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GCA Mortgage
FHA Versus Conventional Mortgages
FHA Loans | Conventional loans | Videos

FHA Versus Conventional Mortgages on Purchase and Refinance

ByAnngelli Abenes November 19, 2022December 18, 2023
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Apply Now In this blog, we will cover the comparison of FHA versus conventional mortgages on purchase and refinance transactions. Prior to home buyers starting…

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Hiring Realtor
Real Estate Topic

Benefits of Hiring Realtor When Buying or Selling a Home

ByRonda Butts November 16, 2022April 17, 2024
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In this article, we will cover the benefits of hiring realtor when buying or selling a home. Many buyers and sellers are under the impression…

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What Are Compensating Factors For Manual Underwriting
Manual Underwriting

What Are Compensating Factors For Manual Underwriting

ByAlex Carlcucci November 14, 2022December 18, 2023
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Apply Now Many borrowers often ask the question what are compensating factors? Lenders are not required to originate and fund mortgage loans. Just because there…

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VA DTI and Credit Score Guidelines
VA Loans | Mortgage Lender Overlays

VA Credit Score Guidelines on Purchase and Refinance

ByAnngelli Abenes November 14, 2022December 18, 2023
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Apply Now In this article, we will cover and discuss VA credit score guidelines on home purchase and refinance VA home loans. Gustan Cho Associates…

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Owning Versus Renting a Home
Home Purchase | Verification of Rent

Benefits of Owning Versus Renting a Home

ByGustan Cho November 12, 2022December 18, 2023
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Apply Now In this blog, we will cover the benefits and reasons for owning versus renting a home. One of the misconceptions renters have is…

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2-1 Buydown Mortgage
Mortgage Rates

What Is a 2-1 Buydown Mortgage?

ByGustan Cho November 11, 2022November 8, 2024
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In this blog, we will be covering what is a 2-1 buydown mortgage. As the federal reserve continues to raise interest rates in an effort…

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High-Cost Mortgage
Conventional loans

Conforming Conventional Loan After Bankruptcy Requirements And Guidelines

ByGustan Cho November 7, 2022November 4, 2024
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This article covers conforming conventional (Fannie Mae and Freddie Mac) mortgages after bankruptcy.  In general, the waiting period to qualify for a conventional mortgage after…

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New Hire
Career Opportunities-Loan Officer Training

Job Summary For New-Hire at Gustan Cho Associates

ByGustan Cho October 27, 2022December 16, 2024
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Apply Now Gustan Cho Associates Empowered By NEXA Mortgage, LLC is the nation’s fastest-growing and largest mortgage broker. Founded in August 2017 by Michael Kortas,…

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Home Loans For Heroes
Home Loans For Heroes | Videos

Home Loans For Heroes Police and First Responders

ByMichael Gracz October 26, 2022April 16, 2024
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In this blog, we will cover and discuss home loans for heroes police, and first responders. Home Loans For Heroes Veterans and First Responders home…

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Buying a House With High Student Loan Debts
Student Loans | High Debt-To-Income Ratio

Buying a House With High Student Loan Debts

ByGustan Cho October 22, 2022February 28, 2024
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In this blog, we will discuss and cover qualifying for a mortgage with buying a house with high student loan debts. Buying a house with…

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Home Inspection Versus Real Estate Appraisal
Real Estate Appraisal

Home Inspection Versus Real Estate Appraisal

ByAnngelli Abenes October 21, 2022December 18, 2023
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Apply Now In this blog, we will cover and discuss what is the difference between home inspection versus real estate appraisal Inspection and an appraisal…

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Fannie Mae Making Rent Count Towards Mortgage
Automated Underwriting System | Manual Underwriting | Verification of Rent

Fannie Mae Making Rent Count Towards Mortgage Approval

ByGustan Cho October 19, 2022December 18, 2023
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Apply Now The news of Fannie Mae making rent count towards mortgage automated underwriting system approve/eligible findings is huge news. What this means is if…

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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.

Guidelines

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Recent Articles

  • Home Loans With Under 600 Credit Scores
    What Happens If Credit Scores Drop During Mortgage Process
    by Gustan Cho
    May 15, 2025
  • 2 To 4 Unit Mortgage Loans Mortgage Guidelines And Requirements
    2 To 4 Unit Mortgage Loans Mortgage Guidelines And Requirements
    by Gustan Cho
    May 15, 2025

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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: 3100 Ray Road Suite 201 Office 209 Chandler AZ 856226 Company NMLS 1660690 | Gustan Cho Associates Branch NMLS 2315275 | Gustan Cho Associates Regional Branch Address 17W662 Butterfield Road Suite 305 | Oakbrook Terrace, Illinois 60181 | NMLS Consumer Access | 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
    • Our Team at GCA
    • Find Loan Limits
  • Types of Mortgages
    • Purchase
      • Home Purchase 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
      • DSCR Loans
      • Asset-Depletion Mortgage Loans
      • Foreign National Mortgage Loans
      • ITIN Mortgage Loans
      • No-Doc Home Loans
    • Jumbo Mortgages
    • 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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