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 other lenders have not approved. 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.

Gustan Cho Associates Approves Mortgage Loans Other Lenders Cannot. That’s The Simple Truth. Over 80% of Our Borrowers at Gustan Cho Associates Are Folks Who Could Not Qualify or Get Approved by Other Lenders.

Gustan Cho Associates is the lender that turns “maybe” into “yes” and gets you closed fast. With 280 wholesale lending partners and 7-day support licensed in 48 states, you’ll get competitive rates and the green light, even with denials in your past.  

Why Choose Us: A Support and Licensed Staff Who Are Available 7 Days a Week

When you need a mortgage team that puts your interests front and center, Gustan Cho Associates is your best bet. We take pride in turning “no” into “yes” and closing loans others can’t.  With dozens of elite wholesale partners spanning 48 states, we hunt down the best rates and the quickest turn-times for you. We’re available daily and specialize in tough scenarios, so you’re never alone even when the clock is ticking—weekend, holiday, or after normal office hours. This guide explains how Gustan Cho Associates makes financing your dream home or investment property fast, hassle-free, and transparent.

What Makes Gustan Cho Associates Different from Other Mortgage Lenders?  

While the mortgage landscape is crowded, Gustan Cho Associates shines brighter than most. We’re not just another number-cruncher stuck in the slow lane. Instead, we’re a streamlined mortgage broker. We prioritize swift decisions, easy access, and giving you, the borrower, the power. Here’s a closer look at what sets us apart:  

48-State Reach, Plus the U.S. Territories, Too  

Gustan Cho Associates is fully licensed in 48 states, Washington, D.C., Puerto Rico, and the U.S. Virgin Islands. This means we can guide you wherever you are—Kauai, the Finger Lakes, or St. Thomas—without the restrictions most lenders face. One team tackles your paperwork, so the process from sunny shores to city skyscrapers stays smooth and predictable.

Vast Network of 280 Wholesale Lending Investor Partners

Our competitive edge comes from a vast team of 280 wholesale lending investor partners. This network lets us compare loan options side-by-side for your one-of-a-kind financial picture. We don’t stop at one lender. Whether it’s a non-QM loan, FHA, VA, USDA, or any other program, we find the deal that fits your life, ensuring you get the approval you deserve. Single-source lenders don’t have this flexibility— we do, and you benefit.

The Most Competitive Mortgage Rates in the Industry

Gustan Cho Associates is proud to provide the market’s most competitive mortgage rates. Thanks to our unique broker compensation plan, we keep costs in check. Our yield spread premium caps at just 2.75%. Compare that to the up to 10% most mortgage bankers charge, and you see why borrowers with us save big. Every percentage point we cut means low monthly payments and thousands in saved interest over the loan.

Round-the-Clock Availability: 7 Days a Week, Evenings, Weekends, and Holidays

Close the gap between applying and owning with our nonstop availability. Our team stands ready every day of the year—yes, even holidays—until the phones and emails stop. Whether you need a rate quote, a loan update, or someone to reassure you, we answer day or night. This level of support doesn’t just keep you in the loop; it makes the funding and closing timeline faster and smoother.

Why 80% of Our Borrowers Can’t Get Approved Anywhere Else—and the Way We Change That

Nearly 80% of the clients who walk through our doors have already been denied by other lenders. The reason? Most banks and mortgage firms pile on strict overlays—extra rules that go well beyond the standard guidelines set by the government or agencies—leaving many borrowers on the sidelines. At Gustan Cho Associates, we say no to these roadblocks:

No Lender Overlays: We Follow the Same Rules the Agencies Set—Nothing More, Nothing Less

We go by the standard rules set by FHA, VA, USDA, Fannie Mae, and Freddie Mac, and we don’t invent new ones. Borrowers with lower credit scores, freelancers who report income through deposits, or anyone who faced a setback a few months ago can still see the “approved” stamp on their application. We give your exception the chance to shine rather than disappear.

Tailored Loan Options for the Situations No One Else Can Cover

Our product lineup works for your real struggles, not the ideal borrower who never existed. We offer bank statement loans for self-employed clients and have flexible non-QM mortgage options that think outside the W-2 and pay stub norm. If you’ve been turned away for credit dips, a debt-to-income ratio that makes underwriters twitch, or simply for not having the documents a traditional bank loves, we have fast paths to approval that fit your life.

Personalized Guidance Every Step of the Way

At Gustan Cho Associates, buying a home should feel like a joyful adventure, not a stressful chore. That’s why we walk you through the entire mortgage process, step by step. From the moment you think about a mortgage to when you close your new home, we teach you exactly what’s happening so you never feel lost. You’re ready to make the right choices when you know your stuff. Knowledge is your superpower, and we make sure you have it at every turn.

Resources Available for Viewers, Borrowers, and Real Estate Investors at Gustan Cho Associates

Mortgages are just the start of what we offer. Explore a treasure chest of free online tools, guides, and communities, whether buying your first house, ramping up your investment portfolio, or just thinking about your options. These resources are built to guide you all the way, no matter where you are in your home journey.

Great Content Authority Forums (GCA FORUMS): Your Nationwide Online Community

The heart of our support is the GCA FORUMS, a buzzing online hub open to anyone at no cost. When you register, you can:  

• Search through thousands of discussions on real estate, mortgages, and more.
• Post a question and receive quick, expert answers from our pros and your other members.
• Share your stories, tips, or answers to help someone else on the same path.
• Keep up with the latest mortgage rules, industry news, and emerging trends.  

Think of the forums as your 24/7 team, cheering you on and serving fresh information so you never miss a beat. Join today and step into a community that growing smarter and stronger with every new members.

Educational Blog and Guides on Mortgage and Real Estate Topics

Explore our comprehensive blog section, filled with guides and articles on every step of the mortgage and home-buying journey—from securing pre-approval to mastering proven investment techniques. Each piece is tailored to be readable and search-engine friendly, delivering practical advice you can immediately implement.

Tools for Borrowers and Investors: Calculators, Checklists, and More

Take advantage of free, user-friendly tools to empower you on your journey. Use our mortgage payment calculators, eligibility checklists, and side-by-side rate comparisons. For investors, we offer straightforward deal analyzers and real-time market insights to simplify your decision-making.

Best Mortgage Calculator

Access to the Latest Industry News and Guidelines

Never miss an update. Our team curates the most relevant news on mortgage rates, changing regulations, and market trends and delivers it straight to you. Stay informed with concise, actionable summaries of what the latest conditions mean for your strategy.

How Gustan Cho Associates Ensures a Fast Approval and Closing Process

Speed and efficiency guide our entire operation. Each step is orchestrated to move you swiftly, from the moment you submit your application to the final signature at the closing table.

Streamlined Application and Underwriting

We simplify the workflow with advanced technology and a vast partner network, drastically reducing wait times. While traditional lenders can take weeks, our team typically delivers approvals in days.

Personalized Support for a Smooth Journey

To make mortgages stress-free, we provide support seven days a week and tailored one-on-one education. Forget long waits and confusing jargon; we promise an enjoyable and unforgettable journey.

Proven Success, Real Results

Join the thousands who won with us, even after being turned down. Our proven playbook means you’re not just getting a “yes”—you’re getting paper-ready and closed in record time, often before other lenders even look at the details.

Let’s Get the Ball Rolling Today

Don’t settle—team up with a lender on the edge. Gustan Cho Associates brings top-tier licensing, unbeatable rates, and acres of resources, all fueled by a single promise: your fast, on-time success. Our doors at Gustan Cho Associates are open to clients turned down before and savvy investors after creative loans.

Many consumers, homebuyers, homeowners, and real estate investors and professionals as well as many mortgage professionals do not realize a mortgage company like Gustan Cho Associates exists: We do loans other lenders cannot do!!!

Hop on our website, peek at the GCA FORUMS, or call us any day of the week. Let’s make that loan paperwork quick and smooth for you. Experience the Gustan Cho difference and move in while other lenders are still processing. 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. 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 thoroughly review your situation before giving you a pre-approval letter so you can move forward without stress.

Why Choose Us? 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 on government and conventional loans. This is a very important factor why Gustan Cho Associates approves loans other lenders cannot.

If you receive an approved/eligible finding from the Automated Underwriting System (AUS) and meet the standard conditions, we will close your loan on time. No extra hurdles. No surprises. No lender overlays.

We Offer More Loan Options Than Most Lenders

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

Why Gustan Cho Associates? 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? If a loan program is available in today’s market, we have it and know how to close it quickly.

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. Feel free to contact 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, nor 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.

We Market What We Actually Have

Some lenders lure borrowers with bait-and-switch tactics—advertising programs they can’t 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 importantly, We Close Loans. Not Only Do We Close Loans, But We Close Loans On time. If other lenders have told you no, you are worried about qualifying, or you 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 call 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 nationwide get into their dream homes, even if other lenders have turned them down. Reach out today, and let’s begin 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 that 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: Many lenders won’t help unless you meet strict income requirements if you’re an investor. 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 difficult to reach after 5 p.m. or on weekends. Why choose us? We are available seven days a week, including evenings and holidays, so please feel free to 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 qualify you thoroughly, 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 August 28th, 2025.