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Gustan Cho Associates
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    • Contact Us
    • Get Pre-Approved
    • Order Credit
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    • 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
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
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      • Chapter 13 Bankruptcy Cash-Out-Buyout
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      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines
      • FHA Loans For Bad Credit
      • FHA Collections
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      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
      • FHA Loan With Judgment
    • VA Home LoansExpand
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      • 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 LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
    • Commercial Loans
  • CareersExpand
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    • Career OpportunitiesExpand
      • Training a New Mortgage Loan Officer Without Any Experience
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FHA Jumbo Loans While In The Chapter 13 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Videos

FHA Jumbo Loans While In The Chapter 13 Bankruptcy

ByGustan Cho Posted onJune 21, 2022July 23, 2024

In this blog, we will cover and discuss qualifying for FHA jumbo loans while in the Chapter 13 Bankruptcy repayment…

Continue Reading FHA Jumbo Loans While In The Chapter 13 BankruptcyContinue

Home Loans in Virginia
Bad Credit Mortgages | Videos

Home Loans in Virginia For Bad Credit and 550 FICO Scores

ByDale Elenteny Posted onJune 13, 2022October 8, 2024

Homebuyers have many mortgage options when looking for home loans in Virginia for bad credit and low credit scores. The…

Continue Reading Home Loans in Virginia For Bad Credit and 550 FICO ScoresContinue

Illinois Home Purchase Down Payment Requirements
First Time Home Buyers

Illinois Home Purchase Mortgage Options Guide

ByAlex Carlucci Posted onJune 11, 2022April 3, 2025

In this blog, we will cover and discuss Illinois home purchase mortgage options for homebuyers. Going through the home purchase…

Continue Reading Illinois Home Purchase Mortgage Options GuideContinue

Mortgage Denial For Late Payments During Chapter 13 Plan
Mortgage After Bankruptcy and Foreclosure | Videos

Mortgage Denial For Late Payments During Chapter 13 Plan

ByAlex Carlucci Posted onMay 14, 2022October 8, 2024

In this blog, we will cover and discuss qualifying for a mortgage with new lenders after getting mortgage denial for…

Continue Reading Mortgage Denial For Late Payments During Chapter 13 PlanContinue

FHA Loan Denied For Low Credit Scores in Ohio | AUS Approval
Bad Credit Mortgages | FHA Loans | Videos

FHA Loan Denied For Low Credit Scores in Ohio | AUS Approval

ByGustan Cho Posted onMay 14, 2022February 10, 2025

In this article, we will cover and discuss the options homebuyers have after they got an FHA loan denied for…

Continue Reading FHA Loan Denied For Low Credit Scores in Ohio | AUS ApprovalContinue

How Do Underwriters Approve Mortgage Loans For Borrowers
Mortgage Processing And Underwriting | Videos

How Do Underwriters Approve Mortgage Loans For Borrowers

ByGustan Cho Posted onMarch 4, 2022July 22, 2024

In this blog, we will discuss and cover how do underwriters approve mortgage loans when analyzing and processing borrowers. Mortgage…

Continue Reading How Do Underwriters Approve Mortgage Loans For BorrowersContinue

Recorded Date In Foreclosure
Videos | Mortgage After Bankruptcy and Foreclosure

Recorded Date In Foreclosure Versus Surrender Date Of Home

ByDale Elenteny Posted onMarch 1, 2022October 9, 2024

In this blog, we will discuss and cover the recorded date in foreclosure versus the surrender date of the home….

Continue Reading Recorded Date In Foreclosure Versus Surrender Date Of HomeContinue

Teamwork At The Gustan Cho Team And Healthy Competition
Career Opportunities/Loan Officer Training

Teamwork at The Gustan Cho Team at Gustan Cho Associates

ByAlex Carlucci Posted onFebruary 19, 2022October 8, 2024

In this blog, we will cover and discuss the teamwork at The Gustan Cho Team at Gustan Cho Associates. All…

Continue Reading Teamwork at The Gustan Cho Team at Gustan Cho AssociatesContinue

HUD guidelines on deferred student loans
Student Loans | Videos

HUD Guidelines On Student Loans Versus Other Mortgage Programs

ByGustan Cho Posted onFebruary 9, 2022October 9, 2024

In this blog, we will discuss and cover HUD guidelines on student loans versus other mortgage programs. The Federal Housing…

Continue Reading HUD Guidelines On Student Loans Versus Other Mortgage ProgramsContinue

Merry Christmas From Gustan Cho Associates Mortgage
Bad Credit Mortgages

Merry Christmas From Gustan Cho Associates Mortgage

ByAlex Carlucci Posted onDecember 24, 2021October 8, 2024

Gustan Cho Associates like to thank and wish all of our clients, viewers, and partners a very Merry Christmas from…

Continue Reading Merry Christmas From Gustan Cho Associates MortgageContinue

Washington VA Loan Requirements
VA Loans

Washington VA Loan Requirements With No Overlays On VA Loans

ByAlex Carlucci Posted onDecember 16, 2021July 22, 2024

Eligible active duty and retired veterans meeting the minimum Washington VA loan requirements can qualify for VA loans with no…

Continue Reading Washington VA Loan Requirements With No Overlays On VA LoansContinue

Recommended Lender By Realtors Due To Its No Lender Overlays Policy
Videos | Mortgage Lender Overlays

Recommended Lender By Realtors Due To Its No Lender Overlays Policy

ByMike Gracz Posted onNovember 5, 2021July 25, 2025

This Article Is About Recommended Lender By Realtors Due To Its No Lender Overlays Policy  In this article, we will…

Continue Reading Recommended Lender By Realtors Due To Its No Lender Overlays PolicyContinue

LLPA During Coronavirus Pandemic Mortgage Crisis
Headline News Archives | Videos

LLPA During Coronavirus Pandemic Mortgage Crisis

ByGustan Cho Posted onOctober 28, 2021July 3, 2025

This Breaking News Is About LLPA During Coronavirus Pandemic Mortgage Crisis. Understanding LLPA During Coronavirus Pandemic Mortgage Crisis. The coronavirus…

Continue Reading LLPA During Coronavirus Pandemic Mortgage CrisisContinue

VA Chapter 13 Mortgage Guidelines During COVID-19 Pandemic
Headline News Archives

VA Chapter 13 Mortgage Guidelines During COVID-19 Pandemic

ByMike Gracz Posted onSeptember 15, 2021January 22, 2025

VA Chapter 13 Mortgage Guidelines During COVID-19 Pandemic If you have been following Gustan Cho Associates, you know that we…

Continue Reading VA Chapter 13 Mortgage Guidelines During COVID-19 PandemicContinue

Conventional Loans After Chapter 13 Versus Chapter 7 Bankruptcy (1)
Conventional Loans | Videos

Conventional Loans After Chapter 13 Versus Chapter 7 Bankruptcy

ByGustan Cho Posted onSeptember 11, 2021March 11, 2025

What Are The Waiting Period Requirements On Conventional Versus FHA Loans On Chapter 13 Bankruptcy? There is no waiting period requirements after Chapter 13 Bankruptcy discharged date on FHA loans but Conventional loans require a two-year waiting period.

Continue Reading Conventional Loans After Chapter 13 Versus Chapter 7 BankruptcyContinue

Buy A Home If I Do Not Have The Down Payment
Videos

How To Buy A Home If I Do Not Have The Down Payment

ByGustan Cho Posted onAugust 31, 2021August 22, 2025

This Article Is About How To Buy A Home If I Do Not Have The Down Payment How To Buy…

Continue Reading How To Buy A Home If I Do Not Have The Down PaymentContinue

Steps In Buying A House And Getting Qualified For Mortgage
Home Purchase | Videos

Steps In Buying A House And Getting Qualified For Mortgage

ByGustan Cho Posted onAugust 30, 2021July 29, 2025

This Article Is About Steps In Buying A House And Getting Qualified For A Mortgage Buying a home can be…

Continue Reading Steps In Buying A House And Getting Qualified For MortgageContinue

Conventional loan with low credit scores
Conventional Loans | Videos

Myths And Truths About Conventional Loans Versus FHA Mortgages

ByGustan Cho Posted onAugust 28, 2021January 22, 2025

This Article Is About Myths And Truths About Conventional Loans Versus FHA Mortgages What do you believe is the most…

Continue Reading Myths And Truths About Conventional Loans Versus FHA MortgagesContinue

Documents Required By Lenders To Close Mortgage On Time
Mortgage Processing And Underwriting | Videos

Documents Required By Lenders To Close Mortgage On Time

ByAlex Carlucci Posted onAugust 26, 2021August 22, 2025

This Article Is About Documents Required By Lenders To Close Mortgage On Time Most people dread the thought of providing…

Continue Reading Documents Required By Lenders To Close Mortgage On TimeContinue

Changes In Mortgage Lending And Guidelines And How It Affects Buyers
Home Mortgages

Changes In Mortgage Lending And Guidelines And How It Affects Buyers

ByGustan Cho Posted onAugust 25, 2021March 20, 2024

This Article Is About Changes In Mortgage Lending And Guidelines And How It Affects Buyers 2021 has come and is…

Continue Reading Changes In Mortgage Lending And Guidelines And How It Affects BuyersContinue

FHA Automated Findings With Low Credit Scores And High DTI
Videos | Automated Underwriting System

FHA Automated Findings With Low Credit Scores And High DTI

ByGustan Cho Posted onAugust 17, 2021July 29, 2025

This Article Is About FHA Automated Findings With Low Credit Scores And High DTI  It will be much more difficult…

Continue Reading FHA Automated Findings With Low Credit Scores And High DTIContinue

Mortgage Rates Are Still At Historic Lows On Purchase And Refinance
Mortgage Rates | Videos

Mortgage Rates Are Still At Historic Lows On Purchase And Refinance

ByGustan Cho Posted onJuly 21, 2021January 14, 2025

This Article Is About Mortgage Rates Are Still At Historic Lows On Purchase And Refinance: The Dow Jones Industrials have…

Continue Reading Mortgage Rates Are Still At Historic Lows On Purchase And RefinanceContinue

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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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  • Conforming Loan Limit Change – See If You Qualify

Subsidiary Sites

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Resources

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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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