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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
  • The Buyers Market Versus The Sellers Market
    Home Purchase | Mortgage Rates

    The Buyers Market Versus The Sellers Market in Real Estate

    ByMichael Gracz July 1, 2025July 2, 2025
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    Whether you’re buying or selling a home, one crucial part can make or break your success: the buyers market versus sellers market in real estate….

    Read More The Buyers Market Versus The Sellers Market in Real EstateContinue

  • Buying a Fixer-Upper Home
    FHA 203k Loans

    Buying a Fixer-Upper Home: Everything You Need To Know About

    ByGustan Cho July 1, 2025January 13, 2026
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    Are you dreaming of turning a run-down house into your perfect home or scoring a deal in a tough real estate market? Buying a fixer-upper…

    Read More Buying a Fixer-Upper Home: Everything You Need To Know AboutContinue

  • Housing Market Crash
    FHA Loans | Real Estate Appraisal | Real Estate Topic

    Housing Market Crash

    ByAlex Carlcucci July 1, 2025January 14, 2026
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    The idea of a housing market crash is making headlines again and it has buyers, sellers, and homeowners on edge. With high home prices, rising…

    Read More Housing Market CrashContinue

  • 90 LTV Jumbo Loans
    Jumbo Loans | Non-QM Loans

    90 LTV Jumbo Loans With No Mortgage Insurance

    ByMichael Gracz June 30, 2025January 13, 2026
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    Buying a high-value home used to mean making a 20% down payment or paying hefty mortgage insurance costs. But today, many lenders offer 90 LTV…

    Read More 90 LTV Jumbo Loans With No Mortgage InsuranceContinue

  • Refinancing 15-Year vs 30-Year fixed-rate Mortgage
    Mortgage Refinance

    Refinancing 15-Year vs 30-Year Fixed-Rate Mortgage

    ByGustan Cho June 30, 2025July 1, 2025
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    Refinancing your mortgage is a smart strategy to lower your monthly payments, secure a better interest rate, or shorten the time it takes to pay…

    Read More Refinancing 15-Year vs 30-Year Fixed-Rate MortgageContinue

  • Non-QM Jumbo Mortgages
    Jumbo Loans | Non-QM Loans

    Non-QM Jumbo Mortgages For Non-Prime Borrowers

    ByAnngelli Abenes June 30, 2025July 1, 2025
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    If you’ve been turned down by traditional lenders due to credit issues, high debt-to-income ratios, or self-employment income, but you still need financing for a…

    Read More Non-QM Jumbo Mortgages For Non-Prime BorrowersContinue

  • Bank Statement Mortgages For Self-Employed Borrowers
    Home Mortgage | Home Purchase | Home Seller

    Top Mistakes to Avoid When Selling Your Home

    BySapna Sharma June 30, 2025February 6, 2026
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    Selling your home is a serious financial decision. Whether you’re moving up, moving to a smaller home, or relocating, staying away from common mistakes is…

    Read More Top Mistakes to Avoid When Selling Your HomeContinue

  • What is hard money in Florida
    Mortgage Refinance

    Guide to Cash-Out Refinancing

    ByAlex Carlcucci June 27, 2025February 5, 2026
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    Are you looking to turn your home equity into cash? Whether you’re paying off debt, funding home improvements, or covering big expenses, this guide to…

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  • What are Non-QM And Alternative Lending Guidelines On Student Loans
    Student Loans

    Mortgage With Deferred Student Loans Guidelines

    ByGustan Cho June 27, 2025June 30, 2025
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    Suppose you plan to buy a home, but your student loans are deferred. In that case, you’re probably wondering: Can I qualify for a mortgage…

    Read More Mortgage With Deferred Student Loans GuidelinesContinue

  • Net Tangible Benefits of Refinance With Lower Mortgage Rates
    Home Mortgage | Mortgage Rates | Mortgage Refinance

    Net Tangible Benefits of Refinance With Lower Mortgage Rates

    ByAlex Carlcucci June 27, 2025February 6, 2026
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    Are you thinking about refinancing your home loan? With mortgage rates dropping in 2025, many homeowners are asking whether it’s worth the hassle. The answer…

    Read More Net Tangible Benefits of Refinance With Lower Mortgage RatesContinue

  • Mortgage Guidelines After Foreclosure
    Mortgage After Foreclosure | Mortgage After Short Sale | Mortgage Process | Mortgage Rates | Mortgage Refinance

    Mortgage Guidelines After Foreclosure To Qualify For Home Purchase

    ByGustan Cho June 27, 2025June 30, 2025
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    If you’ve been through a foreclosure, you might feel like homeownership is out of reach. But the truth is, many people bounce back and become…

    Read More Mortgage Guidelines After Foreclosure To Qualify For Home PurchaseContinue

  • FHA Student Loan Guidelines
    Student Loans

    FHA Student Loan Guidelines on FHA Loans

    ByAnngelli Abenes June 25, 2025June 26, 2025
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    If you’re applying for a mortgage and have student loan debt, you’re not alone. Many homebuyers in 2025 are carrying student loans, and it can…

    Read More FHA Student Loan Guidelines on FHA LoansContinue

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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
  • Videos
  • Testimonials
  • Blog
  • Talk To Loan Officer
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