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      • Refinance Mortgage Options
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      • Warrantable Condos
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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
      • FHA Loan With Judgment
      • FHA Loans With Tax Lien
      • FHA W-2 Income Only FHA
      • FHA Loans with Charged-Offs Account
      • FHA Collections
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      • VA Manual Underwriting Guidelines For VA Loans
      • VA Loans During Chapter 13 Bankruptcy
      • VA Loan Requirements
      • VA Loan With Bad Credit
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      • VA Loan with Judgment
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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
Short Sale Process
Short Sale

Short Sale Process For Home Buyers and Sellers

ByGustan Cho February 19, 2024February 20, 2024
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In this article, we will cover the short sale process for home buyers and sellers. We will discuss some of the common frequently asked questions…

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Credit Scores Increased During Underwriting Process
Credit Scores | Home Mortgage | Home Purchase | Mortgage Process | Mortgage Rates

Credit Scores Increased During Underwriting Process

ByGustan Cho February 19, 2024April 16, 2024
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In this article, we will cover credit scores increased during underwriting process. If credit scores increased during underwriting process, the borrowers could lock the loan…

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Qualifying For Mortgage After Short Sale
Mortgage After Bankruptcy | Mortgage After Foreclosure | Mortgage After Short Sale

Guidelines And Tips On Qualifying For Mortgage After Short Sale

ByGustan Cho February 15, 2024June 5, 2024
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This Article On Guidelines And Tips On Qualifying For Mortgage After Short Sale Qualifying For Mortgage After Short Sale requires mandatory waiting period after short…

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Boosting Credit Scores With Instant Credit
Re-Establishing Credit

Boosting Credit Scores With Instant Credit For Mortgage

ByGustan Cho February 15, 2024May 21, 2024
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In this guide on boosting credit scores with instant credit, we will cover the fastest way on how to boosting credit scores with instant credit…

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Mortgage With Under 620 Credit Scores
Mortgage With Low Credit Scores

Mortgage With Under 620 Credit Scores Guidelines

ByAlex Carlcucci February 15, 2024February 21, 2024
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In this guide on buying a house and getting approved for a mortgage with under 620 credit scores, we will cover qualifying for a home…

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Refinance FAQ
Refinance

Refinance FAQ

ByGustan Cho February 15, 2024February 16, 2024
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In this guide, we will be covering the commonly refinance FAQ. There are many refinance mortgage loan programs such as rate and term, cash-out refinance,…

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Re-Establishing Credit After Bankruptcy To Qualify For Mortgage
Mortgage After Bankruptcy

Re-Establishing Credit After Bankruptcy For Mortgage

ByGustan Cho February 15, 2024February 19, 2024
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Potential homebuyers should start re-establishing credit after bankruptcy to qualify for a mortgage as soon as possible after the Chapter 7 bankruptcy discharge date. Homebuyers…

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Buying a House With a FHA 203k Loan
FHA 203k Loans

Buying A House With A FHA 203k Loan Explained

ByGustan Cho February 15, 2024July 30, 2024
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In this guide to buying a house with a FHA 203k loan, we will go over what the FHA 203k loan is and how it…

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FHA Guidelines On Non-Occupant Co-Borrowers
Non-Occupant Co-Borrowers

FHA Guidelines on Non-Occupant Co-Borrowers

ByGustan Cho February 15, 2024February 21, 2024
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FHA Guidelines On Non-Occupant Co-Borrowers allow family members to be on a home buyer FHA loan for income qualification. There can be more than one…

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What is hard money in Florida
Mortgage Refinance

Guide to Cash-Out Refinancing

ByAlex Carlcucci February 14, 2024February 15, 2024
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This guide covers cash-out refinancing for homeowners.   Home values are rising quickly, and many homeowners are discovering that they have more available home equity than…

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How to choose the right mortgage lender through interviews with loan officers
Manual Underwriting | mortgage | Mortgage Process

Transferring Lenders During The Mortgage Process

ByGustan Cho February 14, 2024February 15, 2024
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This guide covers transferring lenders during the homebuying and mortgage process from one lender to a different one. The mortgage process should not be stressful….

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Other Income Mortgage Guidelines With Less Than 2 Years Seasoning
Income and Employment

Other Income Mortgage Guidelines With Less Than 2 Years Seasoning

ByGustan Cho February 14, 2024February 15, 2024
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Let’s delve into the intricacies of other income mortgage guidelines, particularly when seasoning falls short of the customary two-year mark. In mortgage applications, understanding the…

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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.

Guidelines

  • FHA Guidelines
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Recent Articles

  • Home Loans With Under 600 Credit Scores
    What Happens If Credit Scores Drop During Mortgage Process
    by Gustan Cho
    May 15, 2025
  • 2 To 4 Unit Mortgage Loans Mortgage Guidelines And Requirements
    2 To 4 Unit Mortgage Loans Mortgage Guidelines And Requirements
    by Gustan Cho
    May 15, 2025

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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: 3100 Ray Road Suite 201 Office 209 Chandler AZ 856226 Company NMLS 1660690 | Gustan Cho Associates Branch NMLS 2315275 | Gustan Cho Associates Regional Branch Address 17W662 Butterfield Road Suite 305 | Oakbrook Terrace, Illinois 60181 | NMLS Consumer Access | 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
    • Our Team at GCA
    • Find Loan Limits
  • Types of Mortgages
    • Purchase
      • Home Purchase 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
      • DSCR Loans
      • Asset-Depletion Mortgage Loans
      • Foreign National Mortgage Loans
      • ITIN Mortgage Loans
      • No-Doc Home Loans
    • Jumbo Mortgages
    • 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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