out Refinance Simplified Guidelines
Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Mortgage Processing And Underwriting | Videos

Chapter 13 Cash-Out Refinance Guidelines During Repayment

ByGustan Cho Posted onJanuary 25, 2024August 22, 2025

According to VA and HUD Chapter 13 cash-out refinance guidelines, homeowners may be eligible for a cash-out refinance on an…

Continue Reading Chapter 13 Cash-Out Refinance Guidelines During RepaymentContinue

Mortgage Rates On NON-QM Loans
Bank Statement Loans | Mortgage Rates | NON-QM Loans | Videos

Mortgage Rates on NON-QM Loans and No-Doc Mortgages

ByGustan Cho Posted onJanuary 20, 2024August 6, 2025

This guide covers mortgage rates on non-QM loans and no-doc mortgages. Current Home Mortgage Rates after the election of President…

Continue Reading Mortgage Rates on NON-QM Loans and No-Doc MortgagesContinue

Fannie Mae and HUD Guidelines
Collection Accounts | Conventional Loans | FHA Loans | Videos

Fannie Mae and HUD Guidelines on Conforming vs FHA Loans

ByGustan Cho Posted onJanuary 18, 2024August 6, 2024

This guide covers Fannie Mae and HUD Guidelines on conventional versus FHA loans. Fannie Mae and HUD guidelines on conventional…

Continue Reading Fannie Mae and HUD Guidelines on Conforming vs FHA LoansContinue

VA Guidelines on Seller Concessions
VA Loans

VA Guidelines on Seller Concessions To Cover Closing Costs

ByMike Gracz Posted onJanuary 18, 2024September 11, 2025

This guide covers VA guidelines on seller concessions to cover closing costs. VA loans is hands down the best mortgage…

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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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  • Jumbo DTI Calculator
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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 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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