Mortgage Lender With No Overlays

This Article On Nicholas Ferrante Specializing As A Mortgage Lender With No Overlays Was Written By Gustan Cho NMLS 873293

Nicholas Ferrante and Michael Gracz are licensed mortgage loan originators of the Rapid Response Group of The Gustan Cho Team CrossCountry Mortgage and a team leaders with Gustan Cho Associates . Both Mike Gracz and Nicholas Ferrante have over a decade of mortgage experience. Both Michael Gracz and Nicholas Ferrante have done everything in the mortgage business, from cold calling, to sending out mailers, to blogging, to writing articles to major publications, to processing, to underwriting, getting files ready for a clear to close, and funding the mortgage loan. Nicholas Ferrante is also the Training and Marketing Administrator at The Gustan Cho Team at CrossCountry Mortgage Illinois location. Nicholas Ferrante is the person who welcomes a new employees to our organization and sets them up with the licensing process as well as their credentials. Nicholas Ferrante is extremely knowledgeable with tax return analysis as well as qualifying self employed mortgage loan borrowers. Both Nicholas Ferrante and Michael Gracz work closely with Gustan Cho’s direct assistant, Trisha Mangiaracina and handles and services a majority of Gustan Cho’s mortgage loan borrowers as well as Gustan Cho’s realtor partners.

Expertise As Mortgage Lender With No Overlays

Both Nicholas Ferrante and Michael Gracz are experts in the following:

  • FHA Loans
  • FHA 203K Loans
  • VA Loans
  • USDA Loans
  • Jumbo Mortgages
  • Reverse Mortgages
  • NON-QM Loans

As a mortgage lender with no overlays and being a senior team member at Gustan Cho Associates , both Mike Gracz and Nicholas Ferrante of the Rapid Response Group at The Gustan Cho Team at CrossCountry Mortgage has handled some of the toughest mortgage loan applications ever.  Here are the type of loan scenarios that both Mike Gracz and Nicholas Ferrante are experts in:

  • Helping borrowers with credit scores under 600 FICO
  • Helping borrowers with unpaid collections
  • Borrowers with prior bankruptcy and foreclosure
  • Borrowers with high debt to income ratios
  • Borrowers with gaps in employments are everyday mortgage files for Nick Ferrante and Mike Gracz.
  • Both Nick and Mike handle more FHA 203k Loans in the state of Illinois as well as the rest of the country than any other licensed mortgage loan originators.
  • The top producing Illinois mortgage loan originator who has closed more FHA 203k Loans than Michael Gracz and Nicholas Ferrante of The Gustan Cho Team at CrossCountry Mortgage is Bob Vogel, who is a managing member at Gustan Cho Associates  and is known nationally by mortgage industry experts as King of the FHA 203k Loan.
  • Bob Vogel is a national FHA 203k Expert who many real estate professional and national real estate and mortgage companies go to for his expertise in FHA 203k Loans and his 20 plus years in the real estate, mortgage, accounting, and construction industry.
  • Gustan Cho Associates has national FHA 203k Rehab Lending Programs from coast to coast throughout the year.

More On Michael Gracz And Nicholas Ferrante: Mortgage Lender With No Overlays

Nicholas Ferrante, Michael Gracz, and Bob Vogel know what borrowers expect of them and exceeds their expectations. Nick Ferrante, Mike Gracz, and Bob Vogel always prides themselves on working to continually advance their relationships with their mortgage borrowers, whether former or current or future. “I love meeting new people and building long lasting relationships,” says Mike Gracz. “I am very big on relationship-building, and I make worthwhile introductions to people in my network every day.” Nicholas Ferrante also credits CrossCountry Mortgage  “incredible support team” as a foundation for his success. “My clients are amazed at how fast we close deals.”  Nick, Mike, and Bob is associated with Gustan Cho Associates and is available 7 days a week for his clients.

Conventional Mortgage Lender With No Lender Overlays

Besides being a leader and expert in FHA, VA, USDA residential mortgages, Bob Vogel, Nick Ferrante, and Mike Gracz are experts on Conventional Loans.  Nick Ferrante originates more Conventional Loans than any other loan officer in The Gustan Cho Team at CrossCountry Mortgage  and is also known as the King of Fannie Mae and Freddie Mac. Many of Nicholas Ferrante’s clients includes the following:

  • Real estate investors
  • Real estate rehabbers
  • Property flippers who need short term fast financing to acquire, rehab, and flip properties.
  • With investors who need short term bridge financing due to the property not being financable due to needing repairs, Mike Gracz, Nick Ferrante, and Bob Vogel with our NON-QM Loan Programs
  • The Gustan Cho Team has correspondent relationships with local lenders throughout the count and will arrange short term financing through portfolio loans through local banks and after the rehab is done, the team will then arrange long term financing with CrossCountry Mortgage at lower mortgage rates and the best mortgage terms available in the market.

In addition to his career, Nicholas Ferrante, Bob Vogel, and Mike Gracz enjoy water sports and always studying and researching the newest mortgage lending guidelines so she is always on top of the latest mortgage regulations.

Contact The Gustan Cho Team Today

The Gustan Cho Team at CrossCountry Mortgage are available 7 days a week, evening, weekends, and holidays. Customer service to our borrowers is the number one mission and priority of our team. If you have any questions or need a national lender with no lender overlays, contact us at 262-878-1965 or text Gustan Cho at 262-716-8151. You can also email us at

The information contained on Gustan Cho Associates website is for informational purposes only and is not an advertisement for products offered by The Gustan Cho Team @ Gustan Cho Associates or its affiliates. The views and opinions expressed herein are those of the author and/or guest writers of Gustan Cho Associates Mortgage & Real Estate Information Resource Center website and do not reflect the policy of Gustan Cho Associates Lenders Network, its officers, subsidiaries, parent, or affiliates.

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