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Solutions To High Debt To Income Ratios
FHA Loans | High Debt To Income Ratio | Manual Underwriting | Refinancing | VA Loans | video

Solutions To High Debt To Income Ratios On Home Purchase

ByAnngelli Abenes Posted onApril 25, 2024October 8, 2024

Gustan Cho Associates has no lender overlays on debt to income ratio on government and conventional loans. We just go off the agency caps on debt to income ratio no government and conventional loans.

Continue Reading Solutions To High Debt To Income Ratios On Home PurchaseContinue

Recent Late Payment VA Guidelines
Bad Credit Mortgages | VA Loans | video

Recent Late Payment VA Guidelines And Late Payments After Bankruptcy

ByGustan Cho Posted onApril 24, 2024September 23, 2024

VA home loans are ideal for primary residences, offering 100% financing with no down payment required for those who qualify,…

Continue Reading Recent Late Payment VA Guidelines And Late Payments After BankruptcyContinue

NON-QM Cash-Out Debt Consolidation Refinance
Mortgage Refinance | NON-QM Loans | Refinancing | video

NON-QM Cash-Out Debt Consolidation Refinance With 90% LTV

ByMike Gracz Posted onApril 24, 2024August 21, 2024

This Article Is About NON-QM Cash-Out Debt Consolidation Refinance With 90% LTV. The housing market is hot despite rising mortgage…

Continue Reading NON-QM Cash-Out Debt Consolidation Refinance With 90% LTVContinue

Freddie Mac HomeOne Conventional Loan Guidelines On Purchases
Conventional Loans | Freddie Mac HomeOne | video | Videos

Freddie Mac HomeOne Mortgage Loan Program

ByAlex Carlucci Posted onApril 24, 2024April 24, 2024

In this blog, we will cover the Freddie Mac HomeOne Mortgage Loan Program. Fannie Mae and Freddie Mac are the…

Continue Reading Freddie Mac HomeOne Mortgage Loan ProgramContinue

Fannie Mae 5-10 Financed Properties Mortgage Guidelines
Investment Homes | video

Fannie Mae 5-10 Financed Properties Mortgage Guidelines

ByGustan Cho Posted onApril 19, 2024August 21, 2024

This blog post focuses on Fannie Mae 5-10 Financed Properties, which is particularly beneficial for real estate investors. The 2008…

Continue Reading Fannie Mae 5-10 Financed Properties Mortgage GuidelinesContinue

FHA Amendatory Clause
Appraisal | FHA Loans | Home Mortgages | video

What Is The FHA Amendatory Clause And Who Is Obligated To Sign It

ByGustan Cho Posted onApril 18, 2024August 21, 2024

The Federal Housing Administration (FHA), a segment of the United States Department of Housing and Urban Development, was established in…

Continue Reading What Is The FHA Amendatory Clause And Who Is Obligated To Sign ItContinue

Fannie Mae Bankruptcy Guidelines
Mortgage After Bankruptcy and Foreclosure | Conventional Loans | video

Fannie Mae Bankruptcy Guidelines on Conventional Loans

ByMargarett Jurilla Posted onApril 17, 2024October 8, 2024

As per the Fannie Mae Bankruptcy Guidelines for conventional loans, borrowers must follow a mandatory waiting period after filing for…

Continue Reading Fannie Mae Bankruptcy Guidelines on Conventional LoansContinue

Fannie Mae Chapter 13 Guidelines
Mortgage After Bankruptcy and Foreclosure | Bankruptcy | FHA Loans | Manual Underwriting | VA Loans | video

Fannie Mae Chapter 13 Guidelines On Conventional Loans

ByGustan Cho Posted onApril 17, 2024August 19, 2024

After experiencing financial difficulties, it can be overwhelming to navigate the intricacies of mortgage lending. The process can be complex…

Continue Reading Fannie Mae Chapter 13 Guidelines On Conventional LoansContinue

California FHA Loans
Home Mortgages | FHA Loans | First Time Home Buyers | VA Loans | video

California FHA Loans Versus Other Mortgage Options For Homebuyers

ByGustan Cho Posted onApril 16, 2024April 7, 2025

California FHA loans are a preferred mortgage solution for various borrowers, including first-time homebuyers, individuals with poor credit, and those…

Continue Reading California FHA Loans Versus Other Mortgage Options For HomebuyersContinue

Commercial Real Estate Purchase Using FHA Financing
FHA Loans | Commercial Loans | Real Estate | video

Commercial Real Estate Purchase Using FHA Financing

ByAlex Carlucci Posted onApril 12, 2024August 19, 2024

In this blog, we will cover and discuss commercial real estate purchase using FHA financing. In the following paragraphs, we…

Continue Reading Commercial Real Estate Purchase Using FHA FinancingContinue

Community Property States
Home Mortgages | video

Community Property States Mortgage Guidelines On DTI

ByMike Gracz Posted onApril 12, 2024August 19, 2024

This article will tackle the Community Property States Mortgage Guidelines On DTI. Understanding marital property rights can be intricate, especially…

Continue Reading Community Property States Mortgage Guidelines On DTIContinue

Bi-Weekly Mortgage Loan Payments
Home Mortgages | video

Bi-Weekly Mortgage Loan Payments Versus Monthly Payments

ByAlex Carlucci Posted onApril 9, 2024August 16, 2024

Transitioning from monthly to bi-weekly mortgage loan payments can be a strategic move for homeowners looking to expedite their mortgage…

Continue Reading Bi-Weekly Mortgage Loan Payments Versus Monthly PaymentsContinue

12 Month Bank Statement Mortgage For Self-Employed Borrowers
NON-QM Loans | Bank Statement Loans | video | Videos

12 Month Bank Statement Mortgage For Self-Employed Borrowers

ByGustan Cho Posted onApril 8, 2024August 16, 2024

This article covers 12 Month Bank Statement Mortgage For Self-Employed Borrowers Until recently, most self-employed home buyers had a difficult…

Continue Reading 12 Month Bank Statement Mortgage For Self-Employed BorrowersContinue

Home Loan With Bad Credit Texas
Bad Credit Mortgages | Automated Underwriting System | FHA Loans | Manual Underwriting | VA Loans | video

How To Get Approved For Home Loan With Bad Credit Texas

ByMike Gracz Posted onApril 4, 2024April 22, 2025

This article explores the various mortgage options available to homebuyers seeking approval for a home loan with bad credit Texas….

Continue Reading How To Get Approved For Home Loan With Bad Credit TexasContinue

Refinancing NON-QM Loans to Traditional Mortgages
Videos | Conventional Loans | FHA Loans | NON-QM Loans | Refinancing | video

Refinancing NON-QM Loans To Traditional Mortgages

ByGustan Cho Posted onMarch 29, 2024October 22, 2024

In this blog, we will discuss and cover refinancing non-QM loans to government and conventional mortgages. Refinancing NON-QM loans to…

Continue Reading Refinancing NON-QM Loans To Traditional MortgagesContinue

FHA Appraisal Transfer
Appraisal | FHA Loans | video

FHA Appraisal Transfer To A New Mortgage Lender

ByAlex Carlucci Posted onFebruary 6, 2024August 5, 2024

In this blog, we will discuss and cover the FHA appraisal transfer from your old lender to a new mortgage…

Continue Reading FHA Appraisal Transfer To A New Mortgage LenderContinue

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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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Resources

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  • GCA Approves When Others Can’t
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  • 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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