Skip to content
GCA Mortgage
  • About UsExpand
    • 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 MortgagesExpand
    • PurchaseExpand
      • Home Purchase LoansExpand
        • Alabama Mortgage Loans
      • Investment Property Loans
    • RefinanceExpand
      • 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 LoansExpand
      • Warrantable Condos
      • Non-Warrantable Condos
      • 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
      • VA Loans with Tax Lien
      • 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
      • 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
  • CareersExpand
    • Career OpportunitiesExpand
      • MLO License School
    • Mortgage Career Opportunities
    • REALTOR-MLO Career Opportunities
  • Videos
  • Testimonials
  • Blog
  • Talk To Loan Officer
GCA Mortgage
  • Home Loan With Overtime Income and Other Income
    Income and Employment | High Debt-To-Income Ratio | Videos

    Home Loan With Overtime Income and Other Income

    ByGustan Cho July 15, 2024January 13, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    This article will cover qualifying for a home loan with overtime income and other income. Homebuyers can qualify for a home loan with overtime income…

    Read More Home Loan With Overtime Income and Other IncomeContinue

  • Homebuyer Down Payment Assistance
    Home Mortgage

    Homebuyer Down Payment Assistance And Grant Programs

    ByAlex Carlcucci July 14, 2024February 6, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    In this blog, we need to cover and discuss homebuyer down payment assistance and grant programs for first-time homebuyers. Homebuyer Down Payment Assistance And Grant…

    Read More Homebuyer Down Payment Assistance And Grant ProgramsContinue

  • HUD Credit Score Guidelines For FHA Loans
    Home Mortgage | Credit Scores | Debt-To-Income Ratio | Down Payment and Closing Costs | FHA Loans | Manual Underwriting | Videos

    HUD Credit Score Guidelines on FHA Loans

    ByGustan Cho July 14, 2024July 14, 2024
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    This guide covers HUD credit score guidelines on FHA loans. HUD, the parent of FHA, is the government agency that sets the minimum HUD credit…

    Read More HUD Credit Score Guidelines on FHA LoansContinue

  • Derogatory Credit Mortgage Guidelines on Home Loans
    Bad Credit Mortgage Loans | Collections and Charged-Off Accounts | FHA Loans

    Derogatory Credit Mortgage Guidelines on Home Loans

    ByGustan Cho July 12, 2024February 6, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    This guide covers derogatory credit mortgage guidelines on home loans. Over the years we have received thousands of phone calls, emails, and text messages about…

    Read More Derogatory Credit Mortgage Guidelines on Home LoansContinue

  • Getting a Mortgage in The Virgin Islands
    Bad Credit Mortgage Loans | Home Mortgage | Non-QM Loans | Videos

    Getting a Mortgage In The Virgin Islands For a Home Purchase

    ByGustan Cho July 11, 2024January 13, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

      In this guide, we will cover getting a mortgage in the Virgin Islands for a home purchase with a U.S.-based mortgage lender. In recent…

    Read More Getting a Mortgage In The Virgin Islands For a Home PurchaseContinue

  • High Debt-To-Income Ratio Mortgage Loans And Solutions
    High Debt-To-Income Ratio | Non-QM Loans | Videos

    High Debt-To-Income Ratio Mortgage Loans

    ByGustan Cho July 11, 2024September 1, 2025
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    Many new high debt-to-income ratio mortgage loans have been recently launched and introduced to the market. No-doc loans, DSCR mortgages, profit and loss statement-only mortgage…

    Read More High Debt-To-Income Ratio Mortgage LoansContinue

  • HUD 4000.1 FHA Handbook
    FHA Loans | Videos

    HUD 4000.1 FHA Handbook

    ByGustan Cho July 11, 2024January 13, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    Apply Now In this guide on HUD 4000.1 FHA Handbook Guidelines on FHA loans, we will cover the main bullet points on HUD agency mortgage…

    Read More HUD 4000.1 FHA HandbookContinue

  • HUD Chapter 13 Guidelines With Late Payments
    Mortgage After Foreclosure | Chapter 13 Cash-Out Refinance | FHA Loans | FHA Loans After Chapter 13 | FHA Loans While in Chapter 13 | Mortgage After Bankruptcy | Videos

    HUD Chapter 13 Guidelines With Late Payments on FHA Loans

    ByMichael Gracz July 11, 2024May 28, 2025
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    This guide will cover the HUD Chapter 13 Guidelines with late payments on FHA loans. We will discuss qualifying for FHA loans during Chapter 13…

    Read More HUD Chapter 13 Guidelines With Late Payments on FHA LoansContinue

  • VA Loan With Recent Late Payments
    Bad Credit Mortgage Loans | Videos

    VA Loan With Recent Late Payments

    ByGustan Cho July 10, 2024December 16, 2025
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    This guide will cover getting approved for a VA loan with recent late payments.  The Veterans Administration has helped thousands of veterans and service members…

    Read More VA Loan With Recent Late PaymentsContinue

  • VA Collections Mortgage Guidelines
    Collections and Charged-Off Accounts | VA Loans | Videos

    VA Collections Mortgage Guidelines on VA Home Loans

    ByMichael Gracz July 10, 2024July 10, 2024
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    Apply Now In this blog, we will discuss and cover VA collections mortgage guidelines. We will discuss how you can qualify for VA loans without…

    Read More VA Collections Mortgage Guidelines on VA Home LoansContinue

  • Hard Money Loans
    Investment Home Loans | Hard Money Loans

    Using Hard Money Loans To Buy Investment Properties

    ByGustan Cho July 9, 2024January 14, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    Apply Now In this blog, we will cover using hard money loans to buy investment properties. Hard money loans are only for non-owner-occupant primary properties….

    Read More Using Hard Money Loans To Buy Investment PropertiesContinue

  • TBD Mortgage Underwriting Guidelines For Pre-Approval
    Mortgage Pre-Approval | Videos

    TBD Mortgage Underwriting Pre-Approval By Underwriters

    ByAnngelli Abenes July 8, 2024November 8, 2024
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

      Gustan Cho Associates offers TBD mortgage underwriting pre-approvals for homebuyers with less-than-perfect credit. TBD stands for To Be Determined.  A TBD Underwriting is when…

    Read More TBD Mortgage Underwriting Pre-Approval By UnderwritersContinue

Page navigation

Previous PagePrevious 1 … 12 13 14 15 16 … 32 Next PageNext

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

Connect with Social Media

  • Facebook
  • YouTube
  • LinkedIn
  • Instagram
  • TikTok
  • Tumblr

Resources

  • Resources
  • Talk To A Loan Officer
  • FICO Simulator
  • MLO License School
  • Documents Required
  • How To Increase FICO
  • Rebuild Credit
  • How To Reach a Live Person at Credit Bureaus
  • Remove Credit Disputes
  • Mortgage Career Opportunities
  • REALTOR-MLO Career Opportunities
  • Why Gustan Cho Associates
  • DACA Mortgage Loans
  • Gustan Cho Associates Videos
  • Contact Us at Gustan Cho Associates
  • Find Loan Limits
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

© 2023 - NEXA Mortgage LLC. All Rights Reserved.

Scroll to top Call Now
  • 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
Search