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GCA Mortgage
TRID Mortgage Regulations
Bank Statement Mortgages | Home Mortgage

Self-Employed No Tax Return Mortgage Loans

ByGustan Cho July 5, 2024July 30, 2024
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In this article, we will discuss and cover self-employed no tax return mortgage loans. Self-employed no tax return mortgage loans have been non-existent between the…

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VA DTI Mortgage Guidelines
High Debt-To-Income Ratio | VA Loans

VA DTI Mortgage Guidelines on VA Home Loans

ByMichael Gracz July 5, 2024July 5, 2024
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Apply Now In this blog, we will discuss and cover VA DTI mortgage Guidelines. VA DTI mortgage guidelines state there is no maximum debt-to-income ratio…

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Mortgage guidelines
Mortgage Process | Home Mortgage | Lender Overlays | Videos

Mortgage Guidelines on Government and Conventional Loans

ByGustan Cho July 5, 2024February 17, 2025
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Apply Now In this blog, we will be covering mortgage guidelines on government and conventional loans. Mortgage guidelines on the individual mortgage loan program are…

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Identity Theft During FHA Loan Process Will Delay Home Closing
Manual Underwriting

Identity Theft During FHA Loan Process Will Delay Home Closing

BySapna Sharma July 3, 2024July 4, 2024
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This Article Is About Identity Theft During FHA Loan Process Will Delay Home Closing Homebuyers can still qualify for a mortgage loan if they are…

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Getting a Mortgage After a Divorce
Home Purchase | Refinance

Getting a Mortgage After a Divorce

ByGustan Cho July 3, 2024July 4, 2024
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In this article, we will cover getting a mortgage after a divorce. Divorces can become not just stressful but extremely ugly, bitter, and sometimes vengeful….

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Starting Career as Mortgage Loan Officers
Career Opportunities-Loan Officer Training

Starting Career As Mortgage Loan Officers

ByGustan Cho July 2, 2024October 4, 2024
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In this article, we will discuss and cover starting career as mortgage loan officers at Gustan Cho Associates Gustan Cho Associates, powered by Nexa Mortgage…

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FHA Student Loan Guidelines
Student Loans

FHA Student Loan Guidelines on FHA Loans

ByAnngelli Abenes July 2, 2024July 4, 2024
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In this blog, we will cover and discuss the FHA student loan guidelines to qualify for FHA loans. Per FHA Student Loan Guidelines for FHA…

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Steps To Buying a House
Home Purchase | First-Time Homebuyers

Steps To Buying a House For First-Time Homebuyers

ByMargarett Jurilla July 1, 2024March 6, 2025
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Buying your first home is an exciting achievement but can also feel overwhelming. Understanding the process and preparing can make your homebuying journey smooth and…

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Debt-Service Coverage Ratio Mortgage Loans
DSCR Mortgage Loans

Debt-Service Coverage Ratio Mortgage Loans

ByMichael Gracz July 1, 2024July 3, 2024
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This blog will cover and discuss debt-service coverage ratio mortgage loans for real estate investors. We will take a step further and cover one of…

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Pricing Mortgage Rates
Mortgage Rates

Pricing Mortgage Rates By Lenders on Home Loans

ByGustan Cho July 1, 2024March 5, 2025
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In this article, we will cover and discuss pricing mortgage rates by lenders on home loans. Most FAQs by borrowers on pricing mortgage rates by…

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500 to 620 FICO Home Mortgage Loans
Bad Credit Mortgage Loans

500 to 620 FICO Home Mortgage Loans | Loan Options For 2023

ByGustan Cho July 1, 2024July 4, 2024
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One of the most FAQs we get daily at Gustan Cho Associates is can homebuyers get 500 to 620 FICO home mortgage loans with bad…

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Lender Overlays
Bad Credit Mortgage Loans | Lender Overlays

What Are Lender Overlays By Mortgage Companies

ByDale Elenteny July 1, 2024July 4, 2024
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In this blog, we will cover and discuss choosing a lender with no lender overlays when denied for a mortgage. Not all mortgage lenders are…

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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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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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