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  • Types of MortgagesExpand
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      • 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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      • VA Manual Underwriting Guidelines For VA Loans
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    • Conventional LoansExpand
      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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      • 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 Condominium Loans
    Condominium Loans | FHA Loans

    FHA Approved Condo: How to Get a Condo FHA Loan in 2025

    ByGustan Cho August 7, 2025August 8, 2025
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    If you see yourself with a condo but think your credit history or down payment could be an issue, FHA approved condos might be the answer. One of the most popular home finance options for homeowners in 2025 is an FHA loan, which isn’t reserved just for…

    Read More FHA Approved Condo: How to Get a Condo FHA Loan in 2025Continue

  • How to Improve Credit During the Mortgage Process
    Mortgage Process

    How to Improve Credit During the Mortgage Process

    ByAlex Carlcucci August 4, 2025August 5, 2025
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    Buying a home is exciting, but if your credit score drops during the mortgage process, it can derail your approval or cost you thousands in…

    Read More How to Improve Credit During the Mortgage ProcessContinue

  • Buying a Home With Bad Credit: What You Need to Know in 2025
    Bad Credit Mortgage Loans | FHA Loans | Home Purchase

    Buying a Home With Bad Credit: What You Need to Know in 2025

    ByGustan Cho July 24, 2025October 2, 2025
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    Do you think you can’t buy a home because of bad credit? Think again. At Gustan Cho Associates, we help borrowers with less-than-perfect credit get…

    Read More Buying a Home With Bad Credit: What You Need to Know in 2025Continue

  • 15-Year vs 30-Year Mortgage: Which Is Better for You?
    Home Purchase | Mortgage Rates

    15-Year vs 30-Year Mortgage: Which Is Better for You?

    ByGustan Cho July 24, 2025July 24, 2025
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    Choosing between 15-year vs 30-year mortgage is one of the most important decisions when buying or refinancing a home. Both loan programs have pros and…

    Read More 15-Year vs 30-Year Mortgage: Which Is Better for You?Continue

  • Top Reasons to Refinance Your Mortgage in 2025
    Mortgage Refinance | Videos

    Top Reasons to Refinance Your Mortgage

    ByAnngelli Abenes July 24, 2025August 19, 2025
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    If you’re wondering whether now is the right time to refinance your home loan, you’re not alone. Many homeowners are asking the same question. Refinancing…

    Read More Top Reasons to Refinance Your MortgageContinue

  • How Judgments Affects Mortgage Process
    Judgment

    Can You Get a Mortgage With Judgment on Credit Report?

    ByGustan Cho July 16, 2025February 6, 2026
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    If you’re thinking about buying a home but have a judgment on your credit report, you’re probably wondering: Can I still get a mortgage with…

    Read More Can You Get a Mortgage With Judgment on Credit Report?Continue

  • Cash-Out Refinance During Chapter 13 Bankruptcy
    Mortgage After Bankruptcy | Chapter 13 Cash-Out Refinance | FHA Loans After Chapter 13 | FHA Loans While in Chapter 13 | Refinance | VA Loans After Chapter 13 Bankruptcy | VA Loans While In Chapter 13 Bankruptcy

    Can I Do a Cash-Out Refinance During Chapter 13 Bankruptcy?

    ByGustan Cho July 16, 2025October 23, 2025
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    Are you currently in Chapter 13 bankruptcy and wondering if you can tap into your home’s equity through a cash-out refinance? The good news is…

    Read More Can I Do a Cash-Out Refinance During Chapter 13 Bankruptcy?Continue

  • Financing Contingency On Real Estate Purchase Contracts
    Real Estate Topic

    Financing Contingency On Real Estate Purchase Contracts

    ByGustan Cho July 16, 2025January 13, 2026
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    When you are buying or selling a home, one of the most important part of the contract is the financing contingency. This key clause can…

    Read More Financing Contingency On Real Estate Purchase ContractsContinue

  • Mortgage After Chapter 13 Bankruptcy
    Mortgage After Bankruptcy

    Mortgage After Chapter 13 Bankruptcy

    ByGustan Cho July 16, 2025July 17, 2025
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    If you are wondering whether you can still get mortgage after Chapter 13 Bankruptcy, the answer is: yes, you can and possibly sooner than you…

    Read More Mortgage After Chapter 13 BankruptcyContinue

  • FHA Loans After Chapter 13 Bankruptcy
    Mortgage After Bankruptcy

    FHA Loans After Chapter 13 Bankruptcy Guidelines

    ByGustan Cho July 16, 2025July 17, 2025
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    If you’re recovering from Chapter 13 bankruptcy and wondering whether you can get approved for a home loan, you’re not alone. Many borrowers believe bankruptcy…

    Read More FHA Loans After Chapter 13 Bankruptcy GuidelinesContinue

  • Understanding VA Home Mortgages is important because most lenders have lender overlays
    Videos | VA Loans

    Understanding VA Home Mortgages For Veteran Homebuyers

    BySapna Sharma July 8, 2025July 9, 2025
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    VA home mortgages are one of the most powerful benefits available to U.S. military veterans, active-duty service members, and qualifying surviving spouses. If you’ve served…

    Read More Understanding VA Home Mortgages For Veteran HomebuyersContinue

  • Mortgage Rate Forecast for 2025
    Mortgage Rates

    Low Mortgage Rates Forecast For Homebuyers & Homeowners

    ByAlex Carlcucci July 8, 2025July 16, 2025
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    Over the past few years, mortgage rates have changed dramatically, causing many buyers and homeowners to question what lies ahead. As 2025 continues, many people…

    Read More Low Mortgage Rates Forecast For Homebuyers & HomeownersContinue

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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

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  • 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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