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Author: Gustan Cho

Choosing The Right Mortgage Lender
Mortgage Lender Overlays | Bad Credit Mortgage Loans | Videos

Choosing The Right Mortgage Lender With No Overlays

ByGustan Cho May 7, 2025May 8, 2025
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Choosing the right mortgage lender is extremely important. There are thousands of mortgage lenders and which lender do you choose? Getting a referral from a…

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FHA Guidelines on Income and Employment Gaps
Income and Employment | FHA Loans | Gap in Employment | Videos

FHA Guidelines on Income and Employment Gaps

ByGustan Cho May 7, 2025May 8, 2025
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This blog will discuss and cover FHA guidelines on income and employment gaps. We will discuss in detail the FHA guidelines on income and employment…

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How To Prepare Your Home To Sell
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How To Prepare Your Home To Sell

ByGustan Cho May 4, 2025May 6, 2025
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Selling a home isn’t just about putting a “For Sale” sign in the yard. It’s about making your property irresistible to potential buyers getting top…

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FHA Manual Underwriting DTI Guidelines
Manual Underwriting | Videos

FHA Manual Underwriting DTI Guidelines on FHA Loans

ByGustan Cho May 4, 2025May 6, 2025
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In this article, we will cover FHA manual underwriting DTI guidelines on FHA loans. FHA and VA loans are the only two mortgage loan programs…

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Foreign National Mortgages
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Foreign National Mortgages

ByGustan Cho May 1, 2025May 4, 2025
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What is foreign national mortgages? Thanks to its stability, growth potential, and investment opportunities, the U.S. real estate market attracts international buyers. However, the path…

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Home Seller Mistakes
Home Seller

Home Seller Mistakes When Choosing A Real Estate Agent

ByGustan Cho May 1, 2025May 2, 2025
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Selling a home is one of the most significant financial decisions you’ll make in your lifetime. Picking the wrong real estate agent can cost you…

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Low Appraisal Solutions
Appraisal | Videos

Low Appraisal Solutions For Homebuyers and Sellers

ByGustan Cho April 30, 2025April 30, 2025
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This article will cover low appraisal solutions for homebuyers and sellers.  This is why it is very important pricing a home. What good is it…

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Homeowners Association
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Purpose And Fundamentals Of Homeowners Association

ByGustan Cho April 30, 2025May 1, 2025
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Homeowners Association or HOA plays a vital role in many residential communities across the United States. Whether you’re buying your first home or considering moving…

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15-Year Versus 30-Year Fixed-Rate Mortgage Comparison
Home Purchase | Mortgage Rates

15-Year Versus 30-Year Fixed-Rate Mortgage Comparison

ByGustan Cho April 28, 2025April 29, 2025
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When it’s time to buy a home or refinance, one of the biggest decisions you’ll face is choosing between 15-year versus 30-year fixed-rate mortgage. Both…

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Financing Contingency On Real Estate Purchase Contracts
Real Estate Topic

Financing Contingency On Real Estate Purchase Contracts

ByGustan Cho April 28, 2025April 28, 2025
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Financing Contingency on Real Estate Purchase Contracts: What It Means and Why It Matters in 2025 In today’s competitive housing market, homebuyers are doing everything…

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Refinancing With Bad Credit and Low Credit Scores
Manual Underwriting | Mortgage Process

Why Mortgage Loans Do Not Close On Time

ByGustan Cho April 28, 2025April 29, 2025
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Why mortgage loans do not close on time? When you apply for a mortgage, the goal is simple: get to closing day smoothly and on…

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Bad Credit Mortgage Loans | Credit Disputes | Credit Scores

Derogatory Credit Items And Bad Credit Mortgage Guidelines

ByGustan Cho April 28, 2025April 28, 2025
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Qualifying for a Mortgage with Derogatory Credit Items in 2025 Having derogatory credit items on your credit report can feel overwhelming, especially when you’re ready…

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About Us

Gustan Cho Associates Empowered By NEXA Mortgage LLC NMLS 1660690 is America's largest mortgage broker. Gustan Cho Associates is a dba of NEXA Mortgage LLC NMLS 1660690 who is the fastest growing mortgage broker in the nation. Licensed in 48 states including DC, Puerto Rico, and the U.S. Virgin Islands, Gustan Cho Associates has a national reputation for being to approve and close mortgage loans other lenders cannot close. The team at Gustan Cho Associates are experts in helping borrowers with credit scores down to 500 FICO and others who got denied at other mortgage companies. Talk to us today and shop for a house today.

Guidelines

  • FHA Guidelines
  • VA Guidelines
  • USDA Guidelines
  • Conventional Loan Guidelines

Recent Articles

  • A Guide To Buying a Foreclosed Home
    A Guide To Buying a Foreclosed Home
    by Alex Carlcucci
    May 7, 2025
  • Choosing The Right Mortgage Lender
    Choosing The Right Mortgage Lender With No Overlays
    by Gustan Cho
    May 7, 2025

Subsidiary Sites

  • Gustan Cho Associates Mortgage Brokers
  • GCA Mortgage Group
  • GCA Forum

Contact Us

  • Email: alex@gustancho.com, gcho@gustancho.com
  • Phone: (800) 900-8569

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Resources

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  • Mortgage Career Opportunities
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  • Why Gustan Cho Associates
  • DACA Mortgage Loans
  • Gustan Cho Associates Videos
  • Contact Us at Gustan Cho Associates
  • Find Loan Limits
Equal Housing Lender
Gustan Cho NMLS 873293 | Branch Manager NEXA | National Managing Director Gustan Cho Associates Gustan Cho Associates Empowered By NEXA Mortgage, LLC NMLS 1660690, Company State License # AZMB - 099459 Corporate Address: 3100 Ray Road Suite 201 Office 209 Chandler AZ 856226 Company NMLS 1660690 | Gustan Cho Associates Branch NMLS 2315275 | Gustan Cho Associates Regional Branch Address 17W662 Butterfield Road Suite 305 | Oakbrook Terrace, Illinois 60181 | NMLS Consumer Access | Texas Complaint and Recovery | Brokers and Affiliates AXEN is a dba of NEXA Mortgage LLC

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  • About Us
    • Contact Us at Gustan Cho Associates
    • Get Pre-Approved
    • FICO Simulator
    • Why Gustan Cho Associates
    • Our Team at GCA
    • Find Loan Limits
  • Types of Mortgages
    • Purchase
      • Home Purchase Loans
      • Investment Property Loans
    • Refinance
      • Refinance Mortgage Options
      • Rate and Term Refinance Mortgage Loans
      • Chapter 13 Cash-Out Refinance
      • FHA Streamline Refinance Mortgages
      • VA Streamline Refinance
      • Refinancing NON-QM Loans To Conventional Mortgages
      • Refinancing FHA Loans To Conventional Loans
    • Condominium Loans
      • Warrantable Condos
      • Non-Warrantable Condos
      • Condotel Financing
    • FHA Loans
      • FHA Manual Underwriting Mortgage Guidelines
      • FHA Loans After Chapter 13 Bankruptcy Guidelines
      • FHA Loans With Bad Credit and Scores Down To 500 FICO
      • FHA Loan With Judgment
      • FHA Loans With Tax Lien
      • FHA W-2 Income Only FHA
      • FHA Loans with Charged-Offs Account
      • FHA Collections
    • VA Loans
      • VA Manual Underwriting Guidelines For VA Loans
      • VA Loans During Chapter 13 Bankruptcy
      • VA Loan Requirements
      • VA Loan With Bad Credit
      • VA Loans With Charge-Offs
      • VA Loans with Tax Lien
      • VA Loan with Judgment
      • W-2 Income-Only VA Loans
    • USDA Loans
    • Conventional Loans
      • Fannie Mae Foreclosure Guidelines on Conventional Loans
      • FANNIE MAE Bankruptcy Guidelines on Conventional Loans
      • FNMA Tax Lien Guidelines For Conventional Loans
      • FNMA Guidelines on Judgments For Conventional Loans
    • Non-QM Loans
      • Bank Statement Mortgage Loans
      • DSCR Loans
      • Asset-Depletion Mortgage Loans
      • Foreign National Mortgage Loans
      • ITIN Mortgage Loans
      • No-Doc Home Loans
    • Jumbo Mortgages
    • Commercial Loans
    • Bank Statement Mortgage Loans
    • DACA Mortgage Loans
    • Foreign National Mortgage Loans
    • ITIN Mortgage Loans
  • Careers
    • Career Opportunities
      • MLO License School
    • Mortgage Career Opportunities
    • REALTOR-MLO Career Opportunities
  • Videos
  • Testimonials
  • Blog
  • Talk To Loan Officer
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