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Author: Gustan Cho

Home Loan After Bankruptcy And Foreclosure
Mortgage After Bankruptcy | Mortgage After Foreclosure | Videos

Home Loan After Bankruptcy and Foreclosure Guidelines

ByGustan Cho February 10, 2023June 28, 2024
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Apply Now n this article, we will discuss qualifying for a home loan after bankruptcy and foreclosure. The great news for home buyers is that…

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Case Scenario fix the credit
Home Purchase | Credit Scores | Home Mortgage

Monitoring Credit Report To Qualify For A Mortgage

ByGustan Cho February 7, 2023November 4, 2024
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This Article Is About Monitoring Credit Report To Qualify For A Mortgage  It’s up to you and it is your responsibility to have control of…

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Condotel Financing
Real Estate Topic

Curb Appeal When Selling Your Home

ByGustan Cho February 2, 2023June 25, 2024
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In this article, we  will cover the importance of curb appeal when selling your home. We will also discuss how the importance of curb appeal…

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FHA Multi-Family-Unit Self-Sufficiency Test
Multi-Family Mortgages | Multi-Family Homes | Videos

FHA Multi-Family-Unit Self-Sufficiency Test

ByGustan Cho February 2, 2023December 18, 2023
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Apply Now In this article, we will cover FHA multi-family-unit self-sufficiency test. Are you looking to be a homeowner and build a long-term investment strategy…

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Fixing Your Credit To Qualify For Home Loan And Get Pre-Approved
Bad Credit Mortgage Loans | FHA Loans | Re-Establishing Credit | Videos

Fixing Your Credit To Qualify For Home Loan Pre-Approval

ByGustan Cho January 30, 2023January 17, 2024
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Get a Fast Quote: Click Here In this article, we will cover fixing your credit to qualify for home loan to get pre-approved. Credit and…

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How To Get Pre-Approved
Mortgage Process | Home Mortgage | Videos

How To Get Pre-Approved For a Mortgage and Close on Time

ByGustan Cho January 27, 2023December 18, 2023
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Apply Now This blog will cover how to get pre-approved for a mortgage and close on time. For homebuyers, whether first-time home buyers or seasoned…

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Non-QM Loans For Self-Employed Borrowers
Non-QM Loans | Asset-Depletion Mortgages | Bank Statement Mortgages | Videos

Non-QM Loans For Self-Employed Borrower Guidelines

ByGustan Cho January 26, 2023November 8, 2024
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  This Article Is About Non-QM loans for Self-Employed Mortgage Borrower Guidelines. Non-QM loans for self-employed mortgage loans are now available. Self-employed borrowers had a…

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Letter of Explanations
Letter Of Explanation | Videos

Why Mortgage Underwriters Ask For Letter of Explanations?

ByGustan Cho January 26, 2023December 18, 2023
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In this blog, we will cover why mortgage underwriters ask for letter of explanations. Letter of explanations is part of the mortgage process. Anyone who…

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VA Loan With High DTI
High Debt-To-Income Ratio | VA Loans | Videos

VA Loan With High DTI Mortgage Guidelines

ByGustan Cho January 26, 2023December 16, 2024
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This blog will discuss VA loan with high DTI mortgage guidelines for 2023. You can qualify for a VA loan with bad credit with a…

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Mortgage Approval With Late Payments In Past 12 Months
Home Mortgage | Videos

Mortgage Approval With Late Payments In The Past 12 Months

ByGustan Cho January 24, 2023December 18, 2023
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This blog will cover and discuss getting mortgage approval with late payments in the past 12 months. Getting A Mortgage Approval With Late Payments in…

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No-Doc Home Loans
Non-QM Loans

No-Doc Home Loans on Primary Residential Homes

ByGustan Cho January 24, 2023December 18, 2023
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This blog will cover and discuss non-doc home loans on primary residential homes. No-Doc Home Loans was the most popular loan program before the 2008…

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Lender Overlays Explained
Home Mortgage | Lender Overlays | Videos

Mortgage Overlays Explained on Government and Conventional Loans

ByGustan Cho January 24, 2023December 18, 2023
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Apply Now This article will cover mortgage overlays on FHA, VA, and conventional loans. The two most common home mortgage programs are government and conventional…

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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

  • Boosting Credit Scores With Instant Credit
    Boosting Credit Scores With Instant Credit For Mortgage
    by Gustan Cho
    May 31, 2025
  • Title Insurance Protection
    Title Insurance Protection Is Required By All Lenders
    by Gustan Cho
    May 31, 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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  • 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: 5559 S Sossaman Rd | Bldg 1 #101, Mesa, AZ 85212 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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