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Call or Text: 1-844-90-RATES

Email Us: alex@gustancho.com

Preferred Mortgage Rates
  • Shopping For Mortgage With Bad Credit And Low Credit Scores
    Bad Credit Mortgages | Credit Repair | FHA Loans | Home Mortgage | Home Purchase

    Mortgage Loans With Bad Credit

    BySapna March 18, 2025March 18, 2025

    This guide covers qualifying for mortgage loans with bad credit and low credit scores for…

    Read More Mortgage Loans With Bad CreditContinue

  • Using FHA 203k Rehab Loans in Chicago Illinois For Renovation
    FHA Loans | Home Purchase

    Qualifying For FHA Loan After Loan Modification

    ByAlex Carlcucci February 16, 2024February 16, 2024

    This covers the mortgage guidelines of qualifying for FHA loan after loan modification. What is…

    Read More Qualifying For FHA Loan After Loan ModificationContinue

  • What are the advantages of an FHA 203k loan When buying the Fixer top?
    Home Mortgage | Home Purchase

    Why Are Mortgages Denied And How To Avoid Loan Denial

    ByAlex Carlcucci February 6, 2024February 6, 2024

    This Article Is About Why Are Mortgages Denied And How To Avoid Loan Denial There…

    Read More Why Are Mortgages Denied And How To Avoid Loan DenialContinue

  • Benefits of Buying a Home
    Home Purchase

    Benefits of Buying a Home Now Rather Than To Delay and Rent

    ByDale Elenteny December 11, 2023December 16, 2025

    In this blog, we will cover the benefits of buying a home now rather than…

    Read More Benefits of Buying a Home Now Rather Than To Delay and RentContinue

  • Financing a Second Home: Mortgage Guidelines
    Home Purchase

    Financing a Second Home: Mortgage Guidelines

    ByMichael Gracz December 6, 2023December 6, 2023

    Financing a second home is different than getting a mortgage for a primary residence: You…

    Read More Financing a Second Home: Mortgage GuidelinesContinue

  • Negative Factors In Buying Short Sale Homes For Homebuyers
    Home Purchase

    Negative Factors In Buying Short Sale Homes For Homebuyers

    ByGustan Cho October 23, 2023October 23, 2023

    In this blog, we will discuss and cover the negative factors in buying short sale…

    Read More Negative Factors In Buying Short Sale Homes For HomebuyersContinue

  • 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

  • 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

  • First Time Home Buyer Common Questions On Home Purchases
    Home Purchase

    First Time Home Buyer Common Questions On Home Purchases

    ByAlex Carlcucci December 6, 2022July 28, 2025

    This Article Is About First Time Home Buyer Common Questions On Home Purchases  The housing…

    Read More First Time Home Buyer Common Questions On Home PurchasesContinue

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  • FHA Bad Credit Lenders
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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
      • 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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