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VA Loans

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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, 2024June 17, 2025

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, 2024July 29, 2025

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, 2024September 1, 2025

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, 2024June 23, 2025

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, 2024June 24, 2025

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, 2024June 24, 2025

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, 2024June 24, 2025

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

California FHA Loans
Home Mortgages | FHA Loans | First Time Home Buyers | VA Loans | video

California FHA Loans Versus Other Mortgage Options For Homebuyers

ByGustan Cho Posted onApril 16, 2024July 29, 2025

California FHA loans are a preferred mortgage solution for various borrowers, including first-time homebuyers, individuals with poor credit, and those…

Continue Reading California FHA Loans Versus Other Mortgage Options For HomebuyersContinue

VA Loans Residual Income
VA Loans | Home Mortgages | Income And Employment | Videos

VA Loans Residual Income Guidelines For 2024

ByAlex Carlucci Posted onApril 15, 2024June 25, 2025

Lenders can offer 100% with no mortgage insurance at competitive low mortgage rates on VA loans due to the government guarantee against loss or foreclosure on VA loans. VA loans have no maximum debt-to-income ratio cap on VA loans.

Continue Reading VA Loans Residual Income Guidelines For 2024Continue

VA Mortgage After Prior VA Loan Foreclosure
VA Loans

Qualifying For VA Mortgage After Prior VA Loan Foreclosure

ByAlex Carlucci Posted onApril 15, 2024June 25, 2025

This Article Is About Qualifying For VA Mortgage After Prior VA Loan Foreclosure For many veterans, a VA loan is…

Continue Reading Qualifying For VA Mortgage After Prior VA Loan ForeclosureContinue

Can I Buy a House in South Dakota With Poor Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | Qualifying & Getting Pre-approved | VA Loans | Videos

Can I Buy a House in South Dakota With Poor Credit

ByGustan Cho Posted onApril 12, 2024June 25, 2025

In this blog, we’ll address the common inquiry: Can I buy a house in South Dakota with poor credit and…

Continue Reading Can I Buy a House in South Dakota With Poor CreditContinue

Bankruptcy Manual Underwriting Guidelines
Manual Underwriting | FHA Loans | Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

Bankruptcy Manual Underwriting Guidelines on FHA and VA Loans

ByGustan Cho Posted onApril 5, 2024June 27, 2025

The bankruptcy manual underwriting guidelines on FHA and VA loans are covered in this guide, which focuses on the exclusive…

Continue Reading Bankruptcy Manual Underwriting Guidelines on FHA and VA LoansContinue

Home Loan With Bad Credit Texas
Bad Credit Mortgages | Automated Underwriting System | FHA Loans | Manual Underwriting | VA Loans | video

How To Get Approved For Home Loan With Bad Credit Texas

ByMike Gracz Posted onApril 4, 2024April 22, 2025

This article explores the various mortgage options available to homebuyers seeking approval for a home loan with bad credit Texas….

Continue Reading How To Get Approved For Home Loan With Bad Credit TexasContinue

Rebuilding Credit During Chapter 13 Bankruptcy
FHA Loans | Mortgage After Bankruptcy and Foreclosure | Re-Establishing Credit | Secured Credit Cards | VA Loans | Videos

Rebuilding Credit During Chapter 13 Bankruptcy For a Mortgage

ByGustan Cho Posted onApril 3, 2024June 27, 2025

This guide covers rebuilding credit during Chapter 13 Bankruptcy repayment plan. Rebuilding credit during Chapter 13 Bankruptcy is highly recommended…

Continue Reading Rebuilding Credit During Chapter 13 Bankruptcy For a MortgageContinue

What is a DU Automated Approval
Automated Underwriting System | FHA Loans | VA Loans | Videos

What Is DU Automated Approval per AUS FINDINGS

ByGustan Cho Posted onMarch 27, 2024August 15, 2024

In this blog, we will cover and discuss what is DU automated approval on the automated underwriting system. A sound…

Continue Reading What Is DU Automated Approval per AUS FINDINGSContinue

VA Manufactured Home Guidelines
VA Loans | Automated Underwriting System | Manufactured Homes | Videos

VA Manufactured Home Guidelines On VA Loans

ByMike Gracz Posted onMarch 25, 2024April 7, 2025

In this blog, we will discuss and cover VA manufactured home guidelines on VA loans. Gustan Cho Associates has invested…

Continue Reading VA Manufactured Home Guidelines On VA LoansContinue

VA Derogatory Credit Mortgage Guidelines
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | VA Loans | Videos

VA Derogatory Credit Mortgage Guidelines on VA Loans

ByGustan Cho Posted onMarch 19, 2024August 13, 2024

This guide covers VA derogatory credit mortgage guidelines on VA loans. VA derogatory credit mortgage guidelines on VA loans are…

Continue Reading VA Derogatory Credit Mortgage Guidelines on VA LoansContinue

VA Loans Bad Credit Tennessee With No Lender Overlays
Videos | Charge Off Accounts | Collection Accounts | Qualifying & Getting Pre-approved | Re-Establishing Credit | VA Loans

VA Loans Bad Credit Tennessee With Low Scores

ByGustan Cho Posted onMarch 16, 2024July 28, 2025

Homebuyers can qualify for VA loans bad credit Tennessee with under 620 credit scores. The United States Department of Veterans…

Continue Reading VA Loans Bad Credit Tennessee With Low ScoresContinue

Types of Residential Lending
Bad Credit Mortgages | Conventional Loans | FHA Loans | NON-QM Loans | USDA Loans | VA Loans | Videos

The Types of Residential Lending for Borrowers With Bad Credit

ByGustan Cho Posted onMarch 8, 2024August 8, 2024

This guide covers the different types of residential lending for homebuyers with bad credit out in todays marketplace for owner-occupant…

Continue Reading The Types of Residential Lending for Borrowers With Bad CreditContinue

FHA and VA Amendatory Clause
Appraisal | FHA Loans | Home Purchase | VA Loans | Videos

Understanding the FHA and VA Amendatory Clause

ByGustan Cho Posted onMarch 7, 2024August 8, 2024

This guide deep dives into the significance of the FHA and VA Amendatory Clause. We will explore the implications of…

Continue Reading Understanding the FHA and VA Amendatory ClauseContinue

Buying a Home in Tennessee with Bad Credit
FHA Loans | Bad Credit Mortgages | VA Loans | Videos

Buying a Home In Tennessee With Bad Credit and Low FICO

ByAnngelli Abenes Posted onMarch 7, 2024August 8, 2024

HUD oversees the Federal Housing Administration (FHA) and helps homebuyers in buying a home in Tennessee with bad credit and…

Continue Reading Buying a Home In Tennessee With Bad Credit and Low FICOContinue

Property Tax Proration VA Guidelines
Property Taxes | Real Estate Topic | VA Loans | Videos

Property Tax Proration VA Guidelines on VA Home Loans

ByGustan Cho Posted onMarch 4, 2024July 29, 2025

This guide covers property tax proration VA guidelines on VA home loans. There are certain states where property taxes are…

Continue Reading Property Tax Proration VA Guidelines on VA Home 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

  • 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

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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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