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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

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

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

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 onSeptember 29, 2025October 1, 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 onSeptember 26, 2025October 2, 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

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

Canceling a Real Estate Purchase Contract Transaction

ByGustan Cho Posted onSeptember 24, 2025September 29, 2025

Why Buyers and Sellers Need to Understand Canceling a Real Estate Purchase Contract Buying or selling a home is exciting,…

Continue Reading Canceling a Real Estate Purchase Contract TransactionContinue

Florida FHA Loan
FHA Loans | Down Payment Assistance | Videos

Florida FHA Loan Requirements

ByAlex Carlucci Posted onSeptember 24, 2025September 25, 2025

In this blog, we will cover and explain the Florida FHA loan requirements in detail and advise homebuyers on how…

Continue Reading Florida FHA Loan RequirementsContinue

How Your Credit Impacts Your Homebuying Process
Home Purchase | Credit Scores | Mortgage Rates | Videos

How Your Credit Impacts Your Homebuying Process

ByDale Elenteny Posted onSeptember 23, 2025September 24, 2025

This guide covers how your credit impacts your homebuying process. If you are in the market to buy or refinance…

Continue Reading How Your Credit Impacts Your Homebuying ProcessContinue

Mortgage Loan After Foreclosure
Mortgage After Bankruptcy and Foreclosure | Videos

Mortgage Loan after Foreclosure and Short Sale Guidelines

ByAlex Carlucci Posted onSeptember 22, 2025September 23, 2025

Getting a Mortgage Loan After Foreclosure Going through a foreclosure is tough. Many borrowers fear they’ll never own a home…

Continue Reading Mortgage Loan after Foreclosure and Short Sale GuidelinesContinue

Florida Mortgage Rates on Conventional Loans
Conventional Loans | FHA Loans | Mortgage Rates | Videos

Florida Mortgage Rates on Conventional Loans vs FHA Loans

ByGustan Cho Posted onSeptember 19, 2025September 24, 2025

This guide covers Florida mortgage rates on conventional loans vs FHA loans. Florida mortgage rates on conventional loans versus FHA…

Continue Reading Florida Mortgage Rates on Conventional Loans vs FHA LoansContinue

Primary Home Mortgage Guide
Home Purchase | Real Estate Topic | Second Homes | Videos

Easy Primary Home Mortgage Guide Every Buyer Must Read

ByGustan Cho Posted onSeptember 19, 2025September 23, 2025

Primary Home Mortgage Guide: Rules, Loan Options, and How to Qualify Buying your first home can feel confusing. One of…

Continue Reading Easy Primary Home Mortgage Guide Every Buyer Must ReadContinue

FICO Score Needed to Buy a House
Home Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

FICO Score Needed to Buy a House: Fast Approval Tips Inside

ByGustan Cho Posted onSeptember 18, 2025September 23, 2025

Introduction: Your Credit Score Is the Key to Homeownership Buying a home is one of the most significant financial steps…

Continue Reading FICO Score Needed to Buy a House: Fast Approval Tips InsideContinue

Non-QM Guidelines
NON-QM Loans | Headline News Archives | Videos

How Non-QM Guidelines Open Doors For Homebuyers

ByGustan Cho Posted onSeptember 17, 2025September 23, 2025

This guide covers the updated non-QM guidelines post-coronavirus outbreak and political scare. Non-QM guidelines are not uniform agency lending guidelines…

Continue Reading How Non-QM Guidelines Open Doors For HomebuyersContinue

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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 guidelines on student loans
    HUD Guidelines on Student Loans vs Other Mortgage ProgramsOctober 3, 2025
  • FHA Streamline Refinance California
    FHA Streamline Refinance California With Bad CreditOctober 2, 2025
  • Building Credit With Timely Housing Payments
    Building Credit With Timely Housing PaymentsOctober 2, 2025
  • Manual Underwriting DTI Guidelines
    Manual Underwriting DTI Guidelines for FHA and VA LoansOctober 2, 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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