Gustan Cho Associates Mortgage

Mortgage Loans With No

Lender Overlays

FHA, VA, USDA, Conventional, Jumbo, and Non-QM loan options for borrowers who need real mortgage solutions.

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See What Mortgage Loan You Qualify For

Licensed In 48 States

gcho@gustancho.com

(800) 900-8569

Available 7 Days A Week

Loan Programs

A wide range of loan solutions to fit your unique needs.

FHA Loans

FHA loans are mortgages insured by the Federal Housing Administration. Best for first-time home buyers and borrowers with low credit scores or small down payments.

VA Loans

VA loans are mortgages guaranteed by the Department of Veterans Affairs for eligible veterans, service members, and surviving spouses. VA loans has no down payment….

USDA Loans

USDA loans provide affordable financing for low- and moderate-income rural home buyers. Only certain areas in the country are eligible for USDA mortgage loans.

Non-QM Loans

Non-QM loans are mortgages designed for borrowers who have non-traditional income sources, credit issues, or high debt ratios. These loans are often provided by specialty lenders.

Jumbo Loans

Jumbo loans are mortgages used to finance high-value properties. Jumbo loan limits can change over time and can vary depending on the housing market and location.

Conventional Loans

Conventional loans are for buying residential properties, such as single-family homes, town homes, condos, or manufactured homes. Private mortgage insurance companies...

Business Loans

Business loans are loans given to businesses to finance various expenses, such as start-up costs, working capital, equipment purchases, or expansion projects. Business loans can

Commercial Loans

Commercial loans are loans used to finance commercial real estate, such as office buildings, retail centres, hotels, or industrial properties. Commercial loans are offered by banks..

Consumer Loans

Consumer loans are loans given to consumers to finance personal, family, or household purposes, such as buying a car, paying for education, consolidating debt, or making home..

We Help With Tough Situations

Denied By Another Lender?

We look at your file differently

Low Credit Score?

We have programs starting at 500 FICO.

High DTI?

We have solutions for high debt-to-income ratios.

Self-Employed?

Bank statement loans and self-employed programs.

Buying After Bankruptcy?

We can help you get back on track.

Need Manual Underwriting?

We review the person, not just the numbers.

Why Choose GCA?

No Lender Overlays

We go beyond the box to get you approved..

Manual Underwriting

Real people, real solutions for real situations.

We Say YES When Others Say No

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

Anthony Tsokas

Gustan Cho was extremely professional, knowledgeable, and straight to the point throughout the entire process. He communicated clearly, answered questions directly, and made sure I understood exactly what to expect without wasting time or overcomplicating things. I really appreciated his honesty, efficiency, and the way he handled everything with professionalism. Highly recommend working with Gustan.

DeLeah Jones

Gus is an extraordinary person! He's an extremely helpful, kind, and patient person to work with. He's quick to respond, very informative, and has an answer anytime I have a question. He will give you all the facts and help you with whatever you need regarding mortgage. I highly recommend Gus and his team!

Johnny Burk

Gus and his team are amazing, professional, and very knowledgeable. Even if you have been turned down at other lenders, chances are Gus and his team can get you approved. If they can’t get you approved right now, they will take the time to educate you on how to get approved in the future. Most lenders won’t do that.. they truly care about their clients. If you got great credit with no issues, you should still go see Gus and his team. He’s got the best rates and a very efficient process for closing loans. Your time is valuable.

T Romero

This is a great team to work with and the knowledge and experience they bring to the table to assist in any type of loan. You can rest assure that you are in the best hands and receive quality service. TR

johnny joe

Unbelievable service and knowledge... Gustan Cho is who I send my customers when it requires outside the box thinking on the mortgage front but he can do it all. Great person, great company and great service....

Dustin Dumestre

Gus Cho and his C2C Lending team are true mortgage professionals. Clear, concise communication and reasonable expectations set from the beginning. They were a pleasure to work with throughout our loan process!

Jimmy Delafe

Excellent company to work with. I highly recommend it. Thank you very much

Jay Matthews, Sr

I have been working with Coast 2 Coast Mortgage Lending, LLC | Gustan Cho Associates, and I have been extremely pleased with my experience. Gustan Cho and his entire team have been phenomenal throughout this process. One thing that really stands out is their communication. They respond to calls and emails promptly, are always pleasant and professional, and take the time to make sure you understand what is happening throughout the mortgage process. They don’t just give you an answer, they explain things clearly and make sure you are comfortable with the next steps. Buying a home and going through the mortgage process can sometimes feel overwhelming, but having a knowledgeable and responsive team makes a huge difference. Gustan and his team have been patient, helpful, and committed to working through every step with us. I truly appreciate the level of service we have received and would highly recommend Gustan Cho and the Coast 2 Coast Mortgage Lending team to anyone looking for a mortgage company that communicates, cares about its clients, and works hard to get the job done. Five stars from us! ⭐⭐⭐⭐⭐

Blane

Where do I start… I don’t usually do reviews, but Alex Carlucci, Sr. Mortgage Loan Advisor is an absolute legend and a true gem for anyone looking to get into a mortgage. Alex is a great communicator who keeps you informed every step of the way, explains everything clearly without the jargon, and makes the whole process feel smooth and keeping a calm stress-free process. On top of that, his ability to close deals super fast is unreal, he moves with urgency and gets things done in record time without cutting corners. If you’re looking for someone who’s not only knowledgeable and easy to work with but also incredibly efficient at getting your mortgage closed quickly, Alex is the guy. HIGHLY, HIGHLY recommend!

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.

Get In Touch Today

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Let’s find the right mortgage solution for you. Call, text, or apply online today.

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(800) 900-8569

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