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      • FHA Manual Underwriting Mortgage Guidelines
      • FHA Loans After Chapter 13 Bankruptcy Guidelines
      • FHA Loans With Bad Credit and Scores Down To 500 FICO
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      • VA Manual Underwriting Guidelines For VA Loans
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    • USDA Loans
    • Conventional LoansExpand
      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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    • Non-QM LoansExpand
      • Bank Statement Mortgage Loans
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GCA Mortgage
  • Job Loss During Mortgage Process
    Gap in Employment | Income and Employment

    Job Loss During Mortgage Process & How To Proceed To Close

    BySapna Sharma April 28, 2025April 28, 2025
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    Job Loss During Mortgage Process: What To Do and How To Still Close on Your Home in 2025 Losing your job while you’re in the…

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  • Refinancing With Bad Credit and Low Credit Scores
    Manual Underwriting | Mortgage Process

    Why Mortgage Loans Do Not Close On Time

    ByGustan Cho April 28, 2025April 29, 2025
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    Why mortgage loans do not close on time? When you apply for a mortgage, the goal is simple: get to closing day smoothly and on…

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  • Bad Credit Mortgage Loans | Credit Disputes | Credit Scores

    Derogatory Credit Items And Bad Credit Mortgage Guidelines

    ByGustan Cho April 28, 2025January 15, 2026
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    Qualifying for a Mortgage with Derogatory Credit Items in 2025 Having derogatory credit items on your credit report can feel overwhelming, especially when you’re ready…

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  • Rate and Term Refinance Mortgage Loans
    Mortgage Refinance

    Homeowners Should Consider Refinancing Due To Low Rates

    ByGustan Cho April 24, 2025April 24, 2025
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    With mortgage rates trending downward in 2025, homeowners should consider refinancing. They can lower their monthly payments, cut long-term interest costs, and even tap into…

    Read More Homeowners Should Consider Refinancing Due To Low RatesContinue

  • Qualifying For Mortgage With Bad Credit And Late Payments
    Credit Scores

    5 Factors That Affect Credit Scores For Mortgage Borrowers

    BySapna Sharma April 24, 2025April 24, 2025
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    If you plan to buy a home, understanding the factors affecting credit scores is crucial. Your credit score isn’t just a number; it decides if…

    Read More 5 Factors That Affect Credit Scores For Mortgage BorrowersContinue

  • https://gustancho.com/wp-content/uploads/2021/04/Mortgage-Rates-With-Low-Credit-Scores-And-Pricing-Adjustments.jpg
    Mortgage Rates

    Mortgage Interest Rates Drop To Benefit Homeowners In Refinancing

    ByGustan Cho April 24, 2025February 6, 2026
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    In early 2025, mortgage interest rates drop, giving homeowners a chance to refinance their existing loans. This change in the financial landscape is influenced by…

    Read More Mortgage Interest Rates Drop To Benefit Homeowners In RefinancingContinue

  • Chapter 13 Mortgage Guidelines
    Mortgage After Bankruptcy | Chapter 13 Cash-Out Refinance | Mortgage After Foreclosure | VA Loans After Chapter 13 Bankruptcy | VA Loans During and After Chapter 13 | VA Loans While In Chapter 13 Bankruptcy | Videos

    Chapter 13 Mortgage Guidelines For FHA and VA Loans

    ByGustan Cho April 22, 2025November 14, 2025
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    In this article, we will cover Chapter 13 Mortgage Guidelines for FHA and VA loans. Both FHA and VA loans Chapter 13 Mortgage Guidelines are…

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  • Things To Avoid During Mortgage Process
    Mortgage Process | Manual Underwriting | Videos

    Things To Avoid During Mortgage Process

    BySapna Sharma April 21, 2025April 22, 2025
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    Getting a mortgage is a big step toward owning a home, but it requires following some strict guidelines along the way. One wrong move during…

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  • Investment Home Loans
    Investment Home Loans

    Investment Home Loans For Real Estate Investors

    ByDale Elenteny March 20, 2025March 24, 2025
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    Investment properties continue to be one of the best wealth-building tools in 2025. Whether you’re looking to buy your first rental, buy, upgrade, and sell…

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  • Refinancing With an FHA 203k Loan
    FHA 203k Loans | Refinance | Renovation Mortgage Loans

    Refinancing With an FHA 203k Loan

    ByAnngelli Abenes March 20, 2025March 24, 2025
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    In this article, we will cover and discuss refinancing with an FHA 203k Loan. An FHA 203k refinance loan might be the perfect solution. Whether…

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  • Mortgage Guidelines After Chapter 7 Bankruptcy On Home Purchase
    Mortgage After Bankruptcy

    Mortgage Guidelines After Chapter 7 Bankruptcy On Home Purchase

    ByGustan Cho March 7, 2025March 10, 2025
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    Home Buyers can qualify for home loans after bankruptcy if they meet mortgage guidelines after Chapter 7 Bankruptcy. Chapter-7 bankruptcy is a legal process that…

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  • Florida Mortgage Lenders With No Investor Overlays
    Mortgage Lender Overlays

    Florida Mortgage Lenders With No Investor Overlays

    ByAlex Carlcucci March 6, 2025January 14, 2026
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    Finding mortgage lenders with no investor overlays in Florida can make a significant difference in securing home financing. Investor overlays are additional lender-imposed guidelines that…

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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

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  • GCA Mortgage Group
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Contact Us

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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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