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  • Types of MortgagesExpand
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      • FHA Manual Underwriting Mortgage Guidelines
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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
  • Open House
    Real Estate Topic

    Open House Benefits For Home Buyers Prior To Purchase Offer

    ByGustan Cho June 7, 2023February 6, 2026
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    This Article Is About Open House Benefits For Home Buyers Prior To Offer Offer Many seller’s realtors offer an open house on their home listings….

    Read More Open House Benefits For Home Buyers Prior To Purchase OfferContinue

  • Fannie Mae And Freddie Mac Chapter 13 Guidelines On Conventional Loans
    Conventional loans | Multi-Family Mortgages

    Freddie Mac Home Possible Mortgage Guidelines

    ByGustan Cho June 6, 2023September 17, 2025
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    This article is on Freddie Mac Home Possible Mortgage Guidelines. Freddie Mac Home Possible Mortgage UPDATED on July 6th, 2023, by Paulyn Balagot, an associate…

    Read More Freddie Mac Home Possible Mortgage GuidelinesContinue

  • Non-Traditional Credit Tradelines To Qualify For Mortgage
    Re-Establishing Credit | Videos

    Non-Traditional Credit Tradelines To Qualify For Mortgage

    ByAlex Carlcucci May 26, 2023February 6, 2026
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    This Article Is About Non-Traditional Credit Tradelines To Qualify For Mortgage Borrowers without any credit tradelines reporting on credit reports can still qualify for a…

    Read More Non-Traditional Credit Tradelines To Qualify For MortgageContinue

  • Closing Disclosure
    Income and Employment

    Verification Of Employment And Income Mortgage Guidelines

    ByGustan Cho May 10, 2023February 6, 2026
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    In this blog, we will cover and discuss the verification of employment and income mortgage guidelines. Employment, income, and credit are the most important factors…

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  • Government Shutdown
    FHA Loans

    Update On Government Shutdown And Mortgage Process

    ByDale Elenteny April 26, 2023February 6, 2026
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    This Article Is About Government Shutdown And Mortgage Process Many of my clients and realtors are concerned with the government shutdown and how this temporary…

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  • Qualifying Credit Scores Used By Lenders
    mortgage | Mortgage Rates

    When Credit Repair Does Not Work For Mortgage Qualification

    ByAlex Carlcucci April 18, 2023February 6, 2026
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    This Article Is About When Credit Repair Does Not Work For Mortgage Qualification Cases When Credit Repair Does Not Work For Mortgage Qualification: Credit Repair is…

    Read More When Credit Repair Does Not Work For Mortgage QualificationContinue

  • Buying For Sale By Owner Homes | Home Buyers Guide
    Real Estate Topic | Videos

    Buying For Sale By Owner Homes | Home Buyers Guide

    ByGustan Cho April 4, 2023January 15, 2026
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    In this blog, we will cover and discuss buying for sale by owner homes. Most homebuyers purchase a home that is listed on the MLS…

    Read More Buying For Sale By Owner Homes | Home Buyers GuideContinue

  • VA Loans With Charge-Offs
    Home Mortgage | Home Purchase | Mortgage Process

    Mortgage Mistakes To Avoid During the Home Loan Process

    ByDale Elenteny April 4, 2023February 6, 2026
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    In this blog, we will cover and discuss the top 11 time-consuming mortgage mistakes to avoid during the home buying process. When buying a house,…

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  • Illinois First Time Homebuyer
    First-Time Homebuyers

    Illinois First Time Homebuyer Mortgage And DPA Programs

    ByGustan Cho April 3, 2023February 6, 2026
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    This ARTICLE On Illinois First Time Homebuyer Mortgage And DPA Programs Illinois has skyrocketing rents. Many and more renters are pursuing buying a home This…

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  • How To Get a Mortgage in Wyoming
    Mortgage Rates | Mortgage Process | Videos

    How To Get a Mortgage In Wyoming With The Best Rates

    ByGustan Cho March 20, 2023February 5, 2026
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    In this blog, we will cover how to get a mortgage in Wyoming with the best mortgage rates with a lender with no lender overlays….

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  • Rent-To-Own Homes
    Home Purchase

    What Are Rent-To-Own Homes?

    ByMargarett Jurilla March 9, 2023February 6, 2026
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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, 2023January 15, 2026
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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…

    Read More How Much Are Closing Costs For HomebuyersContinue

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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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  • 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

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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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