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Gustan Cho Associates
  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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
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      • VA Loan with Judgment
    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional LoansExpand
      • 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 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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Conforming Loans After Bankruptcy and Foreclosure
Bankruptcy | Mortgage After Bankruptcy and Foreclosure | video

Conforming Loans After Bankruptcy and Foreclosure

ByGustan Cho Posted onFebruary 25, 2025February 27, 2025

Conforming Loans After Bankruptcy and Foreclosure: How to Get Approved If you’ve gone through bankruptcy or foreclosure, you might think…

Continue Reading Conforming Loans After Bankruptcy and ForeclosureContinue

FHA Manual Underwriting Mortgage Guidelines
Manual Underwriting | FHA Loans | Verification Of Rent | video | Videos

FHA Manual Underwriting Mortgage Guidelines

ByGustan Cho Posted onJanuary 29, 2025March 11, 2025

FHA Manual Underwriting Mortgage Guidelines: 2025 Update If you’re applying for an FHA loan and received a “Refer/Eligible” from the…

Continue Reading FHA Manual Underwriting Mortgage GuidelinesContinue

Mortgage Calculator in New Mexico
FHA Loans | USDA Loans | VA Loans | video

Save Over $10K Using a Mortgage Calculator in New Mexico

ByAnngelli Abenes Posted onJanuary 20, 2025January 21, 2025

Save Over $10K Using a Mortgage Calculator in New Mexico in 2025 Are you dreaming of owning your first home…

Continue Reading Save Over $10K Using a Mortgage Calculator in New MexicoContinue

Liabilities in Mortgage Qualification
Mortgage Processing And Underwriting | High Debt To Income Ratio | Manual Underwriting | Student Loans | video

How Do Underwriters View Liabilities In Mortgage Qualification

ByGustan Cho Posted onDecember 19, 2024December 26, 2024

How Underwriters View Liabilities in Mortgage Qualification (Updated for 2024) When applying for a mortgage, understanding how underwriters evaluate liabilities…

Continue Reading How Do Underwriters View Liabilities In Mortgage QualificationContinue

Common VA Overlays
Mortgage Lender Overlays | VA Loans | video

Common VA Overlays By Lenders Versus Agency Mortgage Guidelines

ByGustan Cho Posted onNovember 18, 2024May 15, 2025

Common VA Overlays: What You Need to Know for 2024 When it comes to VA loans, borrowers often need more…

Continue Reading Common VA Overlays By Lenders Versus Agency Mortgage GuidelinesContinue

VA Foreclosure Guidelines
Mortgage After Bankruptcy and Foreclosure | VA Loans | video

VA Foreclosure Guidelines In Qualifying For VA Home Loans

ByGustan Cho Posted onJune 12, 2024June 9, 2025

In this article, we will cover and discuss VA  foreclosure guidelines in qualifying for VA loans. VA Foreclosure Guidelines require…

Continue Reading VA Foreclosure Guidelines In Qualifying For VA Home LoansContinue

VA Loan Denial
Mortgage Lender Overlays | VA Loans | video

VA Loan Denial And Qualifying With Lender With No Overlays

ByGustan Cho Posted onJune 10, 2024June 10, 2025

This Article Is About VA Loan Denial And Getting Qualified With Lender With No Overlays There should be no reason why…

Continue Reading VA Loan Denial And Qualifying With Lender With No OverlaysContinue

Conventional Loan After Short Sale vs Foreclosure
Bad Credit Mortgages | Conventional Loans | video

Conventional Loan After Short Sale vs Foreclosure Guidelines

ByGustan Cho Posted onJune 3, 2024June 11, 2025

This  guide covers conventioal loan after short sale vs foreclosure guidelines. Since 2008, millions of Americans have witnessed their equity…

Continue Reading Conventional Loan After Short Sale vs Foreclosure GuidelinesContinue

Buying a House in Washington DC
Bad Credit Mortgages | Home Mortgages | video

Steps To Buying a House in Washington DC

ByGustan Cho Posted onMay 31, 2024June 11, 2025

In this blog, we will cover the frequently asked question of what are the steps to buying a house in…

Continue Reading Steps To Buying a House in Washington DCContinue

HUD Derogatory Credit Guidelines
Bad Credit Mortgages | Charge Off Accounts | Credit Disputes | FHA Loans | video

HUD Derogatory Credit Guidelines On FHA Home Loans

ByAnngelli Abenes Posted onMay 30, 2024June 11, 2025

If you have lower credit scores and multiple prior derogatory credit tradelines, FHA loans are your best bet to get an approve/eligible per automated underwriting system (AUS).

Continue Reading HUD Derogatory Credit Guidelines On FHA Home LoansContinue

Condotel Mortgage Rates
Condominium Loans | video

Condotel Mortgage Rates | Rates on Non-Warrantable Condos

ByAnngelli Abenes Posted onMay 24, 2024June 12, 2025

This Article Is About Condotel Mortgage Rates And Condotel Loan Guidelines. A condotel, or a condo-hotel, is a condominium unit…

Continue Reading Condotel Mortgage Rates | Rates on Non-Warrantable CondosContinue

Buying a Mountain House
Home Purchase | Investment Homes | Real Estate Topic | Second Homes | video

What To Know Before Buying a Mountain House

ByAnngelli Abenes Posted onMay 23, 2024June 12, 2025

This guide covers everything you need to know before buying a mountain house. Discover how to find your dream home…

Continue Reading What To Know Before Buying a Mountain HouseContinue

How Student And Car Loans Affect DTI
High Debt To Income Ratio | Student Loans | video

How Student And Car Loans Affect DTI For Mortgages

ByAnngelli Abenes Posted onMay 23, 2024June 12, 2025

This article will explore how student and car loans affect DTI (Debt-to-Income) mortgage ratios. Auto loans are typically the second-largest…

Continue Reading How Student And Car Loans Affect DTI For MortgagesContinue

Role Of Mortgage Processor
Mortgage Processing And Underwriting | video

Role Of Mortgage Processor During The Mortgage Process

ByAnngelli Abenes Posted onMay 21, 2024June 12, 2025

In this article, we will cover and discuss the role of mortgage processor during the mortgage process. The mortgage processor…

Continue Reading Role Of Mortgage Processor During The Mortgage ProcessContinue

Home Buying Stress
Bad Credit Mortgages | Home Mortgages | video

Home Buying Stress During Mortgage Underwriting Process

ByAnngelli Abenes Posted onMay 20, 2024June 12, 2025

This article is about Why Mortgage Process Is Biggest Home Buying Stress The process of buying a home can be…

Continue Reading Home Buying Stress During Mortgage Underwriting ProcessContinue

Sellers Concessions And Tax Prorations
Home Mortgages | video

Sellers Concessions And Tax Prorations On Illinois Home Purchase

ByAnngelli Abenes Posted onMay 13, 2024June 13, 2025

Understanding Sellers Concessions and Tax Prorations in Illinois Home Purchases Illinois home buyers benefit from a unique financial advantage that…

Continue Reading Sellers Concessions And Tax Prorations On Illinois Home PurchaseContinue

Should I Use Fannie Mae Or Freddie Mac
Automated Underwriting System | video

Should I Use Fannie Mae or Freddie Mac For AUS

ByAnngelli Abenes Posted onMay 10, 2024June 13, 2025

In this article, we’ll discuss about Should I Use Fannie Mae or Freddie Mac for Automated Underwriting Systems (AUS). There…

Continue Reading Should I Use Fannie Mae or Freddie Mac For AUSContinue

Buying a Home With Bad Credit in Nevada
Bad Credit Mortgages | Credit Scores | Home Purchase | video

Buying a Home With Bad Credit in Nevada With Under 600 FICO

ByAnngelli Abenes Posted onMay 9, 2024June 13, 2025

In this article, we will delve into the process of buying a home with bad credit in Nevada, specifically for…

Continue Reading Buying a Home With Bad Credit in Nevada With Under 600 FICOContinue

Verified Assets For Home Loan
Clear To Close | Home Purchase | video

How Mortgage Underwriters Consider Verified Assets For Home Loan

ByAnngelli Abenes Posted onMay 8, 2024June 16, 2025

When applying for a mortgage loan, homebuyers must present verified assets for home loan to the lender. Verified assets include…

Continue Reading How Mortgage Underwriters Consider Verified Assets For Home LoanContinue

Mortgage With Late Payments After Bankruptcy
Home Mortgages | Bad Credit Mortgages | Bankruptcy | video

Mortgage With Late Payments After Bankruptcy And Foreclosure

ByAnngelli Abenes Posted onMay 8, 2024June 16, 2025

Home loans are still available to borrowers with collections, charged-off accounts, or late payments. Lenders are generally willing to approve…

Continue Reading Mortgage With Late Payments After Bankruptcy And ForeclosureContinue

Non-Occupied Co-Borrower
High Debt To Income Ratio | Non-Occupant Co-Borrowers | video

Adding Non-Occupied Co-Borrower With High DTI

ByGustan Cho Posted onMay 2, 2024June 16, 2025

This Article Is About Non-Occupied Co-Borrower Can Be Added To Borrower With High DTI A large percentage of mortgage borrowers…

Continue Reading Adding Non-Occupied Co-Borrower With High DTIContinue

Changes In FHA Guidelines
FHA Loans | First Time Home Buyers | Student Loans | video

Changes In FHA Guidelines For First Time Home Buyers

ByAnngelli Abenes Posted onApril 26, 2024December 17, 2024

This article discusses the changes in FHA guidelines that are particularly relevant to first-time home buyers. The Federal Housing Administration…

Continue Reading Changes In FHA Guidelines For First Time Home BuyersContinue

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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

  • Hard Money Lenders
    Simple Truth: What Are Hard Money Lenders and How They HelpMay 5, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansMay 5, 2025
  • Qualifying for Mortgage with Irregular Income
    Qualifying For Mortgage With Irregular IncomeApril 30, 2025
  • Home Loan with Tax Lien
    Home Loan With Tax Lien And Judgment Mortgage GuidelinesApril 29, 2025

DTI Calculators

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  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limits

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Resources

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  • How To Reach A Human At The Credit Bureaus
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  • Contribute To GCA Mortgage Group
  • GCA Approves When Others Can’t
  • Mortgage Guides and Home Loan Options
  • How To Un-Freeze a Credit File?
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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