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Videos

Home / Videos - Page 24
Automated Underwriting System Findings On Home Mortgages
Automated Underwriting System | Home Mortgages | Manual Underwriting | Videos

Automated Underwriting System Findings On Home Mortgages

ByGustan Cho Posted onMarch 18, 2024March 19, 2024

In this blog, we will cover and discuss the automated underwriting system approval, which is also referred to as AUS…

Continue Reading Automated Underwriting System Findings On Home MortgagesContinue

Do I Have To Pay Collections For FHA Loan
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Conventional Loans | FHA Loans | Videos

Do I Have To Pay Collections For FHA Loan Approval

ByGustan Cho Posted onMarch 18, 2024September 23, 2024

This guide covers the frequently asked question do I have to pay collections for FHA loan approval. We will discuss…

Continue Reading Do I Have To Pay Collections For FHA Loan ApprovalContinue

97 LTV Conventional Loan
Conventional Loans | First Time Home Buyers | Mortgage Insurance | Videos

Fannie Mae 97 LTV Conventional Loan Mortgage Guidelines

ByGustan Cho Posted onMarch 18, 2024December 17, 2024

This guide covers the 97 LTV conventional loan mortgage guidelines for first-time homebuyers. Fannie Mae and Freddie Mac 97 LTV…

Continue Reading Fannie Mae 97 LTV Conventional Loan Mortgage GuidelinesContinue

The Struggle of Car Loans
Auto Loans | High Debt To Income Ratio | Home Mortgages | Income And Employment | Qualifying & Getting Pre-approved | Videos

The Struggle of Car Loans During Mortgage Process

ByAlex Carlucci Posted onMarch 18, 2024August 9, 2024

This guide cover the struggle of car loans during the mortgage process. Looking to buy a new car? Like most…

Continue Reading The Struggle of Car Loans During Mortgage ProcessContinue

Shopping For Mortgage With Poor Credit
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Credit Scores | FHA Loans | Mortgage Rates | Qualifying & Getting Pre-approved | Videos

Shopping For Mortgage With Poor Credit and Low Credit Scores

ByGustan Cho Posted onMarch 18, 2024August 9, 2024

In this blog, we will discuss and cover shopping for mortgage with poor credit and low credit scores. Shopping for…

Continue Reading Shopping For Mortgage With Poor Credit and Low Credit ScoresContinue

FHA Guidelines During vs After Chapter 13 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

FHA Guidelines During vs After Chapter 13 Bankruptcy

ByGustan Cho Posted onMarch 17, 2024August 9, 2024

This guide cover the FHA guidelines during vs after Chapter 13 Bankruptcy on FHA loans. VA and FHA guidelines during…

Continue Reading FHA Guidelines During vs After Chapter 13 BankruptcyContinue

Mortgage After Short Sales in Chicago
Mortgage After Bankruptcy and Foreclosure | FHA Loans | NON-QM Loans | Qualifying & Getting Pre-approved | Videos

Mortgage After Short Sales in Chicago FAQ and Answers

ByAlex Carlucci Posted onMarch 16, 2024August 9, 2024

This guide covers approved mortgage after short sale in Chicago FAQ and answers. Ronda Butts covers getting approved for a…

Continue Reading Mortgage After Short Sales in Chicago FAQ and AnswersContinue

High-Balance Conforming Loans For High-Cost Homebuyers
Videos | Conventional Loans | High-Balance Mortgage Loans

High-Balance Conforming Loans in High-Cost Areas

ByGustan Cho Posted onMarch 16, 2024January 14, 2025

In this blog, we will cover and discuss high-balance conforming loans for high-cost homebuyers. There are certain areas throughout the…

Continue Reading High-Balance Conforming Loans in High-Cost AreasContinue

Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Qualifying & Getting Pre-approved | Re-Establishing Credit | Regulations | Videos

Statute of Limitations on Collection Accounts and Bad Credit

ByGustan Cho Posted onMarch 16, 2024August 9, 2024

In this blog, we will cover and discuss the statute of limitations on collection accounts and charge-offs. We will go…

Continue Reading Statute of Limitations on Collection Accounts and Bad CreditContinue

VA Loans Bad Credit Tennessee With No Lender Overlays
Videos | Charge Off Accounts | Collection Accounts | Qualifying & Getting Pre-approved | Re-Establishing Credit | VA Loans

VA Loans Bad Credit Tennessee With Low Scores

ByGustan Cho Posted onMarch 16, 2024July 28, 2025

Homebuyers can qualify for VA loans bad credit Tennessee with under 620 credit scores. The United States Department of Veterans…

Continue Reading VA Loans Bad Credit Tennessee With Low ScoresContinue

Refinancing With Judgment
Judgment | Refinancing | Videos

Refinancing With Judgment Mortgage Lending Guidelines

ByGustan Cho Posted onMarch 15, 2024July 3, 2025

In this blog, we will cover and discuss refinancing with judgment mortgage lending guidelines. Mortgage rates are still low and…

Continue Reading Refinancing With Judgment Mortgage Lending GuidelinesContinue

HUD Facts Versus Fictions on FHA Loans
FHA Loans | Videos

FHA Facts Versus Fiction of Qualifying For FHA Loans

ByGustan Cho Posted onMarch 15, 2024August 9, 2024

This guide covers FHA facts versus fiction of qualifying for FHA loans. The U.S. Department of Housing Administration (HUD) is…

Continue Reading FHA Facts Versus Fiction of Qualifying For FHA LoansContinue

Remote Wage-Earner Mortgage Guidelines
Income And Employment | High Debt To Income Ratio | Videos

Remote Wage-Earner Mortgage Guidelines on Home Loans

ByGustan Cho Posted onMarch 15, 2024January 31, 2025

This guide covers remote wage-earner mortgage guidelines on home loans. Remote Wage-Earner Mortgage Guidelines On Home Loans allow borrowers who…

Continue Reading Remote Wage-Earner Mortgage Guidelines on Home LoansContinue

automated approval
Automated Underwriting System | Compensating Factors | Manual Underwriting | Videos

Automated Approval By The Automated Underwriting System

ByGustan Cho Posted onMarch 15, 2024October 9, 2024

In this blog, we will cover and discuss the automated approval by the automated underwriting system. It is key to…

Continue Reading Automated Approval By The Automated Underwriting SystemContinue

FHA Versus Conforming Loan Limits
Home Mortgages | FHA Loans | Real Estate Topic | Videos

FHA Versus Conforming Loan Limits on Home Purchase

ByGustan Cho Posted onMarch 14, 2024August 9, 2024

This guide covers FHA versus conforming loan limits on home purchase and refinance transactions. FHA versus conforming loan limits on…

Continue Reading FHA Versus Conforming Loan Limits on Home PurchaseContinue

Preparing For Mortgage Process In Illinois
Home Purchase | Mortgage Processing And Underwriting | Property Taxes | Real Estate Topic | Videos

Preparing For Mortgage Process In Illinois

ByGustan Cho Posted onMarch 14, 2024August 9, 2024

This guide covers preparing for mortgage process in Illinois. Preparing For Mortgage Process In Illinois is different than other states….

Continue Reading Preparing For Mortgage Process In IllinoisContinue

Loan Estimate Versus Closing Disclosure
Home Mortgages | Mortgage Processing And Underwriting | Regulations | Videos

Loan Estimate Versus Closing Disclosure Closing Costs

ByAlex Carlucci Posted onMarch 14, 2024July 29, 2025

Closing costs on the Loan Estimate versus Closing Disclosure will most likely be different. The itemized closing costs on the…

Continue Reading Loan Estimate Versus Closing Disclosure Closing CostsContinue

How To Shop For A Mortgage In Today's Housing Market
Home Mortgages | Home Purchase | Real Estate Topic | Videos

How To Shop For a Mortgage In Today’s Housing Market

ByJohn Strange Posted onMarch 13, 2024July 29, 2025

In this blog, we will cover and discuss how to shop for a mortgage in today’s housing market. Just over…

Continue Reading How To Shop For a Mortgage In Today’s Housing MarketContinue

Warehouse Line of Credit
Home Mortgages | Mortgage Processing And Underwriting | Videos

Warehouse Line of Credit Used By Mortgage Bankers

ByGustan Cho Posted onMarch 13, 2024August 9, 2024

In this blog, we will discuss and cover the warehouse line of credit used by mortgage bankers and correspondent lenders….

Continue Reading Warehouse Line of Credit Used By Mortgage BankersContinue

HUD Bankruptcy Guidelines
Videos | Bad Credit Mortgages | Compensating Factors | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Re-Establishing Credit

HUD Bankruptcy Guidelines After Chapter 7 And Chapter 13

ByGustan Cho Posted onMarch 13, 2024September 5, 2025

This article will discuss HUD bankruptcy guidelines following Chapter 7 and Chapter 13 bankruptcy, particularly about FHA loans. HUD Bankruptcy…

Continue Reading HUD Bankruptcy Guidelines After Chapter 7 And Chapter 13Continue

Home Mortgage Case Scenarios For Home Buyers
Home Mortgages | First Time Home Buyers | Videos

Home Mortgage Case Scenarios For Homebuyers

ByJohn Strange Posted onMarch 12, 2024March 14, 2024

This guide covers home mortgage case scenarios for homebuyers. Many borrowers have trouble qualifying for conventional and FHA mortgage financing….

Continue Reading Home Mortgage Case Scenarios For HomebuyersContinue

Traditional and Non-QM Mortgage Loan Programs
NON-QM Loans | Jumbo Loans | Videos

Traditional and Non-QM Mortgage Loan Programs

ByDale Elenteny Posted onMarch 11, 2024April 7, 2025

Dozens of non-QM loan programs have been launched for 2021. The dozens of alternative mortgage loan programs is fueling the booming housing market and drying up inventory of home. Thus, it is skyrocketing home prices even more.

Continue Reading Traditional and Non-QM Mortgage Loan ProgramsContinue

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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

  • Washington DC Lenders
    Washington DC Lenders For Traditional and Non-QM MortgagesSeptember 12, 2025
  • Mortgage Escrow Account
    What is a Mortgage Escrow Account for Purchase and RefinanceSeptember 11, 2025
  • Colorado VA Lenders
    Colorado VA Lenders For Bad Credit With No Lender OverlaysSeptember 10, 2025
  • Mortgage Guidelines After Unemployment
    Mortgage Guidelines After Unemployment You Can TrustSeptember 10, 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 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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