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    • PurchaseExpand
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        • Alabama Mortgage Loans
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    • RefinanceExpand
      • Refinance Mortgage Options
      • Rate and Term Refinance Mortgage Loans
      • Chapter 13 Cash-Out Refinance
      • FHA Streamline Refinance Mortgages
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      • Refinancing NON-QM Loans To Conventional Mortgages
      • Refinancing FHA Loans To Conventional Loans
    • Condominium LoansExpand
      • Warrantable Condos
      • Non-Warrantable Condos
      • Condotel Financing
    • FHA LoansExpand
      • 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 LoansExpand
      • 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
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      • VA Loan with Judgment
      • W-2 Income-Only VA Loans
    • USDA Loans
    • Conventional LoansExpand
      • 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 LoansExpand
      • Bank Statement Mortgage Loans
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GCA Mortgage
  • NEXA CEO Mike Kortas Buys FSBO.com
    Career Opportunities-Loan Officer Training | Home Purchase | Home Seller | Mortgage and Real Estate News | Real Estate Topic | Selling Your Home

    NEXA CEO Mike Kortas Buys FSBO.com

    ByGustan Cho February 16, 2026February 16, 2026
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    NEXA CEO Mike Kortas Buys FSBO.com: FSBO.com: Comprehensive Overview of Acquisition and AI-Driven Transformation NEXA  CEO Mike Kortas buys FSBO.com, NEXA Lending CEO Mike Kortas…

    Read More NEXA CEO Mike Kortas Buys FSBO.comContinue

  • VA Funding Fee Mortgage
    First-Time Homebuyers | VA Loans

    VA Funding Fee Mortgage Guidelines For VA Home Loans

    BySapna Sharma January 7, 2026February 6, 2026
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    In this blog, we will discuss and cover the VA funding fee mortgage guidelines for VA home loans. VA loans are the best loan program…

    Read More VA Funding Fee Mortgage Guidelines For VA Home LoansContinue

  • How To Buy A House Online
    Home Mortgage | Home Purchase

    Tips For Shopping For A House Online

    ByGustan Cho December 22, 2025December 22, 2025
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    In 2026, shopping for a house online is no longer a casual pastime—it’s the most common way buyers begin (and often dominate) the entire home…

    Read More Tips For Shopping For A House OnlineContinue

  • First Time Home Buyer Questions
    First-Time Homebuyers

    First-Time Home Buyer Mortgage Requirements: 2025 Guide + Answers

    ByGustan Cho December 16, 2025December 17, 2025
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    Buying your first home is exciting—but it can also feel like you’re trying to pass a test you’ve never studied for. You’ll hear terms like…

    Read More First-Time Home Buyer Mortgage Requirements: 2025 Guide + AnswersContinue

  • Mortgage Rates are Increasing
    Mortgage Lender Overlays | Mortgage Rates

    Mortgage Rates Are Increasing: Simple Guide For Homebuyers

    ByAlex Carlcucci December 12, 2025December 15, 2025
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    If you’re watching the news and keep hearing that mortgage rates are increasing, it can be a scary and confusing experience. You may be thinking,…

    Read More Mortgage Rates Are Increasing: Simple Guide For HomebuyersContinue

  • How Avoiding Bad Mortgage Reviews
    Career Opportunities-Loan Officer Training

    Avoiding Bad Mortgage Reviews With Strong Pre-Approvals

    ByAlex Carlcucci December 3, 2025December 9, 2025
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    Online reviews can make or break your mortgage business. One great review can attract many new homebuyers. One angry review can scare them all away….

    Read More Avoiding Bad Mortgage Reviews With Strong Pre-ApprovalsContinue

  • 50-Year-Mortgage
    FHA Loans | Home Mortgage | Home Purchase | Home Seller

    50-Year Mortgage: Big Help or Big Hidden Trap?

    ByAnngelli Abenes November 13, 2025February 6, 2026
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    The 50-Year Mortgage: Why Everyone’s Talking About It Housing is expensive, mortgage rates are still elevated, and many renters and move-up buyers feel locked out…

    Read More 50-Year Mortgage: Big Help or Big Hidden Trap?Continue

  • How I Passed The NMLS Exam
    Career Opportunities-Loan Officer Training

    How I Passed The NMLS Exam And Then Secured MLO Job

    BySheena Placibe November 12, 2025November 17, 2025
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    How I Easily Passed the NMLS Exam on My First Try — and Landed a Guaranteed MLO Job The day I took my NMLS exam…

    Read More How I Passed The NMLS Exam And Then Secured MLO JobContinue

  • VA Loan After Chapter 7 Versus Chapter 13
    VA Loans | Chapter 13 Cash-Out Refinance | Manual Underwriting | VA Loans After Chapter 13 Bankruptcy | VA Loans During and After Chapter 13 | VA Loans While In Chapter 13 Bankruptcy

    VA Loan After Chapter 7 Versus Chapter 13 Bankruptcy

    BySheena Placibe November 12, 2025November 14, 2025
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    VA Loans After Bankruptcy: Veterans’ Path to Rebuilding and Requalifying for Homeownership VA Loan After Chapter 7 Versus Chapter 13 is frequently asked by veterans…

    Read More VA Loan After Chapter 7 Versus Chapter 13 BankruptcyContinue

  • HOW STOCK MARKET AFFECTS RATES?
    Mortgage Rates

    Stock Market Performance: How It Affects Mortgage Markets

    ByAlex Carlcucci October 28, 2025October 29, 2025
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    When most people say stock market performance, they ask a simple question: How are stocks doing, and what does that mean for me? The challenge…

    Read More Stock Market Performance: How It Affects Mortgage MarketsContinue

  • VA Loan Limits
    VA Loans

    VA Loan Limits

    ByGustan Cho October 13, 2025February 6, 2026
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    For many veterans and active-duty service members, a VA home loan is the key to affordable homeownership. Insured by the U.S. Department of Veterans Affairs,…

    Read More VA Loan LimitsContinue

  • Mortgage Loan Officer Career Opportunities
    Career Opportunities-Loan Officer Training

    Remote Mortgage Loan Officer Career Opportunities

    ByGustan Cho October 13, 2025January 20, 2026
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    A career as a remote mortgage loan originator can be one of the most rewarding and highest-paying careers available today. Gustan Cho Associates dba of NEXA…

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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.

Regulated by IDFPR – Residential Mortgage Banking 555 West Monroe St., Ste 500 Chicago, Illinois 60661, 844-768-1713

Guidelines

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

Recent Articles

  • NEXA CEO Mike Kortas Buys FSBO.com
    NEXA CEO Mike Kortas Buys FSBO.com
    by Gustan Cho
    February 16, 2026
  • VA Funding Fee Mortgage
    VA Funding Fee Mortgage Guidelines For VA Home Loans
    by Sapna Sharma
    January 7, 2026

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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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 999 Oakmont Plaza Drive Suite 600 Westmont IL 60559 | For licensing information, go to www.nmlsconsumeraccess.org | 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
    • Wholesale Lender Directory
    • Our Team at GCA
    • GCA Mortgage Group and Subsidiaries
    • GCA Forums
    • Find Loan Limits
  • Types of Mortgages
    • Purchase
      • Home Purchase Loans
        • Alabama Mortgage 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
      • Debt-Service Coverage Loans
      • Asset-Depletion Mortgage Loans
      • Foreign National Mortgage Loans
      • ITIN Mortgage Loans
      • No-Doc Home Loans
    • Jumbo Loan
    • 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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