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      • Fannie Mae Foreclosure Guidelines on Conventional Loans
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GCA Mortgage
  • Reason For Mortgage Denial After Conditional Loan Approval
    Home Mortgage | Mortgage Process

    How To Avoid Mortgage Denial During The Loan Process

    ByGustan Cho June 3, 2025September 25, 2025
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    Buying a home is exciting but getting denied for a mortgage during the loan process can feel devastating. The truth is, many borrowers get denied…

    Read More How To Avoid Mortgage Denial During The Loan ProcessContinue

  • Home Loans For Heroes
    Home Loans For Heroes | Videos

    Home Loans For Heroes Police and First Responders

    ByMichael Gracz June 3, 2025February 10, 2026
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    Are you an EMT, firefighter, police officer, or first responder dreaming of owning a home? You deserve a place to call your own and there…

    Read More Home Loans For Heroes Police and First RespondersContinue

  • First-Time Homebuyers FAQs
    Bad Credit Mortgage Loans | First-Time Homebuyers | Real Estate Topic | Videos

    First-Time Homebuyers FAQs

    ByAnngelli Abenes June 2, 2025January 15, 2026
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    Are you done renting and ready to buy your first home? You’re not alone. Every year, millions of people take the exciting step of becoming…

    Read More First-Time Homebuyers FAQsContinue

  • Remote Loan Officer Career Opportunity
    Career Opportunities-Loan Officer Training | Videos

    Remote Loan Officer Career Opportunity as an Independent MLO

    ByMargarett Jurilla May 29, 2025May 30, 2025
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    Are you looking to take control of your career, work from anywhere, and build your own book of business in the mortgage industry? The remote…

    Read More Remote Loan Officer Career Opportunity as an Independent MLOContinue

  • Qualifying For Mortgage After Debt Settlement Versus Bankruptcy
    Home Mortgage | Home Purchase | Home Seller

    Qualifying For Mortgage After Debt Settlement Versus Bankruptcy

    ByGustan Cho May 29, 2025February 6, 2026
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    If you’ve recently resolved your debts through debt settlement or bankruptcy, you may be wondering when you can buy a home again. The good news?…

    Read More Qualifying For Mortgage After Debt Settlement Versus BankruptcyContinue

  • VA DTI and Credit Score Guidelines
    VA Loans | Mortgage Lender Overlays

    VA Credit Score Guidelines on Purchase and Refinance

    ByAnngelli Abenes May 29, 2025October 23, 2025
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    Suppose you’re a veteran, active-duty service member, or surviving spouse. In that case, you may wonder if your credit score qualifies for a VA loan….

    Read More VA Credit Score Guidelines on Purchase and RefinanceContinue

  • Conventional Loan With Bad Credit Mortgage Guidelines
    Conventional loans

    Conventional Loan With Bad Credit Mortgage Guidelines

    ByGustan Cho May 28, 2025October 2, 2025
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    If you think your credit score is too low for a conventional mortgage, think again. While traditional loans generally have stricter credit requirements, you can…

    Read More Conventional Loan With Bad Credit Mortgage GuidelinesContinue

  • Refinancing FHA Loans To Conventional Loans
    Manual Underwriting | Mortgage Process

    Mortgage Loan Application and the Underwriting Approval Process

    ByDale Elenteny May 28, 2025February 6, 2026
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    Applying for a mortgage can feel overpowering, but understanding the mortgage loan application and the underwriting approval process helps you stay one step ahead. Whether…

    Read More Mortgage Loan Application and the Underwriting Approval ProcessContinue

  • Owning Versus Renting a Home
    Home Purchase | Verification of Rent

    Benefits of Owning Versus Renting a Home

    ByGustan Cho May 27, 2025January 15, 2026
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    Are you deciding between renting a home and owning a home? It’s one of the biggest financial choices you’ll make and the right decision depends…

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  • Home Loan With Mortgage Charge Off Lending Guidelines
    Collections and Charged-Off Accounts

    Home Loan With Mortgage Charge Off Lending Guidelines

    ByGustan Cho May 27, 2025May 28, 2025
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    This BLOG On Home Loan With Mortgage Charge Off Lending Guidelines Was UPDATED And PUBLISHED On May 27, 2025. Are you trying to buy a…

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  • 2-1 Buydown Mortgage
    Mortgage Rates

    What Is a 2-1 Buydown Mortgage?

    ByGustan Cho May 20, 2025May 21, 2025
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    In this blog, we will be covering what is a 2-1 buydown mortgage. As the federal reserve continues to raise interest rates in an effort…

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  • Home Loans With Under 600 Credit Scores
    Manual Underwriting

    What Happens If Credit Scores Drop During Mortgage Process

    ByGustan Cho May 15, 2025February 6, 2026
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    Applying for a mortgage can be thrilling and stressful. You might ask: “What happens if my credit scores drop during mortgage process?” Will you lose…

    Read More What Happens If Credit Scores Drop During Mortgage ProcessContinue

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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

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  • 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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