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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
  • Bank Statement Mortgages For Self-Employed Borrowers
    Bank Statement Mortgages

    Bank Statement Mortgages For Self-Employed Borrowers

    ByGustan Cho October 13, 2025October 20, 2025
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    Being self-employed comes with freedom, flexibility, and unlimited income potential but, when it’s time to buy a home, that freedom can suddenly feel like a…

    Read More Bank Statement Mortgages For Self-Employed BorrowersContinue

  • USDA Credit Score Guidelines For Borrowers With Bad Credit
    USDA Loans

    USDA Credit Score Guidelines For Borrowers With Bad Credit

    ByMargarett Jurilla October 13, 2025October 20, 2025
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    Buying a home can be tough when your credit history isn’t perfect. Many borrowers think they need high credit scores to qualify for a mortgage,…

    Read More USDA Credit Score Guidelines For Borrowers With Bad CreditContinue

  • TRID Mortgage Regulations
    Bank Statement Mortgages | Home Mortgage

    Self-Employed No Tax Return Mortgage Loans

    ByGustan Cho October 7, 2025October 7, 2025
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    In this article, we will discuss and cover self-employed no tax return mortgage loans. Self-employed no tax return mortgage loans have been non-existent between the…

    Read More Self-Employed No Tax Return Mortgage LoansContinue

  • Prior Home Loan in Bankruptcy
    Mortgage After Bankruptcy | Mortgage After Foreclosure

    Mortgage Guidelines With a Prior Home Loan In Bankruptcy

    ByGustan Cho October 7, 2025October 7, 2025
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    In this blog, we will cover the mortgage guidelines with a prior home loan in bankruptcy. There are instances when people file bankruptcy but include…

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  • What are the benefits of the HARP 2 refinancing program?
    Home Mortgage

    HARP 2 Refinance For Homeowners With Underwater Mortgages

    BySapna Sharma October 6, 2025February 10, 2026
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    This BLOG On HARP 2 Refinance For Homeowners With Underwater Mortgages Was Updated On November 18th, 2018 The 2008 Real Estate and Mortgage Meltdown has devastated…

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  • Starting Career as Mortgage Loan Officers
    Career Opportunities-Loan Officer Training

    Starting Career As Mortgage Loan Officers

    ByGustan Cho October 6, 2025January 15, 2026
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    In this article, we will discuss and cover starting career as mortgage loan officers at Gustan Cho Associates Gustan Cho Associates, powered by Nexa Mortgage…

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  • Mortgage Fraud
    Home Mortgage | Home Purchase | Mortgage Process | Real Estate Topic | Videos

    What is Mortgage Fraud

    ByAnngelli Abenes October 6, 2025February 6, 2026
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    This guide covers what mortgage fraud is. What is mortgage fraud during the homebuying and mortgage process? There are two types of loan fraud. Fraud…

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  • Fannie Mae HomePath Loan Program For Home Buyers
    Home Purchase

    Fannie Mae HomePath Loan Program For Home Buyers

    BySapna Sharma October 6, 2025October 20, 2025
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    Buying your first home is exciting, but it can also be overwhelming. With so many homes on the market, how do you choose the right…

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  • First-Time Home Buyers Guide
    Home Purchase

    First-Time Home Buyers Guide

    ByDale Elenteny October 3, 2025February 5, 2026
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    In this first-time home buyers guide, we will show the benefits of going from being a renter to a homeowner. The first-time homebuyers guide will…

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  • Home Loan Denial
    Home Mortgage

    Home Loan Denial And Steps To Get Approval With Another Lender

    ByGustan Cho October 2, 2025February 6, 2026
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    In this blog, we will discuss and cover actions to take if you get a home loan denial and steps to get approved by another…

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  • Home Purchase

    Feds Cut Rates For The Third Time This Year

    ByGustan Cho October 2, 2025February 6, 2026
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    This ARTICLE Is About The Feds Cuts Rates For The Third Time This Year As Economy Slows. Mortgage rates started to drop from the beginning…

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  • Cash-To-Close Mortgage For Closing Home Purchase
    Clear To Close | Home Mortgage | Home Purchase

    Cash-To-Close Mortgage For Closing Home Purchase

    ByGustan Cho October 1, 2025January 15, 2026
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    Cash-to-close means the cash required by the homebuyer to bring in to closing on a home purchase. Mortgage guidelines state that only verified funds can…

    Read More Cash-To-Close Mortgage For Closing Home PurchaseContinue

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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

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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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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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