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      • FHA Manual Underwriting Mortgage Guidelines
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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
  • Income and Employment

    HUD Self-Employment Guidelines On FHA Home Loans

    ByGustan Cho June 5, 2024February 17, 2025
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    This ARTICLE Is About HUD Self-Employment Guidelines On FHA Home Loans HUD Self-Employment Guidelines allow self-employed borrowers to qualify for FHA loans. The borrower needs…

    Read More HUD Self-Employment Guidelines On FHA Home LoansContinue

  • Buying Home With High Property Taxes
    Property Taxes

    Buying Home With High Property Taxes Affects Debt To Income Ratio

    ByAlex Carlcucci May 16, 2024May 16, 2024
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    Buying Home With High Property Taxes Affects Debt To Income Ratio and may limit a home buyer’s buying power and how much home they can…

    Read More Buying Home With High Property Taxes Affects Debt To Income RatioContinue

  • FHA 203k Loan Eligibility Requirements
    FHA 203k Loans

    FHA 203k Loan Eligibility Requirements and Guidelines

    ByDale Elenteny May 14, 2024February 6, 2026
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    In this blog, we will cover and discuss the FHA 203k loan eligibility requirements and guidelines. The United States Department of Housing and Urban Development,…

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  • Chapter 13 Home Loan Guidelines
    Chapter 13 Cash-Out Refinance | FHA Loans After Chapter 13 | FHA Loans While in Chapter 13 | VA Loans During and After Chapter 13

    Chapter 13 Home Loan Guidelines on FHA and VA Mortgages

    ByGustan Cho May 13, 2024October 4, 2024
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    In this blog, we’ll delve into Chapter 13 home loan guidelines on FHA and VA Mortgages. Navigating the world of home loans can be daunting,…

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  • VA Loans With Under 580 Credit Scores
    VA Loans

    VA Loans With Under 580 Credit Scores Mortgage Guidelines

    ByGustan Cho May 13, 2024July 24, 2025
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    In this article, we will cover VA loans with under 580 credit scores mortgage guidelines. Homebuyers do have the opportunity for VA loans with under…

    Read More VA Loans With Under 580 Credit Scores Mortgage GuidelinesContinue

  • VA Debt To Income Ratio
    FHA Loans | High Debt-To-Income Ratio

    High Debt-To-Income Ratio Mortgage Solutions

    ByAlex Carlcucci May 9, 2024September 1, 2025
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    This guide covers high debt-to-income ratio mortgage solutions for borrowers. Debt-to-income ratio and credit is the two most important factors in the mortgage approval process. …

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  • How To Get Credit Cards After Bankruptcy
    Credit Scores | Home Mortgage | Home Purchase | Home Seller | Mortgage Process | Re-Establishing Credit

    Adding Credit Tradelines To Qualify For Mortgage

    ByGustan Cho May 3, 2024October 4, 2024
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    In this blog, we will cover and discuss adding credit tradelines to qualify for mortgage by boosting credit scores. Many homebuyers go to their banks…

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  • VA Loan with Judgment
    FHA Loans

    Down Payment Requirement For FHA Home Purchase

    ByGustan Cho May 3, 2024January 15, 2026
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    This guide covers the down payment requirement for FHA home purchase in Illinois. Homebuyers in Illinois need less money to bring to closing than any…

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  • Tax Benefits of Owning a Home vs Renting
    VA Loans

    Home Mortgage Credit Score Requirements And Guidelines

    ByMichael Gracz April 16, 2024February 6, 2026
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    This Article Is About Home Mortgage Credit Score Requirements And Guidelines If you are contemplating applying for a mortgage, there are some basic qualifications you…

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  • Steps Leading To Clear To Close On Mortgage
    Conditional Loan Approval | Home Mortgage | Mortgage Process | Videos

    Clear to Close On Mortgage And Timeline From Application To CTC

    ByGustan Cho April 10, 2024May 6, 2024
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    In this blog post, we’ll explore the process of achieving a clear-to-close mortgage and the timeline from the initial loan application to this critical stage….

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  • Waiting Period After Bankruptcy And Foreclosure Mortgage Guidelines
    Home Mortgage | Mortgage After Bankruptcy

    Qualifying For A Mortgage After Temporary Unemployment

    BySapna Sharma April 7, 2024February 6, 2026
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    This Article Is About Qualifying For A Mortgage After Temporary Unemployment Gustan Cho Associates gets dozens call daily about Qualifying For A Mortgage After Temporary…

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  • FHA
    Home Purchase | Home Mortgage

    Getting Pre-Approved Before Shopping For A Home

    ByAlex Carlcucci April 5, 2024April 5, 2024
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    In this article, we will cover and discuss getting pre-approved before shopping for a home. No two homebuyers have the same credit score and financial…

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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
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  • 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

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Contact Us

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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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