Reviews & Testimonials Of The Gustan Cho Team

Read Customer Reviews And Testimonials About The Gustan Cho Team @ Gustan Cho Associates And Learn About The Great Experiences That Our Clients Have Had With The Mortgage Process, Whether Borrowing A Loan To Buy A New Home Or Refinancing A Current Home Loan.

Below reviews are taken from Gustan Cho Zillow profile. Each review is our happy client in the past 3 years of serving our customers. You can read them by going to zillow reviews

Blake Moilan: Texas

1/24/2017

Promised and delivered!

zuser20140524220558055 from 76131: Zillow Review

We contacted Gus after having an issue with our first lender. We were scheduled to close on December 30. On December 29, I got a call from our first lender that they would not be able to finance our loan because of a drop in our credit scores. This drop was partly because of two disputes that were on our credit report and discovered very late in the process. I began researching disputes and found an article written by Gus about how disputes should be taken off before pre-approval. I contacted Gus to share our story with him. Within minutes, he emailed me back and wanted to talk. He promised me that we could get the loan done and close very quickly. He told me exactly what needed to be done and raised our scores back immediately. I was very skeptical, especially after our first experience! Gus promised it would get done and he delivered. We closed on our house on January 19! Don’t give up, contact Gus and see if he can help your situation. Thank you Gus for believing in us and getting our loan done!!!

Juanita Hawkins: Troy Michigan

Gustan Cho – My mortgage lender lender is undeniably NUMBER ONE!! He is highly capable, professional, transparent and knowledgeable when it comes to the mortgage and financial arena.  He knows the mortgage business inside and out. Gus was always responsive, informative and friendly.  He is an advocate for consumers with a variation of credit issues. I put my trust in Gus and he definitely came through for me. He really went the extra mile!! Working with Gus and his staff has been the best loan experience I have ever had with a lender.  He is “second to none” and stand above the rest.  ABSOLUTELY PHENOMENAL!!!

Tom Pillitu: Seattle Washington

Amazing Experience with Gustan Cho Associates

thomasep82 from 98133 | worked with Gustan Lee Cho 10/11/2016

I can’t thank Gustan Cho of The Gustan Cho Team @ Gustan Cho Associates enough for his committed efforts during my loan process. He always puts the borrowers needs first and keeps details clear throughout, no runaround with this team.

I highly recommend going through Gustan Cho Associates for any mortgage transactions, they will advise you based on your individual situation and get the best deal possible!

Great experience!

Thanks so much Gus!!

Tom Pillitu

LOAN STATUS In progress

LOAN TYPE Refinance

SERVICE DATE Oct 2016

Victor Solis: Joliet Illinois

I just previously closed on a home with Gustan Cho as my loan officer. The house we closed on was perfect for my family and I. 4br 2 bath 1 car garage and for the price on this house it was almost too good to be true. Before I met with Gustan Cho I must of met with at least 5 different mortgage lenders which included mortgage brokers, bankers, loan officers from credit unions and Quicken Loans, and they all wouldn’t even give a try to see if I could get approve for this home there answer where simply that I did not qualify because my debt to income ratio was too high or the property taxes on the home I was buying taxes was  too high and the most popular reason by most of the loan officers was to get a lower priced home..  Then, the sellers real estate agent who had the property listed knew how much my wife and wanted to purchase this home and introduced me to Gustan Cho of The Gustan Cho Team @ Gustan Cho Associates. She told me that Gustan Cho was also the Editor in Chief of Gustan Cho Associates Mortgage & Real Estate Information Resource Center and gave me the website of Gustan Cho Associates. I spent all weekends reading Gustan Cho’s blogs on his website and I have learned so much. I decided to email Gustan Cho and did so on a Sunday afternoon and was expecting a call back or email response back the next day which would be a Monday. However, I got a response email back within fifteen minutes and asked me if I was available. I responded back yes and he called me within minutes.  When I spoke to Gustan Cho of Gustan Cho Associates,  the word no or impossible doesn’t even existed in his vocabulary. From the very beginning all I heard from Gustan Cho is we were going to get this deal done. Gustan Cho knew exactly what to do. He was extremely Knowledgeable and knew exactly what to do and how to work the loop holes to get this deal done. I knew from the very beginning this wouldn’t be no easy loan. as already mention our debit to income ratio was too high for this home. the taxes where high which didn’t help the cause, and mortgage rate where rising. Gustan Cho knew our debt to income ratios were very high. Gustan Cho told me that he needed to get our debt to income ratios no greater than 56.9% but ours were 60%. Gustan Cho is amazing because he came up with a plan to get our DTI down to 55% by referring us to an insurance agent he knows, Rashad Carmichael who owns Insurance Plaza and is currently a loan officer with The Gustan Cho Team. Our insurance premium was lowered from $1,400 per year to $700 because Rashad Carmichael told us that by insuring all of our vehicles with him and our health policies, he can get us a substantial discount on our homeowners insurance. Gustan Cho then contacted both my realtor and the listing agent and had a conference call with them where he told them that in order to make this deal to work, that the sellers needed to give me a 6% sellers concession because he was going to use all of it to buy down my rate so my monthly principal and interest payment will get reduced to meet the minimum debt to income ratio requirements of 56.9%. He got approval from his mortgage company to buy down the rate substantially with the 6% sellers concessions and bought 6% in discount points where my rates were reduced by almost 1.0%. He was extremely creative. Gustan Cho is an ANGEL and cannot believe he took the time personally with me and my wife to make my dream come true. Gustan Cho is an Area Manager and had a lot of loan officer who report to him and work for him but he took the time personally to work this deal out himself. Gustan Cho’s direct assistant was Bob Vogel, his nickname was Magic Bob, and he was extremely helpful and is Gustan Cho right hand man. Most lenders at this time didn’t even offer any solutions and did not even care and just shrugged us off but Gus was able to do it..  We finally got a clear to close and everyone at the closing table was surprise and wanted to meet Gustan Cho.  As a matter of fact , at the closing almost everyone in the room was surprise Gustan was able to get this low of a mortgage rate at a fix rate and how creative he was in getting my loan closed.. One of the comments even made in the room was they haven’t close on a rate this low in over a year and have never ever met a mortgage professional who was tenacious as Gustan Cho.  My wife and I are in great debt to Gustan Cho of The Gustan Cho Team.. He got us our first dream home and at a price and rate we could afford. If you tried everywhere else and no one can help you than you need to speak with Gus. Gus just literally got a CTC yesterday for a friend of mine in a similar situation. Also Gus work with an amazing loan processor Patricia Celli Marino whom makes the transactions as smooth as possible. With their help I’m sure there’s no loan they can’t close on. Till this day Gus and I still speak and always check in on me to make sure everything is going well with the new home and still answers any questions I have till this day, Gustan Cho told me he is now with Platinum Home Mortgage Corporation which is a national mortgage company with a great reputation and licensed in all states in the U.S. The Gustan Cho Team will be the number one mortgage team in the country and Platinum Home Mortgage Corporation has great taste by recruiting the best group of mortgage professionals. I will tell all of my friends, family, and co-workers of The Gustan Cho Team.

Bernie Bristow: Jacksonville Florida

Gustan Cho of Gustan Cho Associates is nothing less than a magician! I had contacted several lenders that I had a personal relationship with for assistance in trying to obtain a home loan. I had a couple of items that were bringing my credit score down and wanted to know the most efficient way to handle them. The other lenders flat out told me that I needed to pay off all bad debt and wait for several months until my credit score improved. While on the phone trying to negotiate with a collection company I began searching the web for other options. Everywhere I looked I saw story after story about Gustan Cho and his team at Gustan Cho Associates. I contacted Gustan Cho that moment and he told me exactly what to do to get the loan and what NOT to do. I am so thankful I made that phone call. I am now preapproved and have a contract on the home of our dreams. He and his team have answered every call and responded immediately to any questions I had via email. I have been in the real estate business for over 10 years and have never received the customer service like I have with his team. I am very excited about the opportunity that I can now share with my customers when they need a home loan. I believe almost everyone was affected by the financial disaster we had in 2008 and it is a blessing that people like Gus is there to help with his knowledge. It is very easy to be a mortgage lender who only works with customers with good credit and no problems but it takes a truly committed mortgage broker to work tirelessly for the ones that are more challenging. Thank you Gus and hope to send many referrals your way!

Bernie Bristow

Gary & Sheila Carter: Baton Rouge Louisiana

WOW, these guys are amazing. The first time I called I literally got an answer from GUSTAN himself. That is a miracle, since I have been through countless phone calls with many lenders, waiting hours on the phone and being passed around from one person to another, JUST to find out they refused to help me. Gustan Cho and The Gustan Cho Team @ Gustan Cho Associates Mortgage are truly an answer to prayer for me. I didn’t know anything like them existed anymore. You guys are extremely caring, efficient and willing to go the Extra Mile for my husband and I. Thank you is not enough. Sincerely “Relieved in Louisiana”

Gary & Sheila Carter

John Schroeder: Hoffman Estates Illinois

After 8 months of being under contract, receiving multiple extensions from the seller and going through multiple mortgage lenders I’m finally going to closing. Gustan Cho  and The Gustan Cho Team are PHENOMENAL! Long gone are the days of not knowing the status of my loan, delaying my closing date and being disappointed! I wish I had located Gustan Cho and his team at Gustan Cho Associates Financial months ago. I look forward to seeing others achieve the dream of home ownership!

John & Mary Ann Schroeder

Rachel Gaiter: Jacksonville Florida

After 8 months of being under contract, receiving extensions from the seller and going through multiple lenders I’m finally going to closing. Gus and his team at Gustan Cho Associates are PHENOMENAL! Long gone are the days of not knowing the status of my loan, delaying my closing date and being disappointed! I wish I had located Gustan Cho and The Gustan Cho Team @ Gustan Cho Associates months ago. I look forward to seeing others achieve the dream of home ownership!

Rachel Gaiter

Daniel & Evelyn Diaz: Chicago Illinois

Gustan Cho, thank you so much for everything you’ve done for me and my family. Because of you and and your company I am able to buy my dream home for me and my family. I didn’t think it could be possible but you made it a reality for us. My credit wasn’t the best and it wasn’t the worst but you took your time and found the perfect loan for me and my family. As a 24-year Chicago Police police officer I am careful when it comes to referring people because it’s my word and I value that. But if anybody were to ever ask me about a mortgage broker I will refer Gustan Cho of The Gustan Cho Team @ Gustan Cho Associates without thinking twice about it. You have become more than just our broker, you have become a trusted friend and I can’t begin to thank you enough for everything you’ve done. You’re the best my friend.

Danny and Evelyn Diaz

Susan L: Northbrook Illinois

After 8 months of being under contract, receiving extensions from the seller and going through multiple lenders I’m finally going to closing. Gustan Cho at Gustan Cho Associates and his team are PHENOMENAL! Long gone are the days of not knowing the status of my loan, delaying my closing date and being disappointed! I wish I had located Gustan Cho and his team months ago. I look forward to seeing others achieve the dream of home ownership!

Susan Lee

Stephanie K: Pompano Beach Florida

Where do I begin???? Gustan Cho of Gustan Cho Associates is an AMAZING professional and human being!!! He has been able to do what other “professionals” are too lazy or unknowledgeable to do. At first like many others I was skeptical of the 80+ reviews I read. But I did my due diligence and took a chance and sent him a message. Low and behold just like everyone said he contacted me immediately.  We spoke for over an hour! At my most desperate hour he was a pilar of strength! When I first spoke to him I was literally in tears and he had me laughing before we hung up the phone! He is extremely knowledgeable and hard working. We had a very unique financial situation and couldn’t get the proper help. But Gus was confident, quick and reliable. He always called, text or emailed us promptly. He had an outstanding team of professionals that are available nearly 24/7!  And I swear he doesn’t sleep! Do yourself a favor and go to google and read all his amazing reviews! I did and now I too can confirm they are all spot on! Of course NOBODY can have 100% perfect reviews because you can never please everyone all the time. There is always someone who will never be happy even if you bend over backwards. But Gus’ motto is “where there is a will there is a way”! And if there is any glimmer of hope within reason this man will help you! I will always be eternally grateful for his help and support! I told him he is a “miracle worker”!  He is an “angel from heaven”! God Bless Gus!

Stephanie Keough

Amy Stines: Las Vegas Nevada

We have really enjoyed working with Gustan Cho and The Gustan Cho Team. He has been nothing less than amazing throughout this whole process. We highly recommend Gustan Cho and his team of loan officers at Gustan Cho Associates. They are available anytime day or night and truly care about their clients success.

Amy Stines: Las Vegas Nevada

Bobby P: Jacksonville Florida

I only write a review if it warrants it…and simply put, Gustan Cho deserves kudos. My wife and I had good income, but very average credit with things on our report that would make securing a home loan a challenge. I spoke with Gustan Cho, The Area Manager of Gustan Cho Associates when I found out he sourced loans in Florida. At first, I thought it was to good to be true for not only promising us he could get us a loan…but also the rate. NO points. NO BS.

Fast forward a little bit – all of our paper work was in. Our DTI ratio was fine, but the mortgage company that Gus had to broker our loan out to (We didn’t have the credit to go through Neighborhood) was starting to give us problems. Not with our paperwork…but always wanting more (proof, documentation etc.) to the point to where we were getting affected emotionally. Gus and The Gustan Cho Team stepped in…assured us they were on it…and always came through.

I’m in the medical business and a big part of what we do is “bedside manner”. You can go to a million places for a loan…but if you want someone with a cavalier mindset that truly believes he can get you a loan no matter what AND who treats you with respect and honor, then consider NO ONE else beside Gustan Cho. His two direct assistants, Senior Loan Processor Patricia Celli Marino and Loan Processor Trisha Mangiaracina, are just as solid and forthcoming.

Gustan Cho  came through when no one else did for us. Banks, Credit Unions, Online Lenders – as long as you put in the work and make sure your loan package is properly done, Gustan Cho, The Gustan Cho Team, and the support staff at Gustan Cho Associates will get you into the home you want. It’s been 2 months since we closed and I still can’t believe how he DELIVERED!

Bobby Panfili

David M: Austin Texas

I had been to at least 6 finance companies and was turned down by all of them. I gave up on buying a new house. Then a friend told me to contact Gustan Cho of The Gustan Cho Team @ Gustan Cho Associates. They told me if anyone could get the deal done, he could. I was skeptical, but I called him anyway. This man is amazing! I gave him all my information and he went to work. A short time later he called me, and needless to say I expected to hear the same old thing, no deal. When he told me we had a deal put together and I could get the new house, I almost cried. Not only did he get the deal done, but every time I called him, he either answered the phone or got right back to me a short time later. I have so much respect for this man because of the way he treats his clients, his knowledge of the industry, and his relentless pursuit, I now consider him among my dearest friends! If you need help, contact Gustan Cho.

David Miller

Jeremiah Armstrong Jr: Greensboro North Carolina

This whole mortgage process with Gustan Cho at Gustan Cho Associates has been nothing but phenomenal. I have dealt with other mortgage lenders that couldn’t even touch my file, Gustan Cho at The Gustan Cho Team @ Gustan Cho Associates took it to the next level. He is very good at contacting you throughout the whole mortgage loan process, letting you know whats next shoots it to you straight the first time!! Gustan and his team of loan officers really go beyond the call of duty and have never met any mortgage professional who is so passionate about their work and who really cares about you like family. Whenever I worry about one thing or another, Gustan Cho reassures me that everything is fine and will be fine. He is a true straight shooter and takes his time in explaining the task at hand and educates me on the questions I have by using past case scenarios. No matter how busy he is, he will take time with me and treats me like royalty. I have not just met a loan officer, but I met a lifelong true friend. Gustan Cho is one amazing individual and the best of the very best and I am blessed that I met him and is part of my life. A true Godsend of a friend and a true asset to society.

Thanks Gustan Cho and The Gustan Cho Team @ Gustan Cho Associates

Jeremiah Armstrong

Omar B: Brandon Florida

Great working with Mr. Gustan Cho and Gustan Cho Associates. He really understood our needs and made miracles happen for us. He helped expedite our parent and made inspection process seamless. Very knowledgeable about process and how to streamline. Highly recommended.

Omar Balazar

Doug S: Jacksonville Florida

Let me start by saying that Mr. Gustan Cho is one of the most professional mortgage brokers I have ever encountered. At any time of the day he has addressed my concerns no matter how big or small I thought they were. He was so informative and responsive. The man clearly knows his stuff. His knowledge and immediate feedback reassured us that we were in the right hands. I would highly recommend him to any family and friend because to me he is so wonderful. Mr. Cho is my real-life dream home superhero.He followed through in every aspect of this house hunting journey (no stone left unturned).I truly consider him family because he went out of his way and above and beyond his duties to make us feel comfortable with the choice we made.

Doug Smith

Dr. N: Buffalo Grove Illinois

I have been trying for some time to purchase my dream home unsuccessfully. That is until I was referred to Gustan Cho. I contacted Mr. Cho and he had me complete the application paperwork and to my surprise was automated approved. He worked very closely with me and within a very short time my loan was approved! What a great Christmas present! He is very thorough and knowledgeable. My percentage rate is low and he delivered on everything that he said he would. I like his direct approach. He knows the in’s and out’s and I highly recommend him.

Mary Nichols, DMD

Maria And Frank Castanada: Miami Florida

After exhausting all our avenues trying to secure a home loan , we were at the end of our rope and about to just accept the fact we would have to wait to buy a home. A friend suggested we try consulting with Mr.Gustan Cho before giving up. We made the call and were greeted by a enthusiastic mortgage pro who assured us that he would work tiredlessly to make our dream of becoming homeowners a reality. Mr. Cho was there every step of the way helping and guiding us , making himself available to answer any questions or concerns.

When we first contact Gustan Cho, the Area Manager at Gustan Cho Associates, our credit scores were 550 FICO and we needed a 580 credit score to qualify for a 3.5% down payment FHA home purchase mortgage loan.  Mr.Cho even helped us raise our credit scores 36 points! We happy to say we will be closing on our dream home in 2 weeks thanks to the relentless effort put forth by Mr.Gustan Cho. ……..

Maria & Frank Chavez, Miramar Fl.

Billy Stavridis: Laguna Nigel California

Wow, what can I say about Gustan Cho, Well, let me tell you my little story on how I met Gus. I was looking for a Broker that could get me a loan on a property that I wanted to purchase in Florida. I had tried 2 other brokers prior to running across Gus that were recommended (who’s names I wont mention) both of which promised me the they could get it done “No Problem” they said, Ya right. My credit was good, my income was good and my DTI ratio was low. So it should’ve been a “No Brain-er” Right? … WRONG. Despite what banks and most brokers promise you banks still aren’t willing to loan money as easily as advertised as I found out. After the first 2 rounds with the first 2 brokers I was ready to give up on the property because I was tired of being let down.

A few months later, around (April 2015) I was online browsing and happen to come across a blog and read this particular review about a broker named Gustan Cho.

His reviews were many, all impressive and were highly recommended of him, in almost all the reviews he was referred to as someone who doesn’t give up until he gets the loan you need, he was also referred as someone who’s honest and likes helping people as he himself had experienced difficulties at one time or another and understood how the system works. So I figured what do I have to loose and decided to give him a call, I remember clearly it was a Sunday afternoon when I first called him.

He answered his cell, I introduced myself and briefly gave him a synopsis

of my scenario. He quickly replied and said, ” Let me call you right back as soon as I get home” Right then I thought to myself, sure you are, just another flake borker he’s not going to call me back. About 5 minutes later my cell rings, it was Gus, I was stunned.

We recapped our conversation and he said that he wanted to help me and could without any hesitation. His enthusiasm inspired me and instilled confidence in me again, so I decided to give him a shot and move forward. That same week we started the process. Now, I will tell you that during the process Gus and myself ran into some unforeseen difficulties with the lenders that even Gus did not anticipate however, he stayed true to his reputation and together with his two assistants (Kay and Trisha) helped me step by step.

What really impressed me about Gus amongst many things was the fact that whenever I had a question no matter when or what time I’d call him he would always answer his cell or get right back to me in minutes. That was also true with his assistants and that in itself was reassuring. Who does that now a days ? No one… Now, If he didn’t know the answer to something he would find the answer. His two assistants Trish and Kay (great gals) kept in constant communication with me frequently and always kept me up to speed along the process.

Long story short, Gus was able to get me the loan I wanted at a great rate. I cannot recommend Gus STRONGLY ENOUGH, if you are in need of a mortgage loan Gus is the man you need to call, he’s fair, honest, a good communicator, easy to talk too and reliable and above all HONEST. What more can you ask for in a broker. He’ll get you the loan that no one else can, take it from me.

All the Best

Billy Stravidis

Robert Spencer: Paddock Lake Wisconsin

Wow!!! You know in life, it has ups downs lefts and right and boy I have been on all of them. I guess I have to introduce myself to tell a story of who I am and what I was. As for most people the early 2000’s were great, money a plenty. My Wife and I were starting our young Family, I had a great job, and we had purchased a 500,000 dollar house! We had plenty of income, life was awesome! Many of you reading this review remember these times. Times that it seemed like just one big party with no clear end. Boy were we wrong, the bottom did fall out and I like most people living on the high horse fell and fell hard. I was laid off, the economy in southwest Florida was at Rock bottom and I took the last remaining savings my wife and I had and moved back to Chicago area hoping that the strength of the city would help through the recession. I was right and it worked out I was able to get back on our feet but never to the height of pre 2007 but I’m still climbing and I am not going to stop any time soon. As my family moved forward instilling the building block of a solid foundation one aspect of our lives still eluded us. That was the purchase of a HOME for my family. We had rented a house for years now and my lovely wife always pushing me to be a stronger man would remind me that we needed our own HOME.

In the summer of 2009 I met a man that at the time neither of us would have thought would just be more that a customer to me. I worked at a local Tractor dealership and this guy just needed to get some work done on his tractor. Fast talking and sounded smart he gave me his phone number and said anytime you want to hang out let me know lets go out. Gus and I never went out during that time but I kept his number and one day I called him to ask hey what do I need to do to buy a house and he tells me well first we need to see how bad of shape you’re in. (It was bad 480 credit score) It was bad he came back to me and said look its bad. Folks when the bottom fell out I let it Fall I no longer cared about my credit score, creditors it just didn’t care but this was going to be a new leaf a new chapter in the life of mine. So I started down the pain full task of fixing a very broken credit file of mine and started to correct it with the advice of Mr. Cho and almost a year to the date of that advice I called Gus again and said I followed and did what you told me and guess what now I’m up to a 620 what can we do.

He tells me Robert go and pick out a house. Little did he know that my wife picked a fix me upper that required a 203K loan…….. That was just crazy I wanted to give up on it but my wife and Gus didn’t and needless to say we moved into our home in June of this year and it has been amazing. If it were not for some advice from Gus back in 2013 I would have never gotten our home yet.

In the End there our people in this world that leave a special mark on your soul and Gus has left one on mine I owe him a debt of gratitude and thanks for it was not for his work my Family would not have their Home.

Robert and Tiffany Spencer, Paddock Lake Wisconsin

Briana Stevens: Joliet Illinois

I started my search for someone to help with a mortgage in early February of 2013. I contacted a few people and decided to go with Gustan Cho. That was the best decisions I made in my mortgage process. To me even more that the restate agent. Gus stayed with us all along to way. We had several challenges, bad credit, and issue with a foreclosure that should not have been in my name. Gus did his research and found a lender that would work with us. He never over promised and always answered any question I had, no matter how simple. Even after we started with the mortgage process and the lender started to try to back out of the deal Gus was worst that a dog after a bone, he never gave up when other brokers most certainly would have. We ended up with a beautiful home with a great rate. Over the mortgage process he became more than a broker looking for a sale, he became a friend, someone who I would refer my friends and family to. And I did just that, I referred my daughter to him and he did equality as great job with assisting her. Our family is someone very special to us and if I did not have complete trust in him I would never let my child get anywhere near. This note is to anyone looking for someone that will be with you to hold your hand thru the process, to talk you down from the ledge when things seem to go wrong there is no better broker I could think of better that Gustan Cho.

Briana Stevens, Joliet Illinois

Leo Reading: New Hampshire

NONE. WE CONNECTED, BUT IT DID NOT WORK OUT

It’s 8 PM & just got off the phone with Gus to discuss a mortgage for a home in Michigan; he gave me the straight deal about what will work, what will not, & all without any the non-sense / side-stepping I’ve received from local banks. I get the firm impression that he’s incredibly passionate about what he does (i.e. not just a job for him), & that Gus actually cares about clients as people, not just a resource to extract revenue from (which is exceedingly rare these days). His candid advice & coaching, for my particular financial situation, could be easily fixed by myself without much effort to where I could work with one of the local banks who’ve simply referred me to a financial consultant agency after rejecting my application. To me, this is incredibly respectable of Gus as his office doesn’t make any money if I do take his advice; however, because of Gus’s candor & sincerity during our short discussion, I’d actually go out of my way to work with him in the future as he told me what I needed to hear without any non-sense.

Leo Reading

Thomas And Mally Hills: Southern Illinois

We have currently been working with Gus and he has already been so extremely helpful in helping us navigate through our home loan. Gustan Cho is very professional. Our credit score is not ideal, mainly due to lack of credit, and he has been very helpful in letting us know the correct steps to take in order to build our credit score/history. I was truly taken aback by the personal service he provides. He has helped us communicate with the seller, an older gentleman, and walked him through this entire process. If we have to call for any reason, no matter how menial the question, he is always more than willing to help. He is always happy to speak with us as opposed to other lenders we had spoken with prior who acted as if we should be proficient in the mortgage business. We are still in the process of obtaining the loan and are looking forward to finishing up this process with him.

Thomas Hills

Nicolas H: Oviedo Orlando Florida

Gustan Cho and the his team at the money store are professionalism personified. Gus is a true gentleman and a man of his word who over delivered from day 1. He handled a complicated situation with tremendous competence and was always available to answer any question however trivial. Not only is he tremendously responsive but everyone I had the pleasure of dealing with at the Money store shared the same commitment to excellence. I cannot speak highly enough of his professionalism, integrity and character. Gus and the money store are now trusted advisors who I will always consult first on any matter related to real estate lending! Thank you Gus!

Nicolas Hood

Barry M: Mt Prospect Illinois

I came across Gustan Cho’s name and was surprised to see all of the positive, favorable reviews and candidly, didn’t believe them. I am taking the time to write this review with this perspective because you need to understand the reviews are real and you should believe them.

I cannot express to you the gratitude my wife and I have for Gus and his team. We worked with Quicken for a couple of months because we heard about their “great” JD Power ratings for home loan origination. They were a nightmare and we really felt all hope of buying our dream home was lost.
I reached out to Gus after deliberating for days about it. I didn’t know what else to do and I thank God that I did. Gus reached out to me directly. His approach was not pushy or didn’t seem as if he was working for a commission. Instead, his approach was personal and genuine and he really made us feel like he wanted to help us when no one would.

Gus understood our situation and sympathized with us and what we were going through. We talked through the situation and Gus and his team began to help us. In a matter of weeks, Gus did what Quicken Loans couldn’t do for us. He got the FHA appraisal transferred and began underwriting the loan. Unlike Quicken, his initial concern was not to collect an application fee, but to get this loan closed so we didn’t lose the home we dreamed about. About a month later, we closed on the home and Gus and his team did an extraordinary job with everything. He communicated regularly, was available at any time of day and cared about us.

Look, this is a real review from a real person. My wife and daughter and I closed on our home purchase in Mt. Prospect on 11/20/15. We would have never achieved our dream of this home if it were not for Gus. He is a Godsend and he is an angel when it comes to helping people who need home loan assistance. So, for those of you who are looking for a place to turn and wondering what you should do, call Gus. You will not regret it and you will be as thankful as my family is for having him as a friend.

Barry Mullan

Andrew R: Libertyville Illinois

If there was a loan officer who could get the job done when no one else could it was Gustan Cho. Gustan Cho is the Area Manager at Gustan Cho Associates and he is hands down the best mortgage banker I have ever met in the past three homes I financed.  When I got the door slammed in my face by 20+ lenders there was only one guy who was a professional with FHA LOANS and the Back to Work  Program, it was Gustan Cho. He started off with a pre approval and assured me that my loan would close 100%. After we went through my credit history and extenuating circumstances there was no doubt I was the perfect candidate for this program. Within 30 days I was closing on my new home and my life is complete. Gustan Cho of Gustan Cho Associates was a guy who talked to me at any time and even on nights and weekends no matter what. If you are looking for a professional, THIS is your guy! You will not be disappointed.

Andrew Rostenkowski

Brandon Critchfield: Las Vegas Nevada

The Professionalism and attention to detail has been amazing.He is prompt creative professional and a master of his trait. He has followed through and been in constant communication with us through every little step. I highly recommend him and his company in anything you are trying to achieve.Thank you

Brandon Critchfield

James L: Joliet Illinois

I applied for a home loan with Gustan Cho from Gustan Cho Associates over six months ago, at that time I was not in a position to buy. My score needed to increase, he gave me solid advice on things to do to increase my score and it worked great. Next we had some issues with the loan as it went to underwriting, no other lender would have taken the time and had the patience Gustan did. He was on the spot working with me and seeing the loan through from start to finish. Gustan Cho answered the phone any time I called and show great patience when I started to panic. If you are looking for a superior lender Gustan Cho of Gustan Cho Associates is the perfect person to work with. Far above anyone else I have ever work with on other home purchases.

Jim Lewandowski

Bob Vogel: Hampshire Illinois

Gustan Cho and Gustan Cho alone is the only reason I have a house. Just coming out of a bankruptcy/foreclosure, Gus was the only one who EASILY got me approved after 15+ lenders denied me right away. Gustan Cho of The Money Store knew how to work through the “Back to Work” program and got me approved in no time. He is a very down to earth guy who is available 24/7, nights, and weekends. He was always happy to email or call me at any hour and put me at ease through the entire process. I look forward to working with him in the future. This is the ONLY person you need to call.

Bob Vogel

Debbie Sola Schenk: Lockport, Illinois

I had no choice but to refinance to remove my ex husband from my mortgage.  But the divorce also left me with a bankruptcy on my record. My ex was convinced I was going to loose the house.  I tried numerous other lenders all with the same response “NO”…. a friend told me to call “Gus ” I called and his response was …”Deb we may have some hurdles but I can do it.” Sure enough we had hurdles and lots of them but he stayed with me through the whole thing emailed me called me whatever he had to do he did…I even called him one night at 11pm with a question…he answered the phone!!! Gustan Cho of Gustan Cho Associates will be honest with you and follow through.  He is dedicated to his customers!! I highly recommend!!!!!

Debora Sola

Officer Lamar Campbell: Fort Myers Florida

My wife contacted Gustan Cho, the Area Manager at Gustan Cho Associates in August of this year as a last resort to try to get a mortgage on a home to raise our two children. Her credit was below the minimum score needed. Gustan Cho coached her on how to improve her score within and within one month we were able to apply. Gus is a very kind hearted person that we feel have become apart of our family. He was always available to answer any questions, and was always upfront and honest the entire process. From the time we applied until the time we moved into our home it was only 45 days. With the new laws that became effective this was a fast turn around. We did lots of research before deciding to deal with Gus, and didn’t find anything negative about him. Establishing a great rapport with him was the best decision we ever made. I would recommend my closest family and friends to seek out Gus if they’re looking to buy or refinance a home.

Officer Lamar Campbell, Fort Myers, Florida Police Department

Wanda K: Tampa Florida

We have been working with Gus for over a year and the last 6 months trying to purchase a very difficult Short Sale home and trying to work with the Short Sale bank (Chase) that would not budge on anything or give any extensions. We have a closing for tomorrow 9-26, so I will follow up with the final results..

Update…

I last posted that we were waiting to close and WE DID! Thanks to Gus Cho and all his dedication and hard work we purchased our home we have been trying to get for over a year after being turned down by other banks.. FHA with 4.5% here in FL so if you need a hard working Mortgage Banker Gus is your man.

Thanks…

Wanda Kurze and Noel Thyne

Raj Kumar: Wheeling Illinois

I was referred to Gustan Cho from my father. He helped my father get a loan and he raved about him. This was my first home and I didn’t know what to expect. Mr. Cho guided me all along the way. He explained the complete process and worked with my agent very well. The seller agent was very slow, Mr. Cho took charge of the process and made it a smooth process for me. I was under the gun with a moving date Mr. Cho made sure my deal closed and I was able to move into my dream home. I recommend Mr. Cho to anyone no matter what their circumstance.

Raj Kumar

Daniel Diaz: Chicago Police Officer

First and foremost as a Police officer with 21 years on the force. Its a challenge for me to just trust anybody especially when it comes to my families future and home. BUT… I want everyone who reads this to know that without a shadow of a doubt that Gustan Cho is a true professional and I have recommended him to my closets family and friends and they have all used Gustan Cho as their Mortgage Loan Officer and no one. Not one person has had anything bad to say about Gustan Cho. As for me he has been more then a Loan Officer, he has been my friend. Someone who has gone above and beyond the call of duty when it came to my loan. He has taken the time to help me qualify for my loan ie. He walked me thru helping me get my credit in order because I was in bad shape credit wise. He didn’t stop at just qualifying me for a loan but he advised me to wait and get my credit in better shape so I could qualify for a better rate and buy the perfect home for me and my family. He could have stopped when I first qualified and closed me but he went the extra mile to help my family. There’s got to be something more to the negative review about Gustan Cho and I’m sure that the facts are not being told but when 26 out of 27 people are telling everyone how helpful Gustan Cho has been. His reputation speaks for itself. I was told by so many of these so called Loan Officers that I had a chance to buy a home but they all failed to help me and my family miserably. Gustan Cho you will forever be a friend and my mortgage guy As we say in Law Enforcement. You are my brother in blue and I will always stand by your side. To say I’m a satisfied customer is a crime. I’m a homeowner who will sing your praises til the end. So if your looking for a loan Gustan Cho will truly give you and your family a fighting chance and will do EVERYTHING he can to help you. Thank You Gustan Cho….

Danny Diaz

16th District

Chicago Police Department

Peggy M: Hollywood Florida

Hello everyone, when my husband and I were looking for a mortgage lender we had a very hard time due to our credit. Hesitant to keep looking my husband said let’s do a goggle search there has to be someone out there that can take a chance on us and help give us the needed help we were looking for. And my surprise we found Gustan Cho. I was very skeptical, after all we had been through so much with poor credit, short sell on a home and bankruptcy it was overwhelming. When we found Gustan Cho and it was unbelievable. He was great and knew his business and he told us not to worry. He promise us he will take that chance and help us, and that indeed he did!!! He is a man of his word. Whatever had to be done Gus went far and beyond when no other lender out there was willingly to even try. Trust me, he is the best out there. No matter what he had going on he put it down and was willing to do every thing to help you as a client, he truly cares. Gus impressed me with a job well done. I am so grateful we were able to find him. I recommend him to anyone and everyone who is having difficult time with credit to get a mortgage. Gustan Cho can do it!! We thought we would never get qualify for anything. His many years of experience, and knowledge of knowing his job was ever so worth it. We are very, very satisfied for his hard work.

Margaret “Peg” Murdoch

Jesse S: Joliet Illinois

 I started my search for someone to help with a mortgage in early February of 2015.  I contacted a few people and decided to go with Gustan Cho from The Gustan Cho Team @ Gustan Cho Associates. That was the best decisions I made in my mortgage process. To me even more that the restate agent. Gustan stayed with us all along to way. We had several challenges, bad credit, and issue with a foreclosure that should not have been in my name. Gus did his research and presented the file to his underwriting director, Patricia Taylor at Gustan Cho Associates  that would work with us. He never over promised and always answered any question I had, no matter how simple. Even after we started with the mortgage process and the lender started to try to back out of the deal Gus was worst that a dog after a bone, he never gave up when other brokers most certainly would have. We ended up with a beautiful home with a great rate. Over the mortgage process he became more than a loan officer looking for a sale, he became a friend, someone who I would refer my friends and family to. And I did just that, I referred my daughter to him and he did equality as great job with assisting her. Our family is someone very special to us and if I did not have complete trust in him I would never let my child get anywhere near. This note is to anyone looking for someone that will be with you to hold your hand thru the process, to talk you down from the ledge when things seem to go wrong there is no better mortgage banker I could think of better that Gustan Cho.
 Jesse Smith: Joliet Illinois

Javier V: Joliet Illinois

 I worked with Gus last year. He closed my loan 01/10/2014. I know this was a year ago but since then Gus has closed many tuff loan of friends and family of mine. If you’re looking for a mortgage banker/broker Gus is your guy. He knows every loop hole in the system and basically seem like he wrote the rule book on Home loans. Doesn’t seem like it matters the situation he able to get deals done. For me and my wife our DTI was too high with the home we wanted, but Gus was able to get us a 3.5% FIX rate with lower the DTI just enough to get us our home. This is no lie if you really want to see the proof just ask. Gus is truly someone who holds the best interest for his customers and not his pockets. All Emails and phone calls and question are answer or return within a timely matter, which is what I felt was extremely important especially for 1st time buyers. My only recommendation is if you’re going to go to Gus, be ready to work and get done what he needs, because Gus will be working for you.
Javier Vasquez

Jason L: Fox Lake Illinois

 I applied for a home loan with Gustan Cho over six months ago, at that time I was not in a position to buy. My score needed to increase, he gave me solid advice on things to do to increase my score and it worked great. Next we had some issues with the loan as it went to underwriting, no other lender would have taken the time and had the patience Gustan did. He was on the spot working with me and seeing the loan through from start to finish. Gustan answered the phone any time I called and show great patience when I started to panic. If you are looking for a superior lender Gustan is the perfect person to work with. Far above anyone else I have ever work with on other home purchases.

Tina B: Laguna Nigel California

Gus was great! After multiple failed attempts to qualify for a home mortgage, Gus came through as he promised and now I’m once again a home owner. The other lenders would over-promise, but under-deliver, causing me to loss homes that I already had a contract on. He reassured me that everything was going to be fine and was with me through the whole process.

To all those who have been turned down before, I recommend Gus; he’ll make it happen and get it done right!

Andrew P: McHenry Illinois

Gus and Gus alone is the only reason I have a house. Just coming out of a bankruptcy/foreclosure, Gus was the only one who EASILY got me approved after 15+ lenders denied me right away. Gus knew how to work through the “Back to Work” program and got me approved in no time. He is a very down to earth guy who is available 24/7, nights, and weekends. He was always happy to email or call me at any hour and put me at ease through the entire process. I look forward to working with him again soon for a refinance. This is the ONLY person you need to call.

Paulita H: Joliet Illinois

Gus is by far the best!!! If it wasn’t for him I would not have my home. I am a 29 year old single woman. I would have never thought I would be able to purchase a home on my own especially that I have a low income. I had spoke to other brokers and they were not interested in helping me at all. When I spoke to Gus and gave him all my information he said I was pre approved and that he would be able to close on this house. We had some obstacles and at times I felt like this was a dead deal but Gus always had a positive attitude no matter what! He told me don’t worry we will get this closed that is your house! I would highly recommend Gustan Cho to my family and friends. Gus you are the best thank you so much for everything. I am enjoying being a home owner 🙂

Sincerely,

P. Herrera

George A: Jupiter Florida

It is with grateful hearts that my husband and I write this review from our new home and we couldn’t be happier!

Gustan Cho has been our guiding light throughout the entire loan process, from credit counseling & repair to funding and beyond! We closed 2 weeks ago and Gus still checks in with us! Although our case was not an easy one by any means, he took on the challenge and succeeded in keeping his promise of home ownership for us. Gus works diligently around the clock to get the deal done with the highest level of professionalism, skill, persistence and expertise in the business. Gustan Cho is revolutionizing the mortgage lending world one client at a time with an exceptional level of knowledge that superseded all of our expectations. We are looking forward to working with Gus for a future refinance and truly consider him to be an invaluable resource in the field as well as a lifelong friend! We love you Gus!

Martin J: Chicago Illinois

I started my search for someone to help with a mortgage in early February of 2013. I contacted a few people and decided to go with Gustan Cho. That was the best decisions I made in my mortgage process. To me even more that the restate agent. Gus stayed with us all along to way. We had several challenges, bad credit, and issue with a foreclosure that should not have been in my name. Gus did his research and found a lender that would work with us. He never over promised and always answered any question I had, no matter how simple. Even after we started with the mortgage process and the lender started to try to back out of the deal Gus was worst that a dog after a bone, he never gave up when other brokers most certainly would have. We ended up with a beautiful home with a great rate. Over the mortgage process he became more than a broker looking for a sale, he became a friend, someone who I would refer my friends and family to. And I did just that, I referred my daughter to him and he did equality as great job with assisting her. Our family is someone very special to us and if I did not have complete trust in him I would never let my child get anywhere near. This note is to anyone looking for someone that will be with you to hold your hand thru the process, to talk you down from the ledge when things seem to go wrong there is no better broker I could think of better that Gustan Cho.

Douglas A: McHenry Illinois

We were turned down for a mortgage by another lender who actually told us we couldn’t even qualify for 100k mortgage. We kind of gave up and figured maybe we would wait and pay off some credit cards. After doing a Google search I found Gus. He is the BEST! We found a house and got approved for 172k mortgage. We worked with Gus for a couple months. He is always available. He works 7 days a week. He even returned emails at 11pm at night. I was truly amazed by his customer service. Most lenders don’t respond on weekends or after 5pm during the week. I talked to Gus on a regular basis during the whole process and I can say that he has become a good friend. And we plan to work with him again in the future.

Tassapat Sripetcharakool: Jupiter Florida

I found Gus online from google when I searched for a professional mortgage broker who based in Florida after I got turned down by few brokers. Once I entered my info through his website, he called me back right away, which was very impressive. I told him my conditions. I got a short sale 2 years ago, and I was interested in FHA back to work program. After he asked me questions, he was able to tell me right away that FHA back to work did not work for me, and besides, he confidently told me an conventional loan could fit me. Gus is very well round and has a lot of experiences, which is very important and different from other loan officers who like to do easy loans and are unable to educate customers which loan will best serve their need. During the loan processing, Gus updated me all the time what was my loan’s status. He always answered a phone even Sunday. Honestly, I did not expect anything at the beginning, but after everything eventually went through step by step as what he told me, I was no doubt Gus would make my dream come true. I was closing my house in 5 weeks. If anyone is looking for a mortgage loan and has conditions like short sale, foreclosure, or bankruptcy, I recommend Gus. I used to ask him that “why do you like to do loans which are difficult and any loan officers won’t do it”. He replied me ” I would like to help people to have their own house and it is challenging”. Thank you again …Gus

Officer Debbie S: Lockport Illinois

I had no choice but to refinance to remove my ex husband from my mortgage. But the divorce also left me with a bankruptcy on my record. My ex was convinced I was going to loose the house. I tried numerous other lenders all with the same response “NO”…. a friend told me to call “Gus ” I called and his response was …”Deb we may have some hurdles but I can do it.” Sure enough we had hurdles and lots of them but he stayed with me through the whole thing emailed me called me whatever he had to do he did…I even called him one night at 11pm with a question…he answered the phone!!! Gus will be honest with you and follow through. He is dedicated to his customers!! I highly recommend!!!!!

Giselle And Pedro F: Miami FLorida

It is with grateful hearts that my husband and I write this review from our new home and we couldn’t be happier!
Gustan Cho has been our guiding light throughout the entire loan process, from credit counseling & repair to funding and beyond! We closed 2 weeks ago and Gus still checks in with us! Although our case was not an easy one by any means, he took on the challenge and succeeded in keeping his promise of homeownership for us. Gus works diligently around the clock to get the deal done with the highest level of professionalism, skill, persistence and expertise in the business.  Gustan Cho is revolutionizing the mortgage lending world one client at a time with an exceptional level of knowledge that superseded all of our expectations. We are looking forward to working with Gus for a future refinance and truly consider him to be an invaluable resource in the field and a lifelong friend!  Everyone at The Gustan Cho Team and all of Gustan Cho’s assistants and colleagues and superiors went beyond the call of duty. Special thanks to Kay Tassapat Sripetcharakool who was Gus’s assistant. We love you Gus!

Jose G: Coral Gables Florida

Gustan Cho and the his team at The Money Store are professionalism personified. Gus is a true gentleman and a man of his word who over delivered from day 1. He handled a complicated situation with tremendous competence and was always available to answer any question however trivial. Not only is he tremendously responsive but everyone I had the pleasure of dealing with at The Money Store shared the same commitment to excellence. I cannot speak highly enough of his professionalism, integrity and character. Gus and The Money Store are now trusted advisors who I will always consult first on any matter related to real estate lending! Thank you Gus!

Maritza S: Scottsdale Arizona

I contacted Gustan in 12/15. I need to refinance from a FHA loan to a conventional loan. I had to file for bankruptcy back on 2010, my foreclosure was included in my bankruptcy. My previous advisor did not tell me I qualified for a conventional loan back in 12/2014, something I found out through Gustan, that I did. Little is to say I had to pay a lot of money in order to finance my home and still paying more than I should. Gustan gave me so much information about how to better my credit to qualify for a better rate, even where to go to get a free report with scores. Now my credit is great. I live in AZ, Gustan transfered my information to a LENDER in my state, not a loan officer

His coment was, I want you to get the best rates possible, even if it is not from me. He knows people who can help the client, unconditionally, no fees, no strings attached. I highly recommend him

He is HONEST, a rare quality in this business.

Gary M: Downers Grove Illinois

Contacted Gus on a refinance loan on a Condotel. Had numerous lenders turn me down based on the type of property. Most lenders will not enough talk to you . Gus looked at my file and gave me a contact at Advancial Mortgage to call. Gus has followed up with me and even made a call to Advancial to clarify my loan details.

Stephanie M: Jupiter Florida

I came to Gus with a low credit score. He promised me he could help. He worked with me and credit repair for over six months! Every time I called, he answered. Everything he promised, he came thru with. I now have a great credit score because I did everything he asked me to do and I will be closing on my home in a couple weeks. It takes alot to impress me, but Gus did it!!!

Scott J: Algonquin Illinois

I just searched for a reliable mortgage lender online and ran into Gustan Cho’s name. I called him right away and was so pleased that he went an extra mile to help me out with all the information that I need. I had been shopping for a home mortgage loan for a while but nobody is as helpful as Gustan. We will be working on a different loan and I know that I won’t be disappointed. I will highly recommend Gustan to anybody who needs a mortgage loan . Thank you very much Gustan Cho of The Money Store.

Omar M: Niles Illinois

Gus recently helped my parents close on a loan after many lenders turned them away. My dad had made some bad business decisions and as a result his credit had taken a severe blow. We looked around and tried many big name lenders such as Quicken Loans. After several denials we had decided to give up until we stumbled across Gus online. We gave him a call and since that day he has answered any and every question we could come up with. Gus is very responsive and that is something I take very seriously when doing business with someone. If I call Gus he answers, and if he can’t he gets back to me right away. Gus listened to the issues my parents had and quickly recommended solutions that worked best for them. I highly recommend anyone buying a new home to go and see Gus first he will make the process as smooth as possible.

Michael W: Winthrop Harbor Illinois

I was recommended by a friend to reach out to Gustan Cho for a home loan because it was my first time buying a home. My friend assured me that Gus and his team would be able to help me understand the qualifications and what to expect with the whole mortgage process. That is exactly what I happened. When I first spoke to Gus the first thing he asked was, why have I decided to buy a home and how long did I plan on living in it? My answer was because it’s time for me to move out of my parents home, and I thought I would probably live in the home for about 10+ years I guessed. After that he explained the 15 year and 30 year terms and based on my income and down payment we picked the best program for me. So, I closed on the home in about 27 days, pretty easy I thought. I must say Gus and him team where great and I am very happy in my new home. But thinking about the question “how long do I plan on living in the home?” I am not too sure at this point but when I am ready to sell and purchase a different home, I will be reaching out to Gustan Cho for my new home loan.

Thank you

Tim C: Dallas Texas

Hello All…Just wanted to take a moment to share my experience with Gustan Cho. Without Gus, I would not have been able to purchase the home I recently did! I desperately wanted to buy a home, but kept meeting opposition due to some issues on my credit report. When I initially spoke with Gus, I was completely open with him and shared the credit issues I had. I also expressed the frustration I was experiencing as I tried to find a lender who would work with me. Gus patiently listened to me and assured me we would be a ‘team’…and we were. He is an expert in his field. He was able to successfully help me navigate the credit challenges I had. He was responsive and ALWAYS accessible. Without Gus, I would not have been able to purchase my new HOME. I would (and have) recommended him to anyone and everyone. Thank you, Gus!

Daniel D: West Palm Beach Florida

Gustan Cho is currently helping my husband and I with a home purchase and he has been extremely helpful with the process. Gustan is very responsive. He always returns my phone calls and messages promptly. He is very knowledgeable about the loan process and I am highly confident in his abilities to get us through to the end. My husband and I have a very complicated situation and Gustan has been working with us on these issues. I have been recommending Gustan to all of my friends and family and will definitely recommend calling on him for your next home loan.

Larry M: Orlando Florida

Working with Gustan Cho and The Gustan Cho Team at The Money Store closely the last few months I have determined he is the few and hopefully not a dying breed of people with integrity, sincerity and committment of follow through. The Mortgage business is full of winding roads and turns that will test the most patient consumer. For this reason alone I recommend Gus and his Team to guide the soon to be homeowner through this process. He seems to be 24/7 all about Customer Service. Keep this in mind when choosing your Loan Officer.

Dr. Synthia M: Plainfield Illinois

I would highly recommend Gustan Cho Associates and The Money Store for getting a mortgage. He is extremely knowledgeable and has great resources on his website of case studies that answered alot of questions before even inquiring about a loan.

He has responded very quickly to any question I have had and has gone the extra mile in making sure I have been taken care of. He also explained TRID and the extra time that is now needed by law to get to closing. I am also recommending him because I have learned more from him than any other lending experience. He will take the time to explain the process and help you every step of the way which is rare these days.

Ron H: Wauconda Illinois

I was unable to get pre-approval through my bank or other popular lenders for FHA due to credit being slightly under the lender’s qualifications, even though I met FHA credit requirements. Having read through Gus’s website, I realized he could help. He immediately (on a Saturday afternoon) started working on my pre-approval. He educated me on the whole process and had my pre-approval within 48hrs.

Then, when I found a home, a nearly complete new construction, I found out I needed to use the builder’s lender in order to get the incentives, worth $10k. So even while I had approval with Gus, I needed to start with the builder’s lender.

Even though I’m currently working with another lender, GUS IS STILL HELPING ME! Even though i’m workign with another llender, he’s working with me on the process, advising me of the potential pitfalls, and educating me all the way. He’s also ready to help take over the loan at any point in the process, and even already has automated underwriter approval for my loan.

Gus is a true professional. He is accessible day or night, and is very consistent.

I suggest that if you are having any issues whatsoever either securing a loan or just having problems with your current lender to give Gus a call or email him. You’ll be amazed at how helpful he is.

Minnie S: Columbus Ohio

I have been working with Mr Cho and his team for a few months now, I had to take some corrective measures to increase my credit score which Mr Cho was able to make some great suggestions, which I took his advise and in a few months my score had gone up to enable me to finally be able to go and search for a home.

I just recently found a house and the paperwork is being submitted and I couldn’t be more happy with the leadership from these people.

I will have my preapproval this week and be in the home of my dreams by Mid May.

I couldn’t have done it without them.

I would recommend anyone who has had difficulty in the past to reach out to these guys. You wont be disappointment!

Heather S: Oak Park Illinois

Gus is awesome and amazing!!! The Best!!! He really helped me out BIG time with a refinance on my home. The process went very smooth. Customer service was awesome!! He is very knowledgeable and helpful!! Very, Very happy that I found him!! Thank you soooo much!!

James Smith: Lemont Illinois

My name is James Smith and I am a prior client of Gustan Cho. I found Gustan Cho through a Google Search a year ago because every mortgage lender I went to could not help me due to credit issues, prior bankruptcy, current short sale (I was living in a home that I was on title but my wife was on the loan and not me and these lenders accused me of bailing on my mortgage). When I contacted Mr. Cho, he reviewed my credit and financial situation. He helped me raise my credit scores and within 60 days, I was approved for a mortgage loan. I eventually closed on my dream home and I am in contact with Mr. Gustan Cho to this day. I was so impressed with how hard Gustan Cho worked on my file and how people in my situation need Gustan Cho’s services that I decided to become a mortgage loan originator. Mr. Cho told me the necessary steps to get licensed as a mortgage loan originator and I have just completed my 20 hour mortgage school and am in the process of taking both my federal and state mortgage exams for my license. I love helping people who are in a similar situation like me. I thought I could never qualify for a mortgage. Gustan Cho has extensive experience in real estate and mortgages since he was a real estate investor for over 20 years. Mr. Cho has offered me a job once I get my mortgage license and it will be an extreme honor to work for someone who cares about others more than care of themselves. I recently noticed a bad review about Mr. Gustan Cho from one his clients, Sandra Perttu. I cannot believe how someone like Sandra Perttu can write a bad review about Mr. Gustan Cho. I know about rapid rescores and nothing is free. I had to do rapid rescore for myself as well and they are third party charges. I read the posting Ms. Perttu wrote on Zillow and I was appalled. I viewed all the work Gustan did on Ms. Perttu’s file and he went above what most Brokers would have done for her. Mr. Cho is always in communication with all of his clients. I have referred Gustan Cho to numerous clients with bad credit, including my daughter Latoya Smith and I have heard nothing but great things. Mr. Cho has many satisfied clients and many many recommendations. I’m not sure why Ms. Perttu chose to complain but I would assume she chose Mr. Cho from a recommendation. It seems like Ms. Sandra Perttu is out to ruin the reputation of a fine hard working individual who has done nothing but great things to folks in need of help. It’s a shame this society has people like Sandra Perttu. It seems to me she is a vindictive person who is out the reputation of the best mortgage broker and one of the finest individuals and friends that I have ever met.

James L. Smith

Lemont Illinois

Irma S: Joliet, Illinois

I just previously closed on a home with Gustan Cho as my mortgage loan officer at The Money Store. Thesingle family house we closed on was perfect for my family and me which consitsted of 4bedrooms, 2 bathrooms and 1 car garage and the value of this home was way below the market price. Before I met with Gustan Cho of The Money Store,  I must of met with at least 7 different banks and mortgage lenders and they all wouldn’t even give a chance to see if I could get approve and treated me like a second hand citizen due to my poor credit and the small amount of loan that I was applying  for this home.  The loan officer’s answer where simply no the d/r was too high or taxes where to high ect. then I met Gustan Cho of The Gustan Cho Team at The Money Store and the word no or impossible did not even existed in his vocabulary. From the very beginning all I heard from Gustan Cho is that we were going to get this deal done. Gustan knew exactly what to do. He was extremely Knowledgeable and knew exactly what to do and how to work the loop holes to get this deal done. I knew from the very beginning this wouldn’t be no easy loan. as already mention our debit to income ratio was too high for this home. the taxes where high which didn’t help the cause, and mortgage rate where rising. Gustan was able to get us a rate at 3.5%. most lenders at this time didn’t even offer this rate but Gus was able to do it. as a matter of fact at the closing almost everyone in the room was surprise Gustan was able to get this rate at a fix rate. One of the comments even made in the room was they haven’t close on a rate this low in over a year. My wife and I are in great debit to Gus. He got us our first dream home and at a price and rate we could afford. If you tried everywhere else and no one can help you than you need to speak with Gus. Gus just literally got a CTC yesterday for a friend of mine in a similar situation. Also Gus work with an amazing loan processer Lorena Ramirez whom makes the transactions as smooth as possible. With their help I’m sure there’s no loan they can’t close on. Till this day Gus and I still speak and always check in on me to make sure everything is going well with the new home and still answers any questions I have till this day

Darleen And David S:  Ellenton Florida

Gus works magic! Seriously, if you’re looking for someone that knows the business like he does, you won’t be disappointed. He is very knowledgeable in his field. He goes above and beyond. He tells it like it is! We had been through so many lenders, but it was not until we meet Gus via phone that things did a 190. A friend told me to contact Gustan Cho of The Money Store who was the Area Manager.
They told me if anyone could get the deal done, he could. We were was skeptical, but called him anyway. When you speak with Gus, you walk away knowing you’re in good hands. This man is amazing! We gave him all our information and he went to work. A short time later he called, and needless to say we didn’t expect what we heard on his end of the phone, we expected to hear the same old thing, no deal. When he told us we had a deal put together and we could get the new house, we were happy beyond belief. Not only did he get the deal done, but every time we called him, he either answered the phone or got right back to one of us back a short time later. We have so much respect for this man because of the way he treats his clients, his knowledge of the industry, and his relentless pursuit! Gus, you’ve become our friend. Thank you for all your help through this long and trying journey. If you need help, contact Gustan Cho at The Money Store.

Jim and Kate, Florida

Both my wife and I had financial problems in 2008 because we had a big mortgage and my wife was laid off. Due to that, our credit suffered greatly and we went into default with our mortgage. I had credit collectors calling me non stop, even at work. I am employed by a government agency and am out on the field most of the time and these credit collectors were constantly calling my superiors and leaving nasty messages that I was contemplating filing bankruptcy. My house went into foreclosure and my wife and I went into a rental. It was very difficult to have a management company to accept us due to our credit so we ended up renting a mobile home from an elderly lady. Last year we started to look for homes and found one we liked. I called a mortgage company and applied for a loan and was rejected because they told me my 3 year waiting period is not up. I told my wife that we had to wait another year. Then, my realtor called me and told me to contact Gustan Cho. Gustan Cho is a mortgage broker who has offices in Florida and Illinois. My realtor, Scott Johnson from Remax told me that Gustan Cho has helped people with really bad credit get loans and Gustan Cho just got a loan for one of his associates clients in Financing a Condotel in Hollywood, Florida. Scott told me that no lender in this country finances condo hotel loans and was really surprised that Gustan Cho was able to do so for his associates Hollywood, Florida condotel.

Skeptically, I contacted Gustan Cho through his website, GustanCho.com and spoke to him. The first thing he wanted was the paperwork by the county stating when the sheriff sale was or when the deed was transferred to the lender. That was no problem because my other loan officer, Mike, asked the same thing. I emailed Gustan Cho what he requested and he told me that I was in luck. I did not believe Gustan Cho at first but he swore to me that the foreclosure was a non issue but I still needed to qualify for the mortgage. Gustan Cho told me to go to GustanCho.com and apply online. My wife, Kate and I applied online and filled out the application. Within an hour or so after we submitted our application, Gustan Cho contacted Kate and told her we were preapproved and told us what the rate and term was for a $250,000 FHA loan. He then sent us our application to sign and we submitted all of our documents along with a real estate contract. We closed on our home exactly one month after submitting all of the documents to Gustan Cho. It has been almost a year since we are proud homeowners thanks to Gustan Cho.

Why did Gustan Cho get us a home loan when the other mortgage broker could not? The first mortgage broker was incompetent. Mike, the other broker (I will not use his last name or mortgage company because I think he was a newer loan officer and do not want to slander the kid or his company) did not read the foreclosure certificate correctly. The certificate drafted by the Broward County Circuit Court Clerk had two dates. One date was the date of the certificate of title and the other date, dated one year later, was the date of when my foreclosed loan was sold to Fannie Mae. Mike used the date the loan was sold to Fannie Mae and not the date of the certificate of title. Bottom line is that you as a borrower need to check with a competent loan officer like Gustan Cho. For us, it was a case of bad luck but got lucky because of our realtor Scott.

Kim and Omar P: Sarasota Florida

We had a wonderful experience with Gustan Cho at The Money Store. He went above and beyond a mortgage broker’s call of duty. We recommended him to a friend with great obstacles as well and they are closing soon. He was not only our broker but has become a friend. I guarantee there are no mortgage lenders or brokers that will be as dedicated as Gus. Thank you Gus! You will forever be in our hearts!

Kathleen F: Hollywood, Florida

If it were not for Gus, I would not have my beach condo in Hollywood, Florida which has been a dream of mine for a long time. I had almost given up on financing and found Gus while searching online for someone who could help me obtain a mortgage. Once Gus got started, he just wouldn’t take no for an answer and it happened for me. I closed on my condo in June and am now a proud owner. I have Gus to thank for this. He is the best! Kathy Freeman

Tammy S.: Lake Placid Florida

Gustan Cho is the best man for any Real Estate transaction,,, Period….

My husband and I used him to secure financing for our move to Florida. He was able to maneuver thru multiple lenders and submit our package for the best interest rate and the closing was a dream come true.

I highly recommend Gus to anyone who wants a person to stick by you through your whole deal. NOT to just sign you up and then refuse to take your calls.. Gus was always available day or night to take my calls, e mails, and even text messages. He is a wonderful person and a huge inspiration to the business world.

If you are a Realtor looking for someone who can handle even the most challenging deal, THEN look no further. Guston is very influential and has numerous contacts with great lenders from coast to coast. Just for example. Our loan was secured out of California, we lived in North Carolina and managed with his expertise to purchase our dream home in Florida on a lake. We recently purchased a boat and frankly we owe our life style to his determination. Actually the money that Gus saved us we were able to pay cash for the boat.. Now life doesn’t get any more perfect than that..

So I can rate Guston Cho to be a perfect 10 in all aspects of his field. So get off that doubting Thomas attitude that you will never qualify for a home loan and give him a call RIGHT NOW!

Signed, Tan and Fishing in Florida: Tammy Shriver

Todd J: Gurnee Illinois

Gustan Cho of The Money Store did a fantastic job in helping us get a home. I had to declare bankruptcy two years ago. Everyone I spoke to said there was nothing they could do. Gus took the time to listen and figured out how he could help. He said as long as I was at least two years remove from the bankruptcy I could qualify for a FHA loan. He walked me through the complete process and helped me get a 240,000 home loan. I cannot say how grateful I am for his help and willingness to listen to him clients.

Danna K: Los Angeles California

HELPED WITH PRE-APPROVAL ONLY

My fiancé had a loan modification on the last property he owned back in 2014. When it came time to purchase a home most lenders were hesitant to talk to us further after finding that loan mod. They gave us the run around and the clock was ticking on a good faith deposit we had placed on a potential property. I did a lot of research on loan modifications on Gustans website and found out we were getting the run around for no reason. Those lenders simply didn’t do their homework. Gustan and his team didn’t drop the ball in getting us a solid pre approval as well as continuing to educate me on the process. He made himself available 24-7 and the whole process was painless! I would highly recommend this skilled professional to my friends and family.

Danna Kelley

Teri T: Mobile Alabama

If you are looking for a mortgage or having a difficult time closing on an existing one. I highly recommend that you call Gustan Cho. He is not only knowledgeable in the mortgage industry but he is also a advocate for all home buyers with all types of credit history. He has worked with me for the last 3 weeks to close a loan that was with another mortgage lender, he didn’t have to do that but he did and I will always be great-full for that. He even offered to call the lender and assist them on getting our loan closed. I am grateful for everything he has done and when the time comes to go through this process again I am definately choosing Gustan Cho as our lender. I honestly believe he can get the job done and in a professional matter. I have only known Gustan for a few weeks, but I am telling you I trust this man and what he stands for. I encourage anyone and everyone looking for a mortgage to give Gustan Cho a call.

Teri Tracy

Francine S: Orlando Florida

Gus always responds to my questions via text message quickly. He responds in a thorough way because he is a professional. If he doesn’t know the answer to the questions he lets me know that he doesn’t know but then he goes and finds the answer. I live far from Gus but I will never choose another lender to handle my mortgages because I have found the very best one.

Laurie S: Miami Florida

Gus is the best in the business! Don’t waste your time going to the big banks where you are just a number. Gus will take care of you day and night and is only a phone call away. When purchasing my home he talked to me any time of the day and kept me in the loop on knowing EXACTLY where my loan was and how it was progressing. Gus made this experience extremely easy and before I knew it we had our home. Once you go with Gus, you will tell all your friends he is the only mortgage professional you need to know. I can’t wait to buy a new house!!!

Sam W: Oakland California

NONE. WE CONNECTED, BUT IT DID NOT WORK OUT.

Gus is absolutely the best. He is a straight shooter who does what he says he will do and is quick to return calls if you miss him. I have worked with others who are nightmares to deal with and I will always bring my business to him and recommend Gus to anyone buying property.

Jim C: Orland Park Illinois

I am in tears as I am writing this review on Gustan Cho, the sales manager of The Money Store. I got pre-approved by another lender and entered into a purchase contract back in June of 2015. The loan officer dealt with gave me a run around from the time we submitted all of our documents. Could not get a hold of him most of the time. Long story short, we ended up getting denied in November 2015. After a internet search, I found Gustan Cho’s blog on Gustan Cho Associates website and called. I left a message on a Saturday and was surprised he called me back. He interviewed me for almost an hour on the phone and told me that he can do my loan. My credit scores were at 585 and the reason my other gave me a denial was because I did not meet their minimum 620 credit score requirements. Why did that lender take 3 months to drag me along and give me a denial after promising me that I qualified.

Mr. Gustan Cho spoke with the home seller and explained the situation and the home sellers gave us a final extension after speaking with Mr. Cho. Mr. Cho took the leadership role and kept everyone from the sellers, to the sellers realtor, and sellers attorney so comfortable. We just closed on our dream home and got our keys yesterday. Mr. Gustan Cho is an Angel and there are no words of gratitude to express this Godsend of a true gift of God. We love Mr. Gustan Cho and is a member of our family. My attorney told us that he has never ever met such a magician of a loan officer like Gustan in his 30 plus years of practicing law. I am so impressed that such professionals like Gustan exists in this day and age. Thank you, Mr. Cho, for helping my family become homeowners and being so supportive. We love you, Gustan, and may God bless you.

Amy R: Michigan

Gus and his team provided our family continued support and encouragement during our home purchase. He and his entire team care very much for their clients and deliver on their promises. He said our loan would close and it did. When I had questions, they were answered quickly. My experience with all of the people I dealt with during the mortgage process cared and were responsive. When they knew I was tired or frustrated, they advocated for me. They were available 7 days/week and I even received continued communication over the holidays. They care as much as their clients about getting the deal done. I cannot thank them enough for everything they did for my family. I am glad to have gotten to know them professionally and personally. Even more so, I am glad there are people out there that can help borrowers like myself and always were kind and respectful.

Cindy S: Lockport Illinois

Thank you Gus for everything you have done for my family & I. I contacted Gus because I read how he specialized in difficult situations & was turned away by other mortgage brokers. Upon becoming a client, what I found was that Gus sincerely CARES about people. Awesome experience in going through this stressful mortgage process. He & the team made the situation into fun. There were many days when Gus had me laughing in stitches! This is not a lie. He is fun, but is nothing less than a true professional. He & his team truly outperformed my expectations. I also had an opportunity to speak with his wife Laurie who is a beautiful person also. Many thanks.

Dr. David M MD: Naperville Illinois

We were caught in the economic downturn & lost our home. Our case was difficult due to 2 foreclosures with 2 charged-off 2nd mortgages that showed balances. I found Gus’ name on the internet, was skeptical, but took a chance because had nothing to lose. Our experience: 1) AMAZING. It is unbelievable that ANY mortgage broker would work with you for 7 mos, recommend other professionals to help restore credit; 2) He is a person of integrity & follows through on his promises; 3) He is skilled, tenacious, smart & knows the mortgage business. Gus does not give up. Advice: I am personally cautious but do not let fear & skepticism cause you not to work with them. 2) Give them time to do the job. They always called me back quickly & were responsive to ALL of my questions. We will be closing on new home in coming weeks.

Rahul S: Rolling Meadows Illinois

We turned to Gustan Cho of The Money Store when all seemed lost. After suffering a foreclosure several years ago due to a circumstances beyond our control, my husband and I had resigned ourselves to the sad reality that we may never be homeowners again. We were referred by a friend who had a difficult loan closed by the Money store and decided on one last roll of the dice. Despite being less than perfect candidates we were treated like royalty by Gus and Darren Herringshaw and the rest of his professional team at the Money Store. They were super nice and accommodating and nothing was too much trouble for them. No question, however trivial, went without a prompt response. Any potential homeowner considering an FHA, or any other loan for that matter, should give Gus a call. I cannot recommend him personally, or the money store in general highly enough.

Thanks Guys. You are awesome!!!

Christine V: New Lenox Illinois

Gus is amazing! I struggled with getting my loan approved through other lenders because my ex husbands credit issues were reporting to my credit report. I spent months trying to get approved with other lenders who promised to help but just ended up wasting my time. I called Gus and he got the loan done in just a few weeks. He is also a wealth of knowledge regarding purchasing investment properties and goes above and beyond his lending duties to help new investors out. He is amazing and I plan on only using him for all my future home purchases/ refinancing.

Jim W: Waukegan Illinois

Gus and his Team at the Money store was prompt, professional, and courteous. They was patient and thorough answering all of my questions. They kept the ball rolling even when there were challenges in process I recommend them excellent Job!

Paula C: Tampa Florida

Gus and his crew were able to get me approved when two other lenders turned me away saying “wait 1-2 years”. When I had a question I was not even hesitant to ask, and I always got timely answers. Thanks to them I am in my new home for Christmas!

Susan M: Jupiter Florida

My experience with Gustan Cho has been excellent. He coached me on what to do to get my credit where it needed to be to qualify for a mortgage. The best part of my experience was that he kept me informed every step of the way the entire process! I …

Paul T: San Francisco California

The first thing I would say about Gus Cho is that above and beyond his considerable professional attributes he is just a darn good human being. He is honest, courteous and respectful. So much so that My family and I now consider him a lifelong friend as well as a trusted advisor on all things related to the home lending industry. My loan was far from clear cut, in fact prior to working with Gus, I was rejected by 3 (three) other lenders who were too lazy to go the extra mile to get me the outcome my situation deserved. Gus and his team over delivered and instilled confidence from day one through closing!

I have rarely, if ever, had the pleasure to work with an individual this competent and attentive. I have already began to refer my family and friends to Gus and The money store and will continue to do so in the future.

My family and I cannot thank Gus enough for what he has done for us!!!

Thomas H: Springfield Illinois

Gus helped me get a loan when local banks told me no. It was a long road due to lack of credit and the home we wanted was not move in ready but Gus delivered. He got us the loan that he promised us!

Jim T: Orlando Florida USA

I was looking for a mortgage broker that knows and care about the customer and I found him. Gustan went above and beyond in helping securing my mortgage loan and got me an incredible rate at 3.6% on a 15yr conventional. A lot of banks didn’t want to do my loan b/c I own too many property, but Gustan Cho promise that he would get the deal done and we did considering dealing with the government shut down and all. I didn’t gain just a mortgage, I also gain a good friend. I definitely recommend Gustan if you want your deal to get done.

Natasha F: Lake Placid, Florida

Gustan Cho is one amazing person who really went beyond the call of duty. Never in my life have I met such a caring individual like Gustan Cho of The Money Store where he worked 7 days a week to get our loan closed on time. We had credit issues and debt to income issues and in order to purchase and close on our current purchase, we had to close on the home we had. Problems arised where there was a delay on the folks who were purchasing our home where our new home purchase had to get delayed. Gustan Cho got a hold of the sellers agents, sellers attorney, and home seller and talked to them and made them understand where after Gus was done talking to them, everyone felt comfortable. We ended up closing our dream home and to this day, I feel indebted to both Gustan Cho and The Money Store.

Chuck M: St. Petersburg Florida

I was surfing credit repair websites and ran into this site with Gustan Cho’s article. My realtor introduced me to Gustan Cho over a year ago. My realtor, Jim Davis, told me that if I had credit problems, Gustan Cho can get me approved for a home mortgage. I had prior judgments, foreclosures, collections, and charge offs. I did not file bankruptcy. I called Gustan Cho and told him my situation. Gustan Cho told me to be totally honest with him if he wants my help. I was. Gustan Cho told me to apply online on his website, http://www.gustancho.com and did what I was told. Gustan Cho then told me that he could get me a mortgage but I needed to do several things in regards of my credit. Long story shot, Gustan Cho helped me and my wife Patty get our home with a FHA loan in about a year. Gustan Cho helped erase and repair our bad credit. I never doubted Gustan Cho. I highly recommend Gustan Cho for not just for mortgages, but for credit repair too. Gustan Cho does not charge for credit repair.

Charles M: Tampa Florida

I had been to at least 6 finance companies and was turned down by all of them. I gave up on buying a new house. Then a friend told me to contact Gustan Cho. They told me if anyone could get the deal done, he could. I was skeptical, but I called him anyway. This man is amazing! I gave him all my information and he went to work. A short time later he called me, and needless to say I expected to hear the same old thing, no deal. When he told me we had a deal put together and I could get the new house, I almost cried. Not only did he get the deal done, but every time I called him, he either answered the phone or got right back to me a short time later. I have so much respect for this man because of the way he treats his clients, his knowledge of the industry, and his relentless pursuit, I now consider him among my dearest friends! If you need help, contact Gustan Cho.

Donna A: Hollywood Lakes Florida

Gustan Cho goes above and beyond!! We were referred to Gustan Cho by a co-worker, he contacted us immediately after our inquiry and was there for us at every step thereafter; he even answered my call late on a Sunday evening. Gustan Cho explained every step of the loan process in a clear, concise way with patience and consideration for our lack of knowledge of the loan process, he made it easy and he delivered exactly what he said he would, excellent results. Gustan Cho is truly an honest professional that you can trust, he gives you his time and attention, that can’t be found everywhere, and that is what sets him apart from the rest.

Smitha R: Quantico Virginia

Last month, I bumped into into an online review (actually, a testimony) by a home buyer about Mr. Guston Cho. I googled for Mr. Cho’s contact details & I have been in touch with him.

Mr. Cho has proved to be the best guiding light regarding coaching me on getting my credit score up and guiding me about getting the pre-approval for the home loan.

Mr. Cho’s coaching is genuine, honest and he really puts effort into keeping in touch with the customers. He is reliable and trustworthy and truly caring.

As he directs his clients on the right path, he also makes sure that his clients are protected from becoming victims of scammers!

His mentoring, guidance and direction for his clients is very authentic and healthy. Mr. Guston is a blessing to me & the proof that God is watching out for me!!

Linda S: Barrington Illinois

I contacted many lenders in search of someone who could help me with a new mortgage. The vast majority of them never even returned my calls. Gus Cho not only called me back but immediately evaluated my situation and worked diligently to find me a loan.

This man is the real deal–he obviously knows his business very well but he offers his clients much more than expertise. He stays with you every step of the way and advocates for your best interests. I always felt that Gus was looking out for me and consider myself blessed to have found him.

If you are looking for a mortgage broker who will always be in your corner, Gus is the one for you. Don’t just take my word for it–have a five minute phone conversation with him and you will see what I mean.

Doug S: Jacksonville Florida

If you want or need a broker who truly has your best interest at heart and will demonstrate that interest every step of the way, Guston Cho is your man. I was blessed to have him work on my behalf, finding me not only the best mortgage deal, but engineered a price reduction that my realtor said was impossible.

He’s a rock star. He’s the best broker in the business. And now I am priviledged to count him as a friend.

Matt M M.D: Lake Forest Illinois

Gustan was extremely knowledgeable, helpful,timely and respectful. Dealing with this individual was the most pleasant and simple interaction process I’ve had with morgages. Highly recommend!!

Matt Malters

Gina P: Miami Florida

After hearing “No” and “Wait” or “Sorry, not happening” over and over again we had lost all hope of ever owning a home. Until one night after many prayers and research we came across Mr. Gustan Cho’s name on a credit blog. The writer highly recommended Gus as a miracle worker! We thought, what the heck, let’s give this guy a call and much to our surprise we were met with an incredibly personable, knowledgeable, and caring individual that simply makes the impossible possible. He has worked diligently on our dream of owning a home and has guided us every step of the way thereafter. He is simply the BEST broker in the business! We’re ecstatic to be closing on our dream home this month thanks to the MAGIC MAN! We are deeply grateful for his service and expertise. Forget the rest and call the best! Thanks again, Gus!

Michael K: Bonita Springs Florida

Bought a foreclosed home with a low down payment loan. A very difficult purchase and loan. Gus was there all through the process and would help after hours and on weekends. We got the loan and the home. Would recommend him to anyone.

Mike Kirby

Bonita Springs, Florida

Laura S: Jacksonville Florida

Mr. Cho of The Money Store is amazing asset to people in need of guidance through the mortgage process. He is incredibly responsive, polite, professional, knowledgeable, and will go above and beyond to facilitate collaboration to assure the propects of attaining a mortgage. I would highly recommend Mr. Cho to anyone looking to purchase a home. I have never met someone as passionate about helping others believe and achieve their dream of owning a home. Thank you Mr. Cho. I know I could not have done this without you. LS

Loretta O: Sarasota, Florida

I have been trying for some time to purchase my dream home unsuccessfully. That is until I was referred to Gustan Cho of The Money Store. I contacted Mr. Cho and he had me complete the application paperwork and to my surprise was automated approved. He worked very closely with me and within a very short time my loan was approved! What a great Christmas present! He is very thorough and knowledgeable. My percentage rate is low and he delivered on everything that he said he would. I like his direct approach. He knows the in’s and out’s and I highly recommend him.

Lorena Ortiz

Home buyer from Highland Homes

Latoya S: Joliet Illinois

I was referred to Gustan Cho from my father. He helped my father get a loan and he raved about him. This was my first home and I didn’t know what to expect. Mr. Cho guided me all along the way. He explained the complete process and worked with my agent very well. The seller agent was very slow, Mr. Cho took charge of the process and made it a smooth process for me. I was under the gun with a moving date Mr. Cho made sure my deal closed and I was able to move into my dream home. I recommend Mr. Cho to anyone no matter what their circumstance.

Latoya Smith

Jesus M:  Miami Florida

I had a previous foreclosure and collections on my credit report and my credit scores were in the low 500’s. I had a hard time qualifying for a rental because the property managers run your credit. Additional deposit was not an option and I just got flat out rejected. My real estate agent, Mike Wheeler from Aventura, Florida referred me to Gustan Cho. Gustan Cho is a Florida mortgage broker who has several offices throughout the state of Florida as well as other states. I contacted Mr. Gustan Cho per my realtor friend’s advise since my realtor friend told me that Gustan Cho was a mortgage magician and can do wonders. Mr. Gustan Cho was very professional and told me to apply online on his website, GustanCho.com. I told him that me applying at GustanCho.com might be a waste of time but he told me he will not waste my time and if I am serious about being a homeowner to apply online. I did exactly what Gustan Cho told me to do and filled out the mortgage application. Gustan Cho then called me and told me my credit scores were 508, 480, and 545. He told me he can help me get a mortgage but might take some time. Gustan Cho also told me he can fix my credit as well. Long story short, a little over a year later my credit scores are in the low 600’s and I just closed on my new house last week in North Miami, Florida. I strongly recommend to those with previous credit issues to contact Gustan Cho or a mortgage broker like Gustan Cho who will work with you long term and answer all of your questions and always returns your calls. I do not have his number handy but you can just Google GustanCho.com for his contact information.

M. MacKinnon: Aventura Florida

Gustan Cho is a true professional mortgage banker. My realtor, Jesus Rodriguez introduced me to Gustan Cho, a mortgage banker. I had a foreclosure, collections, charge offs, and pretty bad credit. When I met Gustan Cho, Gustan Cho told me to apply online at his website, GustanCho.com. I did what he asked me to do and filled out my mortgage application. My credit scores were in the low 500s. Mr. Gustan Cho told me that he will help me repair my credit and get me a home loan. Nine months later, I am in my new home. Thank you Gustan Cho. I will tell everyone I know about Gustan Cho. Gustan Cho went beyond the call of duty and got me, my wife Karen, and my children our dream home.

Colleen T: Palm Beach, Florida

Getting a mortgage on a condotel is extremely difficult. I tried everywhere. My lender of my condo hotel was Chase. My interest rate was 8.25%. I asked them if they can refinance my loan and they would not. They no longer refinance condo hotel. I finanlly found a mortgage banker, Gustan Cho, and he got me a 4.25% rate. You should check Gustan Cho out at http://www.gustancho.com or you can check with your local banks that you have a strong relationship with. I tried but to no avail. Gustan Cho (GustanCho.com) does a lot of condotel loans so you can try him. I referred another friend who owns a condotel in California to Gustan Cho but he was not licensed in California. So Mr. Cho referred one of his associated to my friend and she ended up closing on her condotel as well too. Wish you the best and I know what you are going through. Getting a mortgage on a condotel was next to impossible.