Skip to content

Call or Text: 1-844-90-RATES

Email Us: alex@gustancho.com

Preferred Mortgage Rates
  • About UsExpand
    • Contact
    • Loan Limits
    • Meet Our Team
    • Preferred Mortgage Rates Subsidiaries
    • Wholesale Lender Directory
    • GCA Forums
  • Mortgage TypesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loans
    • RefinanceExpand
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • Rate And Term Refinance
      • FHA Streamline Refinance
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
    • FHA Home LoansExpand
      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines On FHA Loans
      • FHA Loans For Bad Credit
      • FHA Loans For Low Credit Scores
      • FHA Collections
      • FHA Loans Charged Off Accounts
      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
      • FHA Loan With Judgment
    • FHA 203k Loans
    • VA Home LoansExpand
      • VA Manual Underwriting
      • VA Chapter 13 Bankruptcy Guidelines
      • VA Loans For Bad Credit
      • VA Loans For Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loans with Tax Lien
      • VA Loan with Judgment
    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans For Real Estate Investors
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
      • No-Doc Loans
    • USDA Loans
    • Jumbo Loans
    • DACA Mortgage Loans
    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condominium LoansExpand
      • Warrantable Condos
      • Condotel Financing
      • Non-Warrantable Condos
    • Commercial Loans
    • Reverse Mortgage Loans
  • ResourcesExpand
    • How To Get Best Rates
    • How To Increase FICO
    • How To Reach Human at Credit Bureaus
    • How To Remove Credit Disputes
  • Blog
  • Testimonials
  • Fast Quote

Call or Text: 1-844-90-RATES

Email Us: alex@gustancho.com

Preferred Mortgage Rates
  • How Much House Can I Afford
    Home Mortgage | Home Purchase | Real Estate Topic | Videos

    How Much House Can I Afford Versus Qualify

    ByGustan Cho September 5, 2023September 5, 2023

    This guide covers the frequently asked question of how much house can I afford versus…

    Read More How Much House Can I Afford Versus QualifyContinue

  • Housing and Mortgage Market
    Real Estate Topic | Home Mortgage | Home Purchase | Mortgage Rates | Videos

    Housing and Mortgage Market Recap of 2023

    ByMargarett Jurilla September 5, 2023September 5, 2023

    The housing and mortgage market plays a crucial role in the overall economy, reflecting individuals’…

    Read More Housing and Mortgage Market Recap of 2023Continue

  • Refinancing to a Fixed-Rate Mortgage
    Adjustable-Rate Mortgages | Mortgage Rates | Mortgage Refinance

    Refinancing To a Fixed-Rate Mortgage

    ByMargarett Jurilla September 5, 2023September 5, 2023

    In this blog, we will cover refinancing to a fixed-rate mortgage. ARM stands for adjustable-rate…

    Read More Refinancing To a Fixed-Rate MortgageContinue

  • Mortgage Process Timeline
    Mortgage Processing And Underwriting | Home Mortgage | Videos

    Mortgage Process Timeline From Application To Clear-To-Close

    ByGustan Cho September 4, 2023October 4, 2024

    This guide covers the mortgage process timeline from application to clear-to-close. Mortgage process timeline can…

    Read More Mortgage Process Timeline From Application To Clear-To-CloseContinue

  • Mortgage Rate Buydown
    Home Mortgage | Home Purchase | Mortgage Rates

    What is a Mortgage Rate Buydown

    ByGustan Cho September 4, 2023December 16, 2025

    This guide covers the frequently asked question of what is a mortgage rate buydown. Consider…

    Read More What is a Mortgage Rate BuydownContinue

  • HUD Versus Fannie Mae Guidelines
    Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Videos

    HUD Versus Fannie Mae Guidelines on Mortgages in Bankruptcy

    ByDale Elenteny August 31, 2023August 31, 2023

    This guide covers HUD versus Fannie Mae guidelines on mortgages in Bankruptcy. There are major…

    Read More HUD Versus Fannie Mae Guidelines on Mortgages in BankruptcyContinue

  • Cash-Out Refinance Mortgage Guidelines
    Mortgage Refinance

    Cash-Out Refinance Mortgage Guidelines on Home Loans

    ByGustan Cho August 29, 2023December 16, 2025

    Homeowners with equity in their homes and overwhelmed with debt can consider a cash-out refinance…

    Read More Cash-Out Refinance Mortgage Guidelines on Home LoansContinue

  • Buying Versus Renting Home
    Home Mortgage

    Pros and Cons of Buying Versus Renting Home

    ByGustan Cho June 9, 2023June 9, 2023

    In this blog, we will cover buying versus renting home. We will discuss the benefits…

    Read More Pros and Cons of Buying Versus Renting HomeContinue

  • Mortgage Without A Credit Score
    Home Mortgage | Videos

    Mortgage Without A Credit Score Lending Guidelines

    ByMichael Gracz May 26, 2023May 26, 2023

    This ARTICLE On Mortgage Without A Credit Score Lending Guidelines Was PUBLISHED On July 1st,…

    Read More Mortgage Without A Credit Score Lending GuidelinesContinue

  • Government Shutdown
    Bad Credit Mortgages

    Government Shutdown Delays Home Closings

    ByAlex Carlcucci April 27, 2023December 16, 2025

    What is a government shutdown?  Why does the government shut down? What happens when the…

    Read More Government Shutdown Delays Home ClosingsContinue

Page navigation

Previous PagePrevious 1 2 3 4 5 6 7 Next PageNext

Subsidiary Sites

  • Lending Network, LLC
  • Gustan Cho Associates Mortgage Brokers
  • GCA Mortgage Group
  • NON-QM Mortgage Lenders
  • Mortgage Lenders For Bad Credit
  • FHA Bad Credit Lenders
  • Preferred Mortgage Rates
  • One Solution Real Estate
  • Great Community Authority Forums

Recent Articles

  • Understanding Mortgage Programs
    Fannie Mae Guidelines on Conventional Loans
    by Sapna
    November 3, 2025
  • Manual Underwriting DTI Guidelines for FHA and VA Loans
    Manual Underwriting DTI Guidelines for FHA and VA Loans
    by Sapna
    October 23, 2025

Contact Us

  • Email: gcho@gustancho.com
  • Fast Response: 800-900-8569
  • Branch Address: 999 Oakmont Plaza Drive Suite 600 Westmont IL 60559
  • Facebook
  • Instagram
  • LinkedIn
  • TikTok
  • YouTube
  • Tumblr
Regulated by IDFPR – Residential Mortgage Banking 555 West Monroe St., Ste 500 Chicago, Illinois 60661, 844-768-1713
Gustan Cho NMLS 873293 | Branch Manager NEXA | National Managing Director FHA Bad Credit Lenders FHA Bad Credit Lenders Empowered By NEXA Mortgage, LLC NMLS 1660690, Company State License # AZMB - 099459 Corporate Address: 3100 Ray Road Suite 201 Office # 209 | Chandler, Arizona 85226 Company NMLS 1660690 | FHA Bad Credit Lenders Branch NMLS 2315275 | GCA Regional Branch Address 999 Oakmont Plaza Drive Suite 600 Westmont IL 60559 | For licensing information, go to www.nmlsconsumeraccess.org | Texas Complaint and Recovery | Brokers and Affiliates AXEN is a dba of NEXA Mortgage LLC
Scroll to top Call Now
  • About Us
    • Contact
    • Loan Limits
    • Meet Our Team
    • Preferred Mortgage Rates Subsidiaries
    • Wholesale Lender Directory
    • GCA Forums
  • Mortgage Types
    • Purchase
      • Home Purchase Loans
      • Investment Property Loans
    • Refinance
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • Rate And Term Refinance
      • FHA Streamline Refinance
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
    • FHA Home Loans
      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines On FHA Loans
      • FHA Loans For Bad Credit
      • FHA Loans For Low Credit Scores
      • FHA Collections
      • FHA Loans Charged Off Accounts
      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
      • FHA Loan With Judgment
    • FHA 203k Loans
    • VA Home Loans
      • VA Manual Underwriting
      • VA Chapter 13 Bankruptcy Guidelines
      • VA Loans For Bad Credit
      • VA Loans For Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loans with Tax Lien
      • VA Loan with Judgment
    • NON-QM Loans
      • Bank Statement Loans
      • DSCR Loans For Real Estate Investors
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
      • No-Doc Loans
    • USDA Loans
    • Jumbo Loans
    • DACA Mortgage Loans
    • Conventional Loans
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condominium Loans
      • Warrantable Condos
      • Condotel Financing
      • Non-Warrantable Condos
    • Commercial Loans
    • Reverse Mortgage Loans
  • Resources
    • How To Get Best Rates
    • How To Increase FICO
    • How To Reach Human at Credit Bureaus
    • How To Remove Credit Disputes
  • Blog
  • Testimonials
  • Fast Quote
Search