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  • 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
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GCA Mortgage
  • How To Get Mortgage Approved With Judgment
    Mortgage With Judgment

    How To Get Mortgage Approved With Judgment

    ByGustan Cho June 25, 2024January 15, 2026
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    This guide is about how to get mortgage approved with judgment.  Judgments are one of the worst things you can have on your credit report.  Most creditors…

    Read More How To Get Mortgage Approved With JudgmentContinue

  • Closing Costs on House Purchase
    Down Payment and Closing Costs | Videos

    Closing Costs on House Purchase and Refinance Transactions

    ByGustan Cho June 24, 2024January 15, 2026
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    In this article, we will cover and discuss the closing costs on house purchase and refinance transactions. Home buyers need to worry about the down…

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  • Mortgage Loans For Recent College Graduates
    Home Purchase | Bad Credit Mortgage Loans

    Mortgage Loans For Recent College Graduates

    ByGustan Cho June 24, 2024June 25, 2024
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    In this blog, we will cover and discuss mortgage loans for recent college graduates. If you have recently graduated from college and have no employment…

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  • What Can Be Used As Income For a Mortgage
    Manual Underwriting | Income and Employment | Mortgage Process

    What Can Be Used As Income For a Mortgage Approval

    BySapna Sharma June 24, 2024June 25, 2024
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    In this blog, we will cover and discuss what can be used as income for a mortgage. Other income such as overtime, part-time, bonus, tip,…

    Read More What Can Be Used As Income For a Mortgage ApprovalContinue

  • Closing Disclosure Was Replaced By the HUD-1
    The Loan Estimate and Closing Disclosure

    The Closing Disclosure Was Replaced By the HUD-1

    ByGustan Cho June 20, 2024February 17, 2025
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    In this blog, we will cover how The Closing Disclosure Was Replaced By the HUD-1 Settlement Statement. Consumers and Mortgage Industry Professionals are getting ready…

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  • Types of Home Ownership To Hold Title To Real Estate
    Home Purchase

    Types of Home Ownership To Hold Title To Real Estate

    ByAnngelli Abenes June 20, 2024February 10, 2026
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    In this article, we will cover and discuss the types of home ownership to hold title to real estate. We will cover the most common…

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  • Refer/Eligible per Automated Findings
    Automated Underwriting System

    What Does Refer/Eligible Per Automated Findings Means?

    ByGustan Cho June 20, 2024June 21, 2024
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    In this blog, we will cover and discuss what refer/eligible per automated findings means on government and conventional loans. One of the most FAQs we…

    Read More What Does Refer/Eligible Per Automated Findings Means?Continue

  • Seller Concessions
    Seller Concessions

    Seller Concessions By Home Sellers For Buyer’s Closing Costs

    ByGustan Cho June 19, 2024June 20, 2024
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    Seller concessions are vital in real estate transactions, particularly in a buyer’s market where sellers aim to make their properties more attractive to potential buyers….

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  • Mortgage With Amended Income Tax Returns
    mortgage with high debt to income ratio

    Mortgage With Amended Income Tax Returns

    ByGustan Cho June 19, 2024June 20, 2024
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    In this mortgage guide, we will cover qualifying for a mortgage with amended income tax returns.  There are instances where consumers may write more off…

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  • Wholesale Mortgage Lenders And Loan Program Guidelines
    Mortgage With Collections

    Wholesale Mortgage Lenders And Loan Program Guidelines

    ByAlex Carlcucci June 19, 2024February 6, 2026
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    The mortgage lending landscape consists of various players, among which wholesale mortgage lenders play a critical role. Wholesale lenders offer various mortgage products through third-party…

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  • Upfront Fees During Mortgage Application Process
    Manual Underwriting | Home Purchase | Mortgage Process

    Upfront Fees During Mortgage Application Process

    ByGustan Cho June 11, 2024May 29, 2025
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    In this article, we will discuss and cover the upfront fees during mortgage application process. The mortgage application process starts when pre-approved borrowers get a real…

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  • HA Manual Underwriting Mortgage
    Home Purchase | Manual Underwriting

    Extenuating Circumstances Guidelines On Home Loans

    ByMichael Gracz June 11, 2024February 17, 2025
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    In this blog, we will cover and discuss extenuating circumstances guidelines on home loans. When you read the agency guidelines, there is a lot of…

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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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