Reviews & Testimonials

Gustan Cho Associates is a dba of NEXA Mortgage, LLC. We Are Mortgage Brokers Licensed in 48 States (Not Licensed in NY, MA) including DC, Puerto Rico, and the U.S. Virgin Islands. The Team at Gustan Cho Associates is Available 7 Days a Week, Evenings, Weekends, and Holidays.  Click here or call us: TOLL FREE number at 1-800-900-8569 with any questions. Text Us at (800) 900-8569 For a Faster Response.
Gustan Cho Associates is a dba of NEXA Mortgage, LLC NMLS 1660690 (not a dba of NEXA Mortgage in Georgia), the fastest growing mortgage broker licensed in 48 states. The team at Gustan Cho Associates NMLS 2315275 is regionally based in Oakbrook Terrace, Illinois, we have a national reputation of being able to do mortgage loans other lenders cannot do. Read our Testimonials and Reviews from our clients. We love to share what our borrowers say about their experience with our licensed loan officers and support/operations staff at Gustan Cho Associates
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  1. I need your help in refinancing my house to buy out my husband we’re in divorcing process.

    We’re also in Chapter 13 BK.

    Please reply

  2. I was satisfactorily completed my chapter 13 plan and was discharged 05-2020. So I’m 1.5 years after discharge and my regular credit union is standing hard on their 2-year waiting period. I want to move to North Carolina or north Georgia and I have found a few small places that I like and was wondering if I could get them financed or do I have to wait until May of 2022 to clear my credit report of chapter 13? My score is 720 ish and I have 15-20k in cash to close a deal. Taxes in 2020 were gross 48k. Taxes for 2021 will probably show 60 k. Don’t have a real debt except for a 34k mortgage on some rental property. The places I’m looking at are in the 200k price range with taxes 800 per year and insurance maybe 1000 per year. FHA? OR?

    1. We can definitely help you with your FHA loan under manual underwriting. Gustan Cho Associates has no lender overlays on government and conventional loans. Let’s get started and get you qualified and pre-approved. Please email us with your contact information at We are looking to working with you and your family.

    1. Yes, you need to have been in a open Chapter 13 repayment plan for at least 12 months and you can qualify for an FHA and/or VA loan.

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