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GCA Mortgage
Home / Manual Underwriting

Manual Underwriting

FHA Manual Underwriting DTI Guidelines
Manual Underwriting | Videos

FHA Manual Underwriting DTI Guidelines on FHA Loans

ByGustan Cho May 4, 2025May 6, 2025
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In this article, we will cover FHA manual underwriting DTI guidelines on FHA loans. FHA and VA loans are the only two mortgage loan programs…

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Refinancing With Bad Credit and Low Credit Scores
Manual Underwriting | Mortgage Process

Why Mortgage Loans Do Not Close On Time

ByGustan Cho April 28, 2025April 29, 2025
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Why mortgage loans do not close on time? When you apply for a mortgage, the goal is simple: get to closing day smoothly and on…

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Things To Avoid During Mortgage Process
Mortgage Process | Manual Underwriting | Videos

Things To Avoid During Mortgage Process

BySapna Sharma April 21, 2025April 22, 2025
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Getting a mortgage is a big step toward owning a home, but it requires following some strict guidelines along the way. One wrong move during…

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Refinancing FHA Loans To Conventional Loans
Manual Underwriting | Mortgage Process

Mortgage Loan Application and the Underwriting Approval Process

ByDale Elenteny October 7, 2024
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This article is about the mortgage loan application and approval process that requires the borrower to go through multiple stages. In this article, we will…

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Manual Underwriting Guidelines With Late Payments
Manual Underwriting | Videos

Manual Underwriting Guidelines With Late Payments

ByAnngelli Abenes July 28, 2024July 29, 2024
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Apply Now This Article Is About Manual Underwriting Guidelines With Late Payments: FHA and VA loans are the only two mortgage loan programs that allow…

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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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Identity Theft During FHA Loan Process Will Delay Home Closing
Manual Underwriting

Identity Theft During FHA Loan Process Will Delay Home Closing

BySapna Sharma July 3, 2024July 4, 2024
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This Article Is About Identity Theft During FHA Loan Process Will Delay Home Closing Homebuyers can still qualify for a mortgage loan if they are…

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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
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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,…

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Manual Underwriting | Home Purchase | Mortgage Process

Upfront Fees During Mortgage Application Process

ByGustan Cho June 11, 2024November 4, 2024
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In this article, we will discuss and cover the upfront fees during mortgage application process. The mortgage application process starts when pre-approved borrowers get a real…

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HA Manual Underwriting Mortgage
Home Purchase | Manual Underwriting

Extenuating Circumstances Guidelines On Home Loans

ByMichael Gracz June 11, 2024February 17, 2025
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In this blog, we will cover and discuss extenuating circumstances guidelines on home loans. When you read the agency guidelines, there is a lot of…

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Verification Of Rent Required On Manual Underwrites
Manual Underwriting

Verification Of Rent Guidelines on Manual Underwrites

ByGustan Cho March 18, 2024May 23, 2024
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In this article, we will be covering the verification of rent guidelines on manual underwrites. FHA and VA loans are the only two mortgage loan…

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Mortgage Underwriters View Bank Overdrafts
Manual Underwriting | Mortgage Process

How Do Mortgage Underwriters View Bank Overdrafts

ByAlex Carlcucci March 6, 2024March 7, 2024
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This article delves into how mortgage underwriters view bank overdrafts and their implications for mortgage approval. Every financial aspect of a borrower’s life is scrutinized…

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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.

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    May 7, 2025
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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
  • Careers
    • Career Opportunities
      • MLO License School
    • Mortgage Career Opportunities
    • REALTOR-MLO Career Opportunities
  • Videos
  • Testimonials
  • Blog
  • Talk To Loan Officer
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