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VA Loans

Home / VA Loans - Page 3
VA Refinance Guidelines
Mortgage Refinance | VA Loans

VA Refinance Guidelines For IRRRL and Cash-Out Refinance

ByAlex Carlucci Posted onJune 13, 2024April 8, 2025

VA Refinance Guidelines encompass two distinct mortgage processes: the VA streamline refinance (IRRRL), and the VA cash-out refinance. Gustan Cho…

Continue Reading VA Refinance Guidelines For IRRRL and Cash-Out RefinanceContinue

VA Loans Ohio
VA Loans | Bad Credit Mortgages | Mortgage Lender Overlays | Videos

VA Loans Ohio With Bad Credit And No Lender Overlays

ByGustan Cho Posted onJune 13, 2024August 30, 2024

This Article Is About VA Loans Ohio With Bad Credit And No Lender Overlays Ohio is one of the hottest…

Continue Reading VA Loans Ohio With Bad Credit And No Lender OverlaysContinue

VA Automated Findings
Automated Underwriting System | VA Loans | Videos

VA Automated Findings On Automated Underwriting System (AUS)

ByGustan Cho Posted onJune 13, 2024August 30, 2024

In this article, we will discuss and cover the VA automated findings on the automated underwriting systems (AUS). VA loans…

Continue Reading VA Automated Findings On Automated Underwriting System (AUS)Continue

VA Foreclosure Guidelines
Mortgage After Bankruptcy and Foreclosure | VA Loans | video

VA Foreclosure Guidelines In Qualifying For VA Home Loans

ByGustan Cho Posted onJune 12, 2024August 30, 2024

In this article, we will cover and discuss VA  foreclosure guidelines in qualifying for VA loans. VA Foreclosure Guidelines require…

Continue Reading VA Foreclosure Guidelines In Qualifying For VA Home LoansContinue

VA Guidelines Versus Overlays
VA Loans | Videos

VA Guidelines Versus Overlays on VA Home Loans

ByAlex Carlucci Posted onJune 12, 2024August 30, 2024

This blog will discuss and cover VA Guidelines Versus Overlays on VA loans. Not all mortgage lenders have the same…

Continue Reading VA Guidelines Versus Overlays on VA Home LoansContinue

VA Chapter 13 Bankruptcy Buy-Out
VA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Videos

VA Chapter 13 Bankruptcy Buy-Out Cash-Out Refinance

ByAlex Carlucci Posted onJune 12, 2024August 30, 2024

This article will discuss the buy-out cash-out refinance option for VA Chapter 13 Bankruptcy. A VA Chapter 13 Bankruptcy buy-out…

Continue Reading VA Chapter 13 Bankruptcy Buy-Out Cash-Out RefinanceContinue

Colorado VA Lenders
Videos | Bad Credit Mortgages | Mortgage Lender Overlays | VA Loans

Colorado VA Lenders For Bad Credit With No Lender Overlays

ByMike Gracz Posted onJune 10, 2024August 30, 2024

In this article, we will cover and discuss qualifying for a VA loan with low credit scores with Colorado VA…

Continue Reading Colorado VA Lenders For Bad Credit With No Lender OverlaysContinue

VA Loan Denial
Mortgage Lender Overlays | VA Loans | video

VA Loan Denial And Qualifying With Lender With No Overlays

ByGustan Cho Posted onJune 10, 2024August 30, 2024

This Article Is About VA Loan Denial And Getting Qualified With Lender With No Overlays There should be no reason why…

Continue Reading VA Loan Denial And Qualifying With Lender With No OverlaysContinue

VA Loans With Under 620 Credit Scores
VA Loans | Credit Scores | Videos

VA Loans With Under 620 Credit Scores Guidelines

ByGustan Cho Posted onJune 4, 2024January 31, 2025

In this article, we will discuss and explain the guidelines for VA loans with under 620 credit scores. VA loans…

Continue Reading VA Loans With Under 620 Credit Scores GuidelinesContinue

FHA Loans vs VA Loans
Bad Credit Mortgages | FHA Loans | VA Loans | Videos

FHA Loans vs VA Loans: Comparing Mortgage Options

ByAlex Carlucci Posted onMay 29, 2024June 4, 2024

In this article, we will be comparing FHA loans vs VA loans. VA loans by far are the best mortgage…

Continue Reading FHA Loans vs VA Loans: Comparing Mortgage OptionsContinue

Getting a Mortgage With Bad Credit in Nevada
Bad Credit Mortgages | FHA Loans | NON-QM Loans | VA Loans | Videos

Getting a Mortgage With Bad Credit in Nevada

ByGustan Cho Posted onMay 28, 2024November 4, 2024

This blog will discuss buying a home and getting a mortgage with bad credit in Nevada. Nevada has many amenities,…

Continue Reading Getting a Mortgage With Bad Credit in NevadaContinue

High-Balance VA Loans
VA Loans | High-Balance Mortgage Loans | Videos

High-Balance VA Loans (Jumbo VA Loans)

ByMargarett Jurilla Posted onMay 27, 2024August 29, 2024

Most people don’t know that the VA does not limit the amount that you can borrow. The VA guarantee limits the amount that most lenders will allow with zero down, but with a down payment there are no VA loan limits.

Continue Reading High-Balance VA Loans (Jumbo VA Loans)Continue

VA Guidelines on Co-Borrowers
Videos | Non-Occupant Co-Borrowers | VA Loans

VA Guidelines on Co-Borrowers For VA Loans

ByAnngelli Abenes Posted onMay 24, 2024August 28, 2024

This guide covers VA guidelines on co-borrowers for VA loans. We will discuss the VA guidelines on co-borrowers. Income is…

Continue Reading VA Guidelines on Co-Borrowers For VA LoansContinue

Buying Your First Home In Wyoming
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | FHA Loans | First Time Home Buyers | VA Loans | Videos

Steps To Buying Your First Home In Wyoming Without Stress

ByAlex Carlucci Posted onMay 22, 2024May 12, 2025

In this blog, we will cover and discuss the steps to buying your first home in Wyoming. Buying your first…

Continue Reading Steps To Buying Your First Home In Wyoming Without StressContinue

VA Mortgage Loans
VA Loans | Videos

VA Mortgage Loans In Arizona Eligibility Requirements

ByAlex Carlucci Posted onApril 30, 2024August 23, 2024

We will be covering qualifying and getting approved for VA mortgage loans in Arizona. Arizona is one of the most…

Continue Reading VA Mortgage Loans In Arizona Eligibility RequirementsContinue

VA Loan With Prior Mortgage Included In Bankruptcy
VA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

VA Loan With Prior Mortgage Included in Bankruptcy

ByAlex Carlucci Posted onApril 29, 2024August 23, 2024

In this blog, we will discuss and cover qualifying for a VA loan with prior mortgage included in bankruptcy. VA…

Continue Reading VA Loan With Prior Mortgage Included in BankruptcyContinue

High-Balance Mortgage Loans
Conventional Loans | FHA Loans | High-Balance Mortgage Loans | Jumbo Loans | VA Loans | Videos

FHA and Conforming High-Balance Mortgage Loans

ByAnngelli Abenes Posted onApril 29, 2024August 23, 2024

Traversing the landscape of mortgage loans can be an intricate voyage, presenting many options tailored to meet diverse financial requirements….

Continue Reading FHA and Conforming High-Balance Mortgage LoansContinue

Solutions To High Debt To Income Ratios
FHA Loans | High Debt To Income Ratio | Manual Underwriting | Refinancing | VA Loans | video

Solutions To High Debt To Income Ratios On Home Purchase

ByAnngelli Abenes Posted onApril 25, 2024October 8, 2024

Gustan Cho Associates has no lender overlays on debt to income ratio on government and conventional loans. We just go off the agency caps on debt to income ratio no government and conventional loans.

Continue Reading Solutions To High Debt To Income Ratios On Home PurchaseContinue

Recent Late Payment VA Guidelines
Bad Credit Mortgages | VA Loans | video

Recent Late Payment VA Guidelines And Late Payments After Bankruptcy

ByGustan Cho Posted onApril 24, 2024September 23, 2024

VA home loans are ideal for primary residences, offering 100% financing with no down payment required for those who qualify,…

Continue Reading Recent Late Payment VA Guidelines And Late Payments After BankruptcyContinue

580 Score VA Financing With No Lender Overlays
VA Loans | Credit Scores | Mortgage Processing And Underwriting | Videos

580 Score VA Financing With No Lender Overlays

ByGustan Cho Posted onApril 18, 2024August 21, 2024

This guide covers 580 score VA financing for eligible veteran homebuyers and homeowners. The team at Gustan Cho Associates are…

Continue Reading 580 Score VA Financing With No Lender OverlaysContinue

VA Manual Underwrite Downgrade
VA Loans | Manual Underwriting | Videos

AUS-Approval To VA Manual Underwrite Downgrade

ByMike Gracz Posted onApril 18, 2024August 21, 2024

When does an automated underwriting system approved file get downgraded to a VA manual underwrite downgrade on VA loans happen?…

Continue Reading AUS-Approval To VA Manual Underwrite DowngradeContinue

Fannie Mae Chapter 13 Guidelines
Mortgage After Bankruptcy and Foreclosure | Bankruptcy | FHA Loans | Manual Underwriting | VA Loans | video

Fannie Mae Chapter 13 Guidelines On Conventional Loans

ByGustan Cho Posted onApril 17, 2024August 19, 2024

After experiencing financial difficulties, it can be overwhelming to navigate the intricacies of mortgage lending. The process can be complex…

Continue Reading Fannie Mae Chapter 13 Guidelines On Conventional LoansContinue

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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

  • Hard Money Lenders
    Simple Truth: What Are Hard Money Lenders and How They HelpMay 5, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansMay 5, 2025
  • Qualifying for Mortgage with Irregular Income
    Qualifying For Mortgage With Irregular IncomeApril 30, 2025
  • Home Loan with Tax Lien
    Home Loan With Tax Lien And Judgment Mortgage GuidelinesApril 29, 2025

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Equal Housing Opportunity Lender Gustan Cho Associates empowered by NEXA Mortgage LLC. NMLS# 1660690,
Corporate Address: 3100 Ray Road Suite 201 Office # 209 | Chandler AZ 85226 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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  • 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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