No Overlay Mortgages

Banks Are Adding Secret Rules to Block Your Mortgage—And You’d Never Know It.

Even if you meet FHA, VA, or Fannie Mae guidelines, your loan could still get denied.

Overlays are hidden rules banks create to protect themselves—not you. For example, a lender might say you need a 620 credit score for an FHA loan—even though FHA allows down to 500.

At Gustan Cho Associates, we say no to overlays.
We approve loans that follow the actual agency guidelines—no added rules, no nonsense.

In this video, you’ll learn:
✅ What lender overlays are
✅ How they impact your mortgage approval
✅ Why most banks use overlays
✅ And why Gustan Cho Associates doesn’t

📞 Call 800-900-8569 to speak with our team.
We’re licensed in 50 states and ready to help you get approved where other lenders said no.

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