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  • Types of MortgagesExpand
    • PurchaseExpand
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      • Refinance Mortgage Options
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      • Chapter 13 Cash-Out Refinance
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    • Condominium LoansExpand
      • Warrantable Condos
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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
      • FHA Loan With Judgment
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      • FHA Loans with Charged-Offs Account
      • FHA Collections
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      • VA Manual Underwriting Guidelines For VA Loans
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      • VA Loan Requirements
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    • 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
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GCA Mortgage
  • FHA Back To Work Extenuating Circumstances Mortgage
    Bad Credit Mortgage Loans

    FHA Back to Work Extenuating Circumstances Mortgage

    ByAlex Carlcucci December 21, 2022February 6, 2026
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    Apply Now This ARTICLE On FHA Back to Work Extenuating Circumstances Mortgage Was PUBLISHED On April 1st, 2014 HUD has launched the FHA Back to…

    Read More FHA Back to Work Extenuating Circumstances MortgageContinue

  • Home Buyers Bad Credit
    Bad Credit Mortgage Loans

    Mortgage Loan Options For Home Buyers Bad Credit

    ByGustan Cho December 18, 2022December 18, 2023
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    Get a Fast Quote: Click Here In this blog, we will cover the mortgage loan options for home buyers bad credit. Many First Time Home…

    Read More Mortgage Loan Options For Home Buyers Bad CreditContinue

  • Freddie Mac HomeOne Mortgage Guidelines
    Conventional loans

    Freddie Mac HomeOne Mortgage Guidelines With Low Down Payment

    ByGustan Cho December 2, 2022February 6, 2026
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    Apply Now This Article Is About Freddie Mac HomeOne Mortgage Guidelines With Low Down Payment Freddie Mac HomeOne Mortgage Guidelines allow home buyers to qualify…

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  • How Can I Improve My Credit Scores To Qualify For Mortgage
    Re-Establishing Credit

    How Can I Improve My Credit Scores To Qualify For Mortgage

    ByGustan Cho November 30, 2022February 6, 2026
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    This Article Is About Advice On How Can I Improve My Credit Scores To Qualify For Mortgage Many consumers ask how can I improve my…

    Read More How Can I Improve My Credit Scores To Qualify For MortgageContinue

  • Qualifying For FHA Loans With Non Occupied CoBorrowers
    Non-Occupant Co-Borrowers

    Non-Occupied Co-Borrowers Mortgage Guidelines On FHA Loans

    ByGustan Cho November 30, 2022February 6, 2026
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    Apply Now This BLOG On Non-Occupied Co-Borrowers Mortgage Guidelines On FHA Loans There is more to qualify for FHA Loans with just have a good-paying…

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  • Private Mortgage Insurance Guidelines On Conventional Loans
    Videos | Mortgage Insurance

    Private Mortgage Insurance Guidelines On Conventional Loans

    ByMichael Gracz November 30, 2022February 6, 2026
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    What Are Private Mortgage Insurance Guidelines On Conventional Loans And How Does It Work: Gustan Cho Associates offer a wide range of mortgage products, We have…

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  • Home Buyer Tips On Qualifying For Mortgage Loan
    First-Time Homebuyers

    Home Buyer Tips On Qualifying For Mortgage Loan

    ByAlex Carlcucci November 29, 2022December 18, 2023
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    Apply Now In this article, we will discuss and cover home buyer tips on qualifying for a mortgage loan. Whether you are living with family…

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  • FHA Home Loan Guidelines on Purchase And Refinance
    FHA Loans

    FHA Home Loan Guidelines on Purchase and Refinance

    BySapna Sharma November 24, 2022January 13, 2026
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    Apply Now This blog will cover FHA home loan guidelines on purchase and refinance transactions. We will discuss whether you qualify for FHA loan and…

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  • Using Freddie Mac Versus Fannie Mae AUS
    Automated Underwriting System | Home Mortgage

    Using Freddie Mac Versus Fannie Mae AUS For Home Loans

    ByGustan Cho November 21, 2022November 20, 2024
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    In this blog, we will cover using Freddie Mac versus Fannie Mae AUS for home loans. Using Freddie Mac instead of Fannie Mae AUS is…

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  • Hiring Realtor
    Real Estate Topic

    Benefits of Hiring Realtor When Buying or Selling a Home

    ByAnngelli Abenes November 16, 2022January 15, 2026
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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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  • 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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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

  • Email: alex@gustancho.com, gcho@gustancho.com
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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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