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      • FHA Manual Underwriting Mortgage Guidelines
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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
  • On Title But Not On Note
    Home Mortgage | Home Purchase | Lender Overlays

    Mortgage Agency Guidelines Versus Overlays on Home Loans

    ByGustan Cho March 3, 2025February 6, 2026
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    Borrowers usually hear about mortgage agency guidelines versus overlays when applying for a mortgage. Understanding the differences between the two is important for homebuyers and…

    Read More Mortgage Agency Guidelines Versus Overlays on Home LoansContinue

  • Debts From Ex-Spouse On Credit Report And How It Affects Borrower
    Mortgage After Bankruptcy | Mortgage After Foreclosure

    Waiting Period After Foreclosure To Qualify For Mortgage

    ByGustan Cho February 26, 2025February 27, 2025
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    In this article, we will cover and discuss the waiting period after foreclosure to qualify for mortgage. Foreclosure can have a major financial impact, but…

    Read More Waiting Period After Foreclosure To Qualify For MortgageContinue

  • Foreign National and ITIN Mortgage Loans
    ITIN and Foreign National Mortgages

    Foreign National and ITIN Mortgage Loans

    ByMichael Gracz February 26, 2025February 27, 2025
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    This article aims to thoroughly understand both Foreign National and ITIN mortgage loans, outlining their requirements, benefits, and key considerations. Navigating the U.S. real estate…

    Read More Foreign National and ITIN Mortgage LoansContinue

  • Home Loans for Single Parents
    Home Purchase | FHA Loans | Home Mortgage | USDA Loans | VA Loans

    Home Loans for Single Parents

    ByDale Elenteny February 3, 2025December 16, 2025
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    This article is about different home loans for single parents. Being a single parent is a challenging responsibility, and getting through the home loan process…

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  • Homeowners Insurance Requirement By Lenders For Mortgages
    Home Mortgage | Home Purchase | Home Seller | Homeowners Insurance

    Homeowners Insurance Requirement By Lenders For Mortgages

    ByGustan Cho January 23, 2025February 6, 2026
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    This article covers homeowners insurance requirement by lenders on mortgage loans. Homeowners insurance (Often referred to as HOI) protects the homeowners and lenders. HOI protects…

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  • Qualifying For Home Loan With Tax Lien
    Judgment | Tax Lien

    Qualifying For Home Loan With Tax Lien and Judgment

    ByAnngelli Abenes December 23, 2024December 26, 2024
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    In this article, we will cover and discuss qualifying for home loan with tax lien and judgments. Qualifying for home loan with tax lien is…

    Read More Qualifying For Home Loan With Tax Lien and JudgmentContinue

  • Buying Down Interest Rates With Discount Points On Mortgage
    Mortgage Rates

    Buying Down Interest Rates With Discount Points On Mortgage

    ByGustan Cho December 23, 2024December 26, 2024
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    In this blog, we will cover and discuss buying down interest rates with discount points on mortgage loans. Lenders will charge higher mortgage rates to…

    Read More Buying Down Interest Rates With Discount Points On MortgageContinue

  • Mortgage Rates Versus Credit Scores
    Videos | Mortgage Rates

    How Lenders Price Mortgage Rates Versus Credit Scores

    ByDale Elenteny December 23, 2024January 13, 2026
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    This blog will cover how lenders price mortgage rates versus credit scores. All mortgage companies will price mortgage rates versus credit scores. The higher a…

    Read More How Lenders Price Mortgage Rates Versus Credit ScoresContinue

  • Non-QM Loans One Day Out of Foreclosure
    Non-QM Loans | Mortgage After Bankruptcy | Mortgage After Foreclosure | Mortgage After Short Sale

    Non-QM Loans One Day Out of Foreclosure and Bankruptcy

    ByAnngelli Abenes December 19, 2024December 23, 2024
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    In this article, we will cover qualifying for non-QM loans one day out of foreclosure and bankruptcy. We will discuss how you can now qualify…

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  • GCA Forums
    Real Estate Topic | Commercial Loans | Home Mortgage | Mortgage Process | Mortgage Refinance | Non-QM Loans | Videos

    Great Community Authority Forums: GCA Forums

    BySapna Sharma November 2, 2024January 30, 2026
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    Introduction to GCA Forums, Great Community Authority (GCA) Forums. An overview of Great Community Authority Forums and its parent company, Gustan Cho Associates. The significance…

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  • One Time Close Construction Loans
    Home Mortgage | Mortgage Rates

    Connection of Consumer Confidence and Inflation vs Rates

    ByAnngelli Abenes October 24, 2024December 16, 2025
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    Understanding how consumer confidence and inflation vs rates is key to navigating the housing market. These factors are interconnected, influencing both borrowing costs and broader…

    Read More Connection of Consumer Confidence and Inflation vs RatesContinue

  • Conventional Loans With Collection Accounts
    Conventional loans

    Conventional Loans With Collection Accounts Mortgage Guidelines

    ByGustan Cho August 7, 2024February 6, 2026
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    Apply Now This Article Is About Mortgage Guidelines On Conventional Loans With Collection Accounts Conventional Loans With Collection Accounts Guidelines are implemented and set by Fannie…

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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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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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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
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