Skip to content
GCA Mortgage
  • About UsExpand
    • 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 MortgagesExpand
    • PurchaseExpand
      • Home Purchase LoansExpand
        • Alabama Mortgage Loans
      • Investment Property Loans
    • RefinanceExpand
      • 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 LoansExpand
      • Warrantable Condos
      • Non-Warrantable Condos
      • Condotel Financing
    • 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
      • FHA Loan With Judgment
      • FHA Loans With Tax Lien
      • FHA W-2 Income Only FHA
      • FHA Loans with Charged-Offs Account
      • FHA Collections
    • VA LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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
  • CareersExpand
    • Career OpportunitiesExpand
      • MLO License School
    • Mortgage Career Opportunities
    • REALTOR-MLO Career Opportunities
  • Videos
  • Testimonials
  • Blog
  • Talk To Loan Officer
GCA Mortgage
  • Why Are People Fleeing Illinois
    Bad Credit Mortgage Loans | Home Mortgage | Home Purchase

    Why Are People Fleeing Illinois

    ByAlex Carlcucci March 4, 2023February 10, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    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…

    Read More Why Are People Fleeing IllinoisContinue

  • 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
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    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…

    Read More UPDATE on FHA Mortgage Insurance Premium on FHA LoansContinue

  • 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
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

      This blog will cover the waiting period after bankruptcy and foreclosure mortgage guidelines on government and conventional loans. There is a mandatory waiting period…

    Read More Waiting Period After Bankruptcy and Foreclosure GuidelinesContinue

  • 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
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    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…

    Read More Down Payment For Home Purchase Guidelines By LendersContinue

  • Mortgage Rates are Increasing
    Lender Overlays | Mortgage Process

    Mortgage Loan Programs With No Lender Overlays

    ByGustan Cho February 20, 2023December 16, 2024
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    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…

    Read More Mortgage Loan Programs With No Lender OverlaysContinue

  • Refinance With Judgment Mortgage Lending Guidelines
    Judgment

    Refinance With Judgment Mortgage Lending Guidelines

    ByGustan Cho February 20, 2023October 20, 2025
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    If you need to refinance with judgment on your record, you’re not alone, and you’re not out of options. Many homeowners carry old civil judgments…

    Read More Refinance With Judgment Mortgage Lending GuidelinesContinue

  • 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
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    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…

    Read More Conventional Mortgage after Short Sale and Deed-In-LieuContinue

  • 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
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    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…

    Read More VA Loan After Foreclosure Waiting Period RequirementsContinue

  • Non-Conforming Mortgage Loans
    Videos | Non-QM Loans

    Non-Conforming Mortgage Loans

    ByGustan Cho February 16, 2023February 6, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    This article will cover non-conforming mortgage loans and bank statement mortgages for self-employed borrowers. There are no income tax returns required on bank statement mortgages. …

    Read More Non-Conforming Mortgage LoansContinue

  • Bank Statements In The Mortgage Process
    Manual Underwriting | Mortgage Process | Videos

    Bank Statements In The Mortgage Process

    ByGustan Cho February 15, 2023January 13, 2026
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    In this guide, we will cover bank statements in the mortgage process. We will discuss how mortgage underwriters analyze bank statements of mortgage loan applicants….

    Read More Bank Statements In The Mortgage ProcessContinue

  • Difference Between Pre-Qualification Vs Pre-Approval
    Manual Underwriting | Mortgage Process | Videos

    Pre-Qualification vs Pre-Approval

    ByAlex Carlcucci February 14, 2023December 18, 2023
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    Apply Now In this guide, we will cover pre-qualification vs pre-approval homebuyers. A pre-qualification is a general informal approval to see if the borrower qualifies…

    Read More Pre-Qualification vs Pre-ApprovalContinue

  • Mortgage Underwriter
    Mortgage Process | Manual Underwriting | Videos

    Mortgage Underwriter Role During The Mortgage Process

    ByDale Elenteny February 13, 2023December 18, 2023
    Tweet
    Share
    Share
    Pin
    Share
    0 Shares

    Apply Now This blog will cover and discuss the mortgage underwriter role during the mortgage process. For borrowers ready to apply for a residential mortgage…

    Read More Mortgage Underwriter Role During The Mortgage ProcessContinue

Page navigation

Previous PagePrevious 1 … 26 27 28 29 30 … 32 Next PageNext

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
  • GCA Forum

Contact Us

  • Email: alex@gustancho.com, gcho@gustancho.com
  • Phone: (800) 900-8569

Connect with Social Media

  • Facebook
  • YouTube
  • LinkedIn
  • Instagram
  • TikTok
  • Tumblr

Resources

  • Resources
  • Talk To A Loan Officer
  • FICO Simulator
  • MLO License School
  • Documents Required
  • How To Increase FICO
  • Rebuild Credit
  • How To Reach a Live Person at Credit Bureaus
  • Remove Credit Disputes
  • Mortgage Career Opportunities
  • REALTOR-MLO Career Opportunities
  • Why Gustan Cho Associates
  • DACA Mortgage Loans
  • Gustan Cho Associates Videos
  • Contact Us at Gustan Cho Associates
  • Find Loan Limits
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

© 2023 - NEXA Mortgage LLC. All Rights Reserved.

Scroll to top Call Now
  • 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
Search