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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
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      • 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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    • USDA Loans
    • Conventional LoansExpand
      • Fannie Mae Foreclosure Guidelines on Conventional Loans
      • FANNIE MAE Bankruptcy Guidelines on Conventional Loans
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      • FNMA Guidelines on Judgments For Conventional Loans
    • Non-QM LoansExpand
      • Bank Statement Mortgage Loans
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GCA Mortgage
  • Illinois Making The Dream Of Home Ownership A Reality Through IHDA DPA
    First-Time Homebuyers | Home Mortgage

    First Time Home Buyer Mortgage Process

    ByAlex Carlcucci March 5, 2024February 6, 2026
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    This  guide covers first time home buyer mortgage process on getting pre-approved and closed on a home. The first step for first time home buyer…

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  • How Buying a Car May Affect Mortgage Approval
    mortgage with high debt to income ratio

    How Buying a Car May Affect Mortgage Approval

    ByGustan Cho March 4, 2024March 4, 2024
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    Buying a car may affect mortgage approval for potential homebuyers. Many homebuyers often do not think about how buying a car may affect mortgage approval….

    Read More How Buying a Car May Affect Mortgage ApprovalContinue

  • VA ELIGIBILITY GUIDELINES AND REQUIREMENTS
    VA Loans | Videos

    VA Eligibility Guidelines And Requirements On VA Home Loans

    ByGustan Cho February 26, 2024February 6, 2026
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    The U.S. government created and implement VA loans to reward active-duty and retired members of the U.S. Military to show their appreciation of serving our…

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  • Tax Benefits of Owning a Home vs Renting
    Conventional loans | FHA Loans | Regulations | VA Loans

    Community Property States Mortgage Guidelines

    BySapna Sharma February 26, 2024January 13, 2026
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    This guide covers community property states mortgage guidelines. Community Property States Mortgage Guidelines: Community property is derived from older Spanish law, which allows for a…

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  • Home Inspection During Mortgage Process
    Home Mortgage

    Comprehensive Guide to Home Inspection for Homebuyers

    ByAlex Carlcucci February 26, 2024February 6, 2026
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    This guide provides a home inspection guide that protects your investment with a licensed home inspector. Home inspection is one of the most critical steps…

    Read More Comprehensive Guide to Home Inspection for HomebuyersContinue

  • FHA Loans With Bad Credit
    FHA Loans | Bad Credit Mortgage Loans | Collections and Charged-Off Accounts | Videos

    FHA Loans With Bad Credit and Scores Down To 500 FICO

    ByGustan Cho February 26, 2024November 19, 2025
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    In this blog will discuss qualifying for an FHA loan with bad credit. FHA loans are the most popular mortgage loan program for borrowers with…

    Read More FHA Loans With Bad Credit and Scores Down To 500 FICOContinue

  • HUD Guidelines on FHA Streamline Refinance
    FHA Streamline Refinance

    HUD Guidelines on FHA Streamline Refinance Mortgages

    ByAlex Carlcucci February 26, 2024February 26, 2024
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    In this blog, we will cover and discuss HUD guidelines on FHA streamline refinance mortgages. HUD guidelines on FHA streamline refinance mortgages is very simple…

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  • HUD Minimum Credit Score Guidelines
    FHA Loans

    HUD Minimum Credit Score Guidelines on FHA Loans

    ByAlex Carlcucci February 22, 2024August 26, 2024
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    In this blog, we will cover the HUD minimum credit score guidelines on FHA loans.  HUD minimum credit score guidelines to qualify for a 3.5%…

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  • Buying a House After a Short Sale
    Mortgage After Short Sale

    Buying a House After a Short Sale Mortgage Guidelines

    ByMargarett Jurilla February 22, 2024January 15, 2026
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    This article will cover and discuss buying a house after a short sale. We would go in-depth on how to qualify for a mortgage if…

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  • Qualifying For FHA Loan After Foreclosure And Deed In Lieu Of Foreclosure
    FHA Loans After Chapter 13 | FHA Loans | FHA Loans While in Chapter 13 | Mortgage After Bankruptcy | Mortgage After Foreclosure | Mortgage After Short Sale

    FHA Loan After Foreclosure Waiting Period Requirements

    ByMargarett Jurilla February 22, 2024February 10, 2026
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    In this article, we will be covering qualifying for an FHA loan after foreclosure waiting period requirements. HUD, the parent of FHA, has mandatory waiting…

    Read More FHA Loan After Foreclosure Waiting Period RequirementsContinue

  • Buying a House in Puerto Rico
    Appraisal | Asset-Depletion Mortgages | Bad Credit Mortgage Loans | Bank Statement Mortgages | Down Payment and Closing Costs | DSCR Mortgage Loans | Non-QM Loans | Videos

    Buying a House in Puerto Rico With a U.S. Based Mortgage Lender

    ByGustan Cho February 22, 2024January 14, 2026
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    If you’ve ever dreamt of owning a piece of paradise in the Caribbean, Puerto Rico may be your perfect destination. Buying a house in Puerto…

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  • Buying a Home in North Carolina With Poor Credit
    First-Time Homebuyers | Home Purchase

    Buying a Home in North Carolina With Poor Credit

    ByGustan Cho February 22, 2024February 10, 2026
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    In this blog, we will cover buying a home in North Carolina with bad credit. Buying a home is a significant milestone in life, and…

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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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