Help after bankruptcy, foreclosure, collections, and low credit.
300+ Wholesale Lending Partners
More options mean more approvals.
National Experience
Licensed in 48 states and ready to help.
Our Reviews/Testimonials
What Our Clients Say
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D
I can’t say enough good things about my mortgage guy, Alex! From start to finish, he made the entire process smooth, stress-free, and easy to understand. He was always available to answer my questions (no matter how small), explained every detail clearly, and made sure I got the best possible rate. His professionalism, honesty, and responsiveness truly set him apart. If you’re looking for someone who genuinely cares about helping you get into your home, Alex is the one to call. Highly recommend!
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alex carlucci
Gustan Cho is a great place to work. We specialize in VA, FHA, USDA, NON QM LOANS and JUMBO. We do manual underwriting here too. Manual underwriting is not offered by many banks. We close clients that are in the middle of Chapter 13 Bankruptcy. We go down to 500 credit scores. We can close loans with mortgage lates. We have no Overlays. You can have recent foreclosures and bankruptcies too.
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Rick Mora
Working with NEXA Mortgage LLC | Gustan Cho Associates has been an absolutely outstanding experience from start to finish. I want to give special recognition to John Strange, who went above and beyond in every aspect of the process.
From the very first conversation, John took the time to explain each step clearly, ensuring I understood what was happening and what to expect next. He guided me through every stage with patience and professionalism, making what could have been a stressful process feel smooth and manageable.
What stood out the most was his availability and communication. Anytime I had a question—whether big or small—John was always available to talk, ready with answers and reassurance. His responsiveness gave me complete confidence that I was in good hands.
Even after the process was complete, John continued to check in, showing that his commitment to clients doesn’t end at closing. That level of follow-up and care is rare to find, and it truly sets him apart.
I highly recommend John Strange and the entire NEXA Mortgage | Gustan Cho Associates team. They provide not just excellent service, but exceptional support that goes well beyond expectations.
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Tajhay Bent
I'm extremely pleased with the service I received from John Strange and Angie Torres when I used them to secure a mortgage using a VA loan. From pre-approval to closing, the entire process took just 2 months, which was incredibly efficient.
John was absolutely fantastic to work with. He’s very attentive, responsive, and kept me informed every step of the way. I appreciated how available he was for calls and questions, and his expertise made the entire process feel seamless.
Angie was also great to work with, and her professionalism and knowledge were evident throughout the process.
Their knowledge and expertise in VA loans were invaluable, and I'm so grateful for their help in securing my mortgage. I'd highly recommend John and Angie to anyone looking for a lender, especially those utilizing VA loans. Five stars isn't enough!! I'd give them ten stars if I could!!
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MARIVIC RAMIREZ
It was a smooth transaction working with Gustan Cho. It’s clear that he truly cares about helping his clients find the best loan options. He was transparent throughout the entire process, and everything went smoothly from start to finish. I highly recommend Gustan Cho to my friends and family as a reliable loan officer.
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KENNETH Cabael
If you want a mortgage team that delivers result, Gustan Cho Associates is the one you're looking for. They're highly experienced, efficient, and masters at finding solutions even for the most challenging situations. I'm beyond impressed with their expertise and commitment to their clients.
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April Ramirez
Gustan Cho Associates is simply the best! They're knowledgeable, responsive, and truly care about their clients. They made the mortgage process smooth, stress-free, and provided solutions others couldn't. HIGHLY RECOMMENDED!
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Anngelli Abenes
Working with Gustan Cho Associates was the easiest mortgage experience I've ever had! What really stood out is that they have no lender overlays. This was a lifesaver for me because other lenders have turned me away due to my credit history. They truly understand situations like mine and accept borrowers with less–than–perfect credit without judgment. The team was patient, knowledgeable, and kept me informed every step of the way. I'm now a proud homeowner thanks to them. Highly recommend to anyone who's been told "no" elsewhere. Gustan Cho Associates might just be your "yes!"
We Are Proud to Serve America’s Veterans and Military Families
To every veteran and active-duty service member — thank you. Your bravery, sacrifice, and dedication to protecting this country is something we never take for granted. We specialize in VA loans with no overlays, no down payment, and approvals down to a 500 FICO score. If you’ve been turned down for a VA loan elsewhere, call us. We fight for our veterans the way they fought for us.
