All About Borrower Review of Gustan Cho Associates

In this guide, we will discuss and cover the borrower review of Gustan Cho Associates. Reviews and testimonials are one of the most important factors in evaluating a mortgage loan originator. We get hundreds of borrower review of Gustan Cho Associates. We are honored by the number of positive borrower review of Gustan Cho Associates. The team at Gustan Cho Associates does everything we can for borrowers to give them a positive experience.

We will use one of our recent borrower review of Gustan Cho Associates to offer insights into how the mortgage team assists buyers facing credit, income, and approval challenges.

We get many borrowers who write us their experience at Gustan Cho Associates and want to share their mortgage process experience. In this guide, we will use a case scenario on how homebuyers come to Gustan Cho Associates. We will go over how Gustan Cho Associates can do mortgage loans that other lenders cannot do. 

How Gustan Cho Associates Can Approve Mortgage Loans Other Lenders Cannot

The home the homebuyer wanted to purchase is priced at $450,000. It is not that buyers wanted to purchase a higher-priced home, but because her family needed to live in an area where their children could remain in the same school district. Unfortunately, the lowest-priced home in the area she is looking for a home purchase is no less than $600,000.

Due to extenuating circumstances, the homebuyer needed to close on the home no later than late August. I calmed her down as much as I could. I was on the phone with her for well over an hour, looking at possible solutions to see if there was any way that our team of loan officers and I could help her. Her credit report had many loopholes, but I discovered her loan was doable.

Every Angle of the Mortgage Journey Was Explored

Basing a Mortgage Decision Solely on Credit Score is Inadvisable. Loan Officers Typically Evaluate Multiple Factors, including:

• Credit history and payment history
• Stability of employment
• Salary, as well as overtime, bonuses, and other types of income
• Self-employed income
• Monthly debt
• Payments on student debt
• Funds available to cover closing costs
• Gift funds
• Type of property
• Nature of occupancy
• Prior bankruptcies or foreclosures
• Recent delinquent payments
• Debt-to-income ratio
• Mortgage program
• The borrower noted that the team invested time in understanding the complete financial situation, rather than allowing a single issue to halt the process.
• The team distinguished itself by considering the overall financial profile rather than focusing on isolated setbacks.
• Regardless of loan type, including conventional, jumbo, or non-QM, their guidance was tailored to the borrower’s requirements.
• An experienced broker can help determine whether a new lender, an alternative loan program, manual underwriting, a larger down payment, increased savings, a non-occupant co-borrower, or additional time to address an issue is necessary.
• Options may be constrained by factors such as occupancy, income, credit, property characteristics, and loan program guidelines.
• It is essential not to misrepresent occupancy or borrower responsibility in an attempt to circumvent these requirements.

What is Gustan Cho Associates?

Gustan Cho Associates is a mortgage lending and mortgage education platform that currently does business as Coast 2 Coast Mortgage Lending, LLC, NMLS 376205. Mortgage licensing and program availability vary by state, loan officer, property location, and loan type. Applicants are advised to verify the licensing status of both the mortgage company and the mortgage loan originator prior to submitting confidential financial information.

Gustan Cho Associates Helps Borrowers Needing the Following Types of Residential Mortgage Financing:

• FHA loan
• VA loan
• USDA loan
• Conventional loan
• Jumbo loan
• Non-QM loan
• Bank statement loan
• Debt-service coverage ratio loan
• Loans for self-employed borrowers
• Loans for borrowers with a recent major derogatory credit event
• Manual underwriting
• Financing for Investment Properties
• Not all proNot every program is offered in every state, and all mortgage applications must go through underwriting.

Mortgage Scenarios Reviewed by Gustan Cho Associates

Gustan Cho Associates reviews many loans after a borrower has been denied by another lender. A denial from one lender does not mean a borrower will not qualify with another. Different lenders have different credit score requirements, debt-to-income ratios, and other restrictions.

A Second Review Might Show Whether a Denial Was Due to:

• A guideline from the agency
• A lender overlay
• Income calculation errors
• A debt that was not disclosed
• A problem with property eligibility
• Lack of sufficient documentation
• An issue with the appraisal
• Absence of a suitable loan program
• Employment or credit changes
• A new lender can’t ignore agency rules, but it might offer other programs or underwriting options that the first lender didn’t.

Lower Credit Score, FHA Loans

HUD allows maximum FHA financing for borrowers with a credit score of 580 or above. Those with scores between 500 and 579 may be offered a maximum loan-to-value ratio of 90%, meaning a 10% down payment. There is no FHA financing for borrowers with scores below 500. These are just the minimums for FHA programs, not automatic approvals. FHA loans aren’t guaranteed. Borrowers still need to meet property, income, debt, credit, paperwork, underwriting, and lender requirements.

Mortgage Applications with Higher Debt-to-Income Ratio

Many borrowers possess stable incomes and strong credit profiles but exhibit higher due to obligations such as student loan debt, car payments, credit cards, child support, homeowners’ property taxes, or homeowners’ insurance. The acceptable debt-to-income ratio varies by loan program, automated underwriting findings, and lender-specific criteria. While a high ratio does not necessarily result in denial, comprehensive documentation and a thoroughly prepared application are critical.

Manual Underwriting of Mortgage Loans

Automated underwriting systems do not approve all qualified borrowers. Certain applications to the FHA or VA may be processed through manual underwriting if the borrower cannot obtain automated approval. Manual underwriting involves a detailed review of payment history, housing history, savings, additional financial strengths, income stability, and recent credit activity. This process is not intended to circumvent program guidelines, but rather serves as an alternative approach for specific circumstances.

Mortgage Loans After Bankruptcy or Foreclosure

Bankruptcy, foreclosure, short sale, deed in lieu of foreclosure, or prior mortgage delinquency do not indefinitely bar anyone from purchasing a home.

Eligibility Depends On:

• The bankruptcy type
• Dates of filing, dismissal, and discharge
• Still being in a Chapter 13 repayment plan
• Housing event type and date
• Credit that has been re-established
• Recent payment history
• The mortgage program
• If manual underwriting or an exception is allowed
• Because waiting periods vary among FHA, VA, USDA, conventional, jumbo, and non-QM loans, borrowers are advised to have their complete eligibility timeline reviewed prior to initiating the homebuying process.

Self-Employed and Non-QM Mortgage Borrowers

Self-employed borrowers often struggle to qualify if their tax returns show significant business write-offs.

Depending on the Loan Program, Some Alternatives May Be:

• Personal bank statement loans
• Business bank statement loans
• 1099 income programs
• Profit-and-loss statement programs
• Asset-depletion mortgages
• Debt-service coverage ratio.
• Non-QM mortgages typically feature distinct requirements, interest rates, and documentation compared to standard loans.
• Non-QM mortgage loan products are not necessarily easier to obtain or more cost-effective work than standard loans.
• Non-QM loans aren’t always easier or cheaper to get.

What Does “No Lender Overlays” Mean?

A lender overlay is an additional requirement imposed by a lender beyond the minimum guidelines established by FHA, VA, USDA, Fannie Mae, or Freddie Mac.

Gustan Cho Associates says its business model is about connecting clients with lending partners who can offer government and conventional loans without extra restrictions.

For instance, the FHA allows borrowers with a credit score of 580 or higher to qualify for maximum financing. However, a lender may require a minimum score of 640 for their own FHA loans. The lender would be implementing a higher requirement than the FHA minimum for their loans.

The Lack of Lender Overlays Means That:

• Not every borrower will be funded
• There’s no disregard for agency guidelines
• Automated Underwriting Systems will be utilized
• There will be some level of income/assets verification
• Credit will still be reviewed
• There’s no blanket acceptance of all properties
• Rate and terms won’t be uniform across programs
• Just because a program is offered doesn’t mean that it is available in all states
• Borrowers still have to meet program and investor rules, plus the lender’s, property’s, and underwriting requirements.

How to Verify Gustan Cho Associates

Consumers are strongly encouraged to verify any mortgage lender, including Gustan Cho Associates, before sharing Social Security numbers, financial statements, or other sensitive information.

What Makes Gustan Cho Associates Different Than Other Lenders

It was not a rock-solid deal. However, on shaky high-risk borrowers, we always need plan B. After interviewing this borrower, we found Plan B and Plan C. So if Plan A does not turn out, we can proceed with either Plan B or Plan C. I issued the buyer a pre-approval letter today so she can enter into a real estate purchase contract.

Borrower Review Of Gustan Cho at Gustan Cho Associates

Borrower Review of Gustan Cho Associates and testimonials who share their experiences with us are priceless. Normally folks write us reviews when we close on their home purchase.  I was pleasantly surprised to get a review on YELP just a few minutes ago. Customer reviews are priceless, which motivates all of us to work harder. I am not mentioning this borrower’s name due to privacy reasons. I would tell her my staff and not let her and her family down. She is looking forward to closing her loan.

Message to All Mortgage Loan Officers

Not many people go through the mortgage process throughout their lifetimes. Over 80% of our borrowers have gotten a last-minute loan denial or cannot meet the closing date on their home loan closing. This is because their mortgage loan originator did not properly qualify their borrowers. Dale Elenteny, NMLS 904444 of Gustan Cho Associates explains overlays:

Lender overlays are mortgage requirements higher than the minimum agency guidelines of FHA, VA, USDA, FANNIE MAE, and FREDDIE MAC mortgage guidelines.

Borrowers may meet the agency guidelines of HUD, USDA, VA, USDA, Fannie Mae, or Freddie Mac but do not meet their company’s overlays. Overlays are mortgage lending requirements that each lender sets above and beyond the minimum mortgage guidelines that FHA, VA, USDA, FANNIE MAE, and FREDDIE MAC require 90% of lenders have overlays.

What Makes Gustan Cho Associates Different Than the Competition

Since the inception of Gustan Cho Associates, we have had a no-lender overlay on government and conventional loan business models. Tanhia Romero, NMLS 489750, a senior mortgage loan originator at Gustan Cho Associates and an associate contributing editor at GCA Forums Mortgage News says the following about lender overlays:

Lender overlays are additional guidelines above and beyond the agency guidelines of HUD, VA, USDA, Fannie Mae, and Freddie Mac minimum agency guidelines.  

For example, HUD, the parent of FHA, requires that for a borrower to qualify for a 3.5% down payment home purchase FHA-insured loan, they must have a 580 credit score. A lender may have FHA overlays on credit scores where they may require a 620 FICO for a 3.5% home purchase FHA loan. There are hundreds of different overlays lenders can implement.

Importance of a Mortgage Borrower Review

Choosing a mortgage company is about more than finding the lowest interest rate. Borrowers share personal financial details such as income, credit history, employment history, debts, and savings with their loan officer and mortgage company.

Reviewing Mortgages Can Help You Form an Opinion on How Companies:

• Answer initial queries and time taken
• Deal with complex credit and income
• Handle mortgage preapproval
• Set underwriting terms
• Deal with appraisal and title
• Set closing deadlines
• Adjust rates, fees, and terms
• Communicate post-application

Customer reviews can help you understand the quality of service, which is often hard to judge. However, reviews should not be your only basis for choosing a lender. The Consumer Financial Protection Bureau recommends getting Loan Estimates from several lenders and judging the mortgage officer by how well they answer your questions and meet deadlines.

What Was Notable in this Borrower Review of Gustan Cho Associates?

The Borrower Received a Fast Response

• The borrower shared that the team reached out quickly, a gesture that brought real relief during a tense and uncertain time in the mortgage process.
• Quick communication does not guarantee approval but it helps borrowers avoid problems with the purchase contract, financing contingency, rate lock, appraisal deadline, and closing date.

Business Platform at Gustan Cho Associates

Gustan Cho Associates is a real licensed mortgage broker and correspondent lender licensed in multiple states(48 states). We are not a lead generation company. An NMLS licensed experienced mortgage loan originator takes all phone calls from our website, Gustan Cho Associates.

All Incoming Calls That Come in are from Internet Shoppers:

If you do not pick up, they will go elsewhere. Most of our callers do not leave messages. If the caller hangs up too soon, the assigned licensed loan officer will call the loan applicant right back. There are times when our staff is at full capacity. If nobody is available to take the call, and if the caller has not been called post one hour, we set an alert that the caller needs to get called promptly. The longer it takes in returning a potential borrower’s call, the more likely you are you lost a potential client.

Case Scenario on Borrower Not Qualifying for a Mortgage

Let’s go over another case scenario. We work with every borrower. If the loan applicant had recent late payments and credit scores down to 500 FICO, we will help them with re-establishing their credit and boosting the credit scores for a mortgage approval.

• Say you get someone on the phone and find out they do not qualify.
• Do you hang up?
• Absolutely NOT.
• Our MLOs are trained to start a relationship with the borrower.
• Ask them questions.
• Take notes.
• Interrogate them nicely.
• Talk to them like a friend and make them feel comfortable with them.
• Do not talk first.
• Hear them out.
• If they ramble on another subject that has nothing to do with mortgages or the subject at hand, hear them out.
• A good solid initial phone interview may take 30 minutes or not more.
• It is your job to make them feel comfortable and trust you.
• All my borrowers become lifetime friends, and some work with me as loan officers. Lol.
• You need to understand these borrowers are trusting you with all of their financials.
• You have their tax returns, you have their W2s, you have their credit report, you have all of their asset accounts, and you know all of their financial and personal information.
• These folks are counting on you, and please do not let them down.
• I do not expect every loan officer under my wing to work 15-hour days, seven days a week, as I do.
• Still, your borrowers are entitled to superior service.
• Our team have multiple plans where if you are not available, the MLO can direct calls to the branch manager, or other mortgage loan originators on call.
• The branch manager takes over after-hours, weekends, and holidays. 
• There was a recent incident where a loan officer contacted a loan officer five times in one hour.
• The loan officer was bitching about the borrower.
• The branch manager was shocked and appalled and wanted to FIRE her on the spot.
• The branch manager did talk to the LO and told her nicely to ensure that does not happen again.
• There are always two sides to the story.
• However, the borrower is always right when it comes to borrowers.

Testimonial from Our Borrowers

We Like to Share Reviews from Our Clients at Gustan Cho Associates:

Where do I begin???? Gustan Cho is an AMAZING professional and human being!!! He has been able to do what other “professionals” are too lazy or unknowledgeable to do. At first, like many others, I was initially sceptical of the 80+ reviews I read. But I did my due diligence, took a chance, and sent him a message. Just like everyone said, he contacted me immediately.  We spoke for over an hour! At my most desperate hour, he was a pillar of strength! When I first spoke to him, I was literally in tears, and he had me laughing before we hung up the phone! He is extremely knowledgeable and hard-working. We had a unique financial situation and couldn’t get the proper help. But Gus was confident, quick, and reliable. He always called, texted, or emailed us promptly. He had an outstanding team of professionals that are available nearly 24/7!  And I swear he doesn’t sleep! Do yourself a favor and go to Google and read all his amazing reviews! I did, and now I can confirm they are spot on! Of course, NOBODY can have 100% excellent reviews because you can never always please everyone. There is always someone who will never be happy, even if you bend over backward. But Gus’ motto is “where there is a will. There is a way”! And if there is any glimmer of hope within reason, this man will help you! I will always be eternally grateful for his help and support! I told him he was a “miracle worker”!  He is an “angel from heaven”! God Bless Gus!

What is the Lowest Credit Score to Buy a House?

They may require a 640 credit score even though HUD Guidelines on credit scores is at 580 FICO. The borrower does not qualify with the lender the borrower went to. That lender has a higher credit score requirement than HUD Guidelines.

This higher credit score requirement is the lender’s credit score guidelines and NOT what HUD requires on FHA loans. So in the above example, the borrower may qualify for an FHA Loan with Gustan Cho Associates.

There are dozens of overlays that lenders can impose. The team at Gustan Cho Associates specializes in government and conventional loans with no overlays. No lender overlays on FHA, VA, USDA, and Conventional loans. Most loans at Gustan Cho Associates close in 21 days or less.

Check the Company and Loan Officer Through NMLS

With NMLS Consumer Access, it is simple to see a mortgage company’s, branch’s, and mortgage loan originators’ licenses and registrations.

Consumers May Look Up an Individual Loan Officer, a Company, a Mortgage Company’s Branch, or an NMLS Number by Entering a Name, City, or State.

You Will Need to Check

• Company name
• DBA or trade name
• Individual Loan Officer
• NMLS number
• State where the property is
• If the license is active
• The employment relationship in the record

Read Reviews on More Than One Platform

It is inadvisable to rely solely on reviews from a mortgage company’s website. Prospective borrowers should consult additional platforms such as Zillow, Trustpilot, and the Better Business Bureau for recent and comprehensive feedback. It is important to seek the most current information, as ratings and reviews may change over time.

Customer Review Should Mention:

• Loan type
• Obstacles experienced
• Consistency of communication
• Explanation of costs
• Funding the loan
• Closing of the loan
• How/When issues were resolved
• Transaction date

Evaluate Loan Estimates

A positive review doesn’t always mean a lender has the best rates or terms. Lenders must provide the same Loan Estimate, making it easy to compare rates, payments, and closing costs. 

To Obtain the Best Estimates, Ensure Loan Offers are Based on the Same:

• Loan type
• Loan amount
• Down payment
• Rate-lock
• Occupancy
• Property type
• Credit profile
• Purchase price
• Loan Estimates reflecting different loan programs or rate-lock terms should not be directly compared.

Questions to Consider When Selecting a Mortgage Company

Prior to engaging with Gustan Cho Associates or any mortgage company, prospective borrowers should ask the loan officer the following questions:

• What is your NMLS number?
• Are you licensed in the state of my purchase or refinance?
• In my transaction, are you a mortgage broker, lender, or a correspondent?
• Which loan program are you proposing and why?
• Are there any overlays from the lender on my file?
• What income verification will be needed?
• What assets and reserves will I need to show?
• Is the interest rate locked in?
• How long is the lock?
• Are discount points covered?
• What are the expected lender, broker, underwriting, and all third-party fees?
• What hurdles will there be to obtaining final underwriting approval?
• Who will be the one to give periodic status updates during the processing and underwriting?
• Is the suggested closing date obtainable?
• What would the next steps be if the initial loan proposal doesn’t end up working?
• A competent loan officer will outline the advantages and disadvantages of an application, but will not underwrite the file or guarantee approval.
• The mortgage application is completed, and a credit report is authorized before the loan officer reviews it and assesses program eligibility.

Document Review

• Documents may include, depending on the program, pay stubs, W-2s, tax returns, bank statements, identification, bankruptcy and divorce documents, retirement award letters, business documents, and other necessary documents.

Preapproval Review

• For preapproval, the lender will carefully review your credit, income, debts, assets, and likely payment on the property.
• Preapproval isn’t a loan commitment and still depends on underwriting and property approval.

Processing and Underwriting

1. The processing team verifies documentation, retrieves necessary third-party services, and prepares the application for underwriting.
2. An underwriter may give conditional approval, accompanied by a request for additional documentation or clarification.

Appraisal, Title, and Insurance Review

• A property must meet all appraisal, title, insurance, occupancy, and program requirements to be eligible.
• Even a strong borrower can’t get around an ineligible property.

Final Approval and Closing

The lender may give a clear-to-close once all underwriting conditions are met. The borrower then reviews the Closing Disclosure, verifies required funds, signs the final loan documents, and completes the transaction.

Who Should Schedule a Mortgage Review with Gustan Cho Associates?

Scheduling a Mortgage Review with Gustan Cho Associates is Recommended for Individuals in the Following Categories:

• First-time homebuyer
• Homebuyer who has been denied a mortgage by another lender
• Homebuyer with a less-than-average credit score
• Homebuyer with a poor debt-to-income ratio
• Veteran seeking a VA loan
• Veteran seeking an FHA loan with manual underwriting
• Borrower in Chapter 13 Bankruptcy, or have you completed your Chapter 13 Bankruptcy?
• Homebuyer who has completed a Chapter 7 Bankruptcy
• Homebuyer with a foreclosure or a short sale
• Homebuyer who is Self-Employed
• Homebuyer who is a Real Estate Investor
• Non-QM borrower
• Homebuyer with an FHA loan
• Homebuyer with a commission, overtime, bonus, or fluctuating income
• Homebuyer with a non-traditional loan
• Homebuyer with a non-traditional home
• You are not required to move forward after the consultation.

Who Should Continue Searching for Comparison from Multiple Mortgage Providers?

Shopping Around for a Mortgage is Advisable When:

• Approval is claimed to be guaranteed;
• No NMLS is provided;
• Rates and fees are not disclosed;
• The offered program is not in line with the borrower’s objectives;
• Borrower is pressured to proceed;
• Loan Estimate changes from the initial dialogue;
• Questions are ignored;
• Occupancy/income is misrepresented;
• No licensing exists in the property’s state;
• Better terms and Borrowers’ objectives should remain the primary consideration.
• Individuals are entitled to ask questions, compare options, and select the company that provides optimal financing, transparent costs, effective communication, and a positive experience.

Criteria for Assessing Mortgage Provider Evaluations

• Mortgage provider evaluations are more useful when precise information is provided and less useful when they are broad and generic.
• Helpful evaluations discuss the type of loan, the borrower’s challenges, the quality of communication, the length of the process, the closing, and how the lender handled unanticipated issues.
• Be sure to check the date, as older evaluations may refer to staff who are no longer with the company and may reflect changes in technology, licensing, and lending relationships.
• Achievement of a closed loan for the borrower is the most useful benefit of the evaluation, so be sure to separate borrower evaluations from those of employees, recruiters, real estate agents, and business partners.
• It is important to consult multiple sources when evaluating mortgage providers.
• A company’s testimonial page typically features only approved reviews, whereas independent review sites offer a more comprehensive perspective. However, no single review platform is without limitations.

Final Thoughts on Borrower Review of Gustan Cho Associates

• This review highlights the team’s clear communication, easy access, strong mortgage expertise, and genuine dedication to helping borrowers through tough financial situations.
• These strengths are especially helpful for borrowers who have been denied by other lenders or who face challenges with credit, income, debt, or property.
• Still, one review is just a starting point.
• Check NMLS Consumer Access, read other customer reviews, ask detailed questions, and compare official Loan Estimates before deciding.
• Prospective borrowers are encouraged to thoroughly explore available options.
• Gustan Cho Associates may provide a fresh perspective on mortgage scenarios.
• A consultation can reveal alternative loan options, clarify required documentation, and identify potential challenges.
• Approval is not guaranteed, and there is no obligation to proceed following the consultation.
• All loans are subject to the borrower’s situation.
• Terms and conditions may change without notice, and not all products are available in every state or to every borrower.

The First Mortgage Meeting

This is the initial meeting to go over all the important details and decide on the next steps for your refinance or purchase. You’ll discuss factors such as property type, income, job history, credit, debts, available funds, and any past financial issues.

Testimonial From a Recent Loan Officer at Gustan Cho Associates

Not only do we get thousands of borrower reviews of Gustan Cho Associates, but we will also get positive reviews from our loan officers. The team at Gustan Cho Associates has an unconventional management system. The best way to explain it is to read the most recent testimonial from the newest loan officer who joined our team. Here is a testimonial from Wendy:

Please accept this letter as a personal testimonial for Gustan Cho and Gustan Cho Associates. Although Gustan Cho Associates get thousands of borrower review of Gustan Cho Associates, I like to give a testimonial on how it has been a Godsend working for Gustan Cho Associates.  I feel that sharing this with you will be clear and undeniable proof of not only Gustan’s character but the type of leader he truly is.  When I decided to move my family from upstate New York to Las Vegas in May of 2022, I knew that starting a new career was inevitable. 

I have 20 years of finance and general management experience within the automotive industry, but the instability of the current market made me decide on a career change. The vast majority of my experience was as a General Manager of a Multi Franchise Auto Group. I pride myself on being a leader, someone who will not ask an employee to do something that I could not do myself, as well as building camaraderie and unity amongst my staff.

Upon choosing to venture into the world of Mortgages, I started to research the process of becoming licensed as well as places that I felt would be a good fit for me to work at.  I reached out to Gustan Cho in May, and explained that I was not licensed yet but explained my intentions. Instead of deterring me he openly offered for us to remain in contact throughout my licensing process.

My family moved to Las Vegas August 1st 2022.  I immediately registered for my test and thought it was a good time to reach back out to Gustan Cho. Knowing that the licensing process could take months in Nevada, he still took the time to offer any guidance and advice to help prepare me for the exam.  I passed the test and was ready to apply for my license. Before I applied, Gus wanted to make sure that I made the best decision for my family. 

Gustan Cho lives by the motto “ I’m not going to tell you what to do and if you have 1 percent doubt, I want you to look elsewhere”.  He went one step further and arranged a meeting with another company here in Las Vegas to ensure I do my due diligence.  Never once did he try to “sell” me. He truly cared about the well being of me and my family.  After the meeting he set up for me, and also talking to other Mortgage professionals, one thing was clear. 

There was no one I’d rather work for than Gustan Cho of Gustan Cho Associates. When I called Gustan Cho to give him my position, he felt it necessary to confirm and make sure I had no doubts.  He then went above and beyond to help me through the licensing process and I was on my way to being part of GCA.  I could write a Novel about Gus and my relationship with him.  But in short I will sum it up.  Gus is not only a Branch Manager, Team Leader, and Friend- Gus has become part of my family! 

The relationship we built both professionally and personally will go on forever.  How many employers will pick up an employee’s son at a train station and entertain him for 6 hours? I know one Gustan Cho. Everything that Gus has promised to my family has come to fruition and he is a true man of his word. 

Gustan Cho prides himself on his name and character. Wealth can be defined in a multitude of ways, but “character is power; it makes friends, draws patronage and support and opens the way to wealth, honor and happiness”.   That quote could not exemplify Gus any better. In conclusion I fully believe that there is NO better leader than Gustan Cho, and I consider my family and I blessed to have Gus in our lives.  With the utmost respect and honor.

Stress During the Mortgage Process

The mortgage process does not have to be stressful. Most loans at Gustan Cho Associates close in 21 days or less. Below is our streamlined mortgage process at Gustan Cho Associates.  Johnny Burke, Owner and President of American Dream Realty Services, a regional real estate brokerage with offices in 12 states, says the following:

The mortgage process can be extremely stressful, but it does not have to be. Mortgage Loan Applicants can see this by reading the Borrower Review of Gustan Cho.

Choosing a loan officer to get along with is one of the most important decisions in the home-buying process. Borrowers need to get along with their loan officers, and loan officers need to be available at all times, including evenings, weekends, and holidays.

Why Choose Gustan Cho Associates

All the loan officers at Gustan Cho Associates must be available seven days a week, evenings, weekends, and holidays to answer any calls from their borrowers. Mortgage loan officers need to understand that borrowers depend on them. It is not much to ask to ensure that you return their phone calls or email messages and answer any questions they may have. I launched our website, Gustan Cho Associates, ten years ago.

Staff at Gustan Cho Associates

We have thousands of positive borrower reviews of Gustan Cho Associates from all sections of the nation. Our staff is trained to offer information and option to any of our viewers and should not be under any obligation to go with us as their lender.

Gustan Cho Associates is a DBA of Coast 2 Coast Mortgage Lending, LLC, NMLS 376205. It is the consumer’s responsibility to verify the company, branch, loan officer, and state with the NMLS prior to an application. 

Home Buyers who have any questions on any loan program, please do not hesitate to contact us at 800-900-8569 or text us for a faster response at 262-716-8151, Or email us at gcho@gustancho.com. The team is available evenings, weekends, and holidays seven days a week. 

Borrower Review of Gustan Cho Associates FAQs

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Editorial Disclosure:

This guide is published by Gustan Cho Associates and comprises a review from a borrower. This is not a review or ranking from a 3rd party. Mortgage approval is dependent on the borrower’s individual circumstances and is not guaranteed, nor are costs, rates, programs, or closing. Reviews from past customers are not indicative of future customer experiences.

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