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GCA Mortgage
Reason For Mortgage Denial After Conditional Loan Approval
Home Mortgage | Mortgage Process

How To Avoid Mortgage Denial During The Loan Process

ByGustan Cho June 3, 2025June 4, 2025
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Buying a home is exciting but getting denied for a mortgage during the loan process can feel devastating. The truth is, many borrowers get denied…

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Home Loans For Heroes
Home Loans For Heroes | Videos

Home Loans For Heroes Police and First Responders

ByMichael Gracz June 3, 2025June 4, 2025
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Are you an EMT, firefighter, police officer, or first responder dreaming of owning a home? You deserve a place to call your own and there…

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First-Time Homebuyers FAQs
Bad Credit Mortgage Loans | First-Time Homebuyers | Real Estate Topic | Videos

First-Time Homebuyers FAQs

ByAnngelli Abenes June 2, 2025June 2, 2025
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Are you done renting and ready to buy your first home? You’re not alone. Every year, millions of people take the exciting step of becoming…

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Boosting Credit Scores With Instant Credit
Re-Establishing Credit

Boosting Credit Scores With Instant Credit For Mortgage

ByGustan Cho May 31, 2025May 31, 2025
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In this guide on boosting credit scores with instant credit, we will cover the fastest way on how to boosting credit scores with instant credit…

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Remote Loan Officer Career Opportunity
Career Opportunities-Loan Officer Training | Videos

Remote Loan Officer Career Opportunity as an Independent MLO

ByMargarett Jurilla May 29, 2025May 30, 2025
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Are you looking to take control of your career, work from anywhere, and build your own book of business in the mortgage industry? The remote…

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Qualifying For Mortgage After Debt Settlement Versus Bankruptcy
Home Mortgage | Home Purchase | Home Seller

Qualifying For Mortgage After Debt Settlement Versus Bankruptcy

ByGustan Cho May 29, 2025May 30, 2025
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If you’ve recently resolved your debts through debt settlement or bankruptcy, you may be wondering when you can buy a home again. The good news?…

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VA DTI and Credit Score Guidelines
VA Loans | Mortgage Lender Overlays

VA Credit Score Guidelines on Purchase and Refinance

ByAnngelli Abenes May 29, 2025May 30, 2025
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Suppose you’re a veteran, active-duty service member, or surviving spouse. In that case, you may wonder if your credit score qualifies for a VA loan….

Read More VA Credit Score Guidelines on Purchase and RefinanceContinue

Conventional Loan With Bad Credit Mortgage Guidelines
Conventional loans

Conventional Loan With Bad Credit Mortgage Guidelines

ByGustan Cho May 28, 2025May 29, 2025
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If you think your credit score is too low for a conventional mortgage, think again. While traditional loans generally have stricter credit requirements, you can…

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Refinancing FHA Loans To Conventional Loans
Manual Underwriting | Mortgage Process

Mortgage Loan Application and the Underwriting Approval Process

ByDale Elenteny May 28, 2025May 29, 2025
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Applying for a mortgage can feel overpowering, but understanding the mortgage loan application and the underwriting approval process helps you stay one step ahead. Whether…

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Owning Versus Renting a Home
Home Purchase | Verification of Rent

Benefits of Owning Versus Renting a Home

ByGustan Cho May 27, 2025May 28, 2025
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Are you deciding between renting a home and owning a home? It’s one of the biggest financial choices you’ll make and the right decision depends…

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Home Loan With Mortgage Charge Off Lending Guidelines
Collections and Charged-Off Accounts

Home Loan With Mortgage Charge Off Lending Guidelines

ByGustan Cho May 27, 2025May 28, 2025
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This BLOG On Home Loan With Mortgage Charge Off Lending Guidelines Was UPDATED And PUBLISHED On May 27, 2025. Are you trying to buy a…

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2-1 Buydown Mortgage
Mortgage Rates

What Is a 2-1 Buydown Mortgage?

ByGustan Cho May 20, 2025May 21, 2025
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In this blog, we will be covering what is a 2-1 buydown mortgage. As the federal reserve continues to raise interest rates in an effort…

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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.

Guidelines

  • FHA Guidelines
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  • USDA Guidelines
  • Conventional Loan Guidelines

Recent Articles

  • The Buyers Market Versus The Sellers Market
    The Buyers Market Versus The Sellers Market in Real Estate
    by Michael Gracz
    June 5, 2025
  • Refinancing With Bad Credit and Low Credit Scores
    First-Time Home Buyers FAQ on Qualifying For Mortgage
    by Gustan Cho
    June 5, 2025

Subsidiary Sites

  • Gustan Cho Associates Mortgage Brokers
  • GCA Mortgage Group
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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 17W662 Butterfield Road Suite 305 | Oakbrook Terrace, Illinois 60181 | NMLS Consumer Access | 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
    • Our Team at GCA
    • Find Loan Limits
  • Types of Mortgages
    • Purchase
      • Home Purchase 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
      • DSCR Loans
      • Asset-Depletion Mortgage Loans
      • Foreign National Mortgage Loans
      • ITIN Mortgage Loans
      • No-Doc Home Loans
    • Jumbo Mortgages
    • 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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