Why Choose Us As Your Mortgage Advisors?

Why Choose Us: The Mortgage Team That Gets You Approved and Closed—Fast!

Are you tired of hearing “no” from mortgage lenders? You are not alone. At Gustan Cho Associates, we help homebuyers and real estate investors nationwide who have not been approved by other lenders. If you’re asking yourself why you chose us for your mortgage, this guide will give you the answers—and show you why so many borrowers trust us to get them approved and closed.

We do loans others can’t. That’s the simple truth.

Let’s walk through what makes Gustan Cho Associates your best choice in today’s challenging mortgage market.

Why Choose Us? We Have the Programs, the Rates, and the Answers

The housing market in 2025 is not easy. Mortgage rates have been volatile. Many banks and lenders have tightened credit standards. And too many lenders still use lender overlays—extra rules on top of FHA, VA, USDA, and conventional guidelines—that stop good borrowers from getting approved.

That’s where we are different. Because at Gustan Cho Associates:

• We impose no additional requirements on government and conventional loans.
• We are licensed in 52 states
• We have a network of more than 210 wholesale mortgage lenders to help you find the perfect match.
• We offer dozens of non-QM and alternative loan programs
• Our loan officers and support team are available 7 days a week, including evenings and weekends

Why choose us? Because we understand that buying a home is the biggest financial step many take in life. You need a lender who listens, finds solutions, and delivers results.

Why Choose Us When Others Say No?

Over 80% of our borrowers come to us after being turned down by other lenders. Many have heard:

• “Your credit score is too low.”
• “Your debt-to-income ratio is too high.”
• “We can’t approve you because of your self-employment income.”
• “You have collections or a bankruptcy—we can’t help you.”

At Gustan Cho Associates, we help people with different financial situations. We can approve loans for those with credit scores as low as 500 FICO using FHA, VA, and non-QM programs. We also work with borrowers with high debt-to-income ratios, allowing up to 65% DTI on VA loans. We can assist you with our non-QM programs if you have gone through a recent bankruptcy or foreclosure. We also help individuals with collections or charge-offs.

For self-employed borrowers, we accept bank statements, profit and loss statements, or asset depletion for your application. We evaluate your situation thoroughly before giving you a pre-approval letter so you can move forward confidently without stress.

No Lender Overlays Means More Approvals

If you’ve never heard of lender overlays, it’s important to understand their meaning. The basic guidelines for FHA, VA, USDA, and conventional loans are already established. However, many lenders implement additional rules, known as overlays, on top of these existing guidelines. Unfortunately, these overlays can prevent many good borrowers from obtaining approval for a loan.

Why choose us? Because we do not have lender overlays.

If you get an approve/eligible finding from the Automated Underwriting System (AUS) and can meet the standard conditions, we will close your loan—on time.

No extra hurdles. No surprises. No overlays.

We Offer More Loan Options Than Most Lenders

Gustan Cho Associates is a true one-stop mortgage shop.

Why choose us? Because we can offer more loan programs than most banks or retail mortgage lenders:

1. FHA loans—down to 500 credit score
2. VA loans—down to 500 credit score, up to 65% DTI
3. USDA loans
4. Conventional loans
5. Jumbo loans with 10% down and flexible guidelines
6. Non-QM loans:
   • Bank statement mortgages for self-employed borrowers
   • P&L statement mortgages
   • Asset depletion loans
   • Non-QM loans are available just one day after bankruptcy or foreclosure.
   • DSCR (Debt Service Coverage Ratio) loans for investors
   • Fix and flip loans
   • Condotel loans
   • Foreign national loans

Why choose us? Because if there is a loan program available in today’s market, we have it—and we know how to close it fast.

We Close Loans Others Can’t

Many lenders issue weak pre-approvals without fully qualifying the borrower. The result? Borrowers get hit with last-minute loan denials and lose the homes they want.

Why choose us? Because at Gustan Cho Associates:

• We thoroughly review your file before issuing a pre-approval letter.
• We consult our underwriting managers or agencies directly on complex files.
• We close loans that other lenders deny.

Our process helps you avoid stress, delays, and heartbreak. When we issue a pre-approval letter, it means we expect your loan to close—and to close on time.

We Are Available When You Need Us

Too many lenders work banker’s hours—leaving you hanging if you have questions on evenings or weekends.

At Gustan Cho Associates, we are committed to being there for you every step of your homebuying journey. Our licensed loan officers and support staff are available seven days a week. You can reach us late at night, on weekends, and on holidays. We prioritize prompt communication, so you can always expect a fast response whether you contact us by phone, text, or email. Your homebuying experience doesn’t adhere to typical business hours, and neither do we.

Why Choose Us for Your Mortgage? We Make the Process Simple and Stress-Free!

We’re committed to helping you find the perfect mortgage for your needs, with competitive rates and personalized service. Contact us today to experience why so many homeowners trust us with their mortgage needs.

We Know How to Help Self-Employed Borrowers

Self-employed borrowers are often told no by traditional lenders—even when they make plenty of income.

Why choose us? Because we are experts in helping self-employed borrowers qualify for home loans.

We provide various loan choices designed specifically for self-employed individuals, such as bank statement loans that do not necessitate tax returns, P&L statement mortgages, and asset depletion loans. Whether you own a business or work as an independent contractor, we understand the unique nature of your income and have the right loan programs to meet your needs.

We Stay Ahead of the Market

In 2025, the mortgage market is changing fast.

Rates are up and down. Guidelines shift. Many big banks have exited certain loan types.

At Gustan Cho Associates, we constantly adapt to the market by monitoring guideline changes across our 210+ wholesale lenders, ensuring we’re always informed about the latest developments. We specialize in non-QM and alternative lending, which helps us stay ahead in the market. We regularly add new loan programs to serve more borrowers. Our focus on being flexible means we offer you the most current loan options available today.

We Market What We Actually Have

Some lenders lure borrowers with bait-and-switch tactics—advertising programs they can’t really deliver.

At Gustan Cho Associates, we only market loan programs we can truly offer and close. Our loan officers educate you about the process, set realistic expectations, and communicate clearly from start to finish.

You’ll never have to wonder whether your pre-approval is real or your loan will close.

We Get Results

Why choose us? Here’s the bottom line:

• We help borrowers with low credit scores
• We help borrowers with high debt-to-income ratios
• We help self-employed borrowers
• We help borrowers with recent credit events
• We offer non-QM loans that most banks don’t

And most important:

• We close loans. On time. Without stress.

If other lenders have told you no, are you worried about qualifying, or want a team that will fight for your approval, why choose us? Because this is exactly what we do every day.

Why Choose Us? Contact Us Today and See for Yourself!

If you are ready to experience the Gustan Cho Associates difference, please contact us at 800-900-8569, text us for a faster response, or email us at gcho@gustancho.com.

We are available 7 days a week, evenings, weekends, and holidays.

Why choose us? Because we deliver what we promise. We offer hassle-free pre-approvals and many loan options without all the extra stuff some lenders require. Our team is here to guide you through every step of the process. We help people all over the country get into their dream homes, even if they’ve been turned down by other lenders. Reach out today, and let’s kick off your journey to buying the perfect home!

Frequently Asked Questions About Why Choose Gustan Cho Associates for Your Mortgage Needs:

Q: Why Choose Us Instead of a Big Bank for Your Mortgage?

A: Big banks often have stricter rules and fewer loan options. Why choose us? We have over 210 lenders to find the right loan for your situation—even if you’ve been turned down before.

Q: I was Told My Credit Score was Too Low. Why Choose Gustan Cho Associates for My Loan?

A: Most lenders require higher credit scores. Why choose us? Because we help borrowers with credit scores as low as 500 FICO for certain loans, and we don’t add extra requirements like many banks do.

Q: What are Lender Overlays, and Why Choose Gustan Cho Associates if I have Trouble Getting Approved?

A: Lender overlays are extra rules many lenders add to make getting a loan harder. Why choose us? We don’t use lender overlays—we follow basic FHA, VA, USDA, and conventional guidelines to help more people qualify.

Q: What if I am Self-Employed?

A: Self-employed borrowers often get denied because they can’t show traditional income on tax returns. Why choose us? We offer loans using bank statements, profit & loss statements, or asset depletion to help self-employed borrowers qualify.

Q: Why Choose Gustan Cho Associates if I’ve had a Bankruptcy or Foreclosure?

A: Many lenders make you wait years after bankruptcy or foreclosure. Why choose us? We offer non-QM loans that can help you get approved as soon as one day after bankruptcy or foreclosure.

Q: How About Investment Property Loans?

A: If you’re an investor, many lenders won’t help you unless you meet strict income requirements. Why choose us? We offer DSCR loans and other flexible programs that let you qualify based on the property’s income—not just your personal income.

Q: Why Choose Gustan Cho Associates if Another Lender Turned Me Down?

A: Over 80% of our borrowers came to us after being turned down elsewhere. Why choose us? Because we specialize in helping people with low credit scores, high debt-to-income ratios, and unique financial situations that other lenders can’t handle.

Q: Why Choose GCA if I Need My Loan to Close Fast?

A: Some lenders take forever or give last-minute denials. Why choose us? We do a full review of your file upfront, so when we issue a pre-approval, we expect your loan to close fast—and on time.

Q: What if I Need Help Outside of Regular Business Hours?

A: Many lenders are hard to reach after 5 p.m. or on weekends. Why choose us? We are available seven days a week, including evenings and holidays, so you can always contact us when you need answers.

Q: I Want a Stress-Free Mortgage Process. Can You Help?

A: Getting a mortgage can feel stressful, especially if you’ve had problems. Why choose us? Because we take the time to thoroughly qualify you first, clearly explain your options, and support you all the way to closing—with no surprises.

This blog about “Why Choose Us For Your Mortgage Needs?” was updated on June 13th, 2025.