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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
  • VA Loan With High DTI
    High Debt-To-Income Ratio | VA Loans | Videos

    VA Loan With High DTI Mortgage Guidelines

    ByGustan Cho January 26, 2023January 13, 2026
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    This blog will discuss VA loan with high DTI mortgage guidelines for 2023. You can qualify for a VA loan with bad credit with a…

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  • Mortgage Approval With Late Payments In Past 12 Months
    Home Mortgage | Videos

    Mortgage Approval With Late Payments In The Past 12 Months

    ByGustan Cho January 24, 2023January 13, 2026
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    This blog will cover and discuss getting mortgage approval with late payments in the past 12 months. Getting A Mortgage Approval With Late Payments in…

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  • Lender Overlays Explained
    Home Mortgage | Lender Overlays | Videos

    Mortgage Overlays Explained on Government and Conventional Loans

    ByGustan Cho January 24, 2023January 13, 2026
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    Apply Now This article will cover mortgage overlays on FHA, VA, and conventional loans. The two most common home mortgage programs are government and conventional…

    Read More Mortgage Overlays Explained on Government and Conventional LoansContinue

  • FHA Loans With Charge-Offs
    Collections and Charged-Off Accounts | FHA Loans | Videos

    FHA Loans With Charge-Offs Mortgage Guidelines

    ByAnngelli Abenes January 23, 2023February 5, 2026
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    This blog will cover HUD charge-off account guidelines on FHA loans. I get this question asked several times a day: Why do I have to…

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  • High-Cost Mortgage
    First-Time Homebuyers | Home Mortgage | Home Purchase | VA Loans | Videos

    High-Cost Mortgage Explained For Borrowers and Homeowners

    ByAlex Carlcucci January 23, 2023February 10, 2026
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    In this guide, we will cover the high-cost mortgage for a homebuyer when it comes to getting a mortgage loan. High-Cost Mortgage is part of…

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  • How To Get a Mortgage When Relocating
    Career Opportunities-Loan Officer Training | Home Purchase

    How To Get a Mortgage When Relocating With a New Career

    ByGustan Cho January 22, 2023February 10, 2026
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    Apply Now This article will cover how to get a mortgage when relocating with a new career.  I will discuss moving from New York to…

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  • Buying Home From Family Members With Gift of Equity
    Home Purchase | Gift Funds | Videos

    Gift of Equity Home Purchase By Family Members

    ByAnngelli Abenes January 20, 2023May 29, 2024
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    This guide covers the mortgage guidelines for buying home from family members. Gustan Cho Associates get many calls from home buyers about buying home from…

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  • Mortgage With High Debt-To-Income Ratio
    High Debt-To-Income Ratio | Videos

    Mortgage With High Debt-To-Income Ratio Lending Guidelines

    ByGustan Cho January 19, 2023December 18, 2023
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    Apply Now In this article, we will be covering qualifying for a mortgage with high debt-to-income ratio.  Debt-to-income ratios is probably the most important factor…

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  • USDA Mortgage Requirements
    USDA Loans | Videos

    USDA Mortgage Requirements and Guidelines

    ByAnngelli Abenes January 18, 2023January 13, 2026
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    Get a Fast Quote: Click Here In this article, we will cover the USDA mortgage requirements and guidelines on home purchases.  USDA loans are a…

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  • Fannie Mae Guidelines on Conventional Loans
    Conventional loans | Mortgage After Bankruptcy | Mortgage After Foreclosure | Mortgage After Short Sale | Non-QM Loans | Videos

    Fannie Mae Guidelines on Conventional Loans

    ByGustan Cho January 17, 2023June 28, 2024
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    This mortgage guide on Fannie Mae guidelines on conventional loans will cover the latest updates on Fannie Mae and Freddie Mac guidelines on changes in…

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  • Chapter 13 Trustee Mortgage Approval
    Mortgage After Bankruptcy | Chapter 13 Cash-Out Refinance | FHA Loans | Manual Underwriting | VA Loans After Chapter 13 Bankruptcy | VA Loans During and After Chapter 13 | VA Loans While In Chapter 13 Bankruptcy | Videos

    Chapter 13 Trustee Mortgage Approval on FHA or VA Loans

    ByMichael Gracz January 17, 2023February 12, 2024
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    Apply Now This Article Is About getting Chapter 13 Trustee Mortgage Approval on FHA or VA loans. You can buy a house during the repayment…

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  • Conventional Versus FHA Mortgage
    Conventional loans | FHA Loans | Videos

    Difference Between Conventional Versus FHA Loan Guidelines

    ByGustan Cho January 17, 2023February 17, 2025
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    In this article, we will cover the difference between Conventional versus FHA loan guidelines. We will discuss the differences between Conventional versus FHA loan for…

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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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