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      • FHA Manual Underwriting Mortgage Guidelines
      • FHA Loans After Chapter 13 Bankruptcy Guidelines
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      • VA Manual Underwriting Guidelines For VA Loans
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GCA Mortgage
VA Loans With Low Credit Scores
VA Loans With Low Credit Scores

VA Loans With Low Credit Scores

BySapna Sharma February 21, 2024February 22, 2024
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In this blog, we will cover and discuss qualifying for VA loans with low credit scores. Homebuyers do have the opportunity for VA loans with…

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Verification of Rent
Uncategorized

What Is Verification of Rent For Mortgage

ByGustan Cho February 21, 2024
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This guide covers what is verification of rent required for a mortgage. Borrowers must have made all rental payments for the past 12 months timely—no…

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FHA Condominium Loans
Condominium Loans | FHA Loans

How To Get FHA Condominium Loans Approved

ByGustan Cho February 21, 2024February 22, 2024
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In this blog, we will cover and discuss how to qualify and how get FHA condominium loans approved. Condominiums are becoming increasingly popular. Many folks…

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How Do Mortgage Underwriters Calculate Income
Income and Employment

How Do Mortgage Underwriters Calculate Income

BySapna Sharma February 21, 2024February 22, 2024
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In this article, we will cover the frequently asked question by homebuyers on how do mortgage underwriters calculate income when processing and underwriting a mortgage…

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Using Non-Traditional Credit Tradelines Versus Traditional
Credit Scores | Mortgage Process | Mortgage Rates

Fastest and Easiest Way To Increase Credit Scores

ByAlex Carlcucci February 20, 2024March 21, 2024
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This guide covers the fastest and easiest way to increase credit scores to get the best mortgage rates. We get countless calls from our viewers…

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Automated Underwriting System
Automated Underwriting System

What Is The Automated Underwriting System For Mortgages

ByGustan Cho February 20, 2024February 21, 2024
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The automated underwriting system (AUS) for mortgages is a sophisticated computer system used by mortgage lenders to see the results of the automated findings of…

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Asset-Depletion Mortgage Loans
Non-QM Loans | Asset-Depletion Mortgages

Asset-Depletion Mortgage Loans

ByGustan Cho February 20, 2024February 21, 2024
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In this article, we will cover qualifying for asset-depletion mortgage loans. We will go over what asset-depletion mortgage loans are and the qualification requirements. Asset-depletion…

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FHA Loans With Collection Accounts
FHA Loans | Collections and Charged-Off Accounts

FHA Loans With Collection Accounts Mortgage Guidelines

ByGustan Cho February 20, 2024September 23, 2024
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In this guide on Gustan Cho Associates we will cover qualifying for FHA loans with collection accounts mortgage guidelines. HUD, the parent of FHA loans,…

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The Mortgage Loan Estimate
The Loan Estimate and Closing Disclosure

What Is The Mortgage Loan Estimate?

ByGustan Cho February 19, 2024February 20, 2024
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In this guide on what is The Mortgage Loan Estimate, we will cover the loan estimate (LE) in general and detail each section of the…

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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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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

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Recent Articles

  • The Buyers Market Versus The Sellers Market
    The Buyers Market Versus The Sellers Market in Real Estate
    by Michael Gracz
    June 5, 2025
  • Refinancing With Bad Credit and Low Credit Scores
    First-Time Home Buyers FAQ on Qualifying For Mortgage
    by Gustan Cho
    June 5, 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: 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 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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