Skip to content
GCA Mortgage
  • About UsExpand
    • 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 MortgagesExpand
    • PurchaseExpand
      • Home Purchase LoansExpand
        • Alabama Mortgage Loans
      • Investment Property Loans
    • RefinanceExpand
      • 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 LoansExpand
      • Warrantable Condos
      • Non-Warrantable Condos
      • Condotel Financing
    • FHA LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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
  • CareersExpand
    • Career OpportunitiesExpand
      • MLO License School
    • Mortgage Career Opportunities
    • REALTOR-MLO Career Opportunities
  • Videos
  • Testimonials
  • Blog
  • Talk To Loan Officer
GCA Mortgage
  • FHA Manual Underwriting Guidelines
    Manual Underwriting

    FHA Manual Underwriting Guidelines For FHA Loans

    ByGustan Cho February 7, 2024February 12, 2024
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    In this guide on FHA manual underwriting, we will cover the manual underwriting guidelines on FHA loans and the eligibility requirements. FHA Manual Underwriting Guidelines…

    Read More FHA Manual Underwriting Guidelines For FHA LoansContinue

  • Do All Lenders Have The Same VA Credit Score Guidelines
    VA Loans

    Do All Lenders Have The Same VA Credit Score Guidelines

    ByGustan Cho February 7, 2024February 6, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    One of the most common questions the team at Gustan Cho Associates often get is Do All Lenders Have The Same VA Credit Score Guidelines?…

    Read More Do All Lenders Have The Same VA Credit Score GuidelinesContinue

  • https://gustancho.com/wp-content/uploads/2021/04/Mortgage-Rates-With-Low-Credit-Scores-And-Pricing-Adjustments.jpg
    Credit Scores | Mortgage Rates

    Pricing Adjustments of Mortgage Rates With Low Credit Scores

    ByGustan Cho February 2, 2024February 6, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    This guide covers the loan-level pricing adjustments of mortgage rates with low credit scores. Borrowers will get higher mortgage rates with low credit scores. Lenders…

    Read More Pricing Adjustments of Mortgage Rates With Low Credit ScoresContinue

  • Tax Benefits of Owning a Home vs Renting
    Home Purchase

    9 Reasons Why To Buy a Townhouse For First-Time Homebuyers

    ByGustan Cho February 1, 2024February 10, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    In this blog, we will cover and discuss 9 reasons why to buy a townhouse for first-time homebuyers. Homebuyers often compare buying townhouses versus single-family…

    Read More 9 Reasons Why To Buy a Townhouse For First-Time HomebuyersContinue

  • Buying a House in Alaska With Bad Credit
    1099 and W2 Income Only Mortgages | Asset-Depletion Mortgages | Bad Credit Mortgage Loans | Bank Statement Mortgages | DSCR Mortgage Loans | Mortgage After Bankruptcy | Mortgage After Foreclosure | Mortgage After Short Sale | Videos

    Buying a House in Alaska With Bad Credit and Low FICO Scores

    ByGustan Cho January 31, 2024January 13, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    This article will cover buying a house in Alaska with bad credit and low FICO credit scores. Are you looking to buy property in one…

    Read More Buying a House in Alaska With Bad Credit and Low FICO ScoresContinue

  • Mortgage After Timeshare Foreclosure
    Timeshare | Mortgage After Foreclosure | Mortgage After Short Sale | Videos

    Mortgage After Timeshare Foreclosure With No Waiting Period

    ByGustan Cho January 31, 2024February 10, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    This article will cover getting approved for a mortgage after timeshare foreclosure with no waiting period requirements. A timeshare foreclosure is not a real estate…

    Read More Mortgage After Timeshare Foreclosure With No Waiting PeriodContinue

  • No Waiting Period After Foreclosure With NON-QM Loans
    Mortgage After Bankruptcy | Mortgage After Foreclosure | Videos

    No Waiting Period After Foreclosure With NON-QM Loans

    ByGustan Cho January 31, 2024January 13, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

      This blog will cover no waiting period after foreclosure with non-QM loans. Prior homeowners who went through a foreclosure, a deed-in-lieu of foreclosure, or…

    Read More No Waiting Period After Foreclosure With NON-QM LoansContinue

  • Fannie Mae 5-10 Financed Properties Guidelines
    Conventional loans | Investment Home Loans | Non-QM Loans

    Fannie Mae 5-10 Financed Properties Guidelines

    ByGustan Cho January 31, 2024February 12, 2024
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    Suppose you’re a real estate investor or looking to finance multiple properties. You may have heard of Fannie Mae 5-10 financed properties guidelines in that…

    Read More Fannie Mae 5-10 Financed Properties GuidelinesContinue

  • Working Two Full-Time Jobs To Qualify For Mortgage
    Income and Employment | Gap in Employment | Videos

    Working Two Full-Time Jobs To Qualify For Mortgage

    ByGustan Cho January 31, 2024February 2, 2024
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    In this blog, we will cover working two full-time jobs to qualify for mortgage. The 2008 Real Estate And Financial Meltdown affected millions of hard-working…

    Read More Working Two Full-Time Jobs To Qualify For MortgageContinue

  • Investor Lender Overlays
    Mortgage Lender Overlays

    Investor Lender Overlays And How It Prevents Getting Mortgage Approval

    ByGustan Cho January 29, 2024February 6, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    This BLOG On Investor Lender Overlays And How It Prevents Getting Mortgage Approval Was UPDATED On April 26th, 2019 Home buyers need to qualify for…

    Read More Investor Lender Overlays And How It Prevents Getting Mortgage ApprovalContinue

  • How Is Other Income Calculated By Underwriters
    Income and Employment

    How Do Underwriters View Commission Income For 1099 Wage Earners

    ByGustan Cho January 29, 2024February 6, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    This BLOG On How Do Underwriters View Commission Income For 1099 Wage Earners Was UPDATED On April 28th, 2019 Just because a person is employed and…

    Read More How Do Underwriters View Commission Income For 1099 Wage EarnersContinue

  • Mortgage With Collection Accounts
    Mortgage With Collections

    Mortgage With Collection Accounts Lending Guidelines

    ByMichael Gracz January 23, 2024January 31, 2024
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    In this article, we will cover and discuss qualifying for a mortgage with collection accounts. If you are a longtime reader of Gustan Cho Associates…

    Read More Mortgage With Collection Accounts Lending GuidelinesContinue

Page navigation

Previous PagePrevious 1 … 20 21 22 23 24 … 32 Next PageNext

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
  • GCA Forum

Contact Us

  • Email: alex@gustancho.com, gcho@gustancho.com
  • Phone: (800) 900-8569

Connect with Social Media

  • Facebook
  • YouTube
  • LinkedIn
  • Instagram
  • TikTok
  • Tumblr

Resources

  • Resources
  • Talk To A Loan Officer
  • FICO Simulator
  • MLO License School
  • Documents Required
  • How To Increase FICO
  • Rebuild Credit
  • How To Reach a Live Person at Credit Bureaus
  • Remove Credit Disputes
  • Mortgage Career Opportunities
  • REALTOR-MLO Career Opportunities
  • Why Gustan Cho Associates
  • DACA Mortgage Loans
  • Gustan Cho Associates Videos
  • Contact Us at Gustan Cho Associates
  • Find Loan Limits
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

© 2023 - NEXA Mortgage LLC. All Rights Reserved.

Scroll to top Call Now
  • 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
Search