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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
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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
Documents Required For Mortgage Process
Home Mortgage | Home Purchase

Documents Required For Mortgage Process

BySapna Sharma January 18, 2024October 4, 2024
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  In this guide, we will cover the steps in getting qualified and pre-approved and the documents required for mortgage process. There are three simple…

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FAQ on FHA Loan Requirements
Bad Credit Mortgage Loans

Florida Home Loans Requirements For Bad Credit

ByGustan Cho January 17, 2024January 17, 2024
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This article covers Qualifying For Florida Home Loans With Poor Credit. Thousands of families are moving to Florida to call it home. With a great…

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Can Co-Signing Affect DTI on Home Purchase
Debt-To-Income Ratio | High Debt-To-Income Ratio | Non-Occupant Co-Borrowers

Can Co-Signing Affect DTI on Home Purchase

ByGustan Cho January 16, 2024January 16, 2024
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In this article, we will cover the topic of whether can co-signing affect DTI on home purchase. There are instances non-occupant co-borrowers love to co-sign…

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Guide To Chicago Home Purchase
Home Mortgage | Home Purchase | Real Estate Topic

Guide To Chicago Home Purchase

ByRonda Butts January 12, 2024February 2, 2024
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This guide covers Chicago home purchase. Thinking about buying a home in the city of Chicago? You may want to rethink a Chicago Home Purchase…

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Reverse Mortgage Qualifications
Reverse Mortgages

Reverse Mortgage Qualifications And Requirements

ByMichael Gracz January 12, 2024October 7, 2024
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This BLOG On Reverse Mortgage Qualifications And Requirements Was UPDATED And PUBLISHED On March 19th, 2020 Homeowners who are 62 years of age and older…

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Homebuyers can qualify for an FHA loan with timeshare foreclosure with no waiting period. Timeshares do not count as a housing event
Home Purchase

Home Purchase Without Spouse on Mortgage Note

ByGustan Cho January 11, 2024February 28, 2024
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This guide covers home purchase without spouse on mortgage note. Many home buyers automatically assume that if someone is married then both people need to…

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Closing Disclosure
Home Mortgage | Home Purchase

Owner-Occupant Home Guidelines

ByAlex Carlcucci January 8, 2024May 17, 2024
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This  guide covers owner-occupant home guidelines. Both HUD and Fannie Mae have strict guidelines when it comes to owner-occupant financing. First of all, HUD, the…

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Uncategorized

Feds Cut Rates For The Third Time This Year

ByGustan Cho January 7, 2024November 4, 2024
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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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VA Streamline Refinance
Bad Credit Mortgage Loans | FHA Loans | Home Mortgage | Home Purchase | Home Seller

FHA Loans Versus Conventional Loans

ByGustan Cho January 7, 2024November 4, 2024
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FHA Loans are the most popular mortgage programs today due to the many benefits it offers. There are thousands of mortgage loan applicants with great…

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15 YEAR FIXED MORTGAGE RATE VS. 30 YEARS
Mortgage Refinance

Refinancing 30 Year Fixed Rate Loan To 15 Year Fixed Mortgage Rate

ByGustan Cho December 21, 2023December 21, 2023
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This BLOG On Refinancing 30 Year Fixed Rate Loan To 15 Year Fixed Mortgage Rate Was UPDATED On January 7th, 2019 There are various fixed mortgage…

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2020 Mortgage Interest Rates Forecast
Mortgage Rates

Mortgage Interest Rates Forecast On Home Loans

ByAlex Carlcucci December 21, 2023January 17, 2024
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This ARTICLE On 2020 Mortgage Interest Rates Forecast On Home Loans Was PUBLISHED On March 20, 2020. The stock market has been extremely volatile in…

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Funding For Doctors At Doctors Funding Group
Home Mortgage | Home Purchase

Doctors Funding Group: Financing For Medical Professionals

BySapna Sharma December 15, 2023October 7, 2024
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This ARTICLE On Doctors Funding Group: Financing For Medical Professionals Was PUBLISHED On July 19th, 2018 Doctors Funding Group is a national direct lender for…

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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

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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

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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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