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GCA Mortgage
Home / Lender Overlays

Lender Overlays

Choosing The Right Mortgage Lender
Mortgage Lender Overlays | Bad Credit Mortgage Loans | Videos

Choosing The Right Mortgage Lender With No Overlays

ByGustan Cho May 7, 2025May 8, 2025
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Choosing the right mortgage lender is extremely important. There are thousands of mortgage lenders and which lender do you choose? Getting a referral from a…

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FHA Guidelines Versus Lender Overlays
Mortgage Lender Overlays | Videos

FHA Guidelines Versus Lender Overlays on FHA Loans

ByGustan Cho August 1, 2024August 2, 2024
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Apply Now In this blog, we will cover the difference between FHA guidelines versus lender overlays on FHA loans. All mortgage lenders need to follow…

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Mortgage guidelines
Mortgage Process | Home Mortgage | Lender Overlays | Videos

Mortgage Guidelines on Government and Conventional Loans

ByGustan Cho July 5, 2024February 17, 2025
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Apply Now In this blog, we will be covering mortgage guidelines on government and conventional loans. Mortgage guidelines on the individual mortgage loan program are…

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Lender Overlays
Bad Credit Mortgage Loans | Lender Overlays

What Are Lender Overlays By Mortgage Companies

ByDale Elenteny July 1, 2024July 4, 2024
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In this blog, we will cover and discuss choosing a lender with no lender overlays when denied for a mortgage. Not all mortgage lenders are…

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VA Loan with Judgment
Bad Credit Mortgage Loans | Mortgage Lender Overlays

Lender Overlays on Credit Scores

ByGustan Cho March 28, 2024March 28, 2024
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This  guide covers lender overlays on credit scores on government and conventional loans.  We will discuss and explain mortgage lender overlays on credit scores. A…

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VA ELIGIBILITY GUIDELINES AND REQUIREMENTS
VA Loans | Videos

VA Eligibility Guidelines And Requirements On VA Home Loans

ByGustan Cho February 26, 2024October 29, 2024
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The U.S. government created and implement VA loans to reward active-duty and retired members of the U.S. Military to show their appreciation of serving our…

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Waiting Period After Bankruptcy And Foreclosure Mortgage Guidelines
Mortgage After Bankruptcy | Mortgage After Foreclosure | Videos

Waiting Period After Bankruptcy and Foreclosure Guidelines

ByAnngelli Abenes February 26, 2023April 25, 2024
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  This blog will cover the waiting period after bankruptcy and foreclosure mortgage guidelines on government and conventional loans. There is a mandatory waiting period…

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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
  • VA 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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  • GCA Mortgage Group
  • GCA Forum

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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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