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Home / Sapna Sharma

Author: Sapna Sharma

Understanding VA Home Mortgages is important because most lenders have lender overlays
Videos | VA Loans

Understanding VA Home Mortgages For Veteran Homebuyers

BySapna Sharma April 22, 2025April 23, 2025
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In this article, we will cover understanding VA home mortgages for veteran homebuyers. We will cover and discuss the eligibility requirements for active duty and…

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Gift Funds
Gift Funds | Home Purchase

Gift Funds For The Down Payment on a Home Purchase

BySapna Sharma June 27, 2024July 3, 2024
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Gift funds for the down payment on a home purchase are allowed on government and conventional loans for the down payment and closing costs. FHA,…

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What Can Be Used As Income For a Mortgage
Manual Underwriting | Income and Employment | Mortgage Process

What Can Be Used As Income For a Mortgage Approval

BySapna Sharma June 24, 2024June 25, 2024
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In this blog, we will cover and discuss what can be used as income for a mortgage. Other income such as overtime, part-time, bonus, tip,…

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ARM Versus Fixed-Rate Mortgages
Mortgage Rates

ARM Versus Fixed-Rate Mortgages

BySapna Sharma March 18, 2024March 19, 2024
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In this blog, we will cover and compare ARM versus Fixed-Rate Mortgages when buying and refinancing a home. Most mortgage loan programs, whether it is…

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VA Loans With Low Credit Scores
VA Loans With Low Credit Scores

VA Loans With Low Credit Scores

BySapna Sharma February 21, 2024February 22, 2024
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In this blog, we will cover and discuss qualifying for VA loans with low credit scores. Homebuyers do have the opportunity for VA loans with…

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How Do Mortgage Underwriters Calculate Income
Income and Employment

How Do Mortgage Underwriters Calculate Income

BySapna Sharma February 21, 2024February 22, 2024
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In this article, we will cover the frequently asked question by homebuyers on how do mortgage underwriters calculate income when processing and underwriting a mortgage…

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FHA Home Loan Guidelines on Purchase And Refinance
FHA Loans

FHA Home Loan Guidelines on Purchase and Refinance

BySapna Sharma November 24, 2022December 18, 2023
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Apply Now This blog will cover FHA home loan guidelines on purchase and refinance transactions. We will discuss whether you qualify for FHA loan and…

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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.

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Recent Articles

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

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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
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      • MLO License School
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