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  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
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    • MLO License School
    • 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
  • Types Of MortgagesExpand
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      • Investment Property Loan
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      • Chapter 13 Bankruptcy Cash-Out-Buyout
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      • FHA Manual Underwriting
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    • VA Home LoansExpand
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      • VA Loans For Bad Credit
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    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
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      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condotel Financing
    • NON-QM LoansExpand
      • 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
  • CareersExpand
    • Can Realtors Be MLOs At The Same Time
    • Career OpportunitiesExpand
      • Training a New Mortgage Loan Officer Without Any Experience
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Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

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Buying a House in Savannah Georgia
First Time Home Buyers | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Your Dream Starts: Buying a House in Savannah Georgia

ByMargarett Jurilla Posted onAugust 22, 2025August 22, 2025

Buying a House in Savannah, Georgia: Your 2025 Guide to Homeownership If you’ve been considering buying a house in Savannah…

Continue Reading Your Dream Starts: Buying a House in Savannah GeorgiaContinue

How To Qualify for a Mortgage With Disability Income
Income And Employment | Videos

How To Qualify for a Mortgage With Disability Income

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

Mortgage With Disability Income: How to Qualify in 2025 Buying a home when most or all of your income comes…

Continue Reading How To Qualify for a Mortgage With Disability IncomeContinue

Buying a Home in Chicago
Home Purchase | First Time Home Buyers | Real Estate Topic | Videos

Buying a Home in Chicago: Proven Tips for First-Time Buyers

ByMargarett Jurilla Posted onAugust 21, 2025August 22, 2025

In this article, I provide a step-by-step guide for first-time buyers and answer common questions concerning a home purchase in the Chicago area.

Continue Reading Buying a Home in Chicago: Proven Tips for First-Time BuyersContinue

Buying Condominium Versus Single-Family Homes Mortgage Guidelines
Videos

Buying Condominium versus Single-Family Homes

ByMike Gracz Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss buying condominium versus single-family homes. Are you looking to buy a condo?…

Continue Reading Buying Condominium versus Single-Family HomesContinue

How Credit Scoring Works
Videos

How Credit Scoring Works in the Mortgage Process

ByGustan Cho Posted onAugust 21, 2025August 22, 2025

In this blog, we will cover and discuss how credit scoring works in the mortgage process. How credit scoring works…

Continue Reading How Credit Scoring Works in the Mortgage ProcessContinue

Conventional Versus Government-Backed Mortgages
Videos

Conventional Versus Government-Backed Mortgages

ByGustan Cho Posted onAugust 20, 2025August 21, 2025

Conventional Versus Government-Backed Mortgages: Which Loan Fits You Best? When you’re buying a home, one of the first big decisions…

Continue Reading Conventional Versus Government-Backed MortgagesContinue

Refinancing Your California Mortgage Loan
Home Mortgages | FHA and VA Streamline Refinance | FHA Loans | Videos

Refinancing Your California Mortgage Loan

ByLaurie Cho Posted onAugust 20, 2025August 21, 2025

Refinancing Your California Mortgage Loan in 2025: A Complete Guide If you’re a California homeowner, you’ve probably heard friends or…

Continue Reading Refinancing Your California Mortgage LoanContinue

Conditional Mortgage Approval Versus Pre-Approval
Home Mortgages | Videos

Conditional Mortgage Approval Versus Pre-Approval

ByAlex Carlucci Posted onAugust 20, 2025August 21, 2025

Conditional Mortgage Approval Versus Pre-Approval: What Borrowers Need to Know in 2025 Buying a home is super exciting, but the…

Continue Reading Conditional Mortgage Approval Versus Pre-ApprovalContinue

Property Taxes Can Determine Buying Power
Property Taxes | High Debt To Income Ratio | Real Estate Topic | Videos

How Property Taxes Can Determine Buying Power on Homes

ByAlex Carlucci Posted onAugust 19, 2025August 20, 2025

How Property Taxes Can Determine Buying Power in 2025 When people are looking to buy a home, they usually pay…

Continue Reading How Property Taxes Can Determine Buying Power on HomesContinue

Best Places to Buy Waterfront Property
Home Mortgages | Home Purchase | NON-QM Loans | Real Estate Topic | Second Homes | Videos

The Best Places To Buy Waterfront Property For Boating

ByMargarett Jurilla Posted onAugust 19, 2025August 20, 2025

Are you dreaming of waking up to sunrise views over the water, spending weekends boating, or owning a vacation home…

Continue Reading The Best Places To Buy Waterfront Property For BoatingContinue

How to Negotiate a Home Purchase
Home Purchase | Real Estate Topic | Videos

How To Negotiate a Home Purchase Prior To Signing Contract

ByGustan Cho Posted onAugust 18, 2025August 19, 2025

Why Knowing How to Negotiate a Home Purchase Matters in 2025 Buying a home is an important financial choice. In…

Continue Reading How To Negotiate a Home Purchase Prior To Signing ContractContinue

Cash-Out Refinance Mortgage Rates
Mortgage Refinance | Videos

Cash-Out Refinance Mortgage Rates vs Rate and Term Rates

ByAlex Carlucci Posted onAugust 18, 2025August 20, 2025

Cash-out refinance mortgage rates are higher than rate and term refinance rates. Cash-out mortgage rates are substantially higher for homeowners…

Continue Reading Cash-Out Refinance Mortgage Rates vs Rate and Term RatesContinue

When Rent When You Can Own a Home
FHA Loans | First Time Home Buyers | Home Mortgages | Home Purchase | Real Estate Topic | Videos

Why Rent When You Can Own a Home With DPA

ByGustan Cho Posted onAugust 18, 2025August 19, 2025

Introduction: Why Rent When You Can Own a Home? Renters across the U.S. ask the same question in 2025: Why…

Continue Reading Why Rent When You Can Own a Home With DPAContinue

Non-QM Home Loan Guidelines
NON-QM Loans | Videos

Non-QM Home Loan Guidelines For Borrowers With Bad Credit

ByAnngelli Abenes Posted onAugust 15, 2025August 18, 2025

NON-QM Home Loan Guidelines: 2025 Guide to Buying After Denial Buying a home isn’t always easy when your credit, income,…

Continue Reading Non-QM Home Loan Guidelines For Borrowers With Bad CreditContinue

Remote MLO Career Opportunities
Career Opportunities/Loan Officer Training | Videos

Remote MLO Career Opportunities You Can Start Today

ByLaurie Cho Posted onAugust 14, 2025August 15, 2025

Remote MLO Career Opportunities: Work From Anywhere With Gustan Cho Associates If you’re an experienced mortgage loan officer looking for…

Continue Reading Remote MLO Career Opportunities You Can Start TodayContinue

CFPB Eliminating TRID
Headline News Archives | Regulations | Videos

CFPB Eliminating TRID To Help Mortgage Borrowers

ByAlex Carlucci Posted onAugust 13, 2025August 14, 2025

This ARTICLE covers the CFPB Eliminating TRID to help mortgage borrowers. Breaking News on CFPB Eliminating TRID: The mortgage industry…

Continue Reading CFPB Eliminating TRID To Help Mortgage BorrowersContinue

Fannie Mae Guidelines on Mortgage After Foreclosure
Videos | Conventional Loans

Fannie Mae Guidelines On Mortgage After Foreclosure

ByAlex Carlucci Posted onAugust 12, 2025August 15, 2025

Fannie Mae Guidelines on Mortgage After Foreclosure in 2025: How to Qualify Again Fast If you’ve been through a foreclosure,…

Continue Reading Fannie Mae Guidelines On Mortgage After ForeclosureContinue

FHFA increases conventional loan limit
Conventional Loans | Videos

FHFA Increases Conventional Loan Limit for 2025

ByGustan Cho Posted onAugust 12, 2025August 13, 2025

This guide covers FHFA increases conventional loan limit for 2025 to $806,500 in standard median priced areas and $1,209,750 in…

Continue Reading FHFA Increases Conventional Loan Limit for 2025Continue

Mortgage Approval with 580 FICO Credit Score
FHA Loans | Credit Scores | Mortgage Processing And Underwriting | VA Loans | Videos

Mortgage Approval With 580 FICO Credit Score

ByGustan Cho Posted onAugust 12, 2025August 19, 2025

Mortgage Approval with 580 FICO Credit Score in 2025: Your Complete Guide If you’ve been told you can’t get a…

Continue Reading Mortgage Approval With 580 FICO Credit ScoreContinue

HomeReady Versus Home Possible
Conventional Loans | Down Payment Assistance | Home Possible | HomeReady | Videos

HomeReady Versus Home Possible Mortgage Guidelines

ByAlex Carlucci Posted onAugust 12, 2025August 13, 2025

HomeReady Versus Home Possible in 2025: Which Loan Is Best for You? If you’re looking for a mortgage and don’t…

Continue Reading HomeReady Versus Home Possible Mortgage GuidelinesContinue

Chicago Mortgage Loans for Self-Employed Individuals
Videos | Bank Statement Loans | Income And Employment | NON-QM Loans

Chicago Mortgage Loans For Self-Employed Individuals

ByAlex Carlucci Posted onAugust 12, 2025August 15, 2025

Chicago Mortgage Loans for Self-Employed Individuals: 2025 Guide to Getting Approved Being self-employed in the Chicago area can be super…

Continue Reading Chicago Mortgage Loans For Self-Employed IndividualsContinue

Canceling a Real Estate Purchase Contract
Real Estate Topic | Home Purchase | Videos

Canceling a Real Estate Purchase Contract Transaction

ByGustan Cho Posted onAugust 12, 2025August 15, 2025

This guide covers canceling a real estate purchase contract transaction. A real estate purchase contract is a legally binding agreement…

Continue Reading Canceling a Real Estate Purchase Contract TransactionContinue

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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

  • Wisconsin VA Mortgage Lenders
    Wisconsin VA Mortgage Lenders With No OverlaysAugust 22, 2025
  • Buying a House in Savannah Georgia
    Your Dream Starts: Buying a House in Savannah GeorgiaAugust 22, 2025
  • Second Home Versus Investment Home Financing
    Second Home versus Investment Home FinancingAugust 22, 2025
  • Tax Settlement
    Tax Settlement For Mortgage Borrowers With Tax LiensAugust 22, 2025

DTI Calculators

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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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