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GCA Mortgage
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credit scores

Qualifying For Mortgage With Bad Credit And Late Payments
Credit Scores

5 Factors That Affect Credit Scores For Mortgage Borrowers

BySapna Sharma April 24, 2025April 24, 2025
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If you plan to buy a home, understanding the factors affecting credit scores is crucial. Your credit score isn’t just a number; it decides if…

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Mortgage Rates Versus Credit Scores
Videos | Mortgage Rates

How Lenders Price Mortgage Rates Versus Credit Scores

ByDale Elenteny December 23, 2024December 26, 2024
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This blog will cover how lenders price mortgage rates versus credit scores. All mortgage companies will price mortgage rates versus credit scores. The higher a…

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Credit Scores Used By Lenders To Qualify For Mortgage
USDA Loans

USDA Credit Score Guidelines For Borrowers With Bad Credit

ByMargarett Jurilla June 17, 2024November 4, 2024
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What credit score do you need for a USDA home loan?  The USDA does not have a minimum credit score requirement but 640 is the…

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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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HUD Minimum Credit Score Guidelines
FHA Loans

HUD Minimum Credit Score Guidelines on FHA Loans

ByAlex Carlcucci February 22, 2024August 26, 2024
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In this blog, we will cover the HUD minimum credit score guidelines on FHA loans.  HUD minimum credit score guidelines to qualify for a 3.5%…

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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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Qualifying Credit Scores Used By Lenders
Uncategorized

When Credit Repair Does Not Work For Mortgage Qualification

ByAlex Carlcucci April 18, 2023November 4, 2024
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This Article Is About When Credit Repair Does Not Work For Mortgage Qualification Cases When Credit Repair Does Not Work For Mortgage Qualification: Credit Repair is…

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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

  • FHA Guidelines
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  • 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

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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: 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

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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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