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GCA Mortgage
Rent-To-Own Homes
Home Purchase

What Are Rent-To-Own Homes?

ByRonda Butts March 9, 2023December 18, 2023
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In this blog, we will cover what are rent-to-own homes and how they work.  Rent-to-own homes offer both home buyers and home sellers advantages. Homebuyers…

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How Much Are Closing Costs
Collections and Charged-Off Accounts

How Much Are Closing Costs For Homebuyers

ByDale Elenteny March 8, 2023February 4, 2025
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Apply Now The down payment on a home purchase is a fixed percentage but not closing costs. There are two types of payments that are…

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Refinancing With Bad Credit and Low Credit Scores
First-Time Homebuyers

First-Time Home Buyers FAQ on Qualifying For Mortgage

ByGustan Cho March 5, 2023July 10, 2024
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In this blog, we will cover and discuss first-time home buyers FAQ on qualifying for a mortgage. With skyrocketing home prices, many renters are seriously…

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Why Are People Fleeing Illinois
Bad Credit Mortgage Loans | Home Mortgage | Home Purchase

Why Are People Fleeing Illinois

ByAlex Carlcucci March 4, 2023May 15, 2024
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Many people are perplexed why are people fleeing Illinois like never before in history. Illinois is a great place to live and raise a family…

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FHA Mortgage Insurance Guidelines
FHA Loans | Mortgage Insurance | Videos

UPDATE on FHA Mortgage Insurance Premium on FHA Loans

ByMichael Gracz February 27, 2023April 16, 2024
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HUD, the Federal Housing Administration parent, has lowered the hefty FHA mortgage insurance premium on FHA loans by 30 basis points. The annual FHA mortgage…

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Waiting Period After Bankruptcy And Foreclosure Mortgage Guidelines
Mortgage After Bankruptcy | Mortgage After Foreclosure | Videos

Waiting Period After Bankruptcy and Foreclosure Guidelines

ByAnngelli Abenes February 26, 2023April 25, 2024
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  This blog will cover the waiting period after bankruptcy and foreclosure mortgage guidelines on government and conventional loans. There is a mandatory waiting period…

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Hard Money Loans For Bad Credit
Hard Money Loans | Videos

Hard Money Loans For Bad Credit

ByAnngelli Abenes February 26, 2023August 23, 2024
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This guide will cover using hard money loans for bad credit borrowers to purchase real estate properties. Many folks have heard of hard money loans…

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Down Payment For Home Purchase Requirements (1)
Home Purchase | Down Payment and Closing Costs | Videos

Down Payment For Home Purchase Guidelines By Lenders

ByGustan Cho February 25, 2023November 18, 2024
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In this guide, we will cover down payment for home purchase requirements by mortgage lenders. Homebuyers planning to purchase a home have two types of…

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Do All Lenders Have The Same VA Credit Score Guidelines
Lender Overlays | Mortgage Process

Mortgage Loan Programs With No Lender Overlays

ByGustan Cho February 20, 2023December 16, 2024
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This  Article Is About Mortgage Loan Programs With No Lender Overlays Over 75% of our borrowers are folks who either get a last-minute mortgage loan…

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Closing Disclosure
Judgment

Refinance With Judgment Mortgage Lending Guidelines

ByGustan Cho February 20, 2023February 20, 2024
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This Article Is About A Refinance With Judgment Mortgage Lending Guidelines A judgment is a ruling by the courts that a debtor is liable for…

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Conventional Mortgage After Short Sale and Deed-in-Lieu
Conventional loans

Conventional Mortgage after Short Sale and Deed-In-Lieu

ByGustan Cho February 19, 2023December 16, 2024
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Get a Fast Quote: Click Here This blog will cover conventional mortgage after short sale and deed-in-lieu of foreclosure. Homeowners who have had a deed-in-lieu…

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What Is The Waiting Period To Qualify For A VA Loan After Foreclosure
VA Loans | Videos

VA Loan After Foreclosure Waiting Period Requirements

ByGustan Cho February 17, 2023December 18, 2023
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Apply Now VA loan after foreclosure waiting period requirements is the same for deed-in-lieu of foreclosure and short-sale. Foreclosure, deed-lieu of foreclosure, and short sale…

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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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Recent Articles

  • Home Loans With Under 600 Credit Scores
    What Happens If Credit Scores Drop During Mortgage Process
    by Gustan Cho
    May 15, 2025
  • 2 To 4 Unit Mortgage Loans Mortgage Guidelines And Requirements
    2 To 4 Unit Mortgage Loans Mortgage Guidelines And Requirements
    by Gustan Cho
    May 15, 2025

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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: 3100 Ray Road Suite 201 Office 209 Chandler AZ 856226 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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