Gustan Cho Associates and Subsidiaries

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Gustan Cho Associates and Subsidiaries: A Look at Our Company and Subsidiaries

What We Do: Mortgage Banking and Financial Services

Gustan Cho Associates and subsidiaries is a Wyoming Corporation, started with a simple goal, mission, and foundation of being able to approve mortgage loans other lenders cannot and with the following mission statement:

Gustan Cho Associates and Subsidiaries was developed, created, and launched to help consumers realize the dream of homeownership become a reality with the best possible terms and most competitive rates.

The founders and senior management team at Gustan Cho Associates and Subsidiaries foundation is based to have a one-stop lending portal network making Gustan Cho Associates consist of multiple wholly-owned subsidiary companies where consumers do not have to go elsewhere to get the best mortgage option, the best terms and most competitive rates. At Gustan Cho Associates and its wholly-owned subsidiary companies, consumer will find anything and everything that related to business, commercial, residential lending and residential, investment, and commercial real estate.

Gustan Cho Associates and Subsidiaries

The Founders and Management at Gustan Cho Associates goal, mission, and foundation was for consumers to realize that Gustan Cho Associates and Subsidiaries is a one-stop shop mortgage and real estate think thank where once you visit our main site, Gustan Cho Associates, you had everything you ever need or will need from residential to commercial loans, lowest discount mortgage shops, to alternative and non-QM mortgage brokerage shops, and everything in between. With this mission and path in mind, Gustan Cho Associates has the following wholly-owned subsidiary companies, all under one roof and team:

As our reputation for finding solutions grew, so did we, expanding into new subsidiaries to serve a wider range of needs in the mortgage and real estate world. In the following sections, you’ll discover how our services and specialized teams support borrowers from all walks of life.

Mortgage and Real Estate Services Offered By Gustan Cho Associates

We believe homeownership should be within everyone’s reach. That’s why our subsidiaries offer a wide variety of loan options, from conventional and government-backed loans to flexible non-QM and equity products. Even if you’ve faced credit challenges like bankruptcy or foreclosure, we’re here to help you find a path forward. WYC LLC leverages Wyoming’s powerful privacy protections and robust asset safeguards, as well as its flexible, cost-effective corporate environment. It’s no wonder so many financial firms choose Wyoming, drawn by its minimal reporting requirements and lower costs of doing business.

Corporate Structure of Gustan Cho Associates and Subsidiaries

As the parent company, Gustan Cho Associates brings together our mortgage banking, real estate, and business services subsidiaries under one roof. This structure allows each brand to shine in its specialty, while we streamline administration, compliance, and quality control. By keeping our business lines distinct, we remain nimble, manage risk effectively, and empower every subsidiary to excel in its core areas of expertise. Stay flexible, and let each subsidiary focus on what it does best.

Wyoming’s corporate laws provide companies like Gustan Cho Associates with strong owner protections, enhanced privacy, and a state corporate income tax exemption.

These benefits make Wyoming an ideal location for mortgage banking, particularly for firms licensed in multiple states. When buying a new home, they often relocate to a different town, county, or state. This transition involves learning about a new community and finding local businesses, services, and essential resources.

This summary now gives a more complete overview with the extra information included.

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Nexa Mortgage, Gustan Cho Associates, and GCA Forums Powerhouse Review

Parent Company: Nexa Mortgage, LLC

Company Profile

Company NMLS: 1660690
Year Established: 2017
Main Corporate Office: 5559 S Sossaman Rd, Building 1 #101, Mesa, AZ 85212)
Business Sector: Mortgage Brokerage And Correspondent Lender (Largest in the U.S.)
Operating Territories: 49 states (No coverage in Massachusetts and New York)
Staff Count: 2,400+ Employees, 2,385 Sponsored Loan Officers (about 1,845 active)
Company Production: $6.29 billion in mortgage loans for 2023
State Principal Licenses: AZMB-0944059, CA#60DBO89752, FL#MBR2972, ID#MBL-2081660690, MT#1660690, OR#ML-5796, WA#MB-1660690

Executive Team – NEXA Mortgage Corporate

Mike Kortas NMLS 250967– Chief Executive Officer, Co-Founder (NMLS: not available) | Principal Owner (50.5%)
Jason duPont NMLS 1563078 – Chief Operating Officer, Executive Partner
Geri Farr – Chief Growth Officer
Tammy Richards – Chief Strategy Officer
Rana Mortensen – Administrative Officer (previously Executive Assistant)
Von Maharaj – Chief Financial Officer (previously Controller at Homespire Home Loans)
Chris Porter – General Counsel
Dan Fouts NMLS 1269733 – Leader, LOS Team
Brett Weiss NMLS 227468– Career Builder
Richard Harte NMLS 864315 – NEXA Academy Director (Broker Training)

Leadership Note: Mat Grella, former Co-Founder and President with an operations focus, departed in early 2024 during buyout discussions.
Mike Kortas currently holds full operational authority.

Corporate Business Structure

Principal Model: A pure mortgage broker functioning with wholesale lender partnerships
Compensation Ceiling: Up to 2.75% yield spread premium, compared to the 6-8% average backend compensation for mortgage bankers.
Main Wholesale Partner: United Wholesale Mortgage (the largest mortgage lender in the nation)
Related Entities:
- AXEN Mortgage LLC (non-delegated correspondent lender, DBA of NEXA; currently being merged back for clarity)
- Charter flight business

NEXA’s Unique Compensation Structure

NEXA100 Program: Provides for loan originators to retain 100% commission splits
No Per-File Charges: No hidden fees.
Daily Disbursements: Revenue-sharing payouts are now processed daily.
Objective: Double the number of loan officers by 2027.

Gustan Cho Associates And Subsidiaries – PREMIER DBA ENTITY OF NEXA LENDING

Organizational Layout

Corporate Title: Gustan Cho Associates (DBA of NEXA Mortgage, LLC)
Branch NMLS: 2315275
Regional HQ (hEADQUARTERS): Gustan Cho Associates and Subsidiaries: 999 Oakmont Plaza Drive, Suite 600, Westmont, IL 60559 (Moved From This Location 17W662 Butterfield Road, Suite 305, Oakbrook Terrace, IL 60181)
States of Licensure: 48 states, including Washington D.C., along with Puerto Rico and the U.S. Virgin Islands (MA & NY are in the pipeline)
Regulatory Authority: Illinois Department of Financial and Professional Regulation (IDFPR)

Top Management – Gustan Cho Associates

Executive Team:

Gustan Cho (NMLS 873293)

National Managing Director and Branch Manager
Founder and visionary
Specialist in hard-to-place loans
Expertise in 500 FICO scores, high DTI, bankruptcies, foreclosures, and non-QM
Over 80% of borrowers are folks who could not qualify or got denied for a loan at other mortgage companies
Email gcho@gustancho.com
Phone: 262-627-1965 (best contacted via text)

Marga Jurilla

Executive Vice President and Chief Operating Officer
Second in command
Responsible for HR, employee promotions and terminations, employee licensing, compliance, and personal, business, and corporate matters
Email: marga@gustancho.com

Sapna Sharma

Chief Technology and Digital Marketing Officer
Responsible for all subsidiary company websites and platforms
Responsible for SEO, digital media, technology systems, and management of contractors and vendors
Email: sapna@gustancho.com

Angie Torres

National Operations Director
Responsible for all Support and Operations in 48 states
Responsible for Support personnel and Wholesale/Correspondent Lending Partnerships
Emails: angies@gustancho.com, atorres@nexamortgage.com

Senior Loan Officers:

Alex Carlucci (NMLS 229891) – Senior Loan Officer and Regional Manager
Dale Elenteny – Senior Loan Officer and Area Manager (manual underwriting, high DTI, and low FICO expert)
Michael Gracz (NMLS 1161202) – Senior Mortgage Loan Originator (Chapter 13 bankruptcy specialist and award-winning blogger)
John Strange – Senior Loan Officer (specializes in VA loans)
Sonny Walton – MLO and Real Estate Broker, Houston, TX

Wholesale Lender Network

Business, Commerical, and Residential Wholesale and Correspondent Lending Partners
More than 280 active wholesale lender partnerships (numbers differ by source, suggesting active scaling)
Availability to all mortgage products offered in marketplace
Lack of lender overlays on government/conventional loans

What Makes Gustan Cho Associates Different Than Other Lenders

National All-In-One, One-Top Shop Mortgage Broker and Correspondent Lender

Gustan Cho Associates and its wholly-owned subsidiary companies has the coverage (licensed in 48 states, including Washington, DC, Puerto Rico, and the U.S. Virgin Islands)
We have thousands of business, commercial, and residental mortgage loan programs which includes traditional, non-traditional. and alternative lending options: Ir a mortgage loan program exists, you can rest assured Gustan Cho Associates or its subsidiary companies offers it.
Gustan Cho Associates and its subsidiaries has the most competitive and best terms on every loan option it offers.
The team at Gustan Cho Associates and its subsidary companies is available 24 hours a day, including late evenings, weekends, holidays to communicate with borrowers, fellow loan officers, staff (support, operations, and licensed personnel), and third-party professional and vendors via call, text, email, or GCA Forums (national private and public online community)

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No Lender Overlays On Government And Conforming Mortgage Loans

What Are Lender Overlay?

Overlays are additional constraints that lenders impose on top of the guidelines established by the agencies (FHA, VA, USDA, Fannie Mae, Freddie Mac).

Why Gustan Cho Associates: Our Mission, Platform, And Foundation

Our national wholesale lending partnership and network are with premier wholesale financial institution where their lending platform is based with agency guidelines and zero lender overlays.
A large percentage of our borrowers are folks with credit scores down to 500 FICO.
Over 80% of our borrowers are folks with the following reasons:
- Borrowers who did not qualify or approved at other lenders;
- Borrowers who got a last-minute mortgage loan denial.
- Borrowers who could not find the mortgage loan option that best served them.
Our top priorrity at Gustan Cho Associates is:
We Don’t Just Close All Our Pre-Approved Borrowers, But We Close Each Loan One Time And Always Oversea Our Client Commits To A Mortgage Loan Product With The Best Rate and Term.
Our Commitment and Mission that Communication Is Key: Our support and licensed personnel is available 24/7 including late evenings, weekends, and holidays.

Real-World Impact:

FHA Loans: HUD, the parent of FHA, requires a minimum credit score of 580 FICO for a 3.5% down payment FHA loan with a 46.9% front-end and 56.9% back-end DTI.
Borrowers with credit scores under 580 and down to 500 FICO are eligible for an FHA loan with a 10% down payment.
VA Loans: VA mortgage loans has no minimum credit score requirements, VA loans with many of them with credit scores down to 500 FICO.
VA home loans has no maximum debt-to-income ratio cap, and no maximum loan limit.
The team at Gustan Cho Associates has originated, closed, and funded thousands of mortgage loans that other mortgage companies could not approve due to low credit score, bad payment history, high debt-to-income ratio, or for other reasons..
Other mortgsge companies generally necessitate a FICO score of 640 or higher, a lower DTI, upfront points, and months of reserves.

Huge Network of Wholesale Lenders

Network of over 280 financial institution which includes wholesale lenders, hedge funds, major insurance companies, and private investors enables Gustan Cho Associates and subsidiaries for the following:

Find the optimal solution for every loan.
Offer unique non-QM products that could not be obtained otherwise.
Capitalize on lenders’ sweet spots for a given borrower profile.

Our Compensation Model: The Broker Compensation Model = Better Pricing

Maximum corporate compensation for NEXA = 2.75% yield spread premium (BY LAW)
Typical mortgage banker: 6-8% compensation on the backend
Mortgage Rates For Borrowers: The higher the compensation for the mortgage company, the higher the rate passed on to the consumer.
Consequently, borrowers are charged higher rates by direct lenders and mortgage bankers vs mortgage brokers and correspondent lenders because of the difference.on the lender compensation (6% to 8% or higher direct lenders pad their compensation YSP on the back end versus the maximum 2.75% mortgage brokers are capped on each loan transaction).
Outcome: Competitors are undercut by rates that are as low as possible.

More Traditional Niche, Non-QM and Alternative Lending Options

Traditional Conforming Government and Conventional Loans(No Overlays):

500 to 579 FHA loan FICO (10% down) 580+ FICO (3.5% down)
VA loan 500 FICO, 60%+ DTI
No overlay USDA loans
Conventional loans: Standard agency guidelines
All-in-One Mortgages: Merged mortgage/HELOC products
FHA 203k Loans: financing for renovations
Reverse Mortgages

Specialized Non-QM Programs

Bank Statement Loans: For the self-employed (12-24-month statements)
Asset Depletion Loans: Qualify based on your liquid assets
No-Doc Mortgages: Less paperwork
P and L Statement mortgage loans
Super Jumbo Loans up to $5 million
ITIN Loans: For foreign nationals without an SSN
DSCR Loans: Debt Service Coverage Ratio for investors
Condotel Financing: Non-warrantable condos
Non-QM One Day Out: recent Bankruptcy/foreclosure (no waiting period)
Fix-and-Flip Loans: Short-term financing for investors.
Late Payments Accepted: Non-QM with recent late payments (past year)
10% Down Jumbo Loans: Credit scores as low as 660 FICO (traditional), 500 FICO (non-QM)

During Active Bankruptcy:

FHA/VA loans DURING Chapter 13 repayment (other lenders necessitate discharge)
Cash-out refinance while in Chapter 13 Bankruptcy

Commercial & Business:

SBA loans
Commercial real estate loans
Business lines of credit
Equipment financing
Construction
Hard Money Loans
Factoring

Manual Underwriting Expertise

Mastery of manual underwriting for when automated systems say no
Specialists in high DTI (60%+)
Specialists in low-credit-score compensating factors.

The Importance Of Communication: 24/7 Service

Open 7 days a week, including holidays and evenings
Loan Officers Accessible via Cell Phone
Texting for Quicker Replies
This alleviates the biggest source of stress: a lack of Communication and Accessibility.

GCA FORUMS POWERHOUSE-Exceptional Online Community

What GCA Forums Offers

GCA Forums (gcaforums.com) is a nationwide hub for ideas, a think tank, and a resource center that goes beyond a typical mortgage forum.

Platform Overview

Three-Tiered Structure
Tier 1: Public Forums (Free Membership)

Available to all approved users
311 public forums encompassing nearly all subjects
2,793 discussions in total
9,701 total messages
1,109 users
3,340 tags in discussions

Tier 2: Executive GCA Forums Members

Members of the real estate, mortgage, and housing sectors
Field specialists
Sponsored and approved by GCA management
Entry to tailored professional networking groups

Tier 3: GCA FORUMS Mortgage Group

A fully owned subsidiary of Gustan Cho Associates (NMLS 2315275)
Mortgage brokerage division that is fully licensed
Complete lending services

Forum Categories – Comprehensive Coverage

Mortgage and Real Estate Forums (879 subjects)

Government mortgages (FHA, VA, USDA)
Conventional mortgages
Non-QM programs
Credit repair tips
Underwriting assistance
Training for loan officers

Commercial Loan Forums (48 topics):

Business Loans
SBA Loans
Commercial Mortgages
Business Financing

Foreign Nationals Forums (25 topics):

Mortgages With ITIN
Financing for Non-Residents

Geographical Forums (180 topics):

Financing by State
Financing by Local Market
Financing by Region
Local Market Regulation

General Forums (1,026 topics):

Managing finances
Rebuilding credit
Investing in real estate
Opportunities in business
Developing a career
Additional topics include pet adoption and various aspects of daily life.

News Forums (526 topics):

Updates in industry
Changes in regulations
News about the market
News for the day

Unique Features That Set GCA Forums Apart

A. NOT a Lead Generation Company

Most mortgage/real estate sites will SELL you leads.
Unlike lead-buying companies, GCA Forums is a licensed lender with NMLS-licensed loan officers.
The platform ensures the confidentiality and security of user leads.
Real professionals, not hired lead buyers.

B. Articles by Real Experts

NOT hired bloggers.
Articles are authored by experienced mortgage and real estate professionals.
Many years of real experience.
Content is based on facts, not marketing materials.

C. All-in-One Resource Center
Classes: Post and browse ads for services, real estate, and job opportunities
Business Listing: Business Directory to post and network with businesses nationwide
Calculators: Comprehensive mortgage calculation tools

Ask An Expert: Talk to industry experts
AI Mortgage Assistant: Instant answer AI chat
Member Groups: Loan Officers, Realtor Partners, Dual-Licensed MLO, Credit Repair
Podcast Access: Updates on industry, regulations, and trends
Newsletter: Weekly blog roundup
Job Board: Open positions in mortgage/real estate
Educational Videos: Training videos on YouTube

D. Active Moderation & Quality Control

Moderators are industry veterans.
Contributing editors are industry top achievers.
Branch managers, CEOs, multi-million dollar producers
Licensed real estate agents and managing brokers
Fact-checked and quality information

E. Real-Time Industry Intelligence

Recent Forum Topics (Live Examples):

“Marketing strategies for mortgage brokers in Chicago suburbs”
“Marketing Strategies for Chicago Suburb Mortgage Brokers New Business”
“How Do Mortgage Companies Set Rate Pricing?”
“Mortgage Branch as DBA for a Large Mortgage Company”
“Arkansas Home Buying Guide”

4. The Network Effect

Nationwide Professional Network:
GCA Forums enables networking among:

Loan Officers: Strategy sharing, scenario troubleshooting
Real Estate Agents: referral partnerships, market sharing
Processors/Underwriters: framework support, guideline reinforcement
Attorneys: legal transactional support
Accountants: borrower tax strategy
Property Managers: advice on investment properties
Builders/Developers: Financing for new constructions.
Third-Party Vendors: Title, appraisal, insurance.

Cross-State Collaboration:

Professionals, with members in 48 states, can do the following:

Client referrals across various markets
Obtain insights on local markets.
Understand and comply with state-specific regulations.
Develop growing partnerships across the country.

5. The Gustan Cho Associates Digital Empire

Subsidiary Websites & Platforms:
According to Sapna Sharma, GCA Forums is part of “the largest and fastest growing digital media real estate and mortgage media source in the nation.”

Confirmed Subsidiary Sites:

gustancho.com – Main corporate website
gcaforums.com – Community website
gcamortgage.com – Mortgage Group for GCA
mortgagelendersforbad.credit.com- Mortgage Lenders For Bad Credit
non-qmmortgagelenders.com – Site dedicated to Non-QM
preferredmortgagerates.com-Preferred Mortgage Rates: Discount Division of Gustan Cho Associates
lendingnetwork.org – Network for Commercial Lending
onlinebusinesssolution.org – In-House Technology and Digital Marketing Media Portal
forum.gustanchoassociates.com – Alternate URL for the forum

Daily Reach:

The network has tens of thousands of daily viewers.
It is one of the top sources for mortgage and real estate information in the country.

6. Educational Mission

Core Philosophy:

“Our mission is to educate consumers through blogs and videos about basic agency mortgage guidelines and available loan programs.”

Why This Matters:

Helps borrowers make better and more informed decisions.
It helps reduce pressure and stress during the mortgage process.
It also helps prevent last-minute mortgage loan denials caused by poor qualification.
It empowers consumers instead of taking advantage of them.

7. Member Ranking System

Rookie: Achievement of 30 points
Associate member: Achievement of 100 points
Higher levels: Ranks based on participation and contribution
Gamification encourages people to share knowledge and take part.

8. Social Proof and Community

Metrics of Active Engagement Include

Active members on the platform
Activity feed
Engagement with discussions (threads)
Groups (private)
Messages (direct)
Requests (connection)
Badges (recognition)

Social Media Integration:

Community (Facebook)
Presence (LinkedIn)
Content (YouTube)
Stories (Instagram)
Updates (Twitter/TikTok)
Blog (Tumblr)

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THE COMPETITIVE ADVANTAGE: WHY 80% OF CLIENTS WERE DENIED ELSEWHERE

Stats

75-80% of clients from Gustan Cho Associates have been turned down by other lenders
Most loans close in 30 days or less
Average loan officer tenure: 5 years (industry avg. 18-24 months)

Most Common Reasons for Denial That GCA Mortgage Group Overcomes:

Credit Issues:
- Lenders/others: 620-640+ FICO required
- GCA: Accepts 500-579 FICO (FHA/VA)
Debt-to-Income Ratio:
- Others: DTI capped at 43-50%
- GCA: 56.9% DTI (FHA), 60%+ DTI (VA)
Credit Issues in the Past:
- Others: 2-7 years waiting times
- GCA Mortgage Group: Non-QM one day out of bankruptcy/foreclosure
Self-Employment Income:

Other lenders use 2 years tax returns, heavy documentation.
GCA Mortgage Group: Bank statement loans (12-24 months), asset depletion, no-doc.

Active Bankruptcy:

Other lenders: Must wait for discharge.
GCA Group: FHA/VA during Chapter 13 repayment.

Collections/Charge-Offs:

Other lenders: Require payoff or disputes.
GCA Mortgage Group: No requirement to pay off (follow agency guidelines only).

Late Payments:

Other lenders: Deny with recent lates.
GCA Mortgage Group: Non-QM programs accept late payments in the past 12 months.

Investment Properties:

Other lenders: Limited programs.
GCA: DSCR loans, fix-and-flip, portfolio lending.

Foreign Nationals:

Other lenders rarely offer programs.
GCA: ITIN loans, foreign national programs.

Lender Overlays:

Other lenders: Add restrictions.
GCA: Zero overlays = more approvals.

Key Differentiators

What Makes This Model Work:

Platform Access: NEXA’s 49-state licensing.
Product Breadth: 210-280 wholesale lenders.
Pricing Power: Broker comp vs. banker comp (2.75% vs. 6-8%).
No Overlays: Pure agency guidelines.
Expertise: Specialized in difficult scenarios.
Availability: 24/7 access.
Proper Qualification: Prevents stress and denials.
Digital Dominance: GCA Forums network effect.
Reputation: Word-of-mouth and referrals.

Culture: Loan officers stay an average of 5 years, which shows they are satisfied.

The Community Advantage of GCA Forums

For Loan Officers:

Help Desk Underwriting: Discuss scenarios as they unfold
Training on Products: Familiarize yourself with additional programs
Shop Rate Insight: Analyze wholesale rates
Brand Building: Marketing
Networking Opportunities: Realtors, Attorneys, Accountants, and Title Companies
Career Advancement: Climb the ladder through a defined system

For Borrowers:

Education: Loan processes
Transparency: Rate and programs’ actual discussions
Support: Loan community
Expert Access: Your questions answered
Loan Discovery: Loan programs you weren’t aware of.

For Real Estate Professionals:

Partnership with Lenders: Access reliable LOs
Market Updates: What’s changing in lending
Client Services: Refer troubled buyers who need help
Education: What financing options are available?

For Third-Party Professionals:

Business Listings: Free Exposure
Networking: Windows with mortgage and real estate professionals
Ads: Promote your services
Thought Leadership: Share your premium

Comparison of Business Models

Your Existing Independent Model:

Licenses in 3 states
10 Over wholesale lenders relationships
Complete independence and control
100% profit retention
Restricted scope

Benefits of Gustan Cho Associates, a dba of NEXA Lending:

Pros of NEXA:

Immediate access to 48+ state licenses
210-280+ wholesale lender relationships

Cons of NEXA:

Give up 10-25% revenue to NEXA.
Lose your 10 current wholesale relationships.
Operate under NEXA’s compliance/policies.
Keep “ABC Mortgage Group” branding (with “powered by NEXA”)
Your current licenses go inactive.
GCA Forums-style marketing platform possible

The Model and Platform of Gustan Cho Associates and Subsidiaries Specifically:

Built a massive digital empire (subsidiary websites)
Created vibrant community (GCA Forums)
Positioned as a thought leader
“Powered by NEXA Mortgage” branding
Maintained a unique identity while leveraging the platform

Final Insights on GCA Forums

What Gustan Cho Associates And Subsidiaries Proves:
A mortgage broker CAN successfully transition to a NEXA DBA branch and:

Maintain strong brand identity.
Build additional revenue streams (digital media)
Create community engagement (forums)
Achieve national reach (48 states)
Specialize in a niche (declined borrowers)
Maintain culture (5-year avg LO tenure)

What You’d Gain:

Immediate 48-state licensing
20-28x more wholesale lenders (vs. your current 10)
NEXA’s compliance infrastructure
Access to NEXA’s technology/systems
Potential to build a similar digital platform

What You’d Give Up:

Your current 10 wholesale relationships
10-25% of revenue
complete autonomy
Simple way back to autonomy (restarting licensing takes over 6-12 months)

Questions to Address:

Will you be able to achieve the same level of growth independently while licensing on a state-by-state basis?
Is the immediate access to all 48 states valuable enough to give up 10-25% of your revenue?
Can you see the potential to create a digital empire in the style of the GCA Forums?
Are you okay with NEXA’s new policies taking over your existing level of freedom?
What will you do about your 15 part-time LOs who are unlikely to satisfy NEXA’s minimum requirements?

Gustan Cho Associates and Subsidiaries: 24/7 Online Message Board and Community-GCA Forums

GCA Forums is an online community for people involved in lending, real estate, home buying, and homeownership. Members can ask questions, share experiences, talk about trends, and get advice on mortgages, real estate, and investments. The platform is known for helping with complex mortgage situations for both professionals and clients. As part of Gustan Cho Associates, GCA Forums encourages collaboration and knowledge sharing throughout the mortgage process.

GCA Forums is a national online community designed to support consumers, investors, business owners, and professionals with information on moving, real estate, and related topics.

We all understand that education, knowledge, and experience in mortgage and real estate is of utmost importance. Therefore, a all-in-one one-stop information and resource think tank and online community, Great Content Authority Forums (GCA FORUMS) was developed, created, and launched. Viewers, members, sponsors, loan officers, real estate investors, realtors, attorneys, and third-party professionals can view threads and posts, ask, answer, and contribute on Great Content Authority Forums for the latest, up to date, information, data, news, rules and regulations 24 hours a day.

Gustan Cho Associates and Subsidiaries: GCA Mortgage Group

GCA Mortgage Group is the largest subsidiary of Gustan Cho Associates and is one of the top full-service mortgage bankers in the country. We handle government, conventional, and portfolio loans, and help borrowers with credit problems, including bankruptcies, foreclosures, short sales, deed-in-lieu, loan workouts, and collections.

Our team at GCA Mortgage Group looks at more than just credit scores, so we can help financially stable clients get loans even if they have had money troubles in the past.

GCA Mortgage Group offers a variety of loan products at competitive rates through flexible correspondent lending. We operate in 48 states and U.S. territories (Not yet licensed in MA and NY) and follow all federal and state mortgage lending rules and guidelines..

Gustan Cho Associates and Subsidiary: Mortgage Lenders For Bad Credit-Home Loans For Credit Challenged Borrowers

Mortgage Lenders for Bad Credit focuses on helping borrowers with poor credit histories. We know many clients have faced medical bankruptcy, divorce, job loss, or business setbacks. Our programs accept FHA and VA loan applicants with credit scores as low as 500, offer non-QM loans for self-employed borrowers, and help people right after foreclosure or bankruptcy.

We also support homebuyers and homeowners during Chapter 13 bankruptcy repayment and offer different alternative financing options.

Our team is skilled in manual underwriting for clients with stable employment, sufficient cash reserves, low debt, and a good payment history. We also give credit improvement advice, helping borrowers understand waiting periods, build strong payment records, and explain past credit problems.

Gustan Cho Associates and Subsidiary: Preferred Mortgage Rates – Our Discount Rate Subsidiary

The Preferred Mortgage Rates subsidiary of Gustan Cho Associates offers below-market rates to qualified borrowers. Many subprime applicants who were turned down elsewhere may qualify through our custom underwriting and products.

Preferred Mortgage Rates work with top lenders to offer competitive closing costs and interest rates through efficient processing, and we provide purchase and refinancing options for primary, secondary, and investment properties.

Preferred Mortgage Rates works with top wholesale lenders in the secondary and portfolio markets. We are recognized for our exceptional customer service and efficient processing of both refinances and mortgage loans. We offer strong FHA solutions for clients with credit challenges. Our team is well-versed in HUD mortgage guidelines and underwriting rules, making us a trusted resource for these loans.

Gustan Cho Associates and Subsidiaries: FHA Bad Credit Lenders

FHA Bad Credit Lenders is a full-service mortgage broker and a key part of Gustan Cho Associates. We offer government and conventional loans without extra lender requirements. Most of our clients use FHA loans.

Popular FHA programs include fixed-rate and adjustable-rate mortgages, FHA 203(k) rehab loans, streamline refinances, FHA cash-out options,

FHA loans during and after Chapter 13 bankruptcy, high-balance FHA loans, and Chapter 13 buyouts during repayment. Our team accepts flexible qualifications, such as non-traditional credit, higher debt-to-income ratios with compensating factors, and a minimum 3.5% down payment. We handle complex cases, like recent Chapter 13 or 7 bankruptcies, foreclosures with special circumstances, and borrowers on fixed incomes. These strengths lead to our high approval rates and strong ratings.

Gustan Cho Associates and Subsidiaries: Non-QM Mortgage Lenders

Non-QM Mortgage Lenders assist clients with high incomes and assets who cannot provide standard documents, such as pay stubs or tax returns. Non-QM Mortgage Lenders, the non-QM and alternative lending subsidiary of Gustan Cho Associates offer non-qualified mortgage and alternative financing options and products for self-employed people and those with non-traditional income.

Non-QM Mortgage Lenders help clients who do not qualify with standard income documents but can be approved using alternative and non-traditional income income where income tax returns is not required.

Example of non-traditional income include 12 or 24 months of bank statements., which utilize 12 or 24 months of bank statements, profit and loss statement , asset depletion based on liquid assets, DSCR mortgages, interest-only mortgages, non-QM jumbo loans, and other profit-based products. Non-QM loans are portfolio mortgage loans so each individual sets its own guidelines. Most non-QM mortgage lenders utilize alternative methods to assess risk.

Lending Network: Business and Commercial Loans

Lending Network is the business and commercial lending subsidiary of Gustan Cho Associates. Lending Network is a business and commercial lending platform of Gustan Cho Associates and subsidiaries. The wholly-owned subsidiary of Gustan Cho Associates has hundreds of wholesale lending partners including wholesale financial institutions, hedge funds, institutional investors, insurance companies, and large money management institutions.

Lending Network, networks with mortgage loan officers, brokers, real estate agents, financial advisors, and other professionals in the real estate finance industry.

This subsidiary of Gustan Cho Associates supports professionals nationwide with business referrals and partnerships. Mortgage professionals can utilize our tools to expand their businesses, explore wholesale lending options, obtain assistance with multi-state licensing, and connect with borrowers seeking specific loan products. Lending Network connects Gustan Cho Associates’ lending subsidiaries with independent mortgage professionals who want flexible options. We give loan officers support, training, and access to marketing, compliance, and operational tools that independent originators may not have. This helps Gustan Cho Associates reach more borrowers nationwide while staying accessible and flexibility.

Online Business Solution

Business Solution offers digital marketing, web development, content marketing, SEO, and business consulting services. Online Business Solution offers digital marketing, web development, content marketing, SEO, and business consulting to mortgage companies, real estate brokerages, and financial services firms.

Drawing on Gustan Cho Associates’ experience, we help new businesses establish robust online profiles and generate high-quality leads.

We offer custom website design, SEO campaigns, content marketing, social media management, reputation management, email marketing automation, CRM setup, and digital advertising on platforms such as Google and Facebook. We help mortgage and real estate professionals address marketing challenges, including compliance, competition, lead generation, and improving conversions. Our digital strategies help clients succeed.

Gustan Cho Associates and Subsidiaries: Our Real Estate Network Partner- One Solution Real Estate

One Solution Real Estate offers a full range of services, including brokerage, investment advice, property management, and transaction coordination. We provide property assessments, marketing, staging, and support throughout the sale process. Our partnership with GCA Mortgage Group enables clients to access both real estate and mortgage services in one convenient location, providing a seamless experience. We also help real estate investors find profitable properties, including fix-and-flip deals, and manage their portfolios.

Gustan Cho Associates and Subsidiaries collaborates with non-QM mortgage lenders and other financing partners to support investors throughout the entire process, from purchase to financing and closing.

Gustan Cho Associates and Subsidiaries is dedicated to helping all Americans achieve homeownership by making mortgage financing more accessible and affordable. The National Association of Mortgage Brokers stated, “Gustan Cho Associates has a corporation-based philosophy to serve the Home Mortgage Needs of America,” demonstrating our commitment to helping individuals who are often overlooked. We believe that with the right education, people facing financial challenges can improve their situations. The mortgage industry’s focus on credit scores and debt-to-income ratios has made it difficult for some individuals to obtain loans.

Our Goal and Mission at Gustan Cho Associates and Subsidiaries

At Gustan Cho Associates, we focus on teaching borrowers how to qualify for loans, not just processing their applications. specialized services, including National Service Debt Contracts and additional support. Gustan Cho Associates is recognized as a leader in mortgage banking and specialty lending for clients with credit challenges.

Our executives and loan officers contribute educational articles, speak at conferences, and advise on new mortgage rules and lending practices.

We primarily offer and invest in affordable home mortgage products, which has enabled us to build a strong presence in the primary mortgage markets and help clients overcome credit challenges, achieve homeownership, and positively impact the lending industry.

Technology and Innovation in Mortgage Lending

Gustan Cho Associates utilizes advanced technology to Gustan Cho Associates uses advanced technology to make the loan process easier and improve the borrower experience. We have a modern loan system, automated underwriting, and digital document management, all of which comply with the relevant regulations.

Borrowers can use our online portal to upload documents, get electronic disclosures, sign forms, check their loan status, and communicate securely.

These tools save time, reduce paperwork, and provide real-time updates. Our staff combines automated systems with manual review, allowing us to assess each borrower’s full situation and assist those who may not meet standard automated criteria.

The Business Model and Foundation of Gustan Cho Associates and Subsidiaries

We have robust policies and procedures in place to ensure compliance with all applicable federal and state regulations. Our compliance program covers the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, the SAFE Act licensing requirements, and state-specific rules. We use the same standards and regulations across all units, with regular reviews, audits, quality checks, and staff training.

Gustan Cho Associates and Subsidiaries also collaborates with external legal and compliance experts to maintain a robust compliance system. This proactive approach benefits both the company and our borrowers, ensuring everything runs smoothly.

Gustan Cho Associates and subsidiaries mainly works through correspondent and brokerage channels, partnering with many wholesale lenders, aggregators, and institutional investors. These relationships provide us with access to more loan options, better pricing, and more flexible underwriting compared to relying on a single funding source. Our wholesale partners include national banks, regional lenders, credit unions, insurance companies, hedge funds, non-bank mortgage companies, and boutique finance firms that focus on non-QM and niche lending products. We collaborate with all these partners to distribute our funding across multiple organizations.