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  • Types of MortgagesExpand
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      • Refinance Mortgage Options
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      • FHA Streamline Refinance Mortgages
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      • Refinancing NON-QM Loans To Conventional Mortgages
      • Refinancing FHA Loans To Conventional Loans
    • Condominium LoansExpand
      • Warrantable Condos
      • Non-Warrantable Condos
      • Condotel Financing
    • 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
      • FHA Loans With Tax Lien
      • FHA W-2 Income Only FHA
      • FHA Loans with Charged-Offs Account
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      • VA Manual Underwriting Guidelines For VA Loans
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      • VA Loan Requirements
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      • VA Loan with Judgment
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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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      • FNMA Guidelines on Judgments For Conventional Loans
    • Non-QM LoansExpand
      • Bank Statement Mortgage Loans
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GCA Mortgage
  • BUYING A HOUSE WITH STUDENT LOANS
    Student Loans | Videos

    Buying A House With Student Loans Mortgage Guidelines

    ByGustan Cho June 25, 2025June 26, 2025
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    If you’re carrying student loan debt and want to buy a home, you’re not alone. In 2025, millions of Americans are wondering if their student…

    Read More Buying A House With Student Loans Mortgage GuidelinesContinue

  • FHA Loan Requirements
    FHA Loans

    FHA Loan Requirements

    ByGustan Cho June 16, 2025June 17, 2025
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    If you want to buy a home but are concerned about your credit score, income, or not having enough saved for a down payment, an…

    Read More FHA Loan RequirementsContinue

  • Buying Short Sale Home Versus Traditional Home Purchase
    Home Purchase | Videos

    Buying Short Sale Home Versus Traditional Home Purchase

    ByAlex Carlcucci June 16, 2025June 17, 2025
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      Are you searching and wondering if buying short sale home might be a better deal than a traditional home purchase? You’re not alone. Many…

    Read More Buying Short Sale Home Versus Traditional Home PurchaseContinue

  • Boosting Credit Scores With Instant Credit
    Re-Establishing Credit

    Boosting Credit Scores With Instant Credit For Mortgage

    ByGustan Cho June 16, 2025June 17, 2025
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    Are you dreaming of buying a home but worried your credit score isn’t good enough? You’re not alone and the good news is boosting credit…

    Read More Boosting Credit Scores With Instant Credit For MortgageContinue

  • Refinancing With Bad Credit and Low Credit Scores
    First-Time Homebuyers

    First-Time Home Buyers FAQ on Qualifying For Mortgage

    ByGustan Cho June 11, 2025January 15, 2026
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    Buying your first home is exciting but if you’re unsure how to qualify for a mortgage, you’re not alone. Many first-time home buyers have questions…

    Read More First-Time Home Buyers FAQ on Qualifying For MortgageContinue

  • Best Time To Buy a Home For First-Time Homebuyers
    FHA Loans | First-Time Homebuyers | Home Mortgage | Home Purchase

    Best Time To Buy a Home For First-Time Homebuyers

    ByGustan Cho June 11, 2025June 12, 2025
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    Buying your first home is a big deal. But if you’re wondering when the right time is to buy, you’re not alone. Many ask, “What’s…

    Read More Best Time To Buy a Home For First-Time HomebuyersContinue

  • Case Scenario fix the credit
    Home Purchase | Credit Scores | Home Mortgage

    Monitoring Credit Report To Qualify For A Mortgage

    ByGustan Cho June 5, 2025June 6, 2025
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    When you’re preparing to buy a home, monitoring credit report to qualify for a mortgage is one of the most important things you can do….

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  • Hard Money Loans For Bad Credit
    Hard Money Loans | Videos

    Hard Money Loans For Bad Credit

    ByAnngelli Abenes June 4, 2025January 15, 2026
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    If you’ve been denied by traditional banks because of bad credit, don’t give up. There’s another path to funding your real estate deal hard money…

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  • Home Purchase With Prior Bankruptcy or Foreclosure
    Mortgage After Bankruptcy | Mortgage After Foreclosure

    Home Purchase with Prior Bankruptcy or Foreclosure

    ByGustan Cho June 4, 2025June 6, 2025
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    Have you gone through bankruptcy or foreclosure in the past? Home purchase with prior bankruptcy or foreclosure is possible. Many people who’ve experienced financial setbacks…

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  • How Long Does Bad Credit Report On Credit Reports
    Credit Disputes | Re-Establishing Credit

    How To Improve Your Credit To Get Approved For a Mortgage

    ByGustan Cho June 4, 2025June 6, 2025
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    Are you dreaming of owning a home but worried your credit score might hold you back? You’re not alone. Many people believe they can’t qualify…

    Read More How To Improve Your Credit To Get Approved For a MortgageContinue

  • Buying a New Construction Home
    Real Estate Topic | New Construction Homes | Videos

    Steps To Buying a New Construction Home

    ByGustan Cho June 3, 2025January 6, 2026
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    Buying a brand-new home is exciting, but it comes with different steps than purchasing an older home. In this 2025 guide, we’ll walk you through…

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  • Title Insurance Protection
    Home Purchase | Home Mortgage

    Title Insurance Protection Is Required By All Lenders

    ByGustan Cho June 3, 2025February 6, 2026
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    In this article, we will cover and discuss title insurance protection that is required by all mortgage lenders. We will cover what Title Insurance Protection…

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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

Subsidiary Sites

  • Gustan Cho Associates Mortgage Brokers
  • GCA Mortgage Group
  • GCA Forum

Contact Us

  • Email: alex@gustancho.com, gcho@gustancho.com
  • Phone: (800) 900-8569

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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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