Why is GCA Different Than Other Lenders

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Why Is GCA Different Than Other Lenders?

Are you tired of being told “no” by mortgage lenders? Have you been denied a loan because of bad credit, bankruptcy, or income issues? You’re not alone. At Gustan Cho Associates (GCA), we help borrowers that other lenders turn away. In this guide, we’ll explain exactly why GCA is different than other lenders and why so many homebuyers trust us to get the job done.

What Makes GCA Stand Out From Other Lenders?

If you’re wondering why is GCA different than other lenders, here are the top reasons:

• We do not impose lender overlays on government and conventional loans.
• We can approve loans for individuals with credit scores as low as 500.
• We offer hundreds of non-QM loan options most lenders don’t have
• We are available 7 days a week, including nights and holidays
• Our team includes experts in manual underwriting
• We treat every borrower like family, never selling your info or spamming you with sales calls

These are just a few ways we make the mortgage process easier, faster, and less stressful. Read on to see how we back up every promise with real action.

No Lender Overlays: We Only Follow Agency Guidelines

Most banks and lenders add extra rules (called overlays) on top of the standard FHA, VA, USDA, and Conventional loan guidelines. That’s why some borrowers are told they don’t qualify—even when they meet official requirements.

At GCA, we operate with zero overlays and adhere strictly to the basic agency guidelines. This approach enables us to assist various borrowers, including FHA and VA applicants, with credit scores as low as 500. We also support borrowers with high debt-to-income (DTI) ratios and homebuyers with recent late payments or collections on their records.

This is one of the main reasons why GCA is different than other lenders.

We Specialize in Tough Files Most Lenders Deny

If you’ve faced rejections from other lenders, don’t lose hope. We focus on helping individuals secure approvals even during Chapter 13 Bankruptcy, provided they’ve made 12 months of payments. Additionally, we offer loans to those who have encountered recent credit challenges. We also provide manual underwriting for applicants who cannot secure automated approval, allowing us to support a diverse array of clients in need.

Most lenders won’t take the time to look deeper, but at GCA, we do. Why is GCA different from other lenders? Because we fight for your approval when others give up.

Hundreds of Non-QM Loan Programs

Can’t qualify for a traditional loan? We’ve got you covered. GCA offers:

• Bank statement loans for self-employed borrowers
• DSCR loans for rental investors
• No-doc and stated income loans
• Asset depletion and P&L-only loans
• ITIN loans and foreign national mortgages

We also help with fix and flip, construction, bridge, private money loans, and more loans. Why is GCA different than other lenders? Because if there’s a loan program out there, we probably offer it.

One Loan Officer. One Point of Contact. No Runaround.

At GCA, we prioritize your privacy and experience. Unlike many mortgage companies that sell your information and have multiple agents reach out, we ensure your inquiry is never shared. You’ll have the advantage of working with a single loan officer throughout the process. We promise to use a sales approach that avoids aggressive tactics and unwanted follow-ups. Instead, we will focus on giving you a supportive and clear experience.

This personal touch is one more reason why GCA is different than other lenders.

Fast Pre-Approvals. Quick Closings. No Last-Minute Surprises.

We do not issue pre-approvals unless you’re fully qualified. That’s why our closings are on time, with no surprises. Many of our borrowers close their loans in 15 to 21 days.

We know how stressful the mortgage process can be. So, we make it our mission to remove the stress. Why is GCA different than other lenders? Because we deliver what we promise.

We Help Real Estate Agents, Attorneys, and Even Other Loan Officers

Over 30% of our site traffic comes from:

• Loan officers
• Real estate attorneys
• Realtors
• Investors

Why? Because they trust our up-to-date content, lender access, and experience. We even teach other loan officers how to close tough files.

If you want a team that other professionals turn to, that’s why GCA is different than other lenders.

Licensed in 50 States + Puerto Rico and U.S. Virgin Islands

GCA is powered by NEXA Mortgage, the largest mortgage broker in the U.S., with access to over 190 wholesale lenders. We’re licensed in:

• 50 states
• Washington DC
• Puerto Rico
• U.S. Virgin Islands

We are working on licensing in NY, MA, and Guam. Our reach gives you more options, no matter where you live.

That kind of national access is why GCA is different than other lenders.

A Real Team That Answers the Phone

At GCA, you can easily connect with your loan officer. Reach them by phone, text, or email without dealing with a call center. We want to be accessible, so you can contact us in the evenings, on weekends, and even on holidays when you need help.

Why wait for answers when you need help now? That’s why GCA is different than other lenders.

We Are a True One-Stop Shop for Mortgages

Whether you’re buying your first home, upgrading, investing, or refinancing, we have the loan for you:

• FHA, VA, USDA, Conventional
• Jumbo loans up to 90% LTV
• Non-QM and no-doc loans
• Commercial real estate and business purpose loans

If it exists in the mortgage market, we probably have it. That’s why GCA is different than other lenders.

We Work For You—Not the Bank

As mortgage brokers, we’re all about you—not just working with one bank. This lets us compare many lenders to find you the best deal. Our goal is to snag you the lowest rates and the best terms we can. Plus, we’re in your corner, pushing for approvals even if some banks might have said no.

Why is GCA different than other lenders? Because we are 100% focused on YOUR approval, not the bank’s bottom line.

Ready to See the Difference for Yourself?

If you’ve been denied, overlooked, or told you must wait, we’re here to help. At GCA, we make homeownership possible for real people with real challenges.

If you have any questions on why GCA is different than other lenders or you need to qualify for loans with a lender with no overlays, please contact us at 800-900-8569, text us for a faster response, or email us at alex@gustancho.com. The team at Gustan Cho Associates is available 7 days a week, on evenings, weekends, and holidays.

Frequently Asked Questions About Why is GCA Different Than Other Lenders:

Q: Why is GCA Different Than Other Lenders When it Comes to Credit Scores?

A: GCA can approve FHA and VA loans with credit scores as low as 500, while most other lenders require higher scores. That’s one reason why GCA is different than other lenders—we help borrowers others turn away.

Q: What if I’ve Been Denied Somewhere Else?

A: We specialize in tough files, including those in Chapter 13 bankruptcy or those with collections or late payments. Even if another lender says no, we’ll try to get you approved. That’s why GCA is different from other lenders.

Q: Can GCA Help Self-Employed Borrowers?

A: Yes! We offer bank statement loans, P&L-only loans, and other non-traditional programs for self-employed clients. If you don’t qualify for a regular loan—we have options others don’t.

Q: Will My Information be Sold if I Apply with GCA?

A: No. Your data remains confidential. We do not sell leads; you collaborate with a single loan officer throughout the process. This level of service sets GCA apart from other lenders.

Q: How Fast can GCA Close My Loan?

A: Most of our loans close in 15 to 21 days. We also make sure you’re fully qualified before we issue a pre-approval so there are no surprises. That’s why GCA is different than other lenders—we do it right the first time.

Q: What Loan Options does GCA Offer That Others Don’t?

A: We offer hundreds of non-QM loans, including no-doc, DSCR, and ITIN loans. We’re a true one-stop shop for all kinds of mortgages, which is why GCA differs from other lenders.

Q: Is GCA Licensed in My State?

A: GCA is licensed in all 50 states, Washington D.C., Puerto Rico, and the U.S. Virgin Islands. That wide reach is part of why GCA is different than other lenders—we help borrowers nationwide.

Q: What Happens if I Can’t Get Automated Approval?

A: We offer manual underwriting for borrowers who don’t get instant approval. Many lenders won’t take the time to do this. GCA is different from other lenders—we go the extra mile.

Q: Can GCA Help Me Outside Regular Business Hours?

A: Yes! Our team is available evenings, weekends, and even holidays. That kind of service is a big reason why GCA differs from other lenders.

Q: Why is GCA Different Than Other Lenders if I Already have a Loan Officer Somewhere Else?

A: We don’t just offer more programs—we provide better service. If your current lender can’t get it done, we likely can. That’s why GCA differs from other lenders—we deliver results others can’t.

This blog about “Why is GCA Different Than Other Lenders?” was updated on June 17th, 2025.