Gustan Cho Associates is a national mortgage company licensed in multiple states with no lender overlays on government and conventional loans

About Us

Gustan Cho Associates are mortgage brokers licensed in 48 states
This Article Is About Us at Gustan Cho Associates: We Are A National Mortgage Company Licensed In Multiple States With No Lender Overlays On Government And Conventional Loans:

Gustan Cho Associates is a national five-star mortgage company licensed in multiple states with no lender overlays on government and conventional loans. The team at Gustan Cho Associates has experienced exponential growth since 2012 due to its no lender overlay business model on government and conventional loans. We have a national reputation for being a one-stop mortgage shop due to not just offering traditional government and conventional loans but also offering dozens of non-QM mortgage programs. The reason why the team at Gustan Cho Associates is so successful is due to all of our associates being available and hands-on with our clients and realtor partners 7 days a week. Most mortgage borrowers, realtors, and loan officers do not know that a national one-stop mortgage company like Gustan Cho Associates exists.

Our borrowers are not the only folks who appreciate Gustan Cho Associates as being the top mortgage company in the nation.  But so do all of our mortgage loan originators, office personnel, underwriters, support, and operations personnel. The average loan officer at Gustan Cho Associates has been with the company for 5 years. That says a lot.

The Team At Gustan Cho Associates

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Gustan Cho NMLS 873293  is the National Managing Director of Gustan Cho Associates. Our team of licensed mortgage loan officers and support staff is experts in originating and funding loans with no lender overlays. Over 75% of our borrowers represented are folks who contact us because they either got a last-minute loan denial or were going through major stress with their original lender. That is because of one reason and one reason only. The loan officer did not properly qualify the borrower or because the loan officer was not familiar with their lender overlays. The team at Gustan Cho Associates close most loans close in 30 days or less.

Loan Scenario Help Desk

Gustan Cho Associates is a national mortgage company licensed in multiple states with no overlays on government and conforming loans:

  • Our team of veteran mortgage professionals is ready to answer any questions home buyers or homeowners with mortgage inquiries
  • The mortgage industry is so complex with new regulations that are constantly changing
  • With new rules and regulations is being implemented, our licensed and support staff always keep updated with the most recent agency mortgage guidelines to better serve our clients
  • There are countless homebuyers, homeowners needing refinancing, real estate investors needing financing
  • Investors seeking financing often go to a lender
  • Many times they are told that they do not qualify for a loan
  • Many times, the lender they go to do not educate or take the time with potential borrowers
  • Oftentimes, lenders may not qualify them
  • However, there are other companies out there that the mortgage loan applicant may qualify

Our goal at Gustan Cho Associates is to inform the public that if there is a will, there may be a way and create a one-stop-shop mortgage and real estate online community. That is why Gustan Cho Associates was created and launched.

About Us: Our Mission At Gustan Cho Associates

Mortgage Programs And Guidelines

Gustan Cho Associates Mortgage & Real Estate Information Resource Center is a subsidiary of Gustan Cho Associates. Its mission is to offer the latest news and opinions of real estate and mortgage industry experts on real estate, credit, and lending-related topics. The real estate and mortgage industry has gone through major changes since the Great Recession of 2008. New regulations and lending guidelines were created and implemented. This was often confusing even to those who are real estate and mortgage professionals.

About Us At Gustan Cho Associates: Our Mission To Educate Consumers On Mortgage Programs And Guidelines

Even though Gustan Cho Associates is a mortgage company knowns for not having any lender overlays on government and conventional loans, we are different than other lenders. Our goal and mission are to educate and inform borrowers about the various loan programs available. We also educate and inform consumers through our blogs and videos about the basic agency mortgage guidelines. We have thousands of blogs written by reputable real estate and mortgage professionals. Gustan Cho Associates Mortgage & Real Estate Information Resource Center will often publish publications and blogs by experts such as the following professionals:

  • mortgage consultants
  • real estate agents
  • real estate attorneys
  • title officers
  • insurance agents
  • home inspectors
  • contractors
  • other professionals

The articles written and published on Gustan Cho Associates Mortgage & Real Estate Information Resource Center are sole opinions of the author

  • We cannot attest to the accuracy and validity of the content
  • Readers should not construe as 100% accurate
  • Solicitations by our writers and guest writers are not permitted
  • Our mission is to educate the general public about real estate and mortgage-related topics to make their home buying or refinance experience less stressful
  • Consumers should always shop for real estate and mortgage services
  • They should not just decide to go with the first real estate and/or lending company they consult with
  • Please subscribe to our residential mortgage Newsletter
  • Feel free to write us or contact us on topics that you would like to request to be written on our Blog

Thank you for visiting the About Us section of Gustan Cho Associates Mortgage & Real Estate Information Resource Center

Equal Housing Lender
Equal Housing Lender

Gustan Cho Associates publishes the opinions of experts to better inform public consumers. Our goal is to ultimately inform consumers when shopping for a mortgage loan.

The content on this website is solely the opinions of the author. Associate contributing editors at Gustan Cho Associates may or may not be licensed mortgage professionals. Under no circumstances is anyone allowed to quote rates and terms or solicit consumers unless they are licensed loan originators and licensed in the state where the borrower is applying for a mortgage. Gustan Cho Associates.

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    1. We are currently not licensed in North Carolina but will be soon. I can refer you to someone who can help you if you need a lender right away. Please reach out to us at

    1. Yes, we are licensed in the state of Tennessee. Please reach out to us at or call us at 262-716-8151. Or text us for a faster response. Looking forward to working with you and your family.

  4. Found you online and seems like you could be of great help to me, are you licensed in Delaware and, or Pennsylvania?

    1. We do intend in getting licensed in Oklahoma but as of yet we are not licensed in Oklahoma

    2. We do intend in getting licensed in Oklahoma but as of yet we are not licensed in Oklahoma. However, if you need someone to help you, we can refer you to one of our outside associates.

  5. I have been in real estate for 16+ years in Austin Tx, I am looking to buy a home for myself, however, my credit is not the best, the only negative marks on my credit are medical collections, I think my credit is at 605-610

    I would love to qualify for a loan that has a higher loan limit as the house I’m looking at is $475,000.

    1. Unfortunately, we are not licensed in Massachusetts. However, if you email us your contact information at, we can refer you to an associate licensed in Massachusetts.

  6. I recommend you file bankruptcy. Most regulators will require you to either pay outstanding collections and charged off accounts or file bankruptcy. Judgments need to be settled or paid. Or 50% down payment and enter into a payment agreement.

  7. Good afternoon Gustan,

    Hope you are well. We are looking to apply for a mortage loan and while we meet most requirements (down payment, credit score, debt to income ratio) my husband a Portuguese citizen and had to wait for his green card to arrive in order to work so he does not meet the 2 year requirement. He has a 9 month work history and I’m wondering if we could take both our incomes into account. I’d be happy to further discuss this with you over the phone should you have the time. Let me know your thoughts.

    Have a great evening

  8. I am permanently disabled, I am an insured driver, had a car accident 4 years ago and I am being sued. My insurance company is handling this .. are my assets protected because of the total disability…or will this prevent me from getting a mortgage loan? My only household incomes are social sec and disability,

  9. I have been reviewing your website in regards to Home Loans and being able to finance when others cannot.

    We are currently trying to get a Loan Modification on our mortgage. We have a current Chapter 13 in which the mortgage was granted a relief from stay due to payments missed.

    We do have equity in our home and I would like to refinance and take cash out to pay off the entire bankruptcy.

    Is this something you would be able to help with?

    Sarah Petty

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