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  • Types of MortgagesExpand
    • PurchaseExpand
      • Home Purchase LoansExpand
        • Alabama Mortgage Loans
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    • RefinanceExpand
      • Refinance Mortgage Options
      • Rate and Term Refinance Mortgage Loans
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      • FHA Streamline Refinance Mortgages
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    • Condominium LoansExpand
      • Warrantable Condos
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      • 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
  • Fannie Mae Bankruptcy And Foreclosure Guidelines
    Conventional loans | FHA Loans

    Fannie Mae Bankruptcy and Foreclosure Guidelines

    ByGustan Cho August 7, 2024August 7, 2024
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    This guide will cover Fannie Mae bankruptcy and foreclosure guidelines The Fannie Mae bankruptcy and foreclosure guidelines require a mandatory waiting period for homebuyers seeking…

    Read More Fannie Mae Bankruptcy and Foreclosure GuidelinesContinue

  • Credit Disputes During The Mortgage Process
    Videos | Credit Disputes

    Credit Disputes During The Mortgage Loan Process

    ByGustan Cho August 7, 2024November 14, 2025
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    Apply Now This article will cover the mortgage guidelines for credit disputes during the mortgage loan process. Credit disputes during the mortgage process are not…

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  • FHA Loan After Loan Modification
    Home Mortgage | FHA Loans | Videos

    FHA Loan After Loan Modification Mortgage Guidelines

    ByAlex Carlcucci August 6, 2024August 6, 2024
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    Apply Now This guide will cover qualifying for an FHA loan after loan modification mortgage guidelines. A loan modification is an alternative to foreclosure, where the…

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  • FHA Guidelines Versus Lender Overlays
    Mortgage Lender Overlays | Videos

    FHA Guidelines Versus Lender Overlays on FHA Loans

    ByGustan Cho August 1, 2024August 2, 2024
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    Apply Now In this blog, we will cover the difference between FHA guidelines versus lender overlays on FHA loans. All mortgage lenders need to follow…

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  • Mortgage With a High Debt-To-Income Ratio
    High Debt-To-Income Ratio

    Can I Get a Mortgage With a High Debt-To-Income Ratio

    ByDale Elenteny July 29, 2024December 16, 2025
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    In this article, we will cover and discuss qualifying for a mortgage with a high debt-to-income ratio. Calculating the debt-to-income ratio is what tells the…

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  • FHA Credit Requirements
    FHA Loans | Bad Credit Mortgage Loans | Videos

    FHA Credit Requirements Per HUD Guidelines For AUS Approval

    ByGustan Cho July 29, 2024November 8, 2024
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      In this blog, we will discuss and cover the minimum FHA credit requirements per HUD guidelines to get approve/eligible per the automated underwriting system…

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  • Manual Underwriting Guidelines With Late Payments
    Manual Underwriting | Videos

    Manual Underwriting Guidelines With Late Payments

    ByAnngelli Abenes July 28, 2024August 26, 2025
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    This Article Is About Manual Underwriting Guidelines With Late Payments: FHA and VA loans are the only two mortgage loan programs that allow for manual…

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  • Mortgage Brokers Versus Lenders
    Bad Credit Mortgage Loans | Bank Statement Mortgages | DSCR Mortgage Loans | Lender Overlays | Videos

    Difference Between Mortgage Brokers Versus Lenders

    ByAlex Carlcucci July 26, 2024December 16, 2025
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    This article will cover the difference between mortgage brokers and lenders. Should I use mortgage brokers versus lenders to get the best rates and terms…

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  • Denied For Mortgage After Conditional Approval
    Conditional Loan Approval | Non-QM Loans | Videos

    Getting Denied For a Mortgage After Conditional Approval

    ByGustan Cho July 22, 2024January 13, 2026
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    In this blog, we will discuss getting denied for a mortgage after conditional approval. Can borrowers get denied for a mortgage after conditional approval? There…

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  • Getting a Mortgage After Bankruptcy and Foreclosure
    Mortgage After Bankruptcy | Mortgage After Foreclosure

    Can I Get a Mortgage After Bankruptcy and Foreclosure

    ByGustan Cho July 22, 2024July 22, 2024
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    This article covers buying a house and qualifying for a mortgage after bankruptcy and foreclosure. The mortgage industry underwent a major overhaul after the 2008…

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  • Home Loan With Late Payments After Bankruptcy
    Bad Credit Mortgage Loans | Mortgage After Bankruptcy | Mortgage After Foreclosure | Videos

    Home Loan With Late Payments After Bankruptcy

    ByAnngelli Abenes July 18, 2024August 26, 2025
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    This article will discuss the steps of getting approved for a home loan with late payments after bankruptcy. Qualifying for a Home Loan With Late…

    Read More Home Loan With Late Payments After BankruptcyContinue

  • Home Loan After Loan Modification
    Home Mortgage | Loan Modification | Videos

    Home Loan After Loan Modification Mortgage Guidelines

    ByGustan Cho July 15, 2024July 16, 2024
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    Apply Now   This blog will cover qualifying for a home loan after loan modification mortgage guidelines. A loan modification is when the current lender…

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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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