Why is GCA different than other lenders? If you have never heard of Gustan Cho Associates (GCA Mortgage) Empowered by NEXA Mortgage NMLS 1660690, then one of your first questions is why is GCA Mortgage different than other lenders? Gustan Cho Associates is a mortgage broker licensed in 48 states (NOT LICENSED IN NY, MA). Gustan Cho Associates | NEXA Mortgage, LLC has lending partnerships with over 160 wholesale mortgage lenders.

Our Close-Knit Relationship With OVER 160 Wholesale Lenders

Our Close-Knit Relationship With OVER 160 Wholesale Lenders

Most of our relationships with government and conforming lenders do not have lender overlays on FHA, VA, USDA, and conventional loans. We are proud to be running our business model on a broker platform. By being a mortgage broker versus a mortgage banker, the team at Gustan Cho Associates is able to offer our borrowers a wide variety of mortgage loan product options in 48 states, at competitive rates.

Why is GCA Mortgage Different Than Other Lenders? States, Products, Rates

Why is GCA Mortgage different than other lenders? We are licensed in 48 states including Puerto Rico. Upper management has in being licensed in all 50. Over 75% of our borrowers at Gustan Cho Associates are folks who could not qualify at other lenders. We do not just offer your everyday FHA, VA, USDA, and conventional loans but have hundreds of non-QM and alternative financing mortgage options. If a particular loan program is launched and available in the mortgage market, you can count on Gustan Cho Associates to have a partnership with the specialty wholesale mortgage lender.

Why is GCA Different Than Other Lenders? Contact Us 7 Days A Week to Get Pre-Approved

National Reputation of Being Able to Do Loans Other Lenders Cannot Do

NEXA Mortgage, LLC dba Gustan Cho Associates has a reputation for being able to approve and close mortgage loans other lenders cannot do. Over 75% of our borrowers at Gustan Cho Associates are people who could not qualify at other lenders. Many homebuyers, realtors, real estate attorneys, and even loan officers cannot believe a mortgage lender/broker like Gustan Cho Associates ever existed. We are proud of our team members, from support staff to ops, processing, loan officer assistants, loan officers, team leaders, sales managers, branch managers, and third-party vendor partners, especially our VERIFIED Preferred Realtor Partner Network members. It is the people that make a team and a great name. We are grateful.

About Us at Gustan Cho Associates | NEXA Mortgage, LLC

GCA Mortgage Empowered by NEXA Mortgage, LLC is a mortgage broker licensed in 48 states. The Oakbrook Terrace, Illinois Branch NMLS 2315275 is our regional central headquarters is based. Our corporate office of NEXA Mortgage, LLC NMLS 1660690 is headquartered in Chandler, Arizona. Gustan Cho Associates offers government and conventional loans with lender overlays. We have countless lending relationships with specialty wholesale lenders. Our goal has always been to offer the best service, selection of mortgage loan options, and competitive rates. The best interest of our borrowers is hands down our top priority among our licensed and support personnel.

Why is GCA Different Than Other Lenders? No Competition

Type of Mortgage Loan Programs Available

tGustan Cho Associates has over 160 wholesale lenders including specialty niche market wholesale investors. During today’s volatile housing markets where home prices are surging, where we can broker non-QM and alternative mortgage loan programs to specialty wholesale lenders. We have over a dozen lending partnerships with non-QM and alternative wholesale mortgage lenders. If there is a mortgage loan program in the marketplace, you can rest assured Gustan Cho Associates has it. Some of our popular loan programs besides having zero lender overlays on FHA, VA, USDA, and Conventional loans are no-doc home loans, bank statement loans for self-employed borrowers, asset-depletion, P and L stated income mortgages, and dozens of other alternative loan programs for owner-occupant homes, second homes, and investment properties.

Why is GCA Different Than Other Lenders? Over 75% of Our Borrowers Are Folks Denied at Other Lenders

Why is GCA Different Than Other Lenders? 

There are tens of thousands of mortgage companies in the United States. All mortgage companies are licensed and bonded. Why deal with Gustan Cho Associates when I can stop by and try to qualify at a local brick and mortar mortgage company. The team at Gustan Cho Associates are experts in their fields and know how to handle tough files. Over 75% of our borrowers are folks who either got denied for a mortgage or could not qualify at other mortgage companies due to their lender overlays.

Why is GCA Different Than Other Lenders? All of Our Pre-Approval Don’t Just Close But Close on Time

Our loan officers will NOT issue a pre-approval letter unless the borrower is fully qualified and will be able to close the loan. We do not believe in stress during the mortgage process or getting a last-minute mortgage loan denial during the mortgage process. Gustan Cho Associates is licensed in multiple states. Our goal aT Gustan Cho Associates  Empowered by NEXA Mortgage, LLC is to be licensed in all 50 states. What does Gustan Cho Associates Mortgage offer that other lenders do not?  In the following paragraphs, we will discuss and cover why is GCA different than other lenders.

The Main Reason Why is GCA Different Than Other Lenders

Many real estate professionals, home buyers, sellers, and loan officers do not realize a mortgage company like Gustan Cho Associates Empowered by NEXA Mortgage, LLC NMLS 1660690 exists. Over 75% of our clients at GCA Mortgage are folks who could not qualify at other lenders do their lender overlays. Other borrowers could not find a lender that offered a certain niche product. Gustan Cho Associates Empowered by NEXA Mortgage, LLC NMLS 1660690.

Why is GCA Different Than Other Lenders? Create Alternative Loan Programs

GCA Mortgage has wholesale lending relationships with 160 wholesale lending investors. Gustan Cho Associates has a national reputation for being able to do loans where other lenders can’t. This is because Gustan Cho Associates has a no-lender overlay business model on government and conventional loans. We only go by the agency mortgage guidelines of HUD, VA, USDA, Fannie Mae, and Freddie Mac with no lender overlays on government and conventional loans. We originate and close.

FHA and VA Loans with Credit Scores Below 580 with No Lender Overlays

FHA and VA loans for borrowers with credit scores as low as 500 FICO. Over 25% of our borrowers are manual underwriting files on FHA and VA loans. If you need a specific type of loan program but cannot find a lender that has it, contact us at Gustan Cho Associates. We are more than confident we have the loan program you need at competitive rates. The team at Gustan Cho Associates are expert loan officers with years of experience trained to handle tough files shop for the best of the best pricing and rates to originate your loan.

Mortgage Banker Versus Mortgage Broker: Non-QM And Alternative Mortgage Loans

Broker Non-QM And Alternative Mortgage LoansAt Gustan Cho Associates, we believe in being a one-stop mortgage shop. This is why we have dozens of lending partnerships with non-QM and alternative lending institutions. Gustan Cho Associates are experts in non-QM loans and alternative financing mortgage loan programs. If a borrower cannot qualify for a traditional government and/or conventional loan, they can rest assured we will have alternative loan programs available for them.

Why is GCA Different Than Other Lenders? Many Realtors Did Not Realize Our Business Model Exists

Some of our alternative mortgage loan programs are no-doc home loans, bank statement loans for self-employed borrowers, non-QM mortgages one day out of bankruptcy and foreclosure, 90% LTV jumbo mortgages, and non-QM jumbo loans with credit scores down to 500 FICO, fix and flip loans, DSCR. dozens of other specialty stated income loan programs. However, at Gustan Cho Associates, we do realize some borrowers do not meet agency mortgage guidelines on government and conventional loans. Therefore, we have developed wholesale lending partnerships with non-QM lenders. Not many real estate agents, loan officers, attorneys, buyers, sellers, and other third-party mortgage and real estate professionals realize a company like Gustan Cho Associates exist. Most lenders may just offer government and conventional loans.

Why is GCA Different Than Other Lenders? Real Estate Agents Are Joining Our VERIFIED Preferred Realtor Partner Network (PRPN)

Comparing Gustan Cho Associates Versus Other Mortgage Lenders

All mortgage companies are highly regulated at both federal and state levels. So what makes GCA Mortgage Group so special? What is the difference between GCA Mortgage Group versus an FDIC Bank’s mortgage division? Why should you deal with GCA Mortgage Group remotely when you can apply for a home mortgage at your local brick and mortar bank?

Experience and Knowledge of Loan Officer and Mortgage Processor

Any loan officer can originate, process, and close a mortgage for a borrower with 800 credit scores, less than a 40% debt to income ratio, and a 20% down payment. However, this is not how the world works. Everyone may have a unique financial situation where they may need a loan officer that specializes in tough files. The team at Gustan Cho Associates are experts in working for the tough government, conventional, and non-QM loans. Gustan Cho Associates’ business model is to have zero lender overlays on FHA, VA, USDA, and Conventional loans. Most mortgage companies have lender overlays. GCA Mortgage Group is developing a national reputation for being a one-stop mortgage shop. Besides having zero lender overlays on FHA, VA, USDA, and conventional loans, we have dozens of non-QM wholesale lending relationships with non-QM and alternative mortgage lending partners. The team at Gustan Cho Associates is available 7 days a week, on evenings, weekends, and holidays. Our borrowers have access to their loan officers 7 days a week via cell phone, text, or email.

Why is GCA Different Than Other Lenders: Able To Approve Mortgages Other Lenders Can’t

National Reputation Of Being Able To Approve Mortgages Other Lenders Can'tOver 75% of our borrowers at Gustan Cho Associates are folks who either have gotten a last-minute mortgage loan denial or are stressing over the mortgage process with their current lender and are about to get denied. The team at Gustan Cho Associates can help you in transferring your loan to us from a different lender. Our support operations and licensed personnel will help you with continuing your mortgage process.  Gustan Cho Associates will close not just close your loan but will close it on time. Most loan officers, in general, do not know how to do tough loans that our loan officers at GCA Mortgage can do. If you get qualified and pre-approved by one of our loan officers, you can rest assured your loan will close.

How To Avoid Stress and Delays During the Mortgage Process

There is no such thing as a last-minute loan denial at Gustan Cho Associates. The team at Gustan Cho Associates are specialists and experts in helping borrowers with late payments in the past 12 months, outstanding collections/charged-off accounts, high debt to income ratio, late payments after bankruptcy and/or foreclosure, and manual underwriting.

Why is GCA Different Than Other Lenders: One-Stop Mortgage Shop

Gustan Cho Associates has a national reputation for being able to get loans approved on the loan that other lenders cannot do. Any mortgage loan program that is available in today’s marketplace, no need to look any further. If there is an alternative mortgage loan program in the marketplace, the chances are Gustan Cho Associates Mortgage will have it.

Why is GCA Different Than Other Lenders? States, Products, Rates

Very simple: Gustan Cho Associates empowered by NEXA Mortgage, LLC  is available 7 days a week. We are proud to have lending partnerships with over 160 wholesale lenders for owner-occupant homes, second homes, investment properties, and commercial loans. Besides the best of the best customer service you will experience, the following three factors along with AAA service should answer the question of why is GCA different than other lenders.

  1. States ( Licensed in 48 States including Puerto Rico, NOT LICENSED IN NY, MA)
  2. Products ( Lending partnership with over 160 wholesale lenders )
  3. Rates ( We are based on a broker business platform – Broker rates )

Why is GCA Different Than Other Lenders? Five-Star Customer Service

Why is GCA Different Than Other Lenders? Five-Star Customer Service

It is the people that make the company. One rotten apple destroys an organization. Our vetting process is very intense. All our staff at Gustan Cho Associates have no bosses nor does anyone ever pull rank. We refer to each other as “Associates”. The team at Gustan Cho Associates has a unanimous common belief and mission: Our borrower’s best interest is our top priority. From the borrower’s direct contact with the loan officer, loan officer assistant, processing assistants, processors, ops, support staff, and third-party professionals have the best interest of our borrowers which includes service, best product for the borrower, and rates. We make sure borrowers have access to our loan officers 7 days a week.

Contact Us 7 Days a Week To Qualify and Get Pre-Approved

To start the qualification and pre-approval mortgage process with a lender with no lender overlays on government and conventional loans or a specialty non-QM loan program, please contact us at Gustan Cho Associates at 262-716-8151. Text us for a faster response. Or email us at [email protected] The team at Gustan Cho Associates is available 7 days a week, on evenings, weekends, and holidays. Gustan Cho Associates are experts in government and conventional loans as well as non-QM loans.

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