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  • Types of MortgagesExpand
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        • 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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    • Condominium LoansExpand
      • 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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    • Conventional LoansExpand
      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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    • Non-QM LoansExpand
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GCA Mortgage
  • Buying a House in New Mexico
    Bank Statement Mortgages | VA Loans | Videos

    Getting Approved For a VA Loan Buying a Home in New Mexico

    ByGustan Cho September 22, 2023February 10, 2026
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    This guide covers buying a home in New Mexico with bad credit. Are you an active duty military service member or a veteran looking to…

    Read More Getting Approved For a VA Loan Buying a Home in New MexicoContinue

  • Buying a Home in Hawaii
    First-Time Homebuyers | Home Mortgage | Real Estate Topic | Videos

    Buying a Home in Hawaii With Bad Credit

    ByGustan Cho September 20, 2023January 15, 2026
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    This guide covers buying a home in Hawaii with bad credit and low credit scores. Even though buying a home in Hawaii on the islands…

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  • Appraisal | Home Purchase | Real Estate Appraisal | Videos

    What Is a Home Appraisal

    ByAlex Carlcucci September 19, 2023February 5, 2026
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    This guide covers what is a home appraisal and how the property appraisal process works during the home buying process. When buying a home, there…

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  • Manufactured Homes
    Home Mortgage

    How To Finance Manufactured Homes

    ByAnngelli Abenes September 18, 2023February 6, 2026
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    This guide covers manufactured home mortgage guidelines. We will discuss qualifying for manufactured home mortgage loans.  Manufactured homes are built at a factory and delivered…

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  • Federal Reserve Board And How It Affects Mortgage Rates Explained
    Home Mortgage | Mortgage Rates | Real Estate Topic | Videos

    How The Federal Reserve Board Affects Mortgage Rates

    ByAlex Carlcucci September 18, 2023December 18, 2023
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    This guide covers how the Federal Reserve Board affects mortgage rates. Information received since the Federal Open Market Committee met last quarter indicates that economic…

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  • Letter of Explanation To Mortgage Underwriters
    Mortgage Process | Mortgage Pre-Approval

    How To Write Letter of Explanation To Mortgage Underwriters

    ByMargarett Jurilla September 17, 2023July 25, 2025
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    Apply Now In this article, we will discuss how to write a letter of explanation to mortgage underwriters. Borrowers must get accustomed to writing letters…

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  • Mortgage Rates
    Mortgage Rates | Videos

    Understanding How Mortgage Rates Are Priced on Home Loans

    ByGustan Cho September 17, 2023December 16, 2025
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    This guide covers how mortgage rates are priced on home loans. When purchasing a home, most people require a home loan to finance the purchase….

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  • WHAT ARE HIGH ILLINOIS PROPERTY TAXES MAKING TAXPAYERS TO LEAVE THE STATE
    Forex News

    High Illinois Property Taxes Making Taxpayers To Leave The State

    BySapna Sharma September 17, 2023February 10, 2026
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    This Article Is About High Illinois Property Taxes Making Taxpayers To Leave The State  Gustan Cho Associates have written multiple articles recently on how high…

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  • What Is a Homeowner Warranty?
    Real Estate Topic | Home Mortgage | Home Purchase | Videos

    Benefits of Buying a House With Homeowner Warranty

    ByGustan Cho September 10, 2023February 5, 2026
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    This guide covers the benefits of buying a home with a homeowner warranty. Most home builders offer their homebuyers a home warranty. Homeowner warranty is…

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  • VA Loans With Charge-Offs
    Home Mortgage | Real Estate Topic

    Who Is Responsible For The Mortgage After The Borrower Dies

    ByDale Elenteny September 8, 2023April 17, 2024
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    This guide covers who is responsible for the mortgage after the borrower dies. A mortgage is a long-term debt that usually takes decades to pay…

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  • Home Equity Line of Credit versus Cash-Out Refinance
    Home Mortgage

    Home Equity Line of Credit versus Cash-Out Refinance

    ByDale Elenteny August 1, 2023December 18, 2023
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    This guide covers the difference between home equity line of credit versus cash-out refinance mortgage loans. A home equity line of credit, often referred to…

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  • Documents Required For Mortgage Process
    Mortgage Process | Manual Underwriting

    Things To Avoid During Mortgage Loan Process For a CTC

    ByAlex Carlcucci July 13, 2023February 6, 2026
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    In this article, we will cover things to avoid during mortgage loan process for homebuyers. The mortgage process can be very stressful but does not…

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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
  • 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
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Contact Us

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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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