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Call or Text: 1-844-90-RATES

Email Us: alex@gustancho.com

Preferred Mortgage Rates
  • Understanding Mortgage Programs
    Conventional Loans

    Fannie Mae Guidelines on Conventional Loans

    BySapna November 3, 2025November 3, 2025

    This guide covers Fannie Mae guidelines on conventional loans with no lender overlays in Illinois….

    Read More Fannie Mae Guidelines on Conventional LoansContinue

  • Using FHA 203k Rehab Loans in Chicago Illinois For Renovation
    Bad Credit Mortgages | Conventional Loans | FHA Loans

    FHA Loans Versus Conventional Loans

    BySapna December 23, 2024December 23, 2025

    FHA Loans are the most popular mortgage programs today due to the many benefits it…

    Read More FHA Loans Versus Conventional LoansContinue

  • 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

  • Conventional Home Loans
    Conventional Loans

    Conventional Home Loans Mortgage Lending Guidelines

    ByGustan Cho January 30, 2023April 15, 2025

    This BLOG On Conventional Home Loans Mortgage Lending Guidelines Was UPDATED On January 2nd, 2019 For…

    Read More Conventional Home Loans Mortgage Lending GuidelinesContinue

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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
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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
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  • 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
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