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GCA Mortgage
  • 2 To 4 Unit Mortgage Loans Mortgage Guidelines And Requirements
    Multi-Family Homes | Multi-Family Mortgages

    2 To 4 Unit Mortgage Loans Mortgage Guidelines And Requirements

    ByGustan Cho May 15, 2025February 6, 2026
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    Are you thinking about getting a 2 to 4 unit mortgage loans? Whether you want to live in one unit and rent out the others…

    Read More 2 To 4 Unit Mortgage Loans Mortgage Guidelines And RequirementsContinue

  • A Guide To Buying a Foreclosed Home
    First-Time Homebuyers | Home Mortgage | Home Purchase

    A Guide To Buying a Foreclosed Home

    ByAlex Carlcucci May 7, 2025January 13, 2026
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    In this guide, we will cover buying a foreclosed home. Foreclosures can be an exciting topic for many potential home buyers. However, buying a foreclosed…

    Read More A Guide To Buying a Foreclosed HomeContinue

  • Choosing The Right Mortgage Lender
    Mortgage Lender Overlays | Bad Credit Mortgage Loans | Videos

    Choosing The Right Mortgage Lender With No Overlays

    ByGustan Cho May 7, 2025July 25, 2025
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    Choosing the right mortgage lender is extremely important. There are thousands of mortgage lenders and which lender do you choose? Getting a referral from a…

    Read More Choosing The Right Mortgage Lender With No OverlaysContinue

  • FHA Guidelines on Income and Employment Gaps
    Income and Employment | FHA Loans | Gap in Employment | Videos

    FHA Guidelines on Income and Employment Gaps

    ByGustan Cho May 7, 2025May 8, 2025
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    This blog will discuss and cover FHA guidelines on income and employment gaps. We will discuss in detail the FHA guidelines on income and employment…

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  • Mortgage and Real Estate Market Updates
    Conventional loans | Condominium Loans | FHA Loans | Real Estate Topic

    Florida Housing Market

    ByAlex Carlcucci May 4, 2025February 10, 2026
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    This guide covers the Florida Housing Market. The state of Florida and the Florida housing market has been on the news recently. With hurricanes being…

    Read More Florida Housing MarketContinue

  • How To Prepare Your Home To Sell
    Home Mortgage | Home Purchase | Home Seller

    How To Prepare Your Home To Sell

    ByGustan Cho May 4, 2025February 6, 2026
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    Selling a home isn’t just about putting a “For Sale” sign in the yard. It’s about making your property irresistible to potential buyers getting top…

    Read More How To Prepare Your Home To SellContinue

  • FHA Manual Underwriting DTI Guidelines
    Manual Underwriting | Videos

    FHA Manual Underwriting DTI Guidelines on FHA Loans

    ByGustan Cho May 4, 2025January 13, 2026
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    In this article, we will cover FHA manual underwriting DTI guidelines on FHA loans. FHA and VA loans are the only two mortgage loan programs…

    Read More FHA Manual Underwriting DTI Guidelines on FHA LoansContinue

  • Foreign National Mortgages
    Home Mortgage | Home Purchase

    Foreign National Mortgages

    ByGustan Cho May 1, 2025February 10, 2026
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    What is foreign national mortgages? Thanks to its stability, growth potential, and investment opportunities, the U.S. real estate market attracts international buyers. However, the path…

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  • Home Seller Mistakes
    Home Seller

    Home Seller Mistakes When Choosing A Real Estate Agent

    ByGustan Cho May 1, 2025May 2, 2025
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    Selling a home is one of the most significant financial decisions you’ll make in your lifetime. Picking the wrong real estate agent can cost you…

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  • Low Appraisal Solutions
    Appraisal | Videos

    Low Appraisal Solutions For Homebuyers and Sellers

    ByGustan Cho April 30, 2025April 30, 2025
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    This article will cover low appraisal solutions for homebuyers and sellers.  This is why it is very important pricing a home. What good is it…

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  • Homeowners Association
    Multi-Family Homes

    Purpose And Fundamentals Of Homeowners Association

    ByGustan Cho April 30, 2025February 6, 2026
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    Homeowners Association or HOA plays a vital role in many residential communities across the United States. Whether you’re buying your first home or considering moving…

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  • Mortgage Process

    Rapid Rescore Process To Raise Scores To Qualify For Mortgage

    BySapna Sharma April 28, 2025April 28, 2025
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    Rapid Rescore Process: How to Quickly Boost Your Credit to Qualify for a Mortgage in 2025 If your credit score is only a few points…

    Read More Rapid Rescore Process To Raise Scores To Qualify For MortgageContinue

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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
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  • 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

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  • GCA Mortgage Group
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Contact Us

  • Email: alex@gustancho.com, gcho@gustancho.com
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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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