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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
  • Happy woman with hand at chin on street
    Jumbo Loans

    Jumbo Loans With Low Credit Scores

    BySapna Sharma November 7, 2023February 10, 2026
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    In this blog, we will cover and discuss qualifying for jumbo loans with low credit scores. Jumbo loans are mortgage loans with higher than conforming…

    Read More Jumbo Loans With Low Credit ScoresContinue

  • On Title But Not On Note
    Mortgage After Foreclosure | Mortgage After Bankruptcy

    On Title But Not on Note Mortgage Guidelines

    ByGustan Cho October 23, 2023December 18, 2023
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    This guide covers qualifying for a mortgage after foreclosure for borrowers on title but not on note. Home buyers with a prior foreclosure who were…

    Read More On Title But Not on Note Mortgage GuidelinesContinue

  • Lower Property Taxes
    Property Taxes

    How To Lower Property Taxes For Homeowners With High Taxes

    ByGustan Cho October 18, 2023February 6, 2026
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    This Article Is About  How To Lower Property Taxes For Homeowners With High Taxes High property taxes are a major problem for homeowners on a…

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  • Credit Scores Used By Lenders To Qualify For Mortgage
    Credit Scores

    Credit Scores Used By Lenders To Qualify For Mortgage

    ByAlex Carlcucci October 17, 2023February 6, 2026
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    This guide covers what credit scores used by lenders to qualify for mortgage loans. Let’s take a mortgage case scenario on what credit scores used…

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  • W2-Income-Only Mortgages
    1099 and W2 Income Only Mortgages | Income and Employment

    W2-Income-Only Mortgages

    ByGustan Cho October 13, 2023February 6, 2026
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    This guide covers qualifying for W2-Income-Only Mortgages. Borrowers who are W-2 wage earners and mortgage underwriters will go off the most recent paycheck stubs reflected…

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  • FICO Versus Vantage Score
    Home Mortgage | Credit Scores

    The Difference Between FICO Versus Vantage Score

    ByGustan Cho October 10, 2023December 18, 2023
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    This guide covers the difference between FICO versus Vantage Score. In personal finance, credit scores are crucial in determining your Eligibility for various financial products,…

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  • Auto Title Loans
    Non-QM Loans | Bad Credit Mortgage Loans

    What Are Auto Title Loans and How Does It Work

    ByGustan Cho October 9, 2023January 13, 2026
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    This guide covers what auto title loans are and how title loans work. Some people can’t get traditional loans or don’t have the time it…

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  • Condominium Loans

    Condo

    ByGustan Cho October 7, 2023February 5, 2026
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    What are condos? You might ask yourself what a condominium is? Some people think that a condominium is a fancy apartment.   A condominium, also…

    Read More CondoContinue

  • Qualifying For Mortgage With Bad Credit And Late Payments
    Bad Credit Mortgage Loans

    Qualifying For Mortgage With Bad Credit And Late Payments

    ByGustan Cho October 7, 2023February 6, 2026
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    This Article On Qualifying For Mortgage With Bad Credit And Late Payments Qualifying for mortgage with bad credit is ambiguous and can be wide-ranging. Many…

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  • FHA Streamline Refinance
    Home Purchase

    Counter Offers On Real Estate Purchase

    BySapna Sharma October 7, 2023November 4, 2024
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    This Article Is About Home Buyers With Counter Offers On Real Estate Purchase The housing market has been booming for the past several years. Home…

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  • 2-To-4 Unit Multi-Family Mortgage Guidelines
    Conventional loans | Multi-Family Homes | Multi-Family Mortgages | Real Estate Topic | Videos

    2-To-4 Unit Multi-Family Mortgage Guidelines

    ByGustan Cho October 7, 2023January 15, 2026
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    Apply Now This guide covers the breaking news on the downpayment requirement on 2-to-4 Unit Multi-Family mortgage loans and the eligibility requirements to purchase a…

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  • IDHA Down Payment Assistance Mortgage
    First-Time Homebuyers | Down Payment and Closing Costs | Home Purchase | Real Estate Topic | Videos

    IDHA Down Payment Assistance Mortgage Program

    ByDale Elenteny September 26, 2023January 15, 2026
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    This guide covers the IDHA down payment assistance mortgage program for first-time homebuyers. In today’s rising economy, many Americans need down payment assistance to buy…

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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

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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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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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