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  • Types of MortgagesExpand
    • PurchaseExpand
      • Home Purchase LoansExpand
        • Alabama Mortgage Loans
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      • Refinance Mortgage Options
      • Rate and Term Refinance Mortgage Loans
      • Chapter 13 Cash-Out Refinance
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      • Refinancing NON-QM Loans To Conventional Mortgages
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      • Warrantable Condos
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    • 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
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      • VA Manual Underwriting Guidelines For VA Loans
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    • 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
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GCA Mortgage
  • Employment During Mortgage Process
    Gap in Employment

    Switching Employment During Mortgage Approval Process

    ByGustan Cho January 23, 2024February 6, 2026
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    This BLOG On Switching Employment During Mortgage Approval Process Was UPDATED On January 31st, 2019 Income and employment is probably the most important factor, along with…

    Read More Switching Employment During Mortgage Approval ProcessContinue

  • Home Loans With Under 600 Credit Scores
    Lender Overlays | Home Mortgage

    Home Loans With Under 600 Credit Scores With No Overlays

    ByGustan Cho January 23, 2024February 6, 2026
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    This Article Is About Home Loans With Under 600 Credit Scores Gustan Cho Associates are experts in helping borrowers qualify for Home Loans With Under…

    Read More Home Loans With Under 600 Credit Scores With No OverlaysContinue

  • How To Get Credit Cards After Bankruptcy
    Re-Establishing Credit

    How To Get Credit Cards After Bankruptcy To Rebuild Credit

    ByGustan Cho January 19, 2024February 6, 2026
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    This article will discuss how to get credit cards after bankruptcy to rebuild credit to qualify for a mortgage. How can you quickly re-establish credit…

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  • 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 14, 2026
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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…

    Read More Florida Home Loans Requirements For Bad CreditContinue

  • 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…

    Read More Can Co-Signing Affect DTI on Home PurchaseContinue

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

    Guide To Chicago Home Purchase

    ByAnngelli Abenes January 12, 2024January 15, 2026
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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 10, 2026
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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, 2024January 15, 2026
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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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  • VA Streamline Refinance
    Bad Credit Mortgage Loans | FHA Loans | Home Mortgage | Home Purchase | Home Seller

    FHA Loans Versus Conventional Loans

    ByGustan Cho January 7, 2024December 23, 2025
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    In this blog, we will cover the comparison of FHA versus conventional mortgages on purchase and refinance transactions. Prior to home buyers starting the home…

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  • 2020 Mortgage Interest Rates Forecast
    Mortgage Rates

    Mortgage Interest Rates Forecast On Home Loans

    ByAlex Carlcucci December 21, 2023January 13, 2026
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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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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
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  • 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

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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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