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Videos

Home / Videos - Page 27
FHA W-2 Income Only Mortgage With No Income Tax Returns
FHA Loans | Home Mortgages | Income And Employment | Videos

FHA W-2 Income Only Mortgage With No Income Tax Returns

ByGustan Cho Posted onFebruary 5, 2024August 5, 2024

The FHA W-2 Income Only Mortgage Lending Guidelines provide a pathway for borrowers to qualify for an FHA loan based…

Continue Reading FHA W-2 Income Only Mortgage With No Income Tax ReturnsContinue

Credit Tradelines Requirements
Re-Establishing Credit | Videos

Credit Tradelines Requirements To Qualify For Mortgage Loans

ByAlex Carlucci Posted onFebruary 5, 2024August 5, 2024

In this article, we will delve into the credit tradelines requirements essential for mortgage loan application eligibility. The credit tradelines…

Continue Reading Credit Tradelines Requirements To Qualify For Mortgage LoansContinue

Low Appraisal on Home Purchase
Appraisal | Home Purchase | Real Estate Topic | Videos

Low Appraisal on Home Purchase and Solutions For Borrowers

ByAlex Carlucci Posted onFebruary 5, 2024August 5, 2024

This guide covers low appraisal on home purchase and solutions for mortgage borrowers. We will discuss solutions to low appraisal…

Continue Reading Low Appraisal on Home Purchase and Solutions For BorrowersContinue

Avoiding Home Loan Denial During The Mortgage Process
Mortgage Processing And Underwriting | Mortgage Lender Overlays | Videos

Avoiding Home Loan Denial During The Mortgage Process

ByGustan Cho Posted onFebruary 5, 2024May 15, 2024

This guide covers avoiding home loan denial during the mortgage process. We will go deeply in giving our viewers tips…

Continue Reading Avoiding Home Loan Denial During The Mortgage ProcessContinue

Gift Of Equity On Home Purchase
Home Purchase | Gift of Equity | Videos

Gift of Equity on Home Purchase Mortgage Guidelines

ByAlex Carlucci Posted onFebruary 5, 2024August 5, 2024

In this blog, we will cover and discuss the gift of equity on home purchase mortgage guidelines. Many people want…

Continue Reading Gift of Equity on Home Purchase Mortgage GuidelinesContinue

How To Get Refer To Approve-Eligible Per AUS
Automated Underwriting System | Videos

How To Get Refer To Approve-Eligible Per AUS Approval

ByGustan Cho Posted onFebruary 5, 2024August 5, 2024

How To Get Refer To Approve-Eligible Per AUS To Qualify For Mortgage: There are ways of trying to get a refer/eligible findings to an approve/eligible per automated underwriting system.

Continue Reading How To Get Refer To Approve-Eligible Per AUS ApprovalContinue

Manufactured Home Financing Requirements
Home Purchase | Manufactured Homes | Real Estate Topic | Videos

Manufactured Home Financing Requirements

ByGustan Cho Posted onFebruary 5, 2024April 7, 2025

This guide covers manufactured home financing requirements. Many home buyers of manufactured home financing have a difficult time getting it….

Continue Reading Manufactured Home Financing RequirementsContinue

How Credit Disputes Affect Mortgage Process
Collection Accounts | Credit Disputes | Home Mortgages | Mortgage Processing And Underwriting | Videos

How Credit Disputes Affect Mortgage Process

ByApril Ramirez Posted onFebruary 5, 2024February 23, 2024

In this article, we will cover and discuss how credit disputes affect mortgage process and cause loan denial. The pre-approval…

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Fannie Mae Guidelines on Community Property States
Home Mortgages | Conventional Loans | FHA Loans | High Debt To Income Ratio | Videos

Fannie Mae Guidelines on Community Property States

ByEric Jeanette Posted onFebruary 5, 2024April 9, 2025

This guide provides clear information about Fannie Mae’s rules for Community Property States, helping people looking for mortgage information. It…

Continue Reading Fannie Mae Guidelines on Community Property StatesContinue

Mortgage types
Home Mortgages | Investment Homes | NON-QM Loans | Qualifying & Getting Pre-approved | Videos

Which Mortgage Is Right for Me? The Top 5 Mortgage Types

ByGustan Cho Posted onFebruary 4, 2024February 10, 2025

Every mortgage borrower is different. Your income, debts, credit rating, savings, and goals are unlike anyone else’s. The best mortgage for your neighbor might be the worst home loan for you.

Continue Reading Which Mortgage Is Right for Me? The Top 5 Mortgage TypesContinue

VA Credit Score Agency Guidelines Versus Lender Overlays
VA Loans | Mortgage Lender Overlays | Videos

VA Credit Score Agency Guidelines Versus Lender Overlays

ByGustan Cho Posted onFebruary 3, 2024May 21, 2024

This guide covers VA credit agency guidelines versus lender overlays on VA loans. Understanding VA Credit Score Agency Guidelines is…

Continue Reading VA Credit Score Agency Guidelines Versus Lender OverlaysContinue

Fannie Mae Second Home Guidelines
Home Purchase | NON-QM Loans | Second Homes | Videos

Fannie Mae Second Home Guidelines on Conventional Loans

ByGustan Cho Posted onFebruary 2, 2024May 12, 2025

This guide explains Fannie Mae second home guidelines, especially vacation properties. As of 2025, a minimum down payment of 10%…

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Mortgage After Unemployment
Gaps In Employment | Income And Employment | Videos

Mortgage After Unemployment With Job Gaps

ByGustan Cho Posted onFebruary 2, 2024April 7, 2025

This article will discuss and cover qualifying for a mortgage after unemployment. Homebuyers do not need a two-year employment history…

Continue Reading Mortgage After Unemployment With Job GapsContinue

Moving To Another Owner-Occupied Home
Home Mortgages | Videos

Moving To Another Owner-Occupied Home Without Selling

ByAlex Carlucci Posted onFebruary 2, 2024April 28, 2025

In this blog, we will cover and discuss buying and moving to another owner-occupied home without selling their first home….

Continue Reading Moving To Another Owner-Occupied Home Without SellingContinue

FHA Guidelines on Manufactured Home Loans
FHA Loans | Manufactured Homes | Videos

FHA Guidelines on Manufactured Home Loans

ByGustan Cho Posted onFebruary 2, 2024February 22, 2024

This guide covers FHA Guidelines on Manufactured Home Loans. FHA Guidelines on manufactured home loans are released. HUD, the parent…

Continue Reading FHA Guidelines on Manufactured Home LoansContinue

Mortgage Guidelines on Defaulted Student Loans
Student Loans | Income And Employment | Videos

Mortgage Guidelines on Defaulted Student Loans

ByDale Elenteny Posted onFebruary 2, 2024April 9, 2025

Borrowers cannot qualify for a mortgage with defaulted federal student loans until the student loans are out of default.

Continue Reading Mortgage Guidelines on Defaulted Student LoansContinue

On Title But Not On Mortgage
Home Mortgages | Real Estate Topic | Videos

Can Homeowners Be on Title But Not on Mortgage

ByGustan Cho Posted onFebruary 2, 2024February 22, 2024

The primary emphasis of this blog centers around the waiting period obligations that individuals face after foreclosure, specifically those on…

Continue Reading Can Homeowners Be on Title But Not on MortgageContinue

FHA Loans After Unemployment
Gaps In Employment | FHA Loans | Income And Employment | Videos

FHA Loans After Unemployment Mortgage Guidelines

ByGustan Cho Posted onJanuary 30, 2024February 19, 2025

This blog examines the eligibility requirements for FHA loans after unemployment or employment gaps. Prospective FHA loan applicants now have…

Continue Reading FHA Loans After Unemployment Mortgage GuidelinesContinue

Fannie Mae Rental Income Guidelines And Requirements
Videos

Fannie Mae Rental Income Guidelines And Requirements

ByMike Gracz Posted onJanuary 30, 2024February 22, 2024

This blog post will explore Fannie Mae rental income guidelines and lending requirements. We will focus on elucidating the latest…

Continue Reading Fannie Mae Rental Income Guidelines And RequirementsContinue

FHA Appraisals Versus Conventional Appraisals
Appraisal | Conventional Loans | FHA Loans | Videos

FHA Appraisals Versus Conventional Appraisals Guidelines

ByMargarett Jurilla Posted onJanuary 30, 2024July 29, 2024

This article examines and clarifies the criteria for FHA Appraisals Versus Conventional Appraisals. There are significant differences in the guidelines…

Continue Reading FHA Appraisals Versus Conventional Appraisals GuidelinesContinue

Escrow Hold Back
Mortgage Processing And Underwriting | Clear To Close | Home Purchase | Home Sellers | Real Estate Topic | Videos

Escrow Hold Back For Home Repairs

ByGustan Cho Posted onJanuary 30, 2024April 30, 2025

This article will cover what escrow hold back is in the mortgage loan process. We will discuss escrow hold back…

Continue Reading Escrow Hold Back For Home RepairsContinue

How Underwriters Analyze Bank Statements
Mortgage Processing And Underwriting | Income And Employment | Qualifying & Getting Pre-approved | Videos

How Underwriters Analyze Bank Statements of Borrowers

ByGustan Cho Posted onJanuary 30, 2024February 26, 2024

This article delves into how underwriters analyze bank statements of borrowers. When individuals seek a mortgage loan, underwriters deem 60…

Continue Reading How Underwriters Analyze Bank Statements of BorrowersContinue

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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

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Equal Housing Opportunity Lender Gustan Cho Associates empowered by NEXA Mortgage LLC. NMLS# 1660690,
Corporate Address: 3100 Ray Road Suite 201 Office # 209 | Chandler AZ 85226 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
      • 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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