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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
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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…

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Credit Disputes During The Mortgage Process
Videos | Credit Disputes

Credit Disputes During The Mortgage Loan Process

ByGustan Cho August 7, 2024August 8, 2024
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Apply Now This article will cover the mortgage guidelines for credit disputes during the mortgage loan process. Credit disputes during the mortgage process are not…

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FHA Credit Requirements
FHA Loans | Bad Credit Mortgage Loans | Videos

FHA Credit Requirements Per HUD Guidelines For AUS Approval

ByGustan Cho July 29, 2024November 8, 2024
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  In this blog, we will discuss and cover the minimum FHA credit requirements per HUD guidelines to get approve/eligible per the automated underwriting system…

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Denied For Mortgage After Conditional Approval
Conditional Loan Approval | Non-QM Loans | Videos

Getting Denied For a Mortgage After Conditional Approval

ByGustan Cho July 22, 2024July 22, 2024
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In this blog, we will discuss getting denied for a mortgage after conditional approval. Can borrowers get denied for a mortgage after conditional approval? There…

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High Debt-To-Income Ratio Mortgage Loans And Solutions
High Debt-To-Income Ratio | Non-QM Loans | Videos

High Debt-To-Income Ratio Mortgage Loans

ByGustan Cho July 11, 2024July 11, 2024
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Many new high debt-to-income ratio mortgage loans have been recently launched and introduced to the market. No-doc loans, DSCR mortgages, profit and loss statement-only mortgage…

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HUD 4000.1 FHA Handbook
FHA Loans | Videos

HUD 4000.1 FHA Handbook

ByGustan Cho July 11, 2024July 11, 2024
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Apply Now In this guide on HUD 4000.1 FHA Handbook Guidelines on FHA loans, we will cover the main bullet points on HUD agency mortgage…

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VA Loan With Bad Credit
VA Loans | VA Loans With Low Credit Scores | Videos

VA Loan With Bad Credit Mortgage Guidelines

ByGustan Cho February 26, 2024December 16, 2024
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This VA home loan guide will cover qualifying for a VA loan with bad credit. VA loans are the best mortgage loan program for owner-occupant…

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Tax Benefits of Owning Versus Renting a Home
Home Purchase

9 Reasons Why To Buy a Townhouse For First-Time Homebuyers

ByGustan Cho February 1, 2024February 1, 2024
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In this blog, we will cover and discuss 9 reasons why to buy a townhouse for first-time homebuyers. Homebuyers often compare buying townhouses versus single-family…

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Disputing a Low Appraisal
Appraisal | Home Mortgage | Home Purchase | Videos

Disputing a Low Appraisal to Get a Higher Home Value

ByAnngelli Abenes September 7, 2023December 18, 2023
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This guide covers disputing a low appraisal to get a higher home value. A low home appraisal can cause all sorts of problems. If you’re…

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Rent-To-Own Homes
Home Purchase

What Are Rent-To-Own Homes?

ByRonda Butts March 9, 2023December 18, 2023
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In this blog, we will cover what are rent-to-own homes and how they work.  Rent-to-own homes offer both home buyers and home sellers advantages. Homebuyers…

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How To Get Pre-Approved
Mortgage Process | Home Mortgage | Videos

How To Get Pre-Approved For a Mortgage and Close on Time

ByGustan Cho January 27, 2023December 18, 2023
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Apply Now This blog will cover how to get pre-approved for a mortgage and close on time. For homebuyers, whether first-time home buyers or seasoned…

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Home Mortgage After Bankruptcy
Mortgage After Bankruptcy

Home Mortgage After Bankruptcy Guidelines

ByAlex Carlcucci January 26, 2023November 26, 2024
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This article will cover home mortgage after bankruptcy guidelines. We will give viewers advice and tips on qualifying for a home mortgage after bankruptcy. Homebuyers…

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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
  • 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

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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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