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Gustan Cho Associates
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    • Meet Our Team
    • Loan LimitsExpand
      • FHA 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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    • 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
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Call or Text: (800) 900-8569

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VA Loans

Home / VA Loans - Page 6
Conforming versus government-backed loans
Conventional Loans | FHA Loans | Mortgage Refinance | USDA Loans | VA Loans | Videos

Conforming Versus Government-Backed Loans

ByGustan Cho Posted onJanuary 17, 2024July 29, 2024

This article covers Conforming versus government-backed loans. FHA, VA, and USDA loans are called government-backed loans. This is because lenders…

Continue Reading Conforming Versus Government-Backed LoansContinue

VA Loans Illinois
VA Loans | Mortgage Lender Overlays | Videos

VA Loans Illinois Bad Credit With No Overlays and High DTI

ByGustan Cho Posted onJanuary 16, 2024March 18, 2024

This article Is about qualifying for VA loans Illinois bad credit with no overlays and high debt-to-income ratio. VA loans…

Continue Reading VA Loans Illinois Bad Credit With No Overlays and High DTIContinue

First-Time Home Buyer Loan Programs
First Time Home Buyers | Down Payment Assistance | FHA Loans | Home Purchase | HomeReady | VA Loans | Videos

Mortgage Process of First-Time Home Buyer Loan Programs

ByGustan Cho Posted onJanuary 15, 2024March 26, 2024

This guide covers  the mortgage process of first-time home buyer loan programs. First-time home buyers have dominated the housing market…

Continue Reading Mortgage Process of First-Time Home Buyer Loan ProgramsContinue

Compensating Factors on Manual Underwriting
Compensating Factors | FHA Loans | Manual Underwriting | VA Loans | Videos

Compensating Factors on Manual Underwriting

ByGustan Cho Posted onJanuary 6, 2024October 8, 2024

Mortgage Underwriters will require one or more compensating factors for borrowers with higher debt to income ratio on manual underwrites to offset the risk of the higher DTI.

Continue Reading Compensating Factors on Manual UnderwritingContinue

VA Late Payment After Bankruptcy
Mortgage With Late Payments | VA Loans | Videos

VA Late Payment After Bankruptcy Guidelines on VA Loans

ByGustan Cho Posted onDecember 31, 2023July 26, 2024

This guide covers VA late payment after bankruptcy mortgage guidelines on VA loans. VA loans were created and implemented to…

Continue Reading VA Late Payment After Bankruptcy Guidelines on VA LoansContinue

VA Loans During Chapter 7 Versus 13 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

VA Loans During Chapter 7 Versus 13 Bankruptcy

ByGustan Cho Posted onDecember 18, 2023February 11, 2025

In this blog, we will cover and discuss the agency mortgage guidelines from the U.S. Department of Veterans Affairs for…

Continue Reading VA Loans During Chapter 7 Versus 13 BankruptcyContinue

Qualify For Veteran Administration Loans With Bad Credit
VA Loans | Videos

How To Qualify For Veteran Administration Loans

ByGustan Cho Posted onDecember 16, 2023December 18, 2023

This guide covers how to qualify for veteran administration loans with bad credit. Veteran Administration loans, also referred to as…

Continue Reading How To Qualify For Veteran Administration LoansContinue

Credit Scores Required For FHA and VA Loans
Bad Credit Mortgages | Credit Scores | FHA Loans | VA Loans | Videos

Credit Scores Required For FHA and VA Loans

ByGustan Cho Posted onDecember 4, 2023July 26, 2024

This guide covers the credit scores required for FHA and VA loans. Many borrowers are confused about the credit scores…

Continue Reading Credit Scores Required For FHA and VA LoansContinue

Best Arizona Mortgage Lenders For Bad Credit With Low FICO
Videos | Mortgage Lender Overlays | VA Loans

Best Arizona Mortgage Lenders For Bad Credit With Low FICO

ByAlex Carlucci Posted onNovember 24, 2023July 29, 2025

This blog covers the best Arizona mortgage lenders for bad credit with low FICO credit scores. It is an important…

Continue Reading Best Arizona Mortgage Lenders For Bad Credit With Low FICOContinue

How The VA Mortgage Process Work
Mortgage Processing And Underwriting | VA Loans | Videos

How The VA Mortgage Process Work For Homebuyers

ByGustan Cho Posted onNovember 4, 2023June 24, 2024

This guide covers how the VA mortgage process work for homebuyers. How the VA mortgage process work? VA loans are…

Continue Reading How The VA Mortgage Process Work For HomebuyersContinue

Florida VA Lenders
VA Loans | Manual Underwriting | Mortgage Lender Overlays | Videos

Best Florida VA Lenders With No Overlays on VA Loans

ByLaurie Cho Posted onJuly 23, 2023November 4, 2024

Not all Florida VA lenders have the same lending requirements on VA loans. Not all Florida VA lenders do manual…

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VA Credit Score Mortgage Guidelines
VA Loans | Mortgage Lender Overlays | Videos

VA Credit Score Mortgage Guidelines on VA Home Loans

ByLaurie Cho Posted onJuly 20, 2023May 20, 2024

This guide covers VA credit score mortgage guidelines on VA home loans. VA mortgages are the best home loan program…

Continue Reading VA Credit Score Mortgage Guidelines on VA Home LoansContinue

Disabled Veterans Benefits
Videos | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | VA Loans

Disabled Veterans Benefits on VA Loans

ByGustan Cho Posted onJune 30, 2023October 8, 2024

This guide covers disabled Veterans benefits on VA loans. The Department of Veterans Affairs (VA) insures and guarantees VA Loans…

Continue Reading Disabled Veterans Benefits on VA LoansContinue

VA Jumbo Home Mortgages (1)
VA Loans | High-Balance Mortgage Loans | Videos

VA Jumbo Home Mortgages Eligibility Requirements

ByMike Gracz Posted onJune 26, 2023August 26, 2025

This guide covers the eligibility guidelines for VA Jumbo Home Mortgages. Most veterans know they do not need a down…

Continue Reading VA Jumbo Home Mortgages Eligibility RequirementsContinue

Mortgage Lending Guidelines On Government Versus Conventional Loans
Conventional Loans | FHA Loans | VA Loans | Videos

Mortgage Lending Guidelines on Traditional Home Loans

ByGustan Cho Posted onMay 1, 2023April 7, 2025

Conventional Loans also referred to as Conforming Loans are not guaranteed and/or insured by the federal government. Conventional Loans need to …..

Continue Reading Mortgage Lending Guidelines on Traditional Home LoansContinue

Gustan Cho Associates are experts in helping borrowers qualify for VA loans with no lender overlays
VA Loans

Buying A Home With A VA Loan With No Money Down

ByMike Gracz Posted onSeptember 20, 2022July 28, 2025

In this blog, we will cover and discuss buying a home with a VA loan with no money down. If…

Continue Reading Buying A Home With A VA Loan With No Money DownContinue

VA Funding Fee
VA Loans

VA Funding Fee Mortgage Guidelines For VA Home Loans

ByMike Gracz Posted onJuly 6, 2022October 8, 2024

In this blog, we will discuss and cover the VA funding fee mortgage guidelines for VA home loans. VA loans…

Continue Reading VA Funding Fee Mortgage Guidelines For VA Home LoansContinue

VA Loan Eligibility Requirements in Vermont
VA Loans

VA Loan Eligibility Requirements in Vermont

ByAlex Carlucci Posted onJune 5, 2022October 8, 2024

In this blog, we will cover and discuss the VA loan eligibility requirements in Vermont for 2022. We will cover…

Continue Reading VA Loan Eligibility Requirements in VermontContinue

VA Loans Kentucky
VA Loans

VA Loans Kentucky: VA Loan Requirements And Guidelines

ByMike Gracz Posted onMay 28, 2022July 23, 2024

Active and/or retired members of the United States Armed Services and eligible surviving spouses of eligible veterans in Kentucky can…

Continue Reading VA Loans Kentucky: VA Loan Requirements And GuidelinesContinue

FAQ On VA Loans
VA Loans

FAQ On VA Loans On Eligibility Requirements And Mortgage Options

ByGustan Cho Posted onDecember 30, 2021October 8, 2024

In this blog, we will be covering the FAQ on VA loans on eligibility requirements and VA mortgage loan options…

Continue Reading FAQ On VA Loans On Eligibility Requirements And Mortgage OptionsContinue

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

Houston Housing Market
VA Loans

Houston Housing Market For Veterans Of Our United States Military

ByMike Gracz Posted onOctober 9, 2021October 8, 2024

This BLOG On Houston Housing Market For Veterans Of Our United States Military The Great City of Houston, Texas is…

Continue Reading Houston Housing Market For Veterans Of Our United States MilitaryContinue

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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

  • APR Versus Interest Rate
    APR Versus Interest Rate Quoted By Mortgage LendersAugust 28, 2025
  • Chenoa DPA EDGE Program
    Chenoa DPA EDGE Program: Powerful Aid for Home BuyersAugust 28, 2025
  • Apartment Building Loans
    Apartment Building Loans For Real Estate InvestorsAugust 27, 2025
  • What Lenders Look for in Bank Statements
    What Lenders Look for in Bank Statements Before Saying YesAugust 27, 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
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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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