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  • Types of MortgagesExpand
    • PurchaseExpand
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        • Alabama Mortgage Loans
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    • RefinanceExpand
      • Refinance Mortgage Options
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      • Chapter 13 Cash-Out Refinance
      • FHA Streamline Refinance Mortgages
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      • Refinancing NON-QM Loans To Conventional Mortgages
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    • 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
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      • VA Loan with Judgment
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    • 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
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GCA Mortgage
  • Can You Buy House With Credit Card Debt
    Credit Scores

    How To Raise Credit Scores To Qualify For Mortgage

    ByAlex Carlcucci April 5, 2024April 5, 2024
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    This guide covers how to raise credit scores to qualify for mortgage at the best rates. Many home buyers ask how to raise credit scores…

    Read More How To Raise Credit Scores To Qualify For MortgageContinue

  • How To Become A Private Money Investor
    Commercial Loans

    How To Become A Private Money Investor

    ByGustan Cho April 5, 2024October 24, 2025
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    This ARTICLE On How To Become A Private Money Investor And Lender Chicago Was PUBLISHED On April 5th, 2024. Investors who are looking to diversify…

    Read More How To Become A Private Money InvestorContinue

  • VA Loan with Judgment
    Bad Credit Mortgage Loans | Mortgage Lender Overlays

    Lender Overlays on Credit Scores

    ByGustan Cho March 28, 2024March 28, 2024
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    This  guide covers lender overlays on credit scores on government and conventional loans.  We will discuss and explain mortgage lender overlays on credit scores. A…

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  • Getting a Mortgage After Bankruptcy and Foreclosure
    Conventional loans | FHA Loans | Home Mortgage | Home Purchase

    Is Now Good Time Home Purchase In Chicago And Suburbs

    BySapna Sharma March 27, 2024February 10, 2026
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    This Article Is About Now Good Time Home Purchase In Chicago And Suburbs Chicago is the second-largest city in the United States behind the city…

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  • HUD Mortgage Guidelines
    FHA Loans

    HUD Mortgage Guidelines on FHA Loans

    ByGustan Cho March 26, 2024May 3, 2024
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    This blog will cover changes to HUD guidelines on FHA loans for 2023. Changes To HUD Guidelines on FHA loans for deferred student loans are…

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  • Condotel Financing Guidelines
    Conventional loans

    Fannie Mae HomeReady Mortgage Guidelines

    ByAlex Carlcucci March 26, 2024October 4, 2024
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    This guide covers Fannie Mae HomeReady mortgage guidelines on conventional loans. There are two home loan programs: government loans, which are insured by government agencies,…

    Read More Fannie Mae HomeReady Mortgage GuidelinesContinue

  • Non-warrantable condos
    Condominium Loans | FHA Loans

    HUD Condominium Guidelines on FHA Loans

    ByGustan Cho March 26, 2024October 14, 2024
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    In this blog, we will discuss and cover HUD condominium guidelines on FHA loans. HUD, the parent of FHA, is the federal agency that creates…

    Read More HUD Condominium Guidelines on FHA LoansContinue

  • ARM Versus Fixed-Rate Mortgages
    Mortgage Rates

    ARM Versus Fixed-Rate Mortgages

    BySapna Sharma March 18, 2024March 19, 2024
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    In this blog, we will cover and compare ARM versus Fixed-Rate Mortgages when buying and refinancing a home. Most mortgage loan programs, whether it is…

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  • FHA 203k Loans
    FHA 203k Loans

    FHA 203k Loans For Minor and Standard Renovation Projects

    ByGustan Cho March 18, 2024March 19, 2024
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    In this guide on FHA 203k loans for the acquisition of fixer-uppers and homeowners who need to homeowners who need renovations, we will cover the…

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  • Verification Of Rent Required On Manual Underwrites
    Manual Underwriting

    Verification Of Rent Guidelines on Manual Underwrites

    ByGustan Cho March 18, 2024May 23, 2024
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    In this article, we will be covering the verification of rent guidelines on manual underwrites. FHA and VA loans are the only two mortgage loan…

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  • Mortgage Included In Bankruptcy
    Mortgage After Bankruptcy | Mortgage After Foreclosure

    Fannie Mae Guidelines on Mortgage Included in Bankruptcy

    ByGustan Cho March 18, 2024July 16, 2024
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    In this article, we will cover Fannie Mae guidelines on mortgage included in Bankruptcy. We will discuss what having a prior mortgage included in bankruptcy…

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  • Credit Scores Drop During Mortgage Process
    Manual Underwriting | Mortgage Process

    How Do Mortgage Underwriters View Bank Overdrafts

    ByAlex Carlcucci March 6, 2024March 7, 2024
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    This article delves into how mortgage underwriters view bank overdrafts and their implications for mortgage approval. Every financial aspect of a borrower’s life is scrutinized…

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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
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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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