Meet Our Team

Meet Our Team at Gustan Cho Associates

At Gustan Cho Associates, borrowers notice one thing: Our people are the spotlight. When we say that we close loans, we mean that each file moves across our desks, gets the finest attention, and is handled in the spirit of true service. The team at Gustan Cho Associates has a national reputation for being able to close mortgage loans that other lenders cannot. We are among the best, if not the best, in closing FHA and VA loans for borrowers with credit scores down to 500 FICO.

Gustan Cho Associates is a nationwide one-stop mortgage lending shop licensed in 48 states, including Washington, DC, Puerto Rico, and the U.S. Virgin Islands.

We’re proud of our “no lender overlays” banner and promise that competitive programs will be released quickly. We also pledge that the person at the other end of the phone gets as much respect and guidance as the borrower’s dream deserves. Gustan Cho Associates, a dba of NEXA Mortgage, is proud to say that we have the states (licensed in 48 states), we have the loan products (Network of 280 wholesale investors), and the most competitive rates (We are based on the broker compensation model, which cannot have a greater yield spread premium of 2.75).

Gustan Cho Associates: Meet Our Team and What We Stand For  

Meet Our Team: A Nationally Recognized Mortgage Broker & Correspondent Lender

Gustan Cho Associates (NMLS 23175 is a dba of NEXA Mortgage, LLC (NMLS #1660690), the third-largest mortgage broker in the nation.

We’re licensed in 48 states, including Washington D.C., Puerto Rico, and the U.S. Virgin Islands, connecting borrowers from Vegas to St. Thomas.

Backed by a network of 280 wholesale investor partners, we offer choices that most banks simply can’t. Gustan Cho Associates approves mortgage loans when other lenders cannot.

Meet Our Team: The Heart of Our Company- Our People

Every loan approval happens through teamwork. From our licensed mortgage loan officers to our processors, operations, support staff, and network of wholesale investors and lenders, we work hand in hand to give our customers the industry’s fastest, clearest mortgage process at competitive rates.

Meet Our Team: Management

Gustan Cho  NMLS 873293– Mortgage Loan Originator & National Managing Director (NMLS #873293)

Bio: Gustan Cho has spent decades mastering the mortgage business and created Gustan Cho Associates to help qualify and approve clients whom other lenders say “no” to.

He’s called a mortgage expert without overlays because he believes in second chances. When a borrower has a low credit score, a high DTI, or a past bankruptcy, Gustan ensures they still get a fair path to homeownership.

Over 80% of our borrowers could not qualify at other mortgage companies. Gustan Cho Associates has the states (licensed in 48 states), products (280 wholesale mortgage lenders), and rates (a mortgage company with competitive rates and terms that consider the client’s net tangible benefits).

Borrower Testimonial:

“After being denied by two big banks, Gustan personally reviewed my file and approved me for a VA loan. He’s the only reason I’m in my home today.”

– James R., U.S. Veteran.

Chad Bush – Branch Manager (NMLS #2044239)-Mortgage Loan Originator

Bio: Chad Bush has double experience as a realtor and a loan officer. Now, as Branch Manager, he builds connections with homebuyers and real estate agents, ensuring every borrower receives a tailored plan and a smooth closing process.

Borrower Testimonial:

“Chad stayed with me every step of the loan process, making applying with less-than-perfect credit feel completely safe. He treated me like I was part of his own family.”

– Maria S., First-Time Buyer

Featured Team Members You Should Know

John Strange (NMLS # 230932)-Mortgage Loan Originator

Biography: 

• John Strange is a Senior Mortgage Loan Originator at Gustan Cho Associates, a mortgage brokerage under NEXA Mortgage, LLC, licensed in 48 states.
• With over 30 years of experience in the mortgage industry, John specializes in guiding clients through complex loan processes, particularly for VA loans and borrowers with challenging financial situations, such as those with lower credit scores or prior bankruptcies.
• His expertise is clear communication, ensuring clients understand each step, and delivering personalized solutions without lender overlays.
• Clients consistently praise his professionalism, responsiveness, and ability to close loans quickly—often in weeks—making homeownership achievable for those denied by other lenders.
• John is known for being available even on weekends, offering transparency, and working tirelessly to meet clients’ goals. His email is jstrange@gustancho.com.[
• (https://gustancho.com/team/john-strange/)
• (https://gustancho.com/)
• (https://gustancho.com/meet-our-team/)

Mike Gracz (NMLS #1160212)-Mortgage Loan Originator

Biography:

• Mike Gracz is a seasoned veteran licensed mortgage loan originator, loan officer assistant to Gustan Cho (NMLS 873293), and associate contributing editor at Gustan Cho Associates, a mortgage brokerage under NEXA Mortgage, LLC, licensed in 48 states, including Washington, DC, Puerto Rico, and the U.S. Virgin Islands.
• With extensive experience, Mike specializes in FHA and VA loans for borrowers with credit scores as low as 500 FICO, including manual underwriting, and excels at helping clients who other lenders denied due to credit issues, high debt-to-income ratios, or lender overlays.
• As a former National Sales Manager and team leader at Gustan Cho Associates, Mike has a national reputation for closing complex loans, including those during Chapter 13 Bankruptcy.
• He is also an award-winning mortgage blogger, contributing to the firm’s educational content.
• Mike is available seven days a week, with contact information at mike@gustancho.com or (630) 659-7644 (text for faster response).
• https://gustancho.com/team/michael-gracz/)
• (https://gcamortgage.com/our-team/)
• (https://gcamortgage.com/team/michael-gracz/)

Sonny “Dolphus” Walton (NMLS #)-Mortgage Loan Originator

For the most accurate and up-to-date NMLS details, verify through the NMLS Consumer Access website (nmlsconsumeraccess.org) or contact Gustan Cho Associates at (800) 900-8569 or gcho@gustancho.com.

Biography:

• Sonny Walton is a Mortgage Loan Officer and Real Estate Broker at Gustan Cho Associates, powered by NEXA Mortgage, LLC, based in Houston, Texas.
• Operating under NEXA Mortgage’s licensing in 48 states (NMLS 1660690), Sonny works with a team known for closing loans that other lenders cannot, particularly for borrowers with challenging financial profiles.
• Gustan Cho Associates has a reputation for no lender overlays on government and conventional loans, offering programs like FHA and VA loans for credit scores down to 500, non-QM loans, and bank statement mortgages.
• Sonny’s role involves leveraging the firm’s access to over 280 wholesale lenders to provide tailored mortgage solutions for clients, including those with low credit scores or complex financial situations.
• For further details on his experience or to connect, you can reach out via Gustan Cho Associates’ contact channels.[
• (https://www.linkedin.com/in/sonny-walton-59731316/
• (https://patch.com/wisconsin/oakcreek/business/listing/301534/gustan-cho-associates-nexa-mortgage-llc)

Tanhia Romero (NMLS # )-Mortgage Loan Originator

To obtain her NMLS number, verify through the NMLS Consumer Access website (nmlsconsumeraccess.org) or contact Gustan Cho Associates directly at (800) 900-8569 or via email at gcho@gustancho.com.

Biography:

• Tanhia Romero is a licensed Mortgage Loan Originator at Gustan Cho Associates, a mortgage brokerage under NEXA Mortgage, LLC (Company NMLS 1660690, Branch NMLS 2315275), licensed in 48 states, including Washington, DC, Puerto Rico, and the U.S. Virgin Islands.
• Based in the Oakbrook Terrace, Illinois branch, Tanhia works with a team renowned for closing loans other lenders cannot, particularly for borrowers with challenging financial profiles, such as low credit scores (down to 500 FICO), high debt-to-income ratios, or those needing non-QM and alternative loan programs like bank statement loans or non-QM loans one day out of bankruptcy or foreclosure.
• Gustan Cho Associates, led by Gustan Cho (NMLS 873293), is known for its no-lender-overlay approach on government and conventional loans and partnerships with over 280 wholesale lenders.
• Tanhia’s role involves providing personalized mortgage solutions, leveraging the firm’s extensive loan products to help clients achieve homeownership.
• For direct contact, you can reach Gustan Cho Associates’ team, who are available seven days a week, including evenings and holidays, to assist with inquiries.
• (https://gustancho.com/meet-our-team/)
• (https://gcamortgage.com/contact-us/)
• (https://gustancho.com/oakbrook-terrace/)

Rhonda Smith (NMLS # 1502981 )-Mortgage Loan Originator

Biography:

• Rhonda Smith is a dedicated Mortgage Loan Officer at Gustan Cho Associates, a mortgage brokerage under NEXA Mortgage, LLC (Company NMLS 1660690, Branch NMLS 2315275), licensed in 48 states, including Washington, DC, Puerto Rico, and the U.S. Virgin Islands, with a specific license to operate in Alabama.
• With over ten years of experience in the financial sector, Rhonda is committed to helping clients achieve their homeownership and financial goals by providing personalized service and professional guidance.
• She specializes in assisting first-time homebuyers, entrepreneurs, and clients navigating complex mortgage lending processes, including those with challenging credit profiles or needing specialized loan programs.
• Rhonda prides herself on her in-depth knowledge of industry trends, loan products, and regulatory requirements, ensuring a smooth and stress-free lending process.
• Her expertise contributes to Gustan Cho Associates’ reputation for closing loans that other lenders cannot, particularly through their no-lender-overlay approach on government and conventional loans and access to over 280 wholesale lenders offering non-QM and alternative financing options.
• Rhonda is available to assist clients seven days a week, and she can be reached at rhonda.smith@gustancho.com or by phone at (251) 298-7697.
• (https://gustancho.com/team/rhonda-smith/)
• (https://gcaforums.com/topic/rhonda-smith-mortgage-loan-originator-at-gustan-cho-associates/)
• (https://gustancho.com/meet-our-team/)

Ethel Matthews (NMLS # 2352355)- Mortgage Loan Originator

Biography:

• Ethel Matthews is a licensed Mortgage Loan Originator and dually licensed Realtor at Gustan Cho Associates, a mortgage brokerage under NEXA Mortgage, LLC (Company NMLS 1660690, Branch NMLS 2315275), licensed in 48 states, including Washington, DC, Puerto Rico, and the U.S. Virgin Islands.
• Based in South Carolina, Ethel brings extensive experience in both the mortgage and real estate industries, specializing in helping homebuyers find and finance their dream homes.
• Her dual expertise allows her to guide clients seamlessly through homebuying, from property selection to securing financing, particularly for those with challenging financial profiles.
• Ethel works with Gustan Cho Associates’ team, known for closing loans other lenders cannot, leveraging their no-lender-overlay approach on government and conventional loans and access to over 280 wholesale lenders offering non-QM and alternative financing programs, such as FHA/VA loans for credit scores down to 500 FICO, bank statement loans, and non-QM loans for borrowers post-bankruptcy or foreclosure.
• Ethel is committed to providing personalized, transparent service, ensuring clients understand every process step.
• She is available seven days a week and can be reached at ethel@gustancho.com.
• (https://mortgagelendersforbadcredit.com/meet-our-team/).
• (https://gustancho.com/primary-home/).

Anant Patel (NMLS 2699145)– Mortgage Loan Originator

To obtain his NMLS number, verify through the NMLS Consumer Access website (nmlsconsumeraccess.org) or contact Gustan Cho Associates at (800) 900-8569 or email anant@gustancho.com.

Biography:

• Anant Patel is a licensed Mortgage Loan Originator at Gustan Cho Associates, a mortgage brokerage under NEXA Mortgage, LLC (Company NMLS 1660690, Branch NMLS 2315275), licensed in 48 states, including Washington, DC, Puerto Rico, and the U.S. Virgin Islands (not licensed in NY or MA).
• Based in the Oakbrook Terrace, Illinois branch, Anant specializes in helping borrowers denied by other lenders due to complex financial situations, such as low credit scores (down to 500 FICO), high debt-to-income ratios, or active Chapter 13 bankruptcy.
• With 80% of Gustan Cho Associates’ clients coming from denials at other lenders, Anant leverages the firm’s no-lender-overlay policy on government and conventional loans and partnerships with over 280 wholesale lenders to secure tailored mortgage solutions, including FHA, VA, non-QM, and bank statement loans.
• His role involves guiding clients through the mortgage process with transparency and availability, ensuring a stress-free experience.
• Anant works closely with the team led by Gustan Cho (NMLS 873293) and is available to assist clients seven days a week, including evenings and holidays. Contact Gustan Cho Associates at (800) 900-8569 or anant@gustancho.com for direct contact.

Margarett Jurilla (NMLS # )- National Auditing & Compliance Director

Bio: File-flow champion; anticipates underwriter asks to prevent last-minute delays.
Best Fit: Time-sensitive purchases; refinance pipelines
CTA: See refi basics.

April Cabael- Marketing Assistant and Writer

Bio: White-glove borrower experience—answers fast, explains clearly, and sets expectations early.
Best Fit: First-time homebuyers, rate-and-term refinance
CTA: Calculate your range with the payment calculator.

Anngelli Abenes- Marketing Assistant and Writer

Bio: Organized, proactive, and calm—keeps documents pristine and timelines tight.
Best Fit: Purchase contracts with short contingencies; condo reviews
CTA: Begin a document checklist.

Angie Torres – National Operations Director  

Bio: Angie ensures every loan file moves swiftly from the day of application to the day of closing. Thanks to her leadership, loans close on time, and her commitment to every borrower shapes the caring culture in every office.  

Borrower Testimonial:

“Angie kept me in the loop at every turn. Thanks to her updates, I felt calm throughout the FHA process.”

– Robert T., FHA Borrower.

Sapna Sharma – Chief Technology Officer & Digital Media Director  

Bio: Sapna sets the vision for our digital tools, including the [Mortgage Calculators](https://www.gustancho.com/mortgage-calculators/) and the [GCA Forums](https://www.gcaforums.com/). She ensures you have on-demand calculators, precise data, and a friendly online community where all your questions are answered quickly.

Testimonial From a Borrower:

“The calculator on the website told me exactly what fit my budget. Sapna’s planning tools gave me the courage to go for it.”

– Heather M. just joined as a homeowner.

Meet Our Team: Licensed Loan Officers

Alex Carlucci – Senior Loan Officer (NMLS #229891)

Who He Is: Alex digs into FHA, VA, Conventional, and [Non-QM loans](https://www.gustancho.com/non-qm-mortgage-loans/). He’s the go-to guy for breaking down confusing programs into simple steps so you know what to expect.

Testimonial From a Borrower:

“Alex walked me through every tiny detail. I never dreamed my credit could get me a mortgage, but he found the option I needed.”  

– Danielle L., FHA borrower.

Dale Elenteny – Senior Loan Officer (NMLS #1936359)

Who He Is: Dale lives for sticky loans. He tackles manual underwriting, high debt-to-income ratios, and FHA and VA loans for low credit. He’s not the type to give up.

Testimonial From a Borrower:

“Dale stood on my side even when others waved the white flag. He didn’t just get me a stamp of ‘okay’—he gave my family a welcome home.”

– Michael K., VA borrower.

Mortgage Support, Operations, and Processing Team

Who They Are: Our processors are the silent heroes at Gustan Cho Associates. They check the paperwork, keep loan files on the right side of the law, and act as the glue between borrowers, loan officers, and underwriters.

Client Testimony:

“The team processed my application faster than I expected. I never had to ask for updates—everything was clear from the start, and we closed the loan early.” — Angela R., Conventional Loan.

Why Families Trust Gustan Cho Associates

Lender Guidelines, Not Extra Hurdles

We lend only according to the original agency lending guidelines set by FHA, VA, USDA, Fannie Mae, and Freddie Mac—so you never face “bonus” rules or needless denials.

Fast Closings, Clear Tracking

Most mortgages are completed in 21 days or less. Our staff follows the same clear steps; you can always see where we are.

Family-First Atmosphere

You’re not an application number. You’re an individual. Whether you’re buying your first home or refinancing after a rough time, we walk beside you.

Questions Borrowers Ask Most About Gustan Cho Associates

Who Are We, Really? – Gustan Cho Associates

When you talk to a mortgage lender, you may ask, “Who are you?” We get that a lot at Gustan Cho Associates. Most of the time, those asking are clients who are told “no” by everyone else.

We aren’t just any mortgage broker. We are a committed team that believes owning a home shouldn’t be a distant dream for anyone.

As a dba of NEXA Mortgage, LLC (NMLS 1660690), our reach covers 48 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands (MA & NY Pending). We’re the folks in Oakbrook Terrace, Illinois (Branch NMLS 2315275). However, the network operates coast to coast—closing loans that felt hopeless elsewhere. In fact, 80% of our clients come to us only after receiving a denial from other lenders.  

Our Mission and Know-How

Helping people with tricky financial profiles is our specialty. Whether it’s a 500 FICO score, sky-high debt-to-income ratios, a recent Chapter 13 bankruptcy (even still active), or income from freelance work nobody else will count, we find a way.

We have no lender overlays on FHA or VA loans and no on conventional loans that others fear. Our portal to more than 280 wholesale lenders opens doors to FHA, VA, non-QM, and bank statement loans.

So, whether you are a first-time buyer, a service member, o914r a comeback champion from a financial setback, you’ll find straightforward, real-time guidance from a lender that never stops working for you.

Meet Our Team

Every member of our licensed lending squad brings years of know-how:  

• Gustan Cho (NMLS 873293): The founder who built our playbook on mastering manual underwriting and untangling tough deals.
• John Strange (NMLS 230932): Senior Mortgage Loan Originator, with 30-plus years of hammering out VA loans and coaching clients with credit bumps.
• Mike Gracz (NMLS 1160212): Veteran originator and associate editor who seals FHA and VA loans, travel-locked or credit-crunched, and champions Chapter 13 borrowers.
• Rhonda Smith (NMLS 1502981): Alabama-based and dedicated to switching mortgage lingo into clear plans for first-time buyers and trickier loans.
• Ethel Matthews (NMLS 2352355): South Carolina star who wears two hats: licensed realtor and originator, making buying and budgeting straightforward.
• Anant Patel (NMLS 2699145): An originator with a knack for saving deals others tossed, tapping our far-reaching lender network to craft out-of-the-box fixes.  
• Tahnia Romero NMLS 

Why Borrowers Choose Us

When borrowers ask, “What’s the real story?” after so many “no’s,” we share our “yes“ with proof:  

• We’re Here for You: You can reach a live team member at (800) 900-8569 or gcho@gustancho.com every day, evenings, and holidays.
• You Come First: No jargon.
• We walk through each option: an FHA while in chapter 13, or a hybrid loan two months after a foreclosure.
• Proven Results: Our team has an A+ rating from the BBB and rave reviews on Google, Zillow, and Yelp.
• You’ll see the same story when you read client testimonials.
• We convert denials into approvals daily.  

Claudia Pagaza is a perfect example. She was facing a divorce and a Chapter 13 bankruptcy, and still, we moved her to yes. Or consider Gina, who won an FHA loan appraisal even while in a Chapter 13 bankruptcy payment plan. Gamers come to us once rejected, and we figure out the pathway. So if the doors seem locked or your score lags, meet the team that refuses to be out of habit. We help you own your place. Call us now to see the next step forward.

We’re a full-scale broker—part of NEXA Mortgage, NMLS #1660690—offering traditional and “non-QM” loans. Overlays are not part of our model.

What Do “No Lender Overlays” Mean at Gustan Cho Associates?

At Gustan Cho Associates, part of NEXA Mortgage, LLC (NMLS 1660690), we use the term “no lender overlays” to describe a key policy—and it’s especially important for the 80% of our clients who’ve been turned away everywhere else.

• So, what is it? It’s simple: We stick to the basic guidelines set by FHA, VA, USDA, and conventional programs without adding the extra hoops other banks expect borrowers to jump through.
• No extra credit, income, or asset rules that complicate the process.
• By doing that, we can approve and close loans for borrowers who don’t fit the cookie-cutter mold.
• Whether you have a FICO score as low as 500, a high debt-to-income (DTI) ratio, or an active Chapter 13 bankruptcy, we can still find a path for you.
• At the same time, other lenders give you a no.

What Are Lender Overlays?

• When shopping for a mortgage, you’ll run into a term called “lender overlays.”
• These are extra rules that a mortgage company decides to use in addition to the official guidelines set by the FHA, VA, or Fannie Mae/Freddie Mac.
• Please think of the official rules as a checklist everyone gets, and overlays as extra questions mortgage lenders add for their protection.
• Yet, the added questions can sometimes trip up borrowers who thought they’d qualify.

Here’s a Closer Look

• FHA Official Rule: FHA says you can qualify with a credit score 500 if you put at least 10% down or 580 with 3.5% down.
• The program even allows a borrower in Chapter 13 bankruptcy to be underwritten manually 12 months after starting repayment.
• Typical Overlays: In practice, many lenders raise the benchmark by asking for a minimum score of 620 or even 640.
• They may also impose a mandatory two-year pause after a bankruptcy discharge or set a 43% cap on your debt-to-income (DTI) ratio, even if FHA allows higher ratios if you provide compensating factors.
• When overlays kick in, borrowers may be denied even when they meet the agency guidelines.
• At Gustan Cho Associates, we stick to the core FHA, VA, and Fannie Mae/Freddie Mac rules.
• That way, we clear unnecessary hurdles and boost the chances you’ll get the mortgage you need.

Why “No Lender Overlays” Matters to You

At Gustan Cho Associates, the “no lender overlays” policy lets us say “yes” when others say “no.”

Here’s The Real-World Impact For Our Clients:

• Lower Credit Acceptances: FHA loans can close with scores starting at 500 (10% down) or 580 (3.5% down). In contrast, VA loans follow the same low-bar policy, meaning we don’t layer on tougher score minimums.
• Relaxed Debt-to-Income Limits: FHA and VA allow DTI over 56.9%, and so do we, using the health of your overall finances on the application to justify the stretch.
• A stable job and cash reserves can tip the balance.
• Faster Comeback After Bankruptcy or Foreclosure: If you’re currently in a Chapter 13 and haven’t missed a payment for 12 months, there’s a path.
• Or you may close on the same day as a traditional or non-QM loan discharge.
• Other lenders may ask you to sit for two years or sometimes four.

Human Underwriting for the Unorthodox

Automatic systems can’t always recognize the solid borrower you are if your file has quirks. Our manual review arm—led by licensed pros Gustan Cho (NMLS 873293), John Strange (NMLS 230932), Mike Gracz (NMLS 1160212), Rhonda Smith (NMLS 1502981), Ethel Matthews (NMLS 2352355), and Anant Patel—examines your overall picture to find strengths that screens could miss.

Non-QM and Alternative Loans

Suppose you’re self-employed or have a varying income. In that case, we can pair you with non-QM and bank statement loans that skip the strict extras most banks impose—like that pesky two-year tax-return rule.

Here’s How We Do It

At Gustan Cho Associates, licensed in 48 states (sorry, New York and Massachusetts), plus DC, Puerto Rico, and the U.S. Virgin Islands, we team up with over 190 wholesale lenders. Together, we hunt down the best-fit loan for you. Thanks to our no-overlay guarantee and one-of-a-kind lender network, we scour options with the easiest criteria. Check out these real-life wins:

• A 520 credit score and a Chapter 13 bankruptcy in the middle meant denial after denial.
• But we secured an FHA loan after only one year of the repayment plan.
• A self-employed borrower went to the bank and was turned down for a conventional mortgage because the tax transcript didn’t match the income.
• We used bank statements instead, and that loan closed in weeks.

Based in Oakbrook Terrace, Illinois (NMLS 2315275), our team is here for you every day of the week, including nights and holidays. We’ll walk you step by step through the entire loan process. If you’ve been turned away in the past because of credit issues, a high debt-to-income (DTI) ratio, or a recent bankruptcy, our no-overlay policy kicks in. We look at the standard guidelines—not extra, made-up rules that lenders sometimes add—so you get a fair shot at the loan you need.

Real Client Impact

Listen to our clients tell the story of our no-overlay approach:

“After my Chapter 13 and divorce, lenders told me I couldn’t refinance. Gustan Cho Associates got me the loan, and they walked me step by step through the process.”

Claudia P., South Carolina

“I have a 720 score and still my credit union demanded I wait two years after Chapter 13. With manual underwriting and no overlays, Gustan Cho approved my FHA loan on the spot.”

Anonymous, North Carolina

“My Chapter 13 was still open, so most places denied me. Gustan Cho came through with an FHA loan after just 12 months, no overlays, and no pressure.”

Gina Schroeder, Wheeling, Illinois

Why Partner with Gustan Cho Associates?

We look at the entire picture, not just the numbers. Eight out of ten borrowers find us after being turned away somewhere else. We are more than a broker—we are your advocate. Our A+ rating with the BBB and dozens of five-star reviews on Google, Zillow, and Yelp show we deliver what we promise: no overlays, just results.

FHA, VA, USDA, or a non-QM loan, our team crafts solutions for every story. Call us today at (800) 900-8569 or drop a note to gcho@gustancho.com. We’ll make it happen.

Contact us today if any other lender has said “no” to you. We can show you how our no-lender-overlay plan can make your dream of owning a home come true. This means we accept the same rules you can read on government sites, without layers of internal “bonus” restrictions.

Can I Still Get Help After Another “No”?

Definitely. More than 80% of our loans started after another lender said “no.” When we say “yes,” we mean your path to a mortgage is clear.

Meet Our Team: Senior Licensed Mortgage Loan Officers & Team Leaders

• Gustan Cho (NMLS 873293)
• Chad Bush (NMLS 2044239)
• Alex Carlucci (NMLS 229891)
• Dale Elenteny (NMLS 1936359)  
• John Strange (NMLS 230932)
• Anant Patel (NMLS 2699145)
• Rhonda Smith (NMLS 1502981)
• Tahnia Romero (NMLS )
• Mike Gracz (NMLS 1160212)
• Ethel Matthews (NMLS 2352355)
• Sonny Dolphus Walton (NMLS 1971096)

Do You Offer Online Tools?  

Absolutely! You can use Gustan Cho Associates’ online best mortgage calculators anytime, or chat with specialists on the GCA Forums.  

How Fast Can I Close a Loan?  

Most loans close in 21 days or sooner if your documents are ready on time.  

What Loan Programs Do You Specialize In?  

We offer FHA, VA, USDA, Conventional, Jumbo, and a variety of Non-QM loans, such as bank statements, DSCR, ITIN, and no-doc.  

Do You Serve All States?  

Gustan Cho Associates is licensed in 48 states, D.C., Puerto Rico, and the U.S. Virgin Islands. (MA and NY pending).  

Would You Happen to Know How I Should Apply?  

You can start your online mortgage loan application or call our team to get the process rolling.  

Why Choose Gustan Cho Associates?  

We say yes when others can’t. Our team enjoys the challenge of tough cases and is dedicated to helping you become a homeowner.  

Join Gustan Cho Associates (Branch NMLS# 2315275: Company NMLS #1660690). Meet our licensed officers, read borrower stories, and discover why people choose us for FHA, VA, Conventional, Non-QM loans with no overlays, and business and commercial loans.