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GCA Mortgage
Home / Credit Scores

Credit Scores

HUD Credit Score Guidelines For FHA Loans
Home Mortgage | Credit Scores | Debt-To-Income Ratio | Down Payment and Closing Costs | FHA Loans | Manual Underwriting | Videos

HUD Credit Score Guidelines on FHA Loans

ByGustan Cho July 14, 2024July 14, 2024
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This guide covers HUD credit score guidelines on FHA loans. HUD, the parent of FHA, is the government agency that sets the minimum HUD credit…

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FHA Loan With Medical Collections And Charge Offs
Credit Scores | Collections and Charged-Off Accounts | Credit Disputes

FHA Loan With Medical Collections And Charge Offs Guidelines

ByGustan Cho June 26, 2024June 27, 2024
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All lenders need to meet agency mortgage guidelines by HUD. However, most lenders will have additional mortgage requirements that are above and beyond those of…

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How To Get Credit Cards After Bankruptcy
Credit Scores | Home Mortgage | Home Purchase | Home Seller | Mortgage Process | Re-Establishing Credit

Adding Credit Tradelines To Qualify For Mortgage

ByGustan Cho May 3, 2024October 4, 2024
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In this blog, we will cover and discuss adding credit tradelines to qualify for mortgage by boosting credit scores. Many homebuyers go to their banks…

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Can You Buy House With Credit Card Debt
Credit Scores

How To Raise Credit Scores To Qualify For Mortgage

ByAlex Carlcucci April 5, 2024April 5, 2024
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This guide covers how to raise credit scores to qualify for mortgage at the best rates. Many home buyers ask how to raise credit scores…

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Using Non-Traditional Credit Tradelines Versus Traditional
Credit Scores | Mortgage Process | Mortgage Rates

Fastest and Easiest Way To Increase Credit Scores

ByAlex Carlcucci February 20, 2024March 21, 2024
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This guide covers the fastest and easiest way to increase credit scores to get the best mortgage rates. We get countless calls from our viewers…

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Credit Scores Increased During Underwriting Process
Credit Scores | Home Mortgage | Home Purchase | Mortgage Process | Mortgage Rates

Credit Scores Increased During Underwriting Process

ByGustan Cho February 19, 2024April 16, 2024
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In this article, we will cover credit scores increased during underwriting process. If credit scores increased during underwriting process, the borrowers could lock the loan…

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Credit Scores | Mortgage Rates

Pricing Adjustments of Mortgage Rates With Low Credit Scores

ByGustan Cho February 2, 2024February 2, 2024
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This guide covers the loan-level pricing adjustments of mortgage rates with low credit scores. Borrowers will get higher mortgage rates with low credit scores. Lenders…

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Credit Scores | Credit Disputes | Mortgage Process

Credit Inquiries By Mortgage Lenders And Impact On Credit Scores

ByGustan Cho December 6, 2023October 7, 2024
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This BLOG On Credit Inquiries By Mortgage Lenders And Impact On Credit Scores Was Updated And PUBLISHED On February 21st, 2020 Consumer’s Credit Profile is…

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FHA Loans With Low Credit Scores
Collections and Charged-Off Accounts | Credit Scores | FHA Loans | Mortgage With Low Credit Scores | Videos

FHA Loans With Low Credit Scores Mortgage Guidelines

ByAlex Carlcucci November 27, 2023December 18, 2023
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Apply Now This blog will cover qualifying for FHA loans with low credit scores and bad credit mortgage guidelines. FHA loans are this country’s most…

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Credit Scores Used By Lenders To Qualify For Mortgage
Credit Scores

Credit Scores Used By Lenders To Qualify For Mortgage

ByAlex Carlcucci October 17, 2023December 18, 2023
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This guide covers what credit scores used by lenders to qualify for mortgage loans. Let’s take a mortgage case scenario on what credit scores used…

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FICO Versus Vantage Score
Home Mortgage | Credit Scores

The Difference Between FICO Versus Vantage Score

ByGustan Cho October 10, 2023December 18, 2023
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This guide covers the difference between FICO versus Vantage Score. In personal finance, credit scores are crucial in determining your Eligibility for various financial products,…

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

Monitoring Credit Report To Qualify For A Mortgage

ByGustan Cho February 7, 2023November 4, 2024
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This Article Is About Monitoring Credit Report To Qualify For A Mortgage  It’s up to you and it is your responsibility to have control of…

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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

  • Qualifying For Home Loan With Tax Lien
    Qualifying For Home Loan With Tax Lien and Judgment
    by Anngelli Abenes
    December 23, 2024
  • Buying Down Interest Rates With Discount Points On Mortgage
    Buying Down Interest Rates With Discount Points On Mortgage
    by Gustan Cho
    December 23, 2024

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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
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      • MLO License School
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