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Mortgage Guidelines on Home Loans
Conventional Loans | Down Payment Assistance | FHA Loans | Home Mortgages | Mortgage Rates | NON-QM Loans | Videos

Mortgage Guidelines on Home Loans Made Easy

ByDale Elenteny Posted onOctober 10, 2025October 13, 2025

The mortgage industry has gone through dramatic shifts over the past few years. From rising interest rates to new loan…

Continue Reading Mortgage Guidelines on Home Loans Made EasyContinue

Home Buying Mistakes
First Time Home Buyers | Home Mortgages | Mortgage Processing And Underwriting | Videos

12 Home Buying Mistakes To Avoid By First-Time Homebuyers

ByApril Ramirez Posted onOctober 10, 2025October 10, 2025

12 Common Home Buying Mistakes and How to Avoid Them in 2025 Buying a home is one of the biggest…

Continue Reading 12 Home Buying Mistakes To Avoid By First-Time HomebuyersContinue

How Credit Repair Affects the Mortgage Process
Automated Underwriting System | Credit Disputes | Credit Scores | Mortgage Processing And Underwriting | Videos

How Credit Repair Affects the Mortgage Process Explained

ByGustan Cho Posted onOctober 10, 2025October 13, 2025

How Credit Repair Affects the Mortgage Process: What Borrowers Need to Know Buying a home is one of the most…

Continue Reading How Credit Repair Affects the Mortgage Process ExplainedContinue

FHA Loan Denied for Low Credit Scores in Ohio
Bad Credit Mortgages | FHA Loans | Videos

FHA Loan Denied For Low Credit Scores in Ohio | AUS Approval

ByGustan Cho Posted onOctober 9, 2025October 9, 2025

FHA Loan Denied for Low Credit Scores in Ohio: Why It Happens and How to Get Approved If your FHA…

Continue Reading FHA Loan Denied For Low Credit Scores in Ohio | AUS ApprovalContinue

Benefits of Refinance Mortgage
Mortgage Refinance | Refinancing | Videos

What Are The Benefits of Refinance Mortgage

ByGustan Cho Posted onOctober 9, 2025October 9, 2025

This guide covers the benefits of refinance mortgage loans. There are many benefits of refinance mortgage. Although the Federal Reserve…

Continue Reading What Are The Benefits of Refinance MortgageContinue

Home Loan After Foreclosure
Mortgage After Bankruptcy and Foreclosure | Videos

Home Loan After Foreclosure Waiting Period Guidelines

ByEric Jeanette Posted onOctober 9, 2025October 9, 2025

Home Loan After Foreclosure: 2025 Waiting Period Guidelines and Options Losing a home to foreclosure can feel like the end…

Continue Reading Home Loan After Foreclosure Waiting Period GuidelinesContinue

Fast Pre-Approval Home Mortgage
Videos

Fast Pre-Approval Home Mortgage

ByGustan Cho Posted onOctober 8, 2025October 9, 2025

In this blog, we will discuss and cover if you can getfast pre-approval home mortgage in one hour. The qualification…

Continue Reading Fast Pre-Approval Home MortgageContinue

HUD guidelines on student loans
Student Loans | Conventional Loans | FHA Loans | Mortgage Processing And Underwriting | Videos

HUD Guidelines on Student Loans vs Other Mortgage Programs

ByGustan Cho Posted onOctober 3, 2025October 3, 2025

This blog will discuss and cover HUD guidelines on student loans vs other mortgage programs.  HUD, the Department of Housing…

Continue Reading HUD Guidelines on Student Loans vs Other Mortgage ProgramsContinue

How Do Principal Payments Work On Home Mortgages
Home Mortgages | Videos

How Do Principal Payments Work On Home Mortgages

ByAlex Carlucci Posted onOctober 2, 2025October 9, 2025

How Do Principal Payments Work On Home Mortgages Understanding how principal payments work on home mortgages is one of the…

Continue Reading How Do Principal Payments Work On Home MortgagesContinue

Investment Home Mortgage Loans
Investment Homes | Videos

Traditional and Non-Prime Investment Home Mortgage Loans

ByAlex Carlucci Posted onOctober 2, 2025October 8, 2025

Investment Home Mortgage Loans: 2025 Guide to No Doc, DSCR, and Non-QM Options Getting the right investment home mortgage loan…

Continue Reading Traditional and Non-Prime Investment Home Mortgage LoansContinue

FHA Streamline Refinance California
Mortgage Refinance | FHA and VA Streamline Refinance | Refinancing | Videos

FHA Streamline Refinance California With Bad Credit

ByGustan Cho Posted onOctober 2, 2025October 3, 2025

FHA Streamline Refinance California is a fast-track refinance mortgage loan program for California homeowners with a current FHA loan. They…

Continue Reading FHA Streamline Refinance California With Bad CreditContinue

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

Manual Underwriting DTI Guidelines for FHA and VA Loans

ByMargarett Jurilla Posted onOctober 2, 2025October 3, 2025

This guide covers manual underwriting DTI guidelines on FHA and VA loans. HUD and the Veterans Administration are the only…

Continue Reading Manual Underwriting DTI Guidelines for FHA and VA LoansContinue

How to Cancel PMI
Mortgage Insurance | Videos

How To Cancel PMI on Conventional Loans For Homeowners

ByGustan Cho Posted onOctober 2, 2025October 7, 2025

How to Cancel PMI on Conventional Loans in 2025: Step-by-Step Guide to Save Money Private Mortgage Insurance (PMI) is one…

Continue Reading How To Cancel PMI on Conventional Loans For HomeownersContinue

FAQ on VA Loans
VA Loans | Videos

FAQ on VA Loans on Eligibility and Mortgage Options

ByGustan Cho Posted onOctober 2, 2025October 3, 2025

This blog will cover the FAQ on VA loans, eligibility requirements, and VA mortgage loan options for first-time homebuyers. There…

Continue Reading FAQ on VA Loans on Eligibility and Mortgage OptionsContinue

Steps in Buying a House
Home Purchase | Videos

Steps In Buying A House And Getting Qualified For Mortgage

ByGustan Cho Posted onOctober 2, 2025October 3, 2025

If you’ve been dreaming of owning a home, learning the exact steps in buying a house is the key to…

Continue Reading Steps In Buying A House And Getting Qualified For MortgageContinue

Frequently Asked Mortgage Question
First Time Home Buyers | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Frequently Asked Mortgage Question From Homebuyers

ByMike Gracz Posted onOctober 2, 2025October 3, 2025

Gustan Cho Associates works with many families in different areas of the country. However, our clients commonly ask similar questions….

Continue Reading Frequently Asked Mortgage Question From HomebuyersContinue

FHA Lender Overlays
Mortgage Lender Overlays | FHA Loans | Videos

What Are FHA Lender Overlays? A Simple Guide

ByAnngelli Abenes Posted onOctober 1, 2025October 2, 2025

If you are thinking about buying a home or refinancing your current mortgage, you may have heard about FHA loans….

Continue Reading What Are FHA Lender Overlays? A Simple GuideContinue

Avoiding Stress During Mortgage Process
Home Purchase | Videos

Avoiding Stress During Mortgage Process And Close On Time

ByAnngelli Abenes Posted onOctober 1, 2025October 1, 2025

Why the Mortgage Process Feels So Stressful Buying a home should be one of the most exciting times in your…

Continue Reading Avoiding Stress During Mortgage Process And Close On TimeContinue

Illinois Mortgage With Bad Credit
Bad Credit Mortgages | FHA Loans | NON-QM Loans | VA Loans | Videos

Illinois Mortgage With Bad Credit Mortgage Options

ByAnngelli Abenes Posted onOctober 1, 2025October 3, 2025

Your All-Inclusive Manual to Getting an Illinois Mortgage with Bad Credit Mortgage Options. Do you fear poor credit could dash…

Continue Reading Illinois Mortgage With Bad Credit Mortgage OptionsContinue

What Lenders Look for in Bank Statements
Videos | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved

What Lenders Look for in Bank Statements Before Saying Yes

ByGustan Cho Posted onSeptember 30, 2025October 1, 2025

What Lenders Look for in Bank Statements: 2025 Guide for Mortgage Approval Getting a mortgage can be stressful, especially when…

Continue Reading What Lenders Look for in Bank Statements Before Saying YesContinue

Chenoa DPA EDGE Program
First Time Home Buyers | Down Payment Assistance | Videos

Chenoa DPA EDGE Program: Powerful Aid for Home Buyers

ByJohn Strange Posted onSeptember 30, 2025October 1, 2025

Chenoa DPA EDGE Program: Your Guide to Down Payment Help in 2025 The American dream is a term we have…

Continue Reading Chenoa DPA EDGE Program: Powerful Aid for Home BuyersContinue

Buying a Beachfront Property in Florida
Home Mortgages | Home Purchase | Real Estate Topic | Videos

Smart Tips for Buying a Beachfront Property in Florida

ByDale Elenteny Posted onSeptember 29, 2025October 1, 2025

Buying a Beachfront Property in Florida: Everything You Need to Know Florida’s sunshine, sandy beaches, and breathtaking views have made…

Continue Reading Smart Tips for Buying a Beachfront Property in FloridaContinue

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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

  • HUD FHA 203h Mortgage Guidelines
    HUD FHA 203h Mortgage Guidelines For Disaster VictimsOctober 13, 2025
  • Mortgage Guidelines on Home Loans
    Mortgage Guidelines on Home Loans Made EasyOctober 10, 2025
  • Home Buying Mistakes
    12 Home Buying Mistakes To Avoid By First-Time HomebuyersOctober 10, 2025
  • Mortgage Amortization
    Mortgage Amortization: How Home Loans Get Paid Over TimeOctober 10, 2025

DTI Calculators

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Resources

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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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