Skip to content
GCA Mortgage
  • About UsExpand
    • Contact Us at Gustan Cho Associates
    • Get Pre-Approved
    • FICO Simulator
    • Why Gustan Cho Associates
    • Our Team at GCA
    • Find Loan Limits
  • Types of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loans
    • RefinanceExpand
      • 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 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
      • FHA Collections
    • VA LoansExpand
      • 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 LoansExpand
      • 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 LoansExpand
      • 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
  • CareersExpand
    • Career OpportunitiesExpand
      • MLO License School
    • Mortgage Career Opportunities
    • REALTOR-MLO Career Opportunities
  • Videos
  • Testimonials
  • Blog
  • Talk To Loan Officer
GCA Mortgage
Home / Income and Employment

Income and Employment

FHA Guidelines on Income and Employment Gaps
Income and Employment | FHA Loans | Gap in Employment | Videos

FHA Guidelines on Income and Employment Gaps

ByGustan Cho May 7, 2025May 8, 2025
Tweet
Share
Share
Pin
Share
0 Shares

This blog will discuss and cover FHA guidelines on income and employment gaps. We will discuss in detail the FHA guidelines on income and employment…

Read More FHA Guidelines on Income and Employment GapsContinue

Job Loss During Mortgage Process
Gap in Employment | Income and Employment

Job Loss During Mortgage Process & How To Proceed To Close

BySapna Sharma April 28, 2025April 28, 2025
Tweet
Share
Share
Pin
Share
0 Shares

Job Loss During Mortgage Process: What To Do and How To Still Close on Your Home in 2025 Losing your job while you’re in the…

Read More Job Loss During Mortgage Process & How To Proceed To CloseContinue

Home Loan With Overtime Income and Other Income
Income and Employment | High Debt-To-Income Ratio | Videos

Home Loan With Overtime Income and Other Income

ByGustan Cho July 15, 2024July 16, 2024
Tweet
Share
Share
Pin
Share
0 Shares

This article will cover qualifying for a home loan with overtime income and other income. Homebuyers can qualify for a home loan with overtime income…

Read More Home Loan With Overtime Income and Other IncomeContinue

What Can Be Used As Income For a Mortgage
Manual Underwriting | Income and Employment | Mortgage Process

What Can Be Used As Income For a Mortgage Approval

BySapna Sharma June 24, 2024June 25, 2024
Tweet
Share
Share
Pin
Share
0 Shares

In this blog, we will cover and discuss what can be used as income for a mortgage. Other income such as overtime, part-time, bonus, tip,…

Read More What Can Be Used As Income For a Mortgage ApprovalContinue

Income and Employment

HUD Self-Employment Guidelines On FHA Home Loans

ByGustan Cho June 5, 2024February 17, 2025
Tweet
Share
Share
Pin
Share
0 Shares

This ARTICLE Is About HUD Self-Employment Guidelines On FHA Home Loans HUD Self-Employment Guidelines allow self-employed borrowers to qualify for FHA loans. The borrower needs…

Read More HUD Self-Employment Guidelines On FHA Home LoansContinue

How Do Mortgage Underwriters Calculate Income
Income and Employment

How Do Mortgage Underwriters Calculate Income

BySapna Sharma February 21, 2024February 22, 2024
Tweet
Share
Share
Pin
Share
0 Shares

In this article, we will cover the frequently asked question by homebuyers on how do mortgage underwriters calculate income when processing and underwriting a mortgage…

Read More How Do Mortgage Underwriters Calculate IncomeContinue

Other Income Mortgage Guidelines With Less Than 2 Years Seasoning
Income and Employment

Other Income Mortgage Guidelines With Less Than 2 Years Seasoning

ByGustan Cho February 14, 2024February 15, 2024
Tweet
Share
Share
Pin
Share
0 Shares

Let’s delve into the intricacies of other income mortgage guidelines, particularly when seasoning falls short of the customary two-year mark. In mortgage applications, understanding the…

Read More Other Income Mortgage Guidelines With Less Than 2 Years SeasoningContinue

Working Two Full-Time Jobs To Qualify For Mortgage
Income and Employment | Gap in Employment | Videos

Working Two Full-Time Jobs To Qualify For Mortgage

ByGustan Cho January 31, 2024February 2, 2024
Tweet
Share
Share
Pin
Share
0 Shares

In this blog, we will cover working two full-time jobs to qualify for mortgage. The 2008 Real Estate And Financial Meltdown affected millions of hard-working…

Read More Working Two Full-Time Jobs To Qualify For MortgageContinue

How Is Other Income Calculated By Underwriters
Income and Employment

How Do Underwriters View Commission Income For 1099 Wage Earners

ByGustan Cho January 29, 2024February 15, 2024
Tweet
Share
Share
Pin
Share
0 Shares

This BLOG On How Do Underwriters View Commission Income For 1099 Wage Earners Was UPDATED On April 28th, 2019 Just because a person is employed and…

Read More How Do Underwriters View Commission Income For 1099 Wage EarnersContinue

Maximum Monthly Mortgage Payment Affordability Versus Qualified
Income and Employment

What Is Maximum Monthly Mortgage Payment You Can Afford?

ByGustan Cho December 11, 2023January 25, 2024
Tweet
Share
Share
Pin
Share
0 Shares

In this blog, we will cover and discuss what is maximum monthly mortgage payment you can afford versus how much you qualify.  As technological advances…

Read More What Is Maximum Monthly Mortgage Payment You Can Afford?Continue

W2-Income-Only Mortgages
1099 and W2 Income Only Mortgages | Income and Employment

W2-Income-Only Mortgages

ByGustan Cho October 13, 2023December 18, 2023
Tweet
Share
Share
Pin
Share
0 Shares

This guide covers qualifying for W2-Income-Only Mortgages. Borrowers who are W-2 wage earners and mortgage underwriters will go off the most recent paycheck stubs reflected…

Read More W2-Income-Only MortgagesContinue

1099-Income-Only Mortgages
Income and Employment | 1099 and W2 Income Only Mortgages

1099-Income-Only Mortgages For Borrowers

ByGustan Cho October 13, 2023December 18, 2023
Tweet
Share
Share
Pin
Share
0 Shares

Apply Now In this mortgage guide on Gustan Cho Associates, we will cover qualifying for 1099-income-only mortgages. Many people are 1099-income-only wage earners and have…

Read More 1099-Income-Only Mortgages For BorrowersContinue

Page navigation

1 2 Next PageNext

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

  • FHA Guidelines
  • VA Guidelines
  • USDA Guidelines
  • Conventional Loan Guidelines

Recent Articles

  • A Guide To Buying a Foreclosed Home
    A Guide To Buying a Foreclosed Home
    by Alex Carlcucci
    May 7, 2025
  • Choosing The Right Mortgage Lender
    Choosing The Right Mortgage Lender With No Overlays
    by Gustan Cho
    May 7, 2025

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

Connect with Social Media

  • Facebook
  • YouTube
  • LinkedIn
  • Instagram
  • TikTok
  • Tumblr

Resources

  • Resources
  • Talk To A Loan Officer
  • Order Credit Report
  • FICO Simulator
  • MLO License School
  • Documents Required
  • How To Increase FICO
  • Rebuild Credit
  • How To Reach a Live Person at Credit Bureaus
  • Remove Credit Disputes
  • How To Pass The NMLS Exam
  • Mortgage Career Opportunities
  • REALTOR-MLO Career Opportunities
  • Why Gustan Cho Associates
  • DACA Mortgage Loans
  • Gustan Cho Associates Videos
  • Contact Us at Gustan Cho Associates
  • Find Loan Limits
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: 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

© 2023 - NEXA Mortgage LLC. All Rights Reserved.

Scroll to top Call Now
  • 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
Search