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Videos

Home / Videos - Page 19
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, 2024June 25, 2025

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

Appraisal Issues
Appraisal | Videos

Appraisal Issues During Home Buying and Mortgage Process

ByAlex Carlucci Posted onApril 8, 2024July 8, 2025

In this blog, we will discuss and cover appraisal issues during the home buying and mortgage process. The word “appraisal”…

Continue Reading Appraisal Issues During Home Buying and Mortgage ProcessContinue

QM Qualified Mortgages
Home Mortgages | Home Purchase | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Regulations | Videos

How Qualified Mortgages Affect Borrowers and Lenders

ByGustan Cho Posted onApril 8, 2024July 8, 2025

This guide covers how qualified mortgages affect borrowers and lenders on residential loans. To avoid another 2008 financial crisis, Congress…

Continue Reading How Qualified Mortgages Affect Borrowers and LendersContinue

FHA Loan After Chapter 13 Bankruptcy in North Dakota
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | Videos

FHA Loan After Chapter 13 Bankruptcy in North Dakota

ByGustan Cho Posted onApril 7, 2024June 25, 2025

In this blog, we will discuss and cover the mortgage guidelines for getting qualified and approved for an FHA loan…

Continue Reading FHA Loan After Chapter 13 Bankruptcy in North DakotaContinue

Portfolio Loan Programs
NON-QM Loans | Videos

What are Portfolio Loan Programs

ByGustan Cho Posted onApril 5, 2024June 25, 2025

This guide covers portfolio loan programs. We will cover what a portfolio loan is. We will compare the benefit of…

Continue Reading What are Portfolio Loan ProgramsContinue

Bankruptcy Manual Underwriting Guidelines
Manual Underwriting | FHA Loans | Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

Bankruptcy Manual Underwriting Guidelines on FHA and VA Loans

ByGustan Cho Posted onApril 5, 2024June 27, 2025

The bankruptcy manual underwriting guidelines on FHA and VA loans are covered in this guide, which focuses on the exclusive…

Continue Reading Bankruptcy Manual Underwriting Guidelines on FHA and VA LoansContinue

Mortgage With Multiple Jobs
Income And Employment | Gaps In Employment | Home Mortgages | Videos

How To Calculate Income For Mortgage With Multiple Jobs

ByGustan Cho Posted onApril 4, 2024July 8, 2025

This blog will cover and discuss how to calculate income for mortgage with multiple jobs. Homebuyers can qualify for a…

Continue Reading How To Calculate Income For Mortgage With Multiple JobsContinue

Mortgage Lender Complaints and Bad Reviews
Career Opportunities/Loan Officer Training | Videos

Mortgage Lender Complaints and Bad Reviews by Borrowers

ByMike Gracz Posted onApril 4, 2024June 27, 2025

It’s important to note that Mortgage Lender Complaints and Bad Reviews submitted by borrowers do exist, but readers should understand…

Continue Reading Mortgage Lender Complaints and Bad Reviews by BorrowersContinue

Documents Required For Mortgage
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Documents Required For Mortgage Processing and Underwriting

ByDale Elenteny Posted onApril 4, 2024June 27, 2025

This guide covers documents required for mortgage processing and underwriting. All documents required for mortgage processing and underwriting needs to…

Continue Reading Documents Required For Mortgage Processing and UnderwritingContinue

Manual Underwriting Versus Automated Underwriting Guidelines
Mortgage Processing And Underwriting | Videos

Manual Underwriting Versus Automated Underwriting Guidelines

ByGustan Cho Posted onApril 3, 2024June 27, 2025

In this blog, we will cover and discuss manual underwriting versus automated underwriting guidelines. The Automated Underwriting System is a…

Continue Reading Manual Underwriting Versus Automated Underwriting GuidelinesContinue

Rebuilding Credit During Chapter 13 Bankruptcy
FHA Loans | Mortgage After Bankruptcy and Foreclosure | Re-Establishing Credit | Secured Credit Cards | VA Loans | Videos

Rebuilding Credit During Chapter 13 Bankruptcy For a Mortgage

ByGustan Cho Posted onApril 3, 2024June 27, 2025

This guide covers rebuilding credit during Chapter 13 Bankruptcy repayment plan. Rebuilding credit during Chapter 13 Bankruptcy is highly recommended…

Continue Reading Rebuilding Credit During Chapter 13 Bankruptcy For a MortgageContinue

Refinance Mortgage When House Is Still Listed For Sale
Mortgage Refinance | Real Estate Topic | Refinancing | Videos

Refinance Mortgage When House Is Still Listed For Sale By Owners

ByMike Gracz Posted onApril 3, 2024July 2, 2025

In this article, we will discuss and cover Refinance Mortgage When House Is Still Listed For Sale By Owners. In…

Continue Reading Refinance Mortgage When House Is Still Listed For Sale By OwnersContinue

Buying a House in California
Home Purchase | Real Estate Topic | Videos

What Is The Benefit of Buying a House in California Versus Other States

ByMargarett Jurilla Posted onApril 3, 2024July 2, 2025

This guide covers the benefit of buying a house in California versus other states. California reached record home prices Despite…

Continue Reading What Is The Benefit of Buying a House in California Versus Other StatesContinue

FHA Waiting Period After Bankruptcy and Foreclosure
Mortgage After Bankruptcy and Foreclosure | Bad Credit Mortgages | FHA Loans | Videos

FHA Waiting Period After Bankruptcy and Foreclosure

ByGustan Cho Posted onApril 2, 2024July 2, 2025

This article will discuss the FHA Waiting Period After Bankruptcy and Foreclosure. The FHA mandates waiting periods after bankruptcy, foreclosure,…

Continue Reading FHA Waiting Period After Bankruptcy and ForeclosureContinue

Credit Supplement
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

What is a Credit Supplement For a Mortgage

ByGustan Cho Posted onApril 2, 2024July 2, 2025

This guide covers what a credit supplement in a mortgage is and how it works. There are three major credit…

Continue Reading What is a Credit Supplement For a MortgageContinue

Buying House After Selling Home With Late Payments
Bad Credit Mortgages | NON-QM Loans | Videos

Buying House After Selling Home With Late Payments

ByGustan Cho Posted onApril 1, 2024July 2, 2025

In this article, we will cover and discuss buying a house after selling home with late payments. One of the…

Continue Reading Buying House After Selling Home With Late PaymentsContinue

Funds In Bank Statements
Mortgage Processing And Underwriting | Proof of Funds | Videos

Funds In Bank Statements That Cannot Be Used By Lenders

ByGustan Cho Posted onApril 1, 2024July 7, 2025

This guide covers funds in bank statements that mortgage lenders cannot use.  All funds in bank statements that are newer…

Continue Reading Funds In Bank Statements That Cannot Be Used By LendersContinue

Upfront Costs for Mortgage Loans
Mortgage Processing And Underwriting | Appraisal | Home Purchase | Videos

Upfront Costs For Mortgage Loans Prior To Closing

ByDustin Dumestre Posted onApril 1, 2024July 7, 2025

This guide covers upfront costs for mortgage loans prior to closing. What would you do as a borrower if a…

Continue Reading Upfront Costs For Mortgage Loans Prior To ClosingContinue

Build Wealth
First Time Home Buyers | Home Mortgages | Home Purchase | Qualifying & Getting Pre-approved | Videos

Is Homeownership The Best Way To Build Wealth?

ByAlex Carlucci Posted onMarch 31, 2024July 7, 2025

This blog will cover how to build wealth by owning versus renting a home. We will show you how quickly…

Continue Reading Is Homeownership The Best Way To Build Wealth?Continue

Declining And Irregular Income
Income And Employment | Mortgage Denial | Self-Employed Borrowers | Videos

How Mortgage Underwriters View Declining And Irregular Income?

ByGustan Cho Posted onMarch 29, 2024July 7, 2025

In this blog, we will cover and discuss how mortgage underwriters view the declining and irregular income of borrowers. There…

Continue Reading How Mortgage Underwriters View Declining And Irregular Income?Continue

Property Taxes In Mortgage Qualification
Property Taxes | Real Estate | Real Estate Topic | Videos

How Property Taxes in Mortgage Qualification Affects DTI

ByGustan Cho Posted onMarch 29, 2024July 7, 2025

This guide covers property taxes in mortgage qualification and how it affects debt-to-income ratios. For homebuyers, especially first-time home buyers,…

Continue Reading How Property Taxes in Mortgage Qualification Affects DTIContinue

Past Due Versus Collection And Charge Off Accounts
Bad Credit Mortgages | Collection Accounts | FHA Loans | Videos

Past Due Versus Collection And Charge Off Accounts Mortgage Guidelines

ByGustan Cho Posted onMarch 29, 2024July 8, 2025

In this blog, we will discuss and cover Past Due Versus Collection And Charge Off Accounts when qualifying and getting…

Continue Reading Past Due Versus Collection And Charge Off Accounts Mortgage GuidelinesContinue

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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

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    Buying a House in States With Exceptional CampgroundsJuly 18, 2025
  • Feds Start Land Seizures
    Feds Start Land Seizures Along Texas Border To Build WallJuly 17, 2025
  • Waiting Period After Loan Modification
    Waiting Period After Loan Modification to Qualify for a LoanJuly 17, 2025
  • Hard Money Loan Closings
    Need Fast Funding? Hard Money Loan Closings Made SimpleJuly 17, 2025

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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
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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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