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GCA Mortgage
  • New Hire
    Career Opportunities-Loan Officer Training

    Job Summary For New-Hire at Gustan Cho Associates

    ByGustan Cho October 27, 2022February 10, 2026
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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,…

    Read More Job Summary For New-Hire at Gustan Cho AssociatesContinue

  • 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…

    Read More Fannie Mae Making Rent Count Towards Mortgage ApprovalContinue

  • FHA One-Time Close Construction Loans
    FHA 203k Loans | Renovation Mortgage Loans

    FHA One-Time Close Construction Loans In Nevada

    ByGustan Cho October 18, 2022February 10, 2026
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    In this article, we will cover and discuss the FHA one-time construction loans and other renovation mortgage loans in Las Vegas and throughout the state…

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  • Mortgage Rates | Career Opportunities-Loan Officer Training

    Difference Between Mortgage Brokers Versus Mortgage Bankers

    ByGustan Cho October 7, 2022November 4, 2024
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    In this blog, we will cover the difference between mortgage brokers versus mortgage bankers. We will cover the benefits, pros and cons, and the best…

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  • FHA Loans With Recent Late Payments
    Bad Credit Mortgage Loans | FHA Loans

    FHA Loans With Recent Late Payments Mortgage Guidelines

    ByGustan Cho September 13, 2022November 8, 2024
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    In this guide on FHA loans with recent late payments, we will cover what you need to do to get approved for an FHA loan…

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  • How To Study and PASS The NMLS EXAM
    Career Opportunities-Loan Officer Training

    How To Study and PASS The NMLS EXAM on Your First Attempt

    ByGustan Cho September 10, 2022January 24, 2024
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    In this article, we will cover and discuss how to study and pass the NMLS exam on your first attempt. I have read all guides…

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  • Manufactured Homes
    Home Purchase

    Home Buying Tips Every Millennial Should Know

    ByGustan Cho April 7, 2022November 4, 2024
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    Here are a few home buying tips which can help you buy a house. Many millennials have been led to believe that buying a home…

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  • Mortgage Loan Closing
    Clear To Close

    Mortgage Loan Closing Process From Application To CTC

    ByGustan Cho October 7, 2021February 6, 2026
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    This guide covers the mortgage loan closing process from application to clear to close. A normal mortgage loan closing normally takes 30 days. However, we…

    Read More Mortgage Loan Closing Process From Application To CTCContinue

  • Condominium Financing
    Condominium Loans

    Condominium Financing Mortgage Lending Guidelines

    ByGustan Cho November 4, 2020February 6, 2026
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    Buying a condo is different from buying a house. The rules, paperwork, and even the way lenders review properties all change. This plain-English guide walks…

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  • Condotel Financing Guidelines
    Condominium Loans

    Condotel Financing Guidelines Require 25% Down Payment

    ByAlex Carlcucci October 7, 2020January 14, 2026
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    This article on Condotel Financing Guidelines Require 25% Down Payment Condotel Financing Guidelines Require 25% Down Payment for owner occupant and second home Condotel financing…

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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

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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
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