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Gustan Cho Associates
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    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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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

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

SOuth Dakota FHA Lenders for Under 600 FICO
FHA Loans | Videos

South Dakota FHA Lenders For Under 600 FICO With Collections

ByGustan Cho Posted onFebruary 7, 2025July 29, 2025

South Dakota FHA Lenders for Under 600 FICO: How to Get Approved for a Mortgage in 2025 Are you looking…

Continue Reading South Dakota FHA Lenders For Under 600 FICO With CollectionsContinue

FHA Mortgage Guidelines on Collection Accounts
Collection Accounts | Bad Credit Mortgages | Videos

FHA Mortgage Guidelines on Collection Accounts

ByGustan Cho Posted onJanuary 31, 2025April 22, 2025

FHA Mortgage Guidelines on Collection Accounts: How to Qualify for a Home Loan in 2025 Buying a home with collection…

Continue Reading FHA Mortgage Guidelines on Collection AccountsContinue

1099-Income Versus W-2 Income
Income And Employment | No-Ratio Mortgage Loans | NON-QM Loans | Qualifying & Getting Pre-approved | Videos

1099-Income Versus W-2 Income Mortgage Guidelines

ByGustan Cho Posted onJanuary 29, 2025January 30, 2025

1099-Income Versus W-2 Income: How It Affects Your Mortgage Approval When applying for a mortgage, the type of income you…

Continue Reading 1099-Income Versus W-2 Income Mortgage GuidelinesContinue

Fannie Mae Guidelines On Second Homes
Second Homes | Conventional Loans | First Time Home Buyers | Videos

Fannie Mae Guidelines on Second Homes: What to Know

ByGustan Cho Posted onJanuary 28, 2025January 30, 2025

Fannie Mae Guidelines on Second Homes: What You Need to Know in 2025 Thinking about buying a second home? Here’s…

Continue Reading Fannie Mae Guidelines on Second Homes: What to KnowContinue

Does Co-Signing Affect in Buying Home
Non-Occupant Co-Borrowers | Home Mortgages | Real Estate Topic | Videos

Does Co-Signing Affect In Buying Home In The Future

ByGustan Cho Posted onJanuary 27, 2025January 30, 2025

Does Co-Signing Affect In Buying Home? Understanding How Co-Signing a Loan Impacts Your Future Have you ever considered co-signing a…

Continue Reading Does Co-Signing Affect In Buying Home In The FutureContinue

Housing Economic Outlook
Headline News Archives

Housing Economic Outlook and How It Impacts Homebuyers

ByAlex Carlucci Posted onJanuary 26, 2025January 27, 2025

Housing Economic Outlook and how it impacts Homebuyers (Updated January 26, 2025) Introduction Housing Economic Outlook: Market activity at the…

Continue Reading Housing Economic Outlook and How It Impacts HomebuyersContinue

Buying Home Near Railroad Tracks
Home Purchase | Home Mortgages | Home Sellers | Real Estate Topic | Videos

Resale Value of Buying Home Near Railroad Tracks

ByGustan Cho Posted onJanuary 24, 2025January 27, 2025

Buying Home Near Railroad Tracks: Bargain or Bad Investment in 2025? Buying a home near railroad tracks can stir up…

Continue Reading Resale Value of Buying Home Near Railroad TracksContinue

Lenders for Best Rates
Videos | Headline News Archives

Gustan Cho Associates: The Lenders for Best Rates

ByAlex Carlucci Posted onJanuary 22, 2025February 28, 2025

This guide covers lenders for best rates. We have seen high interest rates and skyrocketing mortgage rates. Still to this…

Continue Reading Gustan Cho Associates: The Lenders for Best RatesContinue

Owner-Occupant Multi-Family Mortgage Guidelines
Muti-Family Investment | Non-Occupant Co-Borrowers | Videos

Owner-Occupant Multi-Family Mortgage Guidelines

ByGustan Cho Posted onJanuary 22, 2025January 23, 2025

Updated Owner-Occupant Multi-Family Mortgage Guidelines for 2025 Are you dreaming of owning a home while earning rental income to help…

Continue Reading Owner-Occupant Multi-Family Mortgage GuidelinesContinue

Reaffirming Debts After Bankruptcy
Mortgage After Bankruptcy and Foreclosure | Videos

Reaffirming Debts After Bankruptcy

ByGustan Cho Posted onJanuary 21, 2025May 5, 2025

Reaffirming Debts After Bankruptcy: A Complete Guide for Borrowers in 2025 Filing for bankruptcy can feel like a major setback,…

Continue Reading Reaffirming Debts After BankruptcyContinue

Major Changes In FHA Guidelines
FHA Loans | Videos

Major Changes In FHA Guidelines HUD 4000.1 Handbook

ByGustan Cho Posted onJanuary 17, 2025January 19, 2025

This guide will delve into the major changes in FHA guidelines, specifically the HUD 4000.1 Handbook, which may have implications…

Continue Reading Major Changes In FHA Guidelines HUD 4000.1 HandbookContinue

IHDA Mortgage Guidelines on Illinois Home Purchase
Home Purchase | Down Payment Assistance | First Time Home Buyers | Videos

IHDA Mortgage Guidelines on Illinois Home Purchase

ByAlex Carlucci Posted onJanuary 17, 2025January 19, 2025

In this blog, we will cover and discuss IHDA mortgage guidelines on Illinois home purchases. The Illinois Housing Development Authority…

Continue Reading IHDA Mortgage Guidelines on Illinois Home PurchaseContinue

Buying Townhouse Versus Single-Family Homes
Condominium Loans | Home Purchase | Real Estate Topic | Town House | Videos

Buying Townhouse Versus Single-Family Homes

ByAlex Carlucci Posted onJanuary 15, 2025January 20, 2025

More and more homebuyers are gravitating towards a townhome purchase versus a single-family home during today’s booming housing market

Continue Reading Buying Townhouse Versus Single-Family HomesContinue

Mortgage Process Timeline
Mortgage Processing And Underwriting | Videos

Mortgage Process Timeline From Application To Closing

ByGustan Cho Posted onJanuary 14, 2025January 14, 2025

Understanding the Mortgage Process Timeline: Your Step-by-Step Guide to Getting a Mortgage in 2025 Buying or refinancing your mortgage can…

Continue Reading Mortgage Process Timeline From Application To ClosingContinue

FHA Back to Work Mortgage
FHA Loans | Headline News Archives | Mortgage After Bankruptcy and Foreclosure | NON-QM Loans | Videos

FHA Back To Work Mortgage Waives Bankruptcy and Foreclosure

ByAlex Carlucci Posted onJanuary 14, 2025July 29, 2025

This guide covers the ill-fated HUD’s FHA Back to Work Mortgage. The FHA Back to Work Mortgage no longer exists….

Continue Reading FHA Back To Work Mortgage Waives Bankruptcy and ForeclosureContinue

QM-Qualified Mortgages
Home Mortgages | NON-QM Loans | Videos

What Are QM-Qualified Mortgages Versus Non-QM Loans

ByAlex Carlucci Posted onJanuary 14, 2025January 20, 2025

Understanding QM-Qualified Mortgages: What Borrowers Need to Know in 2025 If you’re thinking about buying a home or refinancing, chances…

Continue Reading What Are QM-Qualified Mortgages Versus Non-QM LoansContinue

Mortgage Approval Without Retracting Credit Disputes
Credit Disputes | Credit Scores | Re-Establishing Credit | Videos

Mortgage Approval Without Retracting Credit Disputes

ByAlex Carlucci Posted onJanuary 13, 2025January 14, 2025

Mortgage Approval Without Retracting Credit Disputes: A Complete Guide for 2024 and Beyond If you’re worried about how credit disputes…

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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

  • FHA DTI Calculator
  • VA DTI Calculator
  • Conventional DTI Calculator
  • 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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  • How To Reach A Human At The Credit Bureaus
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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 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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