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GCA Mortgage
FHA Guidelines Versus Lender Overlays
Mortgage Lender Overlays | Videos

FHA Guidelines Versus Lender Overlays on FHA Loans

ByGustan Cho August 1, 2024August 2, 2024
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Apply Now In this blog, we will cover the difference between FHA guidelines versus lender overlays on FHA loans. All mortgage lenders need to follow…

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Mortgage With a High Debt-To-Income Ratio
High Debt-To-Income Ratio

Can I Get a Mortgage With a High Debt-To-Income Ratio

ByRonda Butts July 29, 2024July 30, 2024
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Get a Fast Quote: Click Here In this article, we will cover and discuss qualifying for a mortgage with a high debt-to-income ratio. Calculating the…

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FHA Credit Requirements
FHA Loans | Bad Credit Mortgage Loans | Videos

FHA Credit Requirements Per HUD Guidelines For AUS Approval

ByGustan Cho July 29, 2024November 8, 2024
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  In this blog, we will discuss and cover the minimum FHA credit requirements per HUD guidelines to get approve/eligible per the automated underwriting system…

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Manual Underwriting Guidelines With Late Payments
Manual Underwriting | Videos

Manual Underwriting Guidelines With Late Payments

ByAnngelli Abenes July 28, 2024July 29, 2024
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Apply Now This Article Is About Manual Underwriting Guidelines With Late Payments: FHA and VA loans are the only two mortgage loan programs that allow…

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Mortgage and Real Estate Market Updates
Real Estate Topic

Mortgage and Real Estate Market Updates For 2024

ByAlex Carlcucci July 26, 2024July 29, 2024
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This guide covers mortgage and real estate market updates for 2024. In 2023, the market faces some headwinds due to high-interest rates, low inventory, high…

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Mortgage Brokers Versus Lenders
Bad Credit Mortgage Loans | Bank Statement Mortgages | DSCR Mortgage Loans | Lender Overlays | Videos

Difference Between Mortgage Brokers Versus Lenders

ByAlex Carlcucci July 26, 2024July 28, 2024
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This article will cover the difference between mortgage brokers and lenders. Should I use mortgage brokers versus lenders to get the best rates and terms…

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Denied For Mortgage After Conditional Approval
Conditional Loan Approval | Non-QM Loans | Videos

Getting Denied For a Mortgage After Conditional Approval

ByGustan Cho July 22, 2024July 22, 2024
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In this blog, we will discuss getting denied for a mortgage after conditional approval. Can borrowers get denied for a mortgage after conditional approval? There…

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Getting a Mortgage After Bankruptcy and Foreclosure
Mortgage After Bankruptcy | Mortgage After Foreclosure

Can I Get a Mortgage After Bankruptcy and Foreclosure

ByGustan Cho July 22, 2024July 22, 2024
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This article covers buying a house and qualifying for a mortgage after bankruptcy and foreclosure. The mortgage industry underwent a major overhaul after the 2008…

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Home Loan With Late Payments After Bankruptcy
Bad Credit Mortgage Loans | Mortgage After Bankruptcy | Mortgage After Foreclosure | Videos

Home Loan With Late Payments After Bankruptcy

ByAnngelli Abenes July 18, 2024October 4, 2024
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This article will discuss the steps of getting approved for a home loan with late payments after bankruptcy. Qualifying for a Home Loan With Late…

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Home Loan After Loan Modification
Home Mortgage | Loan Modification | Videos

Home Loan After Loan Modification Mortgage Guidelines

ByGustan Cho July 15, 2024July 16, 2024
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Apply Now   This blog will cover qualifying for a home loan after loan modification mortgage guidelines. A loan modification is when the current lender…

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Home Loan With Overtime Income and Other Income
Income and Employment | High Debt-To-Income Ratio | Videos

Home Loan With Overtime Income and Other Income

ByGustan Cho July 15, 2024July 16, 2024
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This article will cover qualifying for a home loan with overtime income and other income. Homebuyers can qualify for a home loan with overtime income…

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Homebuyer Down Payment Assistance
Home Mortgage

Homebuyer Down Payment Assistance And Grant Programs

ByAlex Carlcucci July 14, 2024July 15, 2024
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In this blog, we need to cover and discuss homebuyer down payment assistance and grant programs for first-time homebuyers. Homebuyer Down Payment Assistance And Grant…

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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

  • 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
  • VA Streamline Refinance
    Condo Hotel Mortgage Rates And Terms
    by Gustan Cho
    May 14, 2025

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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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