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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
  • Renovation Mortgage Loans
    FHA 203k Loans | Renovation Mortgage Loans

    Renovation Mortgage Loans For Home Purchase and Refinance

    ByGustan Cho February 22, 2024February 23, 2024
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    In this blog, we will cover and discuss Renovation Mortgage Loans for purchase and refinance transactions. Today we will be covering FHA, VA, and Conventional…

    Read More Renovation Mortgage Loans For Home Purchase and RefinanceContinue

  • How to Buy a Second Home While Owning First
    Second Home Loans | Non-QM Loans

    How To Buy a Second Home While Owning First

    ByGustan Cho February 21, 2024February 22, 2024
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    In this blog, we will be covering for homeowners how to buy a second home while owning first. We will cover some creative ways of…

    Read More How To Buy a Second Home While Owning FirstContinue

  • Verification of Rent
    FHA Loans | Home Purchase

    What Is Verification of Rent For Mortgage

    ByGustan Cho February 21, 2024February 6, 2026
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    This guide covers what is verification of rent required for a mortgage. Borrowers must have made all rental payments for the past 12 months timely—no…

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  • How Do Mortgage Underwriters Calculate Income
    Income and Employment

    How Do Mortgage Underwriters Calculate Income

    BySapna Sharma February 21, 2024September 18, 2025
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    In this article, we will cover the frequently asked question by homebuyers on how do mortgage underwriters calculate income when processing and underwriting a mortgage…

    Read More How Do Mortgage Underwriters Calculate IncomeContinue

  • Using Non-Traditional Credit Tradelines Versus Traditional
    Credit Scores | Mortgage Process | Mortgage Rates

    Fastest and Easiest Way To Increase Credit Scores

    ByAlex Carlcucci February 20, 2024March 21, 2024
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    This guide covers the fastest and easiest way to increase credit scores to get the best mortgage rates. We get countless calls from our viewers…

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  • Automated Underwriting System
    Automated Underwriting System

    What Is The Automated Underwriting System For Mortgages

    ByGustan Cho February 20, 2024January 13, 2026
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    The automated underwriting system (AUS) for mortgages is a sophisticated computer system used by mortgage lenders to see the results of the automated findings of…

    Read More What Is The Automated Underwriting System For MortgagesContinue

  • FHA Loans With Collection Accounts
    FHA Loans | Collections and Charged-Off Accounts

    FHA Loans With Collection Accounts Mortgage Guidelines

    ByGustan Cho February 20, 2024September 23, 2024
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    In this guide on Gustan Cho Associates we will cover qualifying for FHA loans with collection accounts mortgage guidelines. HUD, the parent of FHA loans,…

    Read More FHA Loans With Collection Accounts Mortgage GuidelinesContinue

  • The Mortgage Loan Estimate
    The Loan Estimate and Closing Disclosure

    What Is The Mortgage Loan Estimate?

    ByGustan Cho February 19, 2024February 20, 2024
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    In this guide on what is The Mortgage Loan Estimate, we will cover the loan estimate (LE) in general and detail each section of the…

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  • Credit Scores Increased During Underwriting Process
    Credit Scores | Home Mortgage | Home Purchase | Mortgage Process | Mortgage Rates

    Credit Scores Increased During Underwriting Process

    ByGustan Cho February 19, 2024February 6, 2026
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    In this article, we will cover credit scores increased during underwriting process. If credit scores increased during underwriting process, the borrowers could lock the loan…

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  • Qualifying For Mortgage After Short Sale
    Mortgage After Bankruptcy | Mortgage After Foreclosure | Mortgage After Short Sale

    Guidelines And Tips On Qualifying For Mortgage After Short Sale

    ByGustan Cho February 15, 2024February 6, 2026
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    This Article On Guidelines And Tips On Qualifying For Mortgage After Short Sale Qualifying For Mortgage After Short Sale requires mandatory waiting period after short…

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  • Mortgage With Under 620 Credit Scores
    Mortgage With Low Credit Scores

    Mortgage With Under 620 Credit Scores Guidelines

    ByAlex Carlcucci February 15, 2024February 21, 2024
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    In this guide on buying a house and getting approved for a mortgage with under 620 credit scores, we will cover qualifying for a home…

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  • Refinance FAQ
    Refinance

    Refinance FAQ

    ByGustan Cho February 15, 2024February 6, 2026
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    In this guide, we will be covering the commonly refinance FAQ. There are many refinance mortgage loan programs such as rate and term, cash-out refinance,…

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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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