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Author: Gustan Cho

Qualifying For Home Loan After Bankruptcy
Mortgage After Bankruptcy | Mortgage After Foreclosure | Mortgage Lender Overlays | Mortgage Process

Qualifying For Home Loan After Bankruptcy And Housing Event

ByGustan Cho June 26, 2024July 4, 2024
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In this article, we will discuss and cover Qualifying For Home Loan After Bankruptcy And Housing Event. The journey to homeownership can be challenging, especially…

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VA Debt To Income Ratio
High Debt-To-Income Ratio | Mortgage Process | mortgage with high debt to income ratio

How To Calculate Debt-To-Income Ratio on Mortgage Loans

ByGustan Cho June 25, 2024June 27, 2024
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In this blog, we will cover and discuss how to calculate debt-to-income ratio on mortgage loans. There are two types of debt-to-income ratios when it…

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How To Get Mortgage Approved With Judgment
Mortgage With Judgment

How To Get Mortgage Approved With Judgment

ByGustan Cho June 25, 2024June 27, 2024
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This guide is about how to get mortgage approved with judgment.  Judgments are one of the worst things you can have on your credit report.  Most creditors…

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Bank Statement Mortgages
Bank Statement Mortgages

Bank Statement Mortgages For Self-Employed Borrowers

ByGustan Cho June 24, 2024June 27, 2024
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In this blog, we will cover and discuss bank statement mortgages for self-employed borrowers. In the past, self-employed borrowers always had an issue qualifying for…

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Closing Costs on House Purchase
Down Payment and Closing Costs | Videos

Closing Costs on House Purchase and Refinance Transactions

ByGustan Cho June 24, 2024June 25, 2024
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In this article, we will cover and discuss the closing costs on house purchase and refinance transactions. Home buyers need to worry about the down…

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Mortgage Loans For Recent College Graduates
Home Purchase | Bad Credit Mortgage Loans

Mortgage Loans For Recent College Graduates

ByGustan Cho June 24, 2024June 25, 2024
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In this blog, we will cover and discuss mortgage loans for recent college graduates. If you have recently graduated from college and have no employment…

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Closing Disclosure Was Replaced By the HUD-1
The Loan Estimate and Closing Disclosure

The Closing Disclosure Was Replaced By the HUD-1

ByGustan Cho June 20, 2024February 17, 2025
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In this blog, we will cover how The Closing Disclosure Was Replaced By the HUD-1 Settlement Statement. Consumers and Mortgage Industry Professionals are getting ready…

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Refer/Eligible per Automated Findings
Automated Underwriting System

What Does Refer/Eligible Per Automated Findings Means?

ByGustan Cho June 20, 2024June 21, 2024
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In this blog, we will cover and discuss what refer/eligible per automated findings means on government and conventional loans. One of the most FAQs we…

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Seller Concessions
Seller Concessions

Seller Concessions By Home Sellers For Buyer’s Closing Costs

ByGustan Cho June 19, 2024June 20, 2024
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Seller concessions are vital in real estate transactions, particularly in a buyer’s market where sellers aim to make their properties more attractive to potential buyers….

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VA Loan Limits
VA Loans

VA Loan Limits

ByGustan Cho June 19, 2024June 20, 2024
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VA loan limits for most counties in the United States were tied to the conforming loan limits set by the Federal Housing Finance Agency (FHFA)….

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Mortgage With Amended Income Tax Returns
mortgage with high debt to income ratio

Mortgage With Amended Income Tax Returns

ByGustan Cho June 19, 2024June 20, 2024
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In this mortgage guide, we will cover qualifying for a mortgage with amended income tax returns.  There are instances where consumers may write more off…

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Manual Underwriting | Home Purchase | Mortgage Process

Upfront Fees During Mortgage Application Process

ByGustan Cho June 11, 2024November 4, 2024
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In this article, we will discuss and cover the upfront fees during mortgage application process. The mortgage application process starts when pre-approved borrowers get a real…

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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
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  • USDA Guidelines
  • Conventional Loan Guidelines

Recent Articles

  • Investment Home Loans
    Investment Home Loans For Real Estate Investors
    by Dale Elenteny
    March 20, 2025
  • Refinancing With an FHA 203k Loan
    Refinancing With an FHA 203k Loan
    by Anngelli Abenes
    March 20, 2025

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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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