We Do Complicated Mortgages

Late mortgage payments? Just started a new job? Credit score around 500 and in Chapter 13 bankruptcy? You’re not out—you’ve got options.

Traditional banks often shut the door on borrowers with recent lates, low scores, or an active Chapter 13. The result? Denials, delays, and uncertainty about where to turn next.

Every “no” costs you time and peace of mind. Meanwhile, rates move, rents rise, and your family’s plans stay on hold. It’s frustrating to hear you don’t fit a “perfect box” when life has already thrown enough at you—job loss, credit hits, trustee approvals, and overlays you’ve never even heard of.

At Gustan Cho Associates, we focus on real-world approvals—not perfect profiles. If you’ve had mortgage lates, a 500 credit score, recent employment changes, or you’re in a Chapter 13, we’ll map out a path forward. Programs may include:

👉FHA manual underwriting (including during/after Chapter 13 with trustee approval)
👉VA options for eligible veterans
👉Non-QM / alternative loans designed for unique credit or income stories
👉Flexible reviews with no lender overlays on many programs

Ready to turn a “no” into a plan? Call Gustan Cho Associates at 800-900-8569.
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