Loan Cabin, Inc. dba Gustan Cho Associates is a five-star mortgage company licensed in multiple states headquartered in Lombard, Illinois.
Gustan Cho Associates, also referred to as GCA Mortgage was founded in 2012. Loan Cabin, Inc. NMLS 1657322 was created in 2017. Gustan Cho Associates and Loan Cabin, Inc. merged together in August 2018. GCA Mortgage has a national reputation for having a business platform of having no lender overlays on government and conventional loans.
Gustan Cho Associates has a national reputation of being able to close loans where other lenders cannot. This is due to its no lender overlays on government and conventional loans business model. We also have dozens of lending partnerships with wholesale non-QM lenders
Over 75% of our borrowers at Gustan Cho Associates are folks who could not qualify at other lenders.
Many of our clients are folks who either get a last-minute mortgage loan denial or are stressing over the mortgage process with another mortgage company.
The team at Gustan Cho Associates strives not only just to close our loans but close them on time.
Loan Cabin Inc., the parent of Gustan Cho Associates has two divisions:
- Corporate Division in Lombard, Illinois
- Nationwide National Consumer Direct Division, Gustan Cho Associates
Each division is separate and independent. Loan officers, processors, support, and operations staff for Loan Cabin and Gustan Cho Associates are independent of each other. The team at Gustan Cho Associates is available 7 days a week, evenings, weekends, and holidays.
Products and Services
Gustan Cho Associates always wants to be one step ahead of its competition. We do this by offering not just government and conventional loans with no lender overlays but non-QM and alternative financing loan programs:
Gustan Cho Associates are mortgage bankers/correspondent lenders on the following loan programs:
- FHA Loans
- VA Loans
- USDA Loans
- Conventional Mortgages
- Jumbo Loans
GCA Mortgage Group are not just mortgage bankers but we are also mortgage brokers. We have dozens of non-QM wholesale lending relationships with the following niche lending investors:
- Non-QM Mortgages
- Bank Statement Loans for self-employed borrowers
- Asset Depletion Mortgage Loan Programs
- Warrantable and NON-Warrantable Condos
- Small Balance Commercial Mortgages
- Commercial Lending and Capital Markets
Welcome to Gustan Cho Associates Mortgage Group. Meet our team of licensed loan officers, support staff, operations team, and guest writers/consultants.
Massimo Ressa NMLS 227855
Massimo Ressa is the Chief Executive Officer of Loan Cabin Inc., the parent company of Gustan Cho Associates:
Massimo Ressa and his national team of support and licensed personnel have a national reputation of being a direct lender with no overlays on government and conventional loans. Massimo Ressa is a pioneer in the mortgage lending industry with his philosophy of being a national firm with a one-stop-shop business model. CEO Ressa’s vision of being a one-stop lending shop for homebuyers in Illinois has expanded to become a national five-star mortgage banking institution.
With branches and top experienced sales and operational support personnel in every major city in multiple states, the company’s ultimate goal and mission are to be licensed in most of the 50 states. With this mission in mind, Massimo Ressa has finalized the partnership and merger of Loan Cabin, Inc. and Gustan Cho Associates.
Gustan Cho Associates, the national consumer direct division of Loan Cabin, Inc. has consolidated its various locations to a central command center in its corporate headquarters location in Lombard, Illinois.
Gustan Cho NMLS 873293
Gustan Cho NMLS 873293 is the National Managing Director of Gustan Cho Associates:
- We are a nationwide full-service mortgage firm headquartered in Lombard, Illinois
- GCA Mortgage Group has a national reputation for its no overlays on Government and Conventional Loan Programs and being a one-stop lending shop
- Gustan Cho Associates has a hybrid-mortgage banking/broker model of being a banker and a broker
Besides being Direct Lenders, we have access and correspondent/investor relationships including the following:
- Non-QM loans
- alternative financing
- No doc fix and flip rehab investors
- Asset depletion and other unique non-QM loans programs
- Gustan Cho Associates is proud to say with 100% confidence that Loan Cabin, Inc. dba Gustan Cho Associates is able to get loans done and closed where other lenders cannot
Gustan Cho Associates is implementing more loan programs such as Non-QM loans, alternative financing, and investment property loans.
Here is what he realized and developed a new mortgage process where there is no reason why a pre-approved borrower cannot close on their home loan. There is no reason why a pre-approved borrower cannot close on his or her mortgage loan. Over 75% of Gustan’s borrowers are folks who either gotten a last-minute loan denial or are going through a stressful mortgage process. The ONLY reason for a last-minute mortgage loan denial or stress during the mortgage process is because the borrower was not qualified correctly.
All pre-approved borrowers close on their home loans. Gustan Cho’s belief is that being a loan officer is not like any other sales job. Borrowers entrust their loan officers with all of their personal and private information. In return, a loan officer needs to be available for their borrower 24/7, 7 days a week, evenings, weekends, and holidays. Licensed and support personnel at Gustan Cho Associates are available 7 days a week, evenings, weekends, and holidays and all borrowers have our cell and home phone numbers
Gustan Cho can be reached directly on his cell at 262-716-8151 or text him for a faster response. Or email at [email protected]
Alex Carlucci NMLS 229891: National Sales Manager and Senior Loan Officer
Alexander Thomas Carlucci NMLS 229891 is a Senior Loan Officer with Gustan Cho Associates.
Alex Carlucci NMLS 229891 is also an upper-level management executive and the National Sales Manager at Gustan Cho Associates.
Responsibilities and roles include but are not limited to Aid in the deployment of Encompass Loan Origination System.
Leads organizational efforts to enhance quality and efficiency by:
- maximizing use of Encompass Loan Origination System
- other mortgage and credit risk automated systems
- monitoring and managing defect rates
- Engagement in business development whether technical and/or theory related
- manage vendors relationships and compliance
Alex Carlucci is an expert in originating and processing the following loan programs:
- FHA Loans
- VA Loans
- USDA Loans
- Conventional Loans
- NON-QM Loans
- Bank Statement Loans For Self Employed Borrowers
- Jumbo Mortgages
- Reverse Mortgages
- Investment Property Loans
Alex Carlucci is licensed in multiple states. Alex can be reached at (630) 915-7550. Borrowers can call or text Alex Carlucci for a faster response. Alexander Thomas Carlucci can also be reached via email at [email protected]
Kathleen Steffek: Mortgage Underwriting Director
Kathy Steffek is the mortgage underwriting director at Gustan Cho Associates. Kathleen Steffek is also a senior DE Mortgage Underwriter for Gustan Cho Associates. Kathy brings many years of underwriting experience to Gustan Cho Associates Mortgage Group. Kathleen underwrites government and conforming loans and is an expert in manual underwriting. Kathy underwrites FHA, VA, USDA, and Conventional Loans.
Ami Thakkar: Senior Mortgage Processor
Ami Thakkar is the senior mortgage processor and processing manager for Gustan Cho Associates.
Ami is a veteran mortgage professional with years of extensive experience in originating, opening, processing, and pre-processing government, conventional, and non-QM/alternative loan products. Ami Thakkar can handle a mortgage file from gathering docs to prep to clearing conditions, assisting with our closing department and funding.
Ami Thakkar can be reached at [email protected] Her direct line is 331-307-7628.
Dawn Sabathne: Senior Mortgage Processor
Dawn Sabathne is a senior mortgage processor for Gustan Cho Associates. Dawn is a team leader in the operations department and helps train newer loan processors. Many processors and ops staff will go to Dawn for assistance. Dawn Sabathne can be reached at [email protected]
Fiona McCue: Senior Mortgage Processor
Fiona McCue is a senior mortgage processor for Gustan Cho Associates. Fiona is an expert with loan submissions and clearing conditions on conditional loan approvals. Fiona is also a loan officer assistant to top producers at Gustan Cho Associates.
Besides taking care of calls from clients, realtors, attorneys, and title agents, Fiona handles many operations duties such as verification of employment requests and other duties to make sure every loan has a smooth process from application to closing. Fiona McCue’s email address is [email protected]
Piotr Bieda Chief Technology Officer
Piotr Bieda is the Chief Technology Officer at Gustan Cho Associates. Piotr Bieda is also the Chief Operating Officer of Gustan Cho Associates
Part of Piotr Bieda’s duties includes providing support for an escalated problem:
- assess the fulfillment of staff performance
- the role includes to identify and provide the training needed to increase efficiency
- always looking in ways to improve quality and time efficiency
- interface with internal operations and systems
- support areas to identify the root cause of issues and find solutions with definitive deadline dates
- provide training and track results to confirm solutions have resolved issues identified
- manage direct reports
- this is so as to effectively evaluate, motivate, delegate, and monitor their activities
- effectively communicate with CEO progress in operations and procedures as to meet desired metrics
- track the progress of improvements as they are implemented, monitor hiring, training, and performance management of all operations staff
Mr. Bieda is also the Marketing Director at Gustan Cho Associates. Piotr can be reached at [email protected] His number is 773-732-5773.
Martyna Szettel: Executive Marketing Manager
Martyna Szettel is the Executive Marketing Manager at Gustan Cho Associates. Martyna is also the Executive Media Production Director for Gustan Cho Associates Media Group. She handles all marketing and support requests from our licensed loan officers, loan officer assistants, realtor partners, and support staff. Martyna can be reached at [email protected]
Michelle McCue NMLS 1921869: National Operations Manager and Senior Vice President of Mortgage Banking
Michelle McCue of Gustan Cho Associates is a senior mortgage advisor and the National Operations Manager at Gustan Cho Associates. Michelle is an expert in the following area:
- FHA Home Loans
- VA Loans
- USDA Loans
- Conventional Loan Programs
- Non-QM Loans
- Bank Statement Loans for Self Employed Borrowers
- 90% LTV Jumbo Mortgages
Michelle McCue of Gustan Cho Associates can help borrowers with less than perfect credit and higher debt to income ratios. Due to Gustan Cho Associates being a no overlay lender on government and conforming loans, Michelle McCue can structure any less than perfect credit borrowers’ files and help them qualify for a home loan in a matter of a short time.
Some of Michelle McCue’s duties include:
Work with Chief Executive Officer and upper-level executives/investors to effectively evaluate, motivate, delegate, and monitor activities of operations and support staff:
- manage process and procedure change
- or best practice communication to staff and management
- management and redistribute workflow when deemed necessary to maintain strong customer service levels to ensure timely delivery to clients and satisfaction
- Monitor daily, weekly, and monthly actual and projected production reports
It is not if you can qualify for a mortgage with Michelle McCue but when. Michelle Ann McCue can be reached at 815-593-4122 or by email at [email protected]
Maria Windham NMLS 458679
Maria Windham NMLS 458679 is a senior loan officer at Gustan Cho Associates:
- Maria is a veteran licensed loan officer with over 15 years of experience in the mortgage industry
- Ms. Windham has a five-star national reputation for helping borrowers with prior credit issues get qualified for a home loan
- Maria Windham is a mentor to many newer loan officers and Gustan Cho Associates is blessed to have such a great loan professional on its team
- It’s the people that make the company
The 15 years I have been working in the mortgage industry has given me the experience of reviewing hundreds of files with different scenarios. It is extremely important for me to have not only the experience but the understanding of the intricacies and nuances of the mortgage industry. I am an expert at structuring files to meet agency guidelines- VA, FHA, FNMA, USDA including manual underwriting. Less than perfect credit—no problem! NON-QM programs are also my area of expertise. I have successfully overcome obstacles for many of my clients that were denied or frustrated with the mortgage process. Teaming up with Gustan Cho & Associates and Loan Cabin has been one of my best decisions since it allows me to help more people accomplish their goals of owning a home. Why? Because we have NO OVERLAYS!
Maria can be reached at [email protected] or by phone at 813-352-7523.
Jammi Cash Vice President Of Mortgage Banking NMLS 1930614
Jammi Cash is a licensed loan officer at Gustan Cho Associates:
- Jammi Cash is an expert on FHA, VA, USDA, and Conventional loans
- Jammi has a national reputation of being an expert on government and conventional loans and her practice of knowing the most up to date mortgage agency guidelines
- Gustan Cho Associates is a five-star national lender with no lender overlays on government and conventional loans
- Jammi is also an expert on non-QM and alternative home mortgage programs
- Jammi is based in Alabama and is available 7 days a week for her borrowers
Jammi can be reached at [email protected] Her phone number is 256-403-6103.
Dale Elenteny NMLS 904444
Dale Elenteny is a veteran licensed senior loan officer with Gustan Cho Associates:
- Dale has over two decades of mortgage experience. Dale Elenteny has worked both in the wholesale and retail section of the mortgage industry
- As a wholesale account executive, Dale has helped countless loan officers who needed help with guidelines or on how to structure a deal
- His passion for helping families realize the dream of homeownership become a reality was the reason he is now in retail
- Over 75% of Dale’s borrowers are folks who could not qualify at other lenders
- However, Dale helps these folks in preparing them to qualify for the best mortgage program and help buyers qualify for a mortgage
- Dale has helped countless home buyers and has been a mentor to hundreds of loan officers
Dale Elenteny can be reached at 630-479-2719 or by email at [email protected]
Michael Gracz NMLS 1160212 Associate Contributing Editor At Gustan Cho Associates
Michael Gracz NMLS 1160212, is an associate contributing editor at Gustan Cho Associates.
Mike Gracz has been an associate contributing editor for Gustan Cho Associates Mortgage News since 2012.
Michael Gracz has personally helped hundreds of families obtain the home of their dreams.
Mike Gracz is highly skilled and has low credit lending. There are very few situations Mike has not seen before. Clients in the past have called Michael the “loan doctor” during the mortgage process. Michael Gracz prides himself on being up to date on all mortgage guidelines and new products.
Mike Gracz is also an EXPERT in NON-QM lending! NON-QM loans open up homeownership opportunities to thousands of Americans who have a troubled financial past. Every client is equally as important to Mike as the last. Borrowers can expect a personal touch and attention to detail throughout the entire process. It is important for borrowers to understand the mortgage process can be stressful at times.
Michael was not in the mortgage industry when he purchased his first home, so Mike knows both sides of the spectrum. That being said, Michael is here to serve our clients at Gustan Cho Associates in every way possible.
Mike Gracz prides himself on being available 7 days a week! Many of Michael’s clients have busy schedules or may work nights. He does his very best to be available anytime and all the time. Many of Michael’s clients will not qualify for a mortgage today, but Michael works with them and helps them qualify. Michael creates a financial plan to qualify as soon as possible.
Mike has worked with many clients for over 12 months before they are ready to buy a home. He holds himself and his staff to a high standard of business practices and will vouch for his loan officer’s customer service levels. Our reviews say it all and Michael encourages them to take a look at them.
Whether homebuyers are buying their first home, first investment property, or 15th house, The Michael Gracz Team at Gustan Cho Associates is always here to help. Our goal is to help you with your mortgage needs and earn your business for life. Most of our first-time homebuyers come back to us for their next home! That is the ultimate compliment.
Jose Morales NMLS 1618281 Vice President Of Mortgage Banking
Jose Morales is a Vice President of Mortgage Banking for Gustan Cho Associates:
- Jose is licensed in multiple states and has extensive loan origination experience on government and conventional loans as well as alternative financing home mortgages such as non-QM loans
- Jose Morales is licensed in multiple states
Jose can be reached at [email protected] or on his cell phone at 773-426-1464. Text Jose Morales for a faster response.
Henry Johnson NMLS 62492
Henry Johnson NMLS 62492 is a licensed loan officer and Senior Vice President for Gustan Cho Associates at Loan Cabin. Henry Johnson’s contact information is 317-960-5426 and the email address is [email protected]
Dora Luz Ali NMLS 1518932
Dora Ali is a senior mortgage banker with Gustan Cho Associates. Based in Houston, Texas, Dora is licensed in multiple states and has a national reputation of being able to close mortgage loans to other lenders cannot.
- Dora is an expert in FHA, VA, USDA, Conventional Loans as well as Jumbo Mortgages, Foreign National Loans
- Since a large percentage of Dora’s clients are business owners, Dora offers bank statement mortgage loans for self-employed borrowers where no income tax returns are required
- NON-QM Loans and alternative financing loan programs are Dora’s top loan programs
- Dora Ali and her Team represents a national lender with no overlays on government and conventional loans
- A large percentage of Dora Ali’s borrowers are Spanish Speaking home buyers and foreign nationals
- Dora is not just a direct lender with a national five-star reputation, but she is also a veteran licensed real estate agent in the state of Texas
- With over a decade of full-time experience in helping Texas homebuyers realize their dream of homeownership become a reality
- Dora Ali is the go-to person for home buyers, especially first time home buyers
Dora is available 7 days a week. She can be reached at 832-455-7631 or text her for a faster response. Or email Dora at [email protected]
Raul Enriquez NMLS 1678739
Raul Enriquez is a senior loan officer with Gustan Cho Associates. Raul has extensive experience in government and conforming loans. Raul is also an expert in Non-QM and bank statement loans for self-employed borrowers. Mr. Enriquez contact information is [email protected]
Syed Asif Ali NMLS 1518930
Syed Ali is a senior loan officer at Gustan Cho Associates. Syed email address is [email protected]:
Syed Ali is a loan officer specializing in helping home buyers get financing in government and conventional loans. Syed is an expert in helping borrowers with less than perfect credit and higher debt to income ratios. All FHA Loans, VA Loans, USDA Loans, Conventional Loans have no lender overlays at Gustan Cho Associates.
Syed also has extensive experience in originating and funding:
- Jumbo Mortgages
- Alternative Financing
- Condotel Loans
- Non-Warrantable Condominiums
- NON-QM Loans, Bank Statement Loans for Self Employed Borrowers
- Investment Property Loans
Ricardo Chaparro NMLS 1642034
Ricky Chaparro is a licensed loan officer with Gustan Cho Associates. Ricky Chaparro’s contact information is [email protected] Ricky Chapparo’s phone number is 626-221-1441.
Jonathon Kim NMLS
Jonathon Kim is a veteran senior mortgage loan originator assigned to the corporate offices of Gustan Cho Associates. in Lombard, Illinois:
Chuck is an expert on the following types of mortgage loan programs:
- Most mortgage closings are done in 30 days or less
- FHA Streamline Refinance
- FHA Loans With No Overlays
- FHA 203k Loans
- FHA Reverse Mortgages
- High Balance FHA Loans
- FHA Loans down to 580 FICO Credit Scores with no lender overlays
- VA Loans With No Overlays
- USDA With No Overlays
- Conventional Loan Programs with no overlays
- NON-QM Loans where borrowers one day out of bankruptcy and foreclosure can qualify for a mortgage
- Investment property loans
- Jonathon Kim, as well as all members of Gustan Cho Associates, is available 7 days a week, evenings, weekends, and holidays
Jonathon can be reached at (630) 613-8389 and his email address is [email protected]
Hannah Kim Processing And Loan Officer Assistant
Hannah Kim is the processing and loan officer assistant for Gustan Cho Associates. Torri can be reached at [email protected]
Finnegan McCue is a licensed loan officer and a processing assistant for Gustan Cho Associates assigned to the corporate headquarters in Lombard, Illinois.