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  • Types of MortgagesExpand
    • PurchaseExpand
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        • Alabama Mortgage Loans
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      • Refinance Mortgage Options
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      • Chapter 13 Cash-Out Refinance
      • FHA Streamline Refinance Mortgages
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      • Refinancing NON-QM Loans To Conventional Mortgages
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      • Warrantable Condos
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      • 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
  • Home Loan After Bankruptcy And Foreclosure
    Mortgage After Bankruptcy | Mortgage After Foreclosure | Videos

    Home Loan After Bankruptcy and Foreclosure Guidelines

    ByGustan Cho February 10, 2023June 28, 2024
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    Apply Now n this article, we will discuss qualifying for a home loan after bankruptcy and foreclosure. The great news for home buyers is that…

    Read More Home Loan After Bankruptcy and Foreclosure GuidelinesContinue

  • Secured Credit Cards
    Secured Credit Cards

    Using Secured Credit Cards To Increase Scores For Mortgage

    ByDale Elenteny February 9, 2023December 16, 2025
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    This blog will discuss getting and using secured credit cards to boost your credit scores to qualify for a mortgage. Getting secured is the fastest…

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  • There was a lot of talk of a recession last year. However, with good economic news reporting quarter after quarter, the fear of a recession seemed to have faded away.
    First-Time Homebuyers

    $100 HUD Home Purchase Program For Home Buyers

    ByAlex Carlcucci February 9, 2023February 10, 2026
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    This Article Is On $100 HUD Home Purchase Program For Home Buyers Many renters who have been renting for many years do not even consider…

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  • Condotel Financing
    Real Estate Topic

    Curb Appeal When Selling Your Home

    ByGustan Cho February 2, 2023January 29, 2026
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    In this article, we  will cover the importance of curb appeal when selling your home. We will also discuss how the importance of curb appeal…

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  • FHA Multi-Family-Unit Self-Sufficiency Test
    Multi-Family Mortgages | Multi-Family Homes | Videos

    FHA Multi-Family-Unit Self-Sufficiency Test

    ByGustan Cho February 2, 2023December 18, 2023
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    Apply Now In this article, we will cover FHA multi-family-unit self-sufficiency test. Are you looking to be a homeowner and build a long-term investment strategy…

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  • Escrow Holdback
    Appraisal | Conditional Loan Approval | Home Mortgage | Videos

    Escrow Holdback By Mortgage Lenders For Repairs

    ByAlex Carlcucci February 1, 2023January 13, 2026
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    In this article, we will cover escrow holdback by mortgage lenders for repairs. We will discuss what an escrow holdback is on a home purchase….

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  • Fixing Your Credit To Qualify For Home Loan And Get Pre-Approved
    Bad Credit Mortgage Loans | FHA Loans | Re-Establishing Credit | Videos

    Fixing Your Credit To Qualify For Home Loan Pre-Approval

    ByGustan Cho January 30, 2023January 17, 2024
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    Get a Fast Quote: Click Here In this article, we will cover fixing your credit to qualify for home loan to get pre-approved. Credit and…

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  • Understanding Credit When Shopping For Mortgage
    Home Mortgage | Re-Establishing Credit | Videos

    Understanding Credit When Shopping For a Mortgage

    ByAnngelli Abenes January 30, 2023December 18, 2023
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    Get a Fast Quote: Click Here This article will cover understanding credit when shopping for a mortgage. Credit and Income are the two most important…

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  • How To Get Pre-Approved
    Mortgage Process | Home Mortgage | Videos

    How To Get Pre-Approved For a Mortgage and Close on Time

    ByGustan Cho January 27, 2023January 13, 2026
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    Apply Now This blog will cover how to get pre-approved for a mortgage and close on time. For homebuyers, whether first-time home buyers or seasoned…

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  • Home Mortgage After Bankruptcy
    Mortgage After Bankruptcy

    Home Mortgage After Bankruptcy Guidelines

    ByAlex Carlcucci January 26, 2023July 17, 2025
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    This article will cover home mortgage after bankruptcy guidelines. We will give viewers advice and tips on qualifying for a home mortgage after bankruptcy. Homebuyers…

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  • Non-QM Loans For Self-Employed Borrowers
    Non-QM Loans | Asset-Depletion Mortgages | Bank Statement Mortgages | Videos

    Non-QM Loans For Self-Employed Borrower Guidelines

    ByGustan Cho January 26, 2023January 13, 2026
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      This Article Is About Non-QM loans for Self-Employed Mortgage Borrower Guidelines. Non-QM loans for self-employed mortgage loans are now available. Self-employed borrowers had a…

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  • Letter of Explanations
    Letter Of Explanation | Videos

    Why Mortgage Underwriters Ask For Letter of Explanations?

    ByGustan Cho January 26, 2023December 18, 2023
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    In this blog, we will cover why mortgage underwriters ask for letter of explanations. Letter of explanations is part of the mortgage process. Anyone who…

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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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