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

    Doctors Funding Group: Financing For Medical Professionals

    BySapna Sharma December 15, 2023February 6, 2026
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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…

    Read More Doctors Funding Group: Financing For Medical ProfessionalsContinue

  • Adjustable Rate Mortgage (2)
    Home Mortgage | Home Purchase | Mortgage Rates

    Adjustable-Rate Mortgage Interest Rates Are Lower

    ByAlex Carlcucci December 15, 2023February 14, 2024
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    In this article, we will discuss and cover adjustable-rate mortgage interest rates. Let us help figure out what is best! And if an ARM, Adjustable-Rate…

    Read More Adjustable-Rate Mortgage Interest Rates Are LowerContinue

  • Mortgage Process For Home Buyers
    Mortgage Process

    Mortgage Process For Home Buyers And How Home Loan Process Works

    BySapna Sharma December 13, 2023February 6, 2026
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    This BLOG On Mortgage Process For Home Buyers And How Home Loan Process Works Was Written By Gustan Cho NMLS 873293 Mortgage Process For Home Buyers…

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  • Maximum Monthly Mortgage Payment Affordability Versus Qualified
    Income and Employment

    What Is Maximum Monthly Mortgage Payment You Can Afford?

    ByGustan Cho December 11, 2023February 6, 2026
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    In this blog, we will cover and discuss what is maximum monthly mortgage payment you can afford versus how much you qualify.  As technological advances…

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  • Condo Hotel Purchase Financing
    Condominium Loans

    Florida Non-Warrantable & Condo Hotel Purchase Financing

    ByAlex Carlcucci December 6, 2023February 10, 2026
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    This BLOG On Florida Non-Warrantable & Condo Hotel Purchase Financing Was Updated And PUBLISHED On February 21st, 2020 Non-Warrantable and Condo Hotel Purchase Financing is…

    Read More Florida Non-Warrantable & Condo Hotel Purchase FinancingContinue

  • TRID Mortgage Regulations
    Home Mortgage | Home Purchase | Home Seller

    Multiple Offers By Homebuyers on Purchases of Listed Homes

    ByAlex Carlcucci December 1, 2023February 6, 2026
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    This guide covers multiple offers by homebuyers on purchases of listed homes. How do you tackle cases of multiple offers by homebuyers on purchases? The…

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  • FHA Loans With Low Credit Scores
    Collections and Charged-Off Accounts | Credit Scores | FHA Loans | Mortgage With Low Credit Scores | Videos

    FHA Loans With Low Credit Scores Mortgage Guidelines

    ByAlex Carlcucci November 27, 2023December 18, 2023
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    Apply Now This blog will cover qualifying for FHA loans with low credit scores and bad credit mortgage guidelines. FHA loans are this country’s most…

    Read More FHA Loans With Low Credit Scores Mortgage GuidelinesContinue

  • FHA Facts From Fiction
    FHA Loans | Lender Overlays | Videos

    FHA Facts From Fiction on FHA Loans

    ByGustan Cho November 21, 2023January 18, 2024
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    This guide covers FHA facts from fiction on FHA loans.  Many homebuyers often get confused when shopping for a mortgage. What are the FHA facts…

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  • Mortgage Rates on FHA vs Conventional Loans
    Mortgage Rates | Conventional loans | FHA Loans | Videos

    Mortgage Rates on FHA vs Conventional Loans

    ByMargarett Jurilla November 14, 2023December 18, 2023
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    This guide covers mortgage rates on FHA vs conventional loan rates. Mortgage rates on FHA vs conventional loans have been steady for the past year….

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  • FHA Versus NON-QM Loans
    Non-QM Loans | FHA Loans | Mortgage After Bankruptcy | Mortgage After Foreclosure | Mortgage After Short Sale | Videos

    FHA Versus NON-QM Loans

    ByAlex Carlcucci November 13, 2023February 5, 2026
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    This guide covers qualifying for FHA versus non-QM loans. In the following paragraphs, we will cover qualifying and getting approved for FHA versus NON-QM loans. …

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  • Mortgage During Chapter 13 Bankruptcy
    Mortgage After Bankruptcy | Manual Underwriting | Videos

    Mortgage During Chapter 13 Bankruptcy Guidelines

    ByAnngelli Abenes November 11, 2023July 28, 2025
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    Apply Now This blog will fully explain how to qualify for a mortgage during  Chapter 13 Bankruptcy. We will review a detailed list of qualifying…

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  • Financing Owner-Occupant Homes
    Videos | Home Purchase | Investment Home Loans

    Financing Owner-Occupant Homes Versus Non-Owner Properties

    ByAnngelli Abenes November 10, 2023December 18, 2023
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    This guide covers owner-occupant homes versus non-owner properties. Financing owner-occupied homes offers the best interest rate, the lowest down payment requirement, a higher debt-to-income ratio,…

    Read More Financing Owner-Occupant Homes Versus Non-Owner PropertiesContinue

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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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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

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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
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    • REALTOR-MLO Career Opportunities
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