Why Choose Us As Your Mortgage Broker?

A frequently asked question by many of our viewers at Gustan Cho Associates is why choose us as your mortgage broker? Gustan Cho Associates, empowered by NEXA Mortgage, LLC are mortgage brokers licensed in 48 states, including Washington, DC, Puerto Rico, and the United States Virgin Islands (Not yet licensed in MA, and NY).

Gustan Cho Associates, a dba of NEXA Mortgage, LLC, is the largest and fastest mortgage broker in the nation with a lending network of 210 wholesale mortgage lenders.

So why choose us at Gustan Cho Associates as your mortgage broker?  Gustan Cho Associates has the states (licensed in 48 states), the mortgage loan products (Network of 210 wholesale lending partners), and the lowest mortgage rates (Maximum lender compensation of 2.75% yield spread premium from wholesale lenders). The team at Gustan Cho Associates is available seven days a week, evenings, weekends, and holidays. Our support, operations, and licensed personnel are available 15 hours a day, 365 days a year to serve our clients with no days off.

Fastest Growing Mortgage Broker Licensed in 48 States

The team at Gustan Cho Associates understands that a home is most people’s single largest investment in their lifetime. A home is where memories are made. Most people save years for the down payment and closing cost funds for a home purchase.

Gustan Cho Associates has a national reputation for being able to close mortgage loans other lenders cannot do. The team at Gustan Cho Associates are experts in helping borrowers with credit scores down to 500 FICO qualify and get approved for a mortgage loan with no stress during the mortgage process.

Gustan Cho Associates understands the stress a borrower can have during the home buying and mortgage process. One of the biggest reasons for stress during the mortgage process is the loan officer issuing a pre-approval letter before the borrowers are fully qualified. This will not happen at Gustan Cho Associates.

Why Choose Us Versus The Competition For Your Home Loan?

Why Choose Us Versus The CompetitionThe mission of Gustan Cho Associates is to help first-time homebuyers, borrowers with prior bad credit and lower credit scores, self-employed borrowers, and borrowers who could not qualify at other mortgage companies secure a home loan with competitive rates.

Gustan Cho Associates has a national reputation of not having lender overlays on government and conventional loans. We have zero lender overlays on FHA, VA, USDA, and Conventional loans. We just go off the automated findings of the automated underwriting system.

Service to our borrowers is of utmost importance. We feel the competition never sleeps so our goal is to beat our competition by offering quality loan programs at competitive rates and being available for our borrowers 7 days a week, on evenings, weekends, and holidays. All phone calls, texts, and emails are promptly returned at all hours.

Our Borrowers Not Only Close But Close on Time

All of our loan officers will not issue a pre-approval letter unless the borrower is fully qualified and has an automated underwriting system approval. On questionable manual underwriting files, we will run the case scenario by our underwriter and get a second opinion from an underwriting manager or from the agency directly. Since we have no lender overlays on government and conventional loans, all we need is an approve/eligible per automated underwriting system (AUS).

Best Mortgage Brokers For Home Loans Down to 500 FICO

Gustan Cho Associates has a hybrid business model of no other lender overlays on FHA, VA, USDA, and Conventional loans and is able to broker non-QM and alternative financing mortgage loans. Over 75% of our borrowers are folks who could not qualify at other mortgage companies or have gotten a last-minute loan denial due to their lender overlays. We have zero lender overlays.

The Best Mortgage Brokers For Bad Credit

We can do FHA loans with 500 credit scores, VA loans with 500 FICO and 65% debt-to-income ratio, manual underwriting, outstanding collections and/or charged-off accounts, and other types of bad credit. As long as the borrower meets the agency mortgage guidelines, we will qualify, approve, and close the loan. Self-employed borrowers can benefit from our non-QM loans such as no-doc mortgages, bank statement loans, stated income loans, asset depletion mortgages, P and L statement stated income mortgages, and dozens of other special loan programs for owner-occupant homes, second homes, and investment properties.

Why Choose Us as Your Mortgage Broker

Mortgage Brokers Available 7 Days A Week For Our Clients

The team at Gustan Cho Associates understands the importance of the loan officer being available 7 days a week if borrowers have any questions. This is why all of our licensed personnel and support staff are available 7 days a week, late evenings, weekends, and holidays. You will always be able to reach us at 262-716-9151. Text us for a faster response. You can email us at gcho@gustancho.com. This holds true including evenings, weekends, and holidays. The team at Gustan Cho Associates does not believe in having banker’s hours at Gustan Cho Associates. The pre-approval stage of the mortgage process is the most important step.

Avoid Stress During The Mortgage Process

No Stress During The Mortgage ProcessThe main reason why homebuyers stress during the mortgage process and get a last-minute mortgage denial is that the loan officer did not properly qualify the borrowers prior to issuing a pre-approval letter. At Gustan Cho Associates, all borrowers are fully vetted and qualified before a pre-approval letter is issued by a loan officer. Over 75% of our borrowers are folks who could not qualify at other lenders due to their lender overlays. Gustan Cho Associates has no lender overlays on FHA, VA, USDA, or Conventional loans.

Zero Lender Overlays on FHA, VA, USDA, and Conventional Loans

We have zero lender overlays on government and conventional loans. Specialty mortgages and non-QM loans are available for borrowers who cannot qualify for traditional mortgage programs. We have traditional 90% jumbo loans with credit score requirements down to 660 FICO and debt to income ratio up to 50% DTI. Non-QM jumbo loan programs allow for credit scores down to 500 FICO. Gustan Cho Associates has a national reputation for being a one-stop mortgage shop. This is due to dozens of our non-QM wholesale lending relationships with non-QM and alternative financing mortgage partners.

Best Mortgage Brokers For Non-QM Loans

If there is a mortgage loan program in the market, you can rest assured that Gustan Cho Associates has it. Some of our popular non-QM loan programs include bank statement mortgages, non-QM mortgages one day out of bankruptcy and foreclosure, asset-depletion loans, fix and flip loans, and 10% down. payment traditional jumbo mortgages, non-QM Jumbo mortgages with credit scores down to 500 FICO, and dozens of other alternative mortgage loan programs.

The Best Mortgage Brokers For Self-Employed Borrowers

We are experts on alternative income financing is another reason why choose us for your home loan. We are experts in bank statement loans, no-doc mortgages, asset depletion, stated income loans, and other forms of creative financing. Our goal at Gustan Cho Associates is to get licensed in most of the 50 states in the near short term. Many realtors, buyers, sellers, attorneys, loan officers, and other mortgage and real estate. professionals do not realize a mortgage company like Gustan Cho Associates exists.

Why We Can Home Loans Others Can’t?

As we get discovered, more and more folks are requesting our services. We are developing a reputation for being able to approve and close loans other lenders cannot. All of our loan officers will thoroughly pre-underwrite and process a mortgage loan application prior to issuing a pre-approval letter. You will not see stress during the mortgage process or a last-minute mortgage loan denial at Gustan Cho Associates. Your loan will not just close but will close on time.

Why Gustan Cho Associates Mortgage Process Is Smooth With No Stress

Why choose us for your mortgage needs? You will not stress during the mortgage process. We do not issue pre-approvals unless the borrower is able to close and close on time. The qualification and pre-approval step of the mortgage process is the most important stage of the entire mortgage approval process: One of the major reasons borrowers stress during the mortgage process is because the loan officer did not properly qualify the borrower prior to issuing the pre-approval letter.

Mortgage Brokers With The Best Rates For Lower FICO Scores

Not only are we able to do loans others can’t but we have the best rates in the industry. We have no issue and encourage our clients to shop for the best rates. They all return to us due to the lowest rates we have.  Borrowers at Gustan Cho Associates do not stress during the overall mortgage process.

Mortgage Brokers That Market Only Products That Exist: NO Bait and Switch

Our loan officers individualize each borrower’s loan program and educate them on how the mortgage process works. We set proper expectations with all of our borrowers. One thing all of our borrowers know and understand is all of our pre-approvals at Gustan Cho Associates are not just close, but we strive to make sure it closes on time.

Best Mortgage Brokers For Bad Credit No Lender Overlays

If you get an approve/eligible per the automated underwriting system (AUS) and can meet all the conditions on the AUS, you will not just close, but close on time. Please contact us if you have any questions and/or want to start the qualification and pre-approval mortgage process with a mortgage company licensed in multiple states. We have no lender overlays on government and/or conventional loans. Gustan Cho Associates has dozens of unique non-QM and alternative mortgage loan programs to suit every homebuyer’s and real estate investor’s financing needs.

Largest Non-QM Mortgage Brokers Licensed in 48 States

No Lender Overlays On Government And Conventional Loans Plus Dozens Of Non-QM Wholesale Lending PartnersNot only does Gustan Cho Associates have no lender overlays on FHA, VA, USDA, and Conventional loans, but we offer dozens of non-QM and alternative mortgage loan programs. If there is a mortgage loan program available in today’s marketplace for owner-occupant homes, second homes, or investment homes you can rest assured you will find it at Gustan Cho Associates.

Over 80% of our borrowers at Gustan Cho Associates are folks who could not qualify at other lenders. These borrowers could not qualify at other mortgage companies either due to a last-minute mortgage loan denial or due to their lender overlays.

Other borrowers could not qualify at other mortgage companies because they did not offer non-QM and alternative mortgage loan programs. Our hybrid business model of being mortgage bankers with the ability to broker loans to wholesale specialty lenders makes us a one-stop mortgage shop.

One-Stop Full-Service Mortgage Broker With Best Rates

Another reason why choose us at Gustan Cho Associates is we have a national reputation of being one-stop full-service mortgage brokers with the best rates. The main reason why borrowers choose Gustan Cho Associates is that we are a one-stop mortgage shop. Gustan Cho Associates has zero lender overlays on government and conventional loans and has the ability to broker non-QM and specialty loan programs.

Mortgage Brokers With Thousands of Non-Prime Mortgage Options

Gustan Cho Associates has all up-to-date non-QM and alternative mortgage loan programs on owner-occupant homes, second homes, and investment properties. Contact us at Gustan Cho Associates at 800-900-8569 or text us for a faster response. Or email us at gcho@gustancho.com. The team at Gustan Cho Associates is available 7 days a week, on evenings, weekends, and holidays.