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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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    • Conventional LoansExpand
      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
  • Buying Second Home Mortgage Lending Guidelines
    Home Purchase

    Buying Second Home Mortgage Lending Guidelines

    ByDale Elenteny October 1, 2025January 13, 2026
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    Buying second home is a dream for many families. Whether it’s a vacation getaway, a retirement retreat, or a property closer to work. Others purchase…

    Read More Buying Second Home Mortgage Lending GuidelinesContinue

  • Property Flipping
    Videos | Fix and Flip Properties | Investment Home Loans

    How to Qualify for a Property Flipping Mortgage in Today’s Market

    ByAnngelli Abenes September 29, 2025October 1, 2025
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    This blog will discuss how to get a mortgage for property flipping. Property flipping is when you buy a house for a certain price and…

    Read More How to Qualify for a Property Flipping Mortgage in Today’s MarketContinue

  • The Ultimate Guide for VA One-Time Close Construction Loan
    VA Loans

    The Ultimate Guide for VA One-Time Close Construction Loan

    ByMargarett Jurilla September 27, 2025February 6, 2026
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    Every veteran or active military member dreams of building a custom designed home that suits their lifestyle. But financing new construction is often complex, with…

    Read More The Ultimate Guide for VA One-Time Close Construction LoanContinue

  • How To Get a Mortgage Buying Your First Home
    Home Purchase | First-Time Homebuyers | Home Mortgage

    How To Get a Mortgage Buying Your First Home

    ByGustan Cho September 24, 2025October 1, 2025
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    Buying your first home is exciting, but it can also feel overwhelming. The biggest step is understanding how to get a mortgage buying your first…

    Read More How To Get a Mortgage Buying Your First HomeContinue

  • Verifications Required By Lenders During The Mortgage Process
    Home Mortgage | Home Purchase | Home Seller | mortgage | Mortgage Lender Overlays | Mortgage Process

    Verifications Required By Lenders During The Mortgage Process

    ByGustan Cho September 24, 2025October 20, 2025
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    When you apply for a mortgage, the lender takes on significant financial risk by lending you money for a home purchase or refinance. To reduce…

    Read More Verifications Required By Lenders During The Mortgage ProcessContinue

  • Qualifying For Home Loan After Bankruptcy
    Mortgage After Bankruptcy | Mortgage After Foreclosure | Mortgage Lender Overlays | Mortgage Process

    Qualifying For Home Loan After Bankruptcy And Housing Event

    ByGustan Cho September 24, 2025October 1, 2025
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    Life happens. Job loss, medical bills, divorce, or market downturns can lead to financial hardship. Many borrowers end up with bankruptcy, foreclosure, deed in lieu,…

    Read More Qualifying For Home Loan After Bankruptcy And Housing EventContinue

  • HUD Property Guidelines And Requirements On FHA Home Loans
    Home Mortgage | Home Purchase | Real Estate Appraisal | Real Estate Topic

    HUD Property Guidelines And Requirements On FHA Home Loans

    ByDale Elenteny September 22, 2025September 23, 2025
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    Buying a home is one of the biggest decisions most families will ever make. For millions of Americans, an FHA loan is the best way…

    Read More HUD Property Guidelines And Requirements On FHA Home LoansContinue

  • Mortgage Loan Options in Nebraska
    Home Mortgage | Home Purchase | Videos

    Mortgage Loan Options in Nebraska For Homebuyers

    ByGustan Cho September 22, 2025February 6, 2026
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    Buying a home in Nebraska means choosing from a wide range of mortgage loan options. From the bustling city life of Omaha to the quiet…

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  • Refinancing With Bad Credit and Low Credit Scores
    Mortgage Refinance

    Refinancing With Bad Credit and Low Credit Scores

    ByMichael Gracz September 18, 2025November 18, 2025
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    Many homeowners assume that refinancing with bad credit or a low credit score is out of reach. Refinancing with credit challenges is possible. You just…

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  • FConventional Loan Limits: FHFA Increases Baseline and High-Cost Caps
    Conventional loans

    Conventional Loan Limits: FHFA Increases Baseline and High-Cost Caps

    ByDale Elenteny September 15, 2025February 10, 2026
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    The FHFA or Federal Housing Finance Agency has officially announced the new conventional loan limits for 2025. Each year, the FHFA adjusts these limits based…

    Read More Conventional Loan Limits: FHFA Increases Baseline and High-Cost CapsContinue

  • Income Mortgage Guidelines: Using Other Income to Qualify for a Mortgage
    Income and Employment

    Income Mortgage Guidelines: Using Other Income to Qualify for a Mortgage

    ByGustan Cho September 15, 2025February 6, 2026
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    Getting an approval for a mortgage isn’t just about your base salary. Many borrowers rely on other income to qualify for mortgage like part-time jobs,…

    Read More Income Mortgage Guidelines: Using Other Income to Qualify for a MortgageContinue

  • Factors Affecting Mortgage Rates
    Mortgage Rates

    Factors Affecting Mortgage Rates

    ByGustan Cho August 25, 2025August 26, 2025
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    When you buy or refinance a home, one of the biggest questions is: “What will my mortgage rate be?” Even a small change in your…

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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

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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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