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GCA Mortgage
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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Mortgage Loan Officer Career Opportunities
Career Opportunities-Loan Officer Training

Remote Mortgage Loan Officer Career Opportunities

ByGustan Cho June 27, 2024July 3, 2024
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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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Reverse Mortgage Loans
Refinance | Reverse Mortgages

Reverse Mortgage Loans For Seniors With Equity in Homes

ByGustan Cho June 27, 2024July 3, 2024
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In this blog, we will cover and discuss reverse mortgage loans for seniors.  Senior homeowners with equity in their homes are eligible for reverse mortgage…

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First Time Homebuyer Mortgage Questions On House Purchase
First-Time Homebuyers | Home Purchase

First Time Homebuyer Mortgage Questions On House Purchase

ByGustan Cho June 26, 2024July 10, 2024
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In this article, we will discuss and cover First Time Homebuyer Mortgage Questions On House Purchase. Buying a home for the first time is an…

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FHA Loan With Medical Collections And Charge Offs
Credit Scores | Collections and Charged-Off Accounts | Credit Disputes

FHA Loan With Medical Collections And Charge Offs Guidelines

ByGustan Cho June 26, 2024May 29, 2025
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All lenders need to meet agency mortgage guidelines by HUD. However, most lenders will have additional mortgage requirements that are above and beyond those of…

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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, 2024May 29, 2025
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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, 2024May 29, 2025
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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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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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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

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Recent Articles

  • The Buyers Market Versus The Sellers Market
    The Buyers Market Versus The Sellers Market in Real Estate
    by Michael Gracz
    June 5, 2025
  • Refinancing With Bad Credit and Low Credit Scores
    First-Time Home Buyers FAQ on Qualifying For Mortgage
    by Gustan Cho
    June 5, 2025

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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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