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Gustan Cho Associates
  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
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    • 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
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    • How to Get DACA Mortgage Loans Without the Stress
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      • Conventional Loans W-2 Income ONLY Mortgages
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    • Condotel Financing
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      • 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
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  • CareersExpand
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Call or Text: (800) 900-8569

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VA Loans

Home / VA Loans
Understanding VA Mortgage Rates
VA Loans | Mortgage Lender Overlays | Mortgage Rates | Videos

Understanding VA Mortgage Rates And LLPA

ByGustan Cho Posted onJuly 1, 2025July 2, 2025

This Article Is About Understanding VA Mortgage Rates And Loan Level Pricing Adjustments VA loans are the best home mortgage…

Continue Reading Understanding VA Mortgage Rates And LLPAContinue

DTI Manual Underwriting Guidelines
Manual Underwriting | Compensating Factors | FHA Loans | High Debt To Income Ratio | VA Loans | Verification Of Rent | Videos

DTI Manual Underwriting Guidelines on FHA and VA Loans

ByAlex Carlucci Posted onJuly 1, 2025July 2, 2025

Understanding DTI Manual Underwriting Guidelines for FHA, VA, Non-QM, and Alternative Loans (2025 Update) Debt-to-income (DTI) manual underwriting guidelines are…

Continue Reading DTI Manual Underwriting Guidelines on FHA and VA LoansContinue

Mortgage Guidelines After High School
Income And Employment | FHA Loans | Student Loans | USDA Loans | VA Loans | Videos

Mortgage Guidelines After High School Without Experience

ByAnngelli Abenes Posted onJune 27, 2025June 30, 2025

Mortgage Guidelines After High School: How to Qualify for a Home Loan Buying a home is a big dream for…

Continue Reading Mortgage Guidelines After High School Without ExperienceContinue

Credit Requirements
Home Mortgages | Conventional Loans | Credit Scores | FHA Loans | NON-QM Loans | VA Loans

Credit Requirements Needed To Get Approved For A Mortgage

ByAlex Carlucci Posted onJune 20, 2025June 23, 2025

Credit Requirements: What You Need to Know to Get a Mortgage If you’re planning to buy a home, one of…

Continue Reading Credit Requirements Needed To Get Approved For A MortgageContinue

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, 2025March 21, 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

How To Improve Credit To Qualify for VA Loans
VA Loans

How To Improve Credit To Qualify For VA Loans

ByGustan Cho Posted onMarch 18, 2025March 19, 2025

How to Improve Credit to Qualify for VA Loans (2025 Update) Buying a home with a VA loan is an…

Continue Reading How To Improve Credit To Qualify For VA LoansContinue

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

Purpose of VA Loans
VA Loans

Purpose Of VA Loans Is To Promote Home Ownership To Veterans

ByGustan Cho Posted onMarch 7, 2025April 8, 2025

The purpose of VA Loans is to promote homeownership to members of the U.S. Military who served in the U.S….

Continue Reading Purpose Of VA Loans Is To Promote Home Ownership To VeteransContinue

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

Cashback at Closing on VA Loans
VA Loans | Videos

Cashback at Closing on VA Loans Mortgage Lending Guidelines

ByAnngelli Abenes Posted onFebruary 17, 2025April 24, 2025

Can you get cashback at closing on VA loans? If you’re a veteran or active-duty service member buying a home…

Continue Reading Cashback at Closing on VA Loans Mortgage Lending GuidelinesContinue

Best Mortgage Loan for Buying a House
FHA Loans | Home Mortgages | NON-QM Loans | USDA Loans | VA Loans

What Is The Best Mortgage Loan For Buying A House?

ByGustan Cho Posted onFebruary 10, 2025February 11, 2025

What Is the Best Mortgage Loan for Buying a House? If you plan to buy a house, you probably wonder:…

Continue Reading What Is The Best Mortgage Loan For Buying A House?Continue

Story Of A Veteran
VA Loans

Story of a Veteran Who Served in the U.S. Military

ByAlex Carlucci Posted onFebruary 8, 2025February 10, 2025

This article is about the story of a veteran who served in the U.S. military. A decorated Vietnam veteran and…

Continue Reading Story of a Veteran Who Served in the U.S. MilitaryContinue

VA DTI Manual Underwriting Guidelines
VA Loans | Manual Underwriting | Videos

VA DTI Manual Underwriting Guidelines on VA Loans

ByGustan Cho Posted onFebruary 3, 2025June 27, 2025

VA DTI Manual Underwriting Guidelines: How to Qualify for a VA Loan with High DTI in 2025 For veterans or…

Continue Reading VA DTI Manual Underwriting Guidelines on VA LoansContinue

Mortgage Calculator in New Mexico
FHA Loans | USDA Loans | VA Loans | video

Save Over $10K Using a Mortgage Calculator in New Mexico

ByAnngelli Abenes Posted onJanuary 20, 2025January 21, 2025

Save Over $10K Using a Mortgage Calculator in New Mexico in 2025 Are you dreaming of owning your first home…

Continue Reading Save Over $10K Using a Mortgage Calculator in New MexicoContinue

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

Manual Underwriting During Chapter 13 Mortgage Process

ByGustan Cho Posted onDecember 19, 2024December 26, 2024

In this article, we will discuss and cover manual underwriting during Chapter 13 mortgage process. Homebuyers can qualify for an…

Continue Reading Manual Underwriting During Chapter 13 Mortgage ProcessContinue

Mortgage with High DTI
High Debt To Income Ratio | Conventional Loans | FHA Loans | USDA Loans | VA Loans | Videos

Mortgage With High DTI Guidelines On Home Loans

ByGustan Cho Posted onDecember 18, 2024April 7, 2025

Mortgage with High DTI: Your Guide to Home Loans in 2024 In 2024, the world of home loans is changing….

Continue Reading Mortgage With High DTI Guidelines On Home LoansContinue

Home Loan With Bad Credit Ohio
Bad Credit Mortgages | Bankruptcy | FHA Loans | NON-QM Loans | USDA Loans | VA Loans | Videos

Home Loan With Bad Credit Ohio Mortgage Options

ByAlex Carlucci Posted onDecember 9, 2024April 7, 2025

Home Loan With Bad Credit Ohio: Your 2024 Guide to Buying a Home Owning a home is a dream for…

Continue Reading Home Loan With Bad Credit Ohio Mortgage OptionsContinue

Home Loan with Bad Credit in Iowa
Bad Credit Mortgages | Credit Scores | FHA Loans | Home Mortgages | Home Purchase | NON-QM Loans | USDA Loans | VA Loans

Home Loan With Bad Credit In Iowa With Competitive Rates

ByDale Elenteny Posted onDecember 9, 2024December 12, 2024

Home Loan With Bad Credit in Iowa: Your Complete Guide for 2024 Don’t lose hope if you have bad credit…

Continue Reading Home Loan With Bad Credit In Iowa With Competitive RatesContinue

Best Mortgage Lenders After Bankruptcy
Bad Credit Mortgages | FHA Loans | Mortgage After Bankruptcy and Foreclosure | VA Loans

Best Mortgage Lenders After Bankruptcy | Lenient Guidelines

ByGustan Cho Posted onNovember 22, 2024May 14, 2025

The Best Mortgage Lenders After Bankruptcy: Your Path to Homeownership in 2024 Buying a home might feel like a far-off…

Continue Reading Best Mortgage Lenders After Bankruptcy | Lenient GuidelinesContinue

Common VA Overlays
Mortgage Lender Overlays | VA Loans | video

Common VA Overlays By Lenders Versus Agency Mortgage Guidelines

ByGustan Cho Posted onNovember 18, 2024May 15, 2025

Common VA Overlays: What You Need to Know for 2024 When it comes to VA loans, borrowers often need more…

Continue Reading Common VA Overlays By Lenders Versus Agency Mortgage GuidelinesContinue

7 VA Loan Myths Veterans Need To Know
VA Loans | Videos

7 VA Loan Myths Veterans Need To Know

ByAlex Carlucci Posted onNovember 14, 2024May 15, 2025

7 VA Loan Myths Veterans Need to Know in 2024 For veterans or active-duty service members, the VA loan benefit…

Continue Reading 7 VA Loan Myths Veterans Need To KnowContinue

VA Loans With High Debt-To-Income Ratio
VA Loans | Bad Credit Mortgages | High Debt To Income Ratio | Videos

VA Loans With High Debt-To-Income Ratio Mortgage Guidelines

ByGustan Cho Posted onNovember 13, 2024May 19, 2025

VA Loans with High Debt-to-Income Ratio: A 2024 Guide for Veterans Are you a Veteran worried about your high debt-to-income…

Continue Reading VA Loans With High Debt-To-Income Ratio Mortgage GuidelinesContinue

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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

  • Conforming Versus FHA Mortgage
    Conforming Versus FHA Mortgage Guidelines and BenefitsJuly 3, 2025
  • Short Sale Versus Foreclosure
    Short Sale Versus Foreclosure Mortgage GuidelinesJuly 3, 2025
  • 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

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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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