Meet Our Team

Meet our team at Gustan Cho Associates at Gustan Cho Associates. Gustan Cho Associates powered by NEXA Mortgage, LLC NMLS 2315275 are mortgage brokers licensed in 48 states (Not licensed in New York and Massachusetts). NEXA Mortgage dba Gustan Cho Associates is headquartered in Chandler Arizona with its regional offices in Oakbrook Terrace, Illinois. Gustan Cho Associates, also known as Gustan Cho Associates was founded in 2012.  NEXA Mortgage, LLC, was created in 2017. Gustan Cho Associates merged with NEXA Mortgage in February 2022. Gustan Cho Associates has a national reputation for having a business platform of having no lender overlays on government and conventional loans and being able to do loans other lenders cannot do. Gustan Cho Associates has access to hundreds of non-QM mortgage programs such as non-QM loans, bank statement mortgages

  • Gustan Cho Gustan Cho NMLS #873293 Branch Manager | National Managing Director Gustan Cho NMLS 873293 is in charge of the operations and personnel of Gustan Cho Associates Empowered By NEXA Mortgage LLC,  Oakbrook Terrace, Illinois Branch. Gustan Cho Associates is a dba of NEXA Mortgage LLC (not a dba in the state of Georgia). Gustan’s email is and his cell number is 262-627-1965.
  • Alex Alex Carlucci NMLS #229891 Regional Managing Director

    Alexander Thomas Carlucci is one of three regional managing directors at Gustan Cho Associates Alex Carlucci’s duties as a regional managing director are being an advisor between Gustan Cho Associates  Group, Inc. and corporate headquarters at NEXA Mortgage LLC in Chandler, Arizona. Alex is also a top-producing mortgage loan originator.

    He is an expert in helping borrower qualify and gets approved for home loans with credit scores down to 500 FICO. Alex is an expert on all non-QM and non-prime mortgage loan programs at Gustan Cho Associates Alex helps with training experienced and new loan officers onboarding to Gustan Cho Associates Alex’s number is 630-915-7550. For a faster response, text Alex Carlucci.  Alexander Carlucci can be reached at

  • Michael Gracz Michael Gracz NMLS #1160212 Senior Loan Officer | Loan Officer Assistant

    Mike Gracz is a seasoned veteran licensed mortgage loan originator as well as a loan officer assistant to Gustan Cho NMLS 873293. Mike Gracz NMLS 1160212 is also an associate contributing editor at Gustan Cho Associates Mike’s expertise is being able to do FHA and VA loans with credit scores down to 500 FICO, manual underwrite, and helping borrowers who could not qualify at other mortgage companies. Mike is also a team leader and former National Sales Manager at Gustan Cho Associates.

    As a loan officer assistant to Gustan Cho NMLS 873293, Michael Gracz is able to assist Gustan Cho with originating loans in 48 states, including DC, Puerto Rico, and the Virgin Islands. Mike’s contact information is You can reach Michael Gracz on his cell at (800) 900-8569. Text Michael for a faster response.

  • Dale Dale Elenteny NMLS #904444 Regional Managing Director

    Dale Elenteny is one of three regional managing directors at Gustan Cho Associates Dale is a top-producing mortgage loan originator. Dale brings almost 30 years of experience in the mortgage business to Gustan Cho Associates.  A mentor to Gustan Cho NMLS 904444 when he first got started in the mortgage business in April 2012, Dale has mentored hundreds of loan officers throughout the years. Dale’s passion is to help clients who recently got denied a mortgage due to the lender having overlays.

    Dale Elenteny will analyze the client, look at all angles, and if he believes the borrower has the ability to repay their mortgage and meets the minimum agency guidelines, Dale will find a way to make it work. Dale’s expertise in tough deals comes naturally because he has first-hand knowledge of difficult deals through his many years as a wholesale rep for multiple wholesale mortgage lenders. Dale can be reached on his cell at 630-479-2719. Text Dale Elenteny for a faster response. Or email Dale at

  • Sapna Sharma Sapna Sharma Chief Technical Officer | Web Designer and Developer

    Sapna Sharma is Gustan Cho Associates’s Chief Technical Officer and Website Designer and Developer for all of the Gustan Cho Associates websites and affiliate media marketing platforms. Sapna is responsible for third-party contractors and vendors involved with the front-end and back-end technical aspects of all of Gustan Cho Associates digital media technology and systems.  Ms. Sharma heads all of the day-to-day operations and maintenance of our internal and external IT systems and has an integral role as a team leader in our mortgage and real estate news division. Sapna Sharma’s contact information is

  • John Parker John Parker National Managing Partner of Business Development
  • Meet Our Team Margarett Jurilla Executive Assistant & Operations Manager

    Marga Jurilla is the Executive Assistant for Gustan Cho and Eric Jeanette. Margarett Jurilla is the eyes and ears of the operations at Gustan Cho Associates  Marga is the go-to person if any licensed and/or support personnel has a problem that needs to get resolved or answered. Marga knows how to navigate the water at both Gustan Cho Associates headquarters as well as corporate headquarters.

    Margarett strongly believes knowledge is king. Even though she has expertise in every single aspect at Gustan Cho Associates Oakbrook Terrance, Illinois regional headquarters, Marga feels getting her NMLS license will further her career in the ever-regulated and often confusing mortgage industry.  Marga is currently studying to get her NMLS license and should be licensed in a matter of a few months. Her duties also include being the personnel director of all third-party contract employees, loan officer assistants, and virtual assistants.

    Instead of listing her duties and scope of work, it is easier to post what she does not do. Marga assists the branch manager and senior managers at Gustan Cho Associates in running the branch and is the ambassador between the branch and corporate headquarters in Chandler, Arizona.  Marga can be reached at

  • Charlotte Hopper Charlotte Hopper Associate Contributing Editor

    Charlotte Hopper has a four decade history of teaching the English language at all levels and to all nationalities, both inside and outside of the United States. Starting  in the 70's, Charlotte began studying teaching, was credited with a degree in Montessori Early Learning and began setting up small schools in Latin  America, where she lived for 30 yrs. While in Brazil, she was a contributing editor for an international subscription magazine, Contato. She worked in various English language schools both in Brazil and Tampa. At Tampa Language Center, she taught adults from all nationalities to speak, read and write the English language. Along with writing for Gustan Cho Associates various websites, updating and enhancing necessary documentation, and contributing as an associate editor and blog writer, Charlotte’s aspirations are to grow as quickly as possible in the real estate/mortgage field, with a goal of Chief Editor. By taking advantage of her wealth of knowledge and experience in the English language, Charlotte will go far in Gustan Cho Associates.

  • Ravinder Ravinder Sharma SEO Analysts
  • Ronda Butts Ronda Butts NMLS #1444654 Mortgage Loan Originator | Realtor-MLO Dually Licensed Director

    Ronda Butts is a licensed NMLS mortgage loan originator and licensed real estate agent in Florida. Ronda has extensive experience in helping homebuyers find the special home of their dreams. As a veteran real estate agent, Ronda has extensive knowledge and experience in many counties in Florida.

    Ronda is well connected with local home builders and knows how to negotiate for her clients on the real estate side as well as prepare her client for a smooth mortgage loan process as a mortgage loan originator. Ronda Butts can be reached at Ronda’s cell number is 407-460-7999. Text Ronda for a faster response.

  • Meet Our Team Angie Torres National Operations Director
  • April Ramirez April Ramirez Team GCA General Executive VA
  • John Strange John Strange NMLS #230932 Senior Mortgage Loan Originator

    John has over three decades of experience that he loves to apply to each transaction, which translates into incredible guidance in the loan experience. As much as he truly enjoys the mortgage origination process, nothing is better than the great feeling of co-creating a great memory during the buying or refinancing journey. His success comes from exercising a high level of due diligence upfront that allows him to carefully consider all of your options. He looks forward to guiding you through your financing journey!
    Phone: (630) 292-0266

  • Ethel Matthews Ethel Matthews NMLS #2352355 Mortgage Loan Originator | Dually Licensed Realtor

    Ethel Matthews is a licensed NMLS mortgage loan originator and a licensed real estate agent in South Carolina. Ethel has extensive experience in helping homebuyers find and purchase the home of their dreams. She is well connected in the real estate industry and knows how to negotiate for her clients on the real estate side as well as prepare her clients for a smooth mortgage loan process as a mortgage loan originator. Ethel Matthews can be reached at Ethel’s cell number is 843-356-5381. Text Ethel for a faster response.

  • Amanda Witthauer Amanda Witthauer NMLS #2301213 Realtor/MLO

    As an MLO/Realtor  I establish my services on a foundation of integrity, honesty and a whole lot of passion. I’m a respected real estate and mortgage professional who aims to make home financing fun, seamless and cordial for everyone involved.

    I am a licensed Real Estate Agent as well as a Licensed Mortgage Loan Originator.  I have extensive and unique experience in several fields including law, mediation, negotiations, contracts, and real estate investing.  This experience has been invaluable to all of my clients in both the real estate and mortgage loan career.  To be able to understand both sides of the transaction is truly unique.   I enjoy every moment of leveraging that experience to ensure my clients succeed as they navigate home ownership. It is my passion to make people’s homeownership dreams come true. When you work with me, you’ll receive high-touch service with education and communication throughout the entire home financing process.

    As a professional driven by mission excellence, nothing makes me happier than delivering my clients the  support, service, and results they innately deserve. I have a genuine passion for ensuring those who work with me gain the best options possible and to ultimately be an unbiased advocate that positions them to succeed. I’m committed to going above and beyond for my customers and exceeding expectations every time.
    When I’m not working, I enjoy spending time with my husband and children. We enjoy boating, four wheeling, camping, swimming, hiking, coaching basketball, and watching the kids play sports.

  • Kingsley Ifezue Kingsley Ifezue NMLS #1968433 Loan Officer, Real Estate Broker Consultant

    Understanding every aspect of the financial lending industry is Kingsley’s passion and he strives to keep up with relevant technology to stay ahead of the ever-changing market.

    Kingsley graduated from L’ Ance Creuse Public Schools with honors and was placed on the National Honor Society of 2003. While there, Kingsley also received The Family Memorial Scholarship and the Outstanding Academic Achievement Award.

    After getting his associate degree in Business, Kingsley joined the Army Reserves. While in the Reserves, he graduated at the top of his military class and received the Distinguished Honor Graduate Award.

    Kingsley would then go on to be elected to the Board of Directors of the Michigan Movers Association where he served two terms. He also holds a Real Estate brokers license and manages an office with 18 agents as well as a property management acquisitions company.

  • Angela Canady Angela Canady Realtor

    Hi! I’m Angela Canady, an experienced Real Estate Professional with 29+ years in the industry, with the most recent as a Realtor in Real Estate Sales. I am currently enjoying serving clients in Nashville and the surrounding Market. Prior to moving to the area, I served clients in the South Florida Market where I am still licensed as Real Estate Sales Agent. My personal and professional goals are to continue to improve upon my skills and knowledge as I complete the requirements for my RE Broker and Mortgage Broker licenses.

    My industry background has afforded me the opportunity to develop an extensive skillset to better understand and serve my clients in all aspects of customer service, communication, follow through, and to navigate through some tough negotiations, creating a WIN WIN outcome!

    I model my business around the mindset of not helping people buy or sell real estate, but just helping people achieve their goals, whatever those goals may be within the real estate sector, all while building some long lasting friendships along the way.
    As a Wife, Mom to 6 Kids (including 3 fur babies) and a Grandma to 5 grandbabies, when I’m not working you can usually find me reading, spending time with my family, fishing, kayaking or doing absolutely anything outdoors.
    So if your buying, selling, or investing I am here to partner with you, answer your questions, and work to help resolve any problems that may arise in your transaction.

  • David David Marden NMLS #1833314 Licensed Designated Managing Broker And Loan Originator

    With over two decades of experience in the real estate and property management industry, David is dedicated to helping his clients navigate the complex world of home buying and real estate investment. He understands that purchasing a home is one of the most significant financial decisions you’ll ever make, and he works tirelessly to ensure that every client receives the personalized attention they deserve.

    As a licensed Designated Managing Broker in Illinois and loan originator (NMLS #1833314), David has the expertise to help you find the perfect home and secure the best financing options available. Whether you’re a first-time homebuyer or a seasoned real estate investor, David will guide you through the entire process, from the initial search to the final closing.

    What sets David apart from other realtors and loan originators is his unwavering commitment to his clients. He takes the time to understand their unique needs and goals and then works tirelessly to help them achieve their dreams of homeownership. So, if you’re ready to buy a new home or refinance your existing mortgage, don’t hesitate to contact David Marden. With his knowledge, experience, and dedication to his clients, he is the perfect partner to help you achieve your real estate goals.

  • Zack Hoyer Zack Hoyer NMLS #2471880 Business Development Manager, NMLS Dually Licensed Realtor | MLO
    Zack draws on his 20 years combined experience in sales, marketing, and real estate to help his clients get a great house at a great price. As a second generation realtor, he knows how to navigate his clients through any situation with confidence.

    It was by going through his own struggle with credit, and even a bankruptcy in his twenties, that Zack spent hundreds of hours researching and reading to learn all things credit and was able to purchase his own home by himself by the time he was 30.

    After using these same strategies to help numerous friends and family build or rebuild their credit, Zack realized that his passion was using this knowledge to help people get qualified to buy a home when other lenders have turned them down, or told them “Call me when you fix your credit score.”

    Call Zack today and he will coach you on what to do, step-by-step, until he gets you approved to buy your dream home!

    Phone- 530-368-1662
  • Meet Our Team Jerry Phimsavanh
  • Joe Joe Betro Conventional, VA, DSCR, and Bank Statement Advisor

    Meet Joe Betro, aka “The Above Average Joe,” the mortgage industry maven with over eight years of experience. He won’t claim to be perfect, but he sure knows how to keep those loans moving, drop mortgage knowledge bombs, and respond like a champ. He’s so dedicated, he’ll work until his phone dies from exhaustion.

    Joe cut his teeth as a retail loan officer for the biggest mortgage lender in Detroit, but he came to his senses and moved to the wholesale channel, where he’s been crushing it for the past four years. And he’s got brains to boot – he’s married to a corporate finance attorney at a big three auto company, so he’s definitely not winning any arguments with the Wife, but he’s probably smart enough to close your loan.

    Oh, and did we mention he’s got a boat and lives on a lake? If you’re ever in “The Mitten,” make sure you swing by during summer and get ready to hit the lake with Joe. He’s the man with the plan and the boat.

  • Alaina Phillips Alaina Phillips

    Hi! My name is Alaina, I’m a licensed NMLS loan originator and licensed real estate agent in Florida. I have experience as a loan officer assistant and processor in the mortgage industry. I have assisted with home loans such as FHA, VA, but mostly foreign national loans. My personal and professional goals are to be as knowledgeable and supportive as I can while helping you with your home loan.

  • Sarah Wu Sarah Wu Associates Contributing Editor

    Sarah is the visionary founder of Jade & Sterling, a boutique digital marketing agency based in London. With a strong focus on delivering exceptional results, the agency specializes in various areas such as performance-based SEO & web design, lead generation, and comprehensive lead management solutions. Alongside her role as the agency’s founder, Sarah has also served as an associated content producer for Gustan Cho NEXA Mortgage, where she demonstrates unwavering dedication to elevating the company’s online presence and brand visibility through high-quality content marketing and effective keyword strategies.

Leave a Reply

Your email address will not be published. Required fields are marked *