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.
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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
At 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.
Comparing Gustan Cho Associates Versus Other Mortgage Lenders
Experience and Knowledge of Loan Officer and Mortgage Processor
Why is GCA Different Than Other Lenders: Able To Approve Mortgages Other Lenders Can’t
Over 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
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.
- States ( Licensed in 48 States including Puerto Rico, NOT LICENSED IN NY, MA)
- Products ( Lending partnership with over 160 wholesale lenders )
- Rates ( We are based on a broker business platform – Broker rates )
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.
Comments: 31
Hi, What are your credit requirements for a FHA 203K loan or any loan? I’m looking for a creative loan opportunity to purchase a home in the Chicago land area?
Please email us your contact information at [email protected].
Trying to get a refinance in texas, just had bankruptcy 13 discharged in August 2020. Is it possibble it to a refinance?
Absolutely you can refinance with no waiting period after chapter 13 discharge. Please reach out to us at [email protected].
I’m interested in checking in with y’all on FHA loan
Thank you for reaching out to me and my team. Sorry for the delayed response. Please email us your contact information at [email protected] or call us at 262-716-8151. Text us for a faster response.
Do you do loans in Tennessee and Florida
Yes, we are licensed in both states. Please reach out to us at [email protected] or call us at 262-716-8151. Text us for a faster response.
Are you licensed in WV
Yes, we can help you. Please email us your contact information at [email protected] or call us at 262-716-8151. Text us for a faster response.
Hello, I truly hope you are licensed in Washington D.C?
We can help you.
We can help you. Please reach out to us at [email protected]
Can you help in SC
Yes, we are licensed in South Carolina. Please email us at [email protected] with your contact information or call us at 262-716-8151. Text us for a faster response.
LIcensed in Nevada?
Yes we can help you. Please contact us with your contact information at [email protected] or call us at 262-716-8151. Text us for a faster response.
Do you service Nebraska?
Yes, we do, please email us your contact information at [email protected] or call us at 262-716-8151. Text us for a faster response.
Yes, we do, please email us your contact information at [email protected] or call us at 262-716-8151. Text us for a faster response. We can help you.
Hi! Are you licensed to do loans in South Carolina?
Yes, we are licensed in South Carolina. Please reach out with your contact information and phone number to [email protected] or call us at 262-716-8151. Text us for a faster response.
I have never understood why I have to search and search for a phone number on these websites ??
We are in NJ. Have been in Chapter 13 since 12/19 and have made all Trustee payments on time. We have made all mortgage payments on time. We purchased a home in 4/15 for 540k, we put 20% down and have 367k left on original 5/1 ARM. Home was just appraised for 660k. Credit is fair/poor. So we are 26 months into 60 month plan of 120k (included 72k mortgage arears and 2 financed cars). So we have about 75k left of plan payments (including cars, mortgage arears remaining approximately 40k). We were referred by our Bankruptcy attorney to a Mortgage firm in NJ that does manual underwriting for FHA cash out to leverage the market value and equity after I did a ton of research on NOLO. We would basically use the funds to pay off the Chapter 13 and get a discharge and put in about 100k of work to the house (HVAC/Roof/Boiler, Driveway, Siding, etc.). Our attorney thinks the Trustee will approve and now the Mortgage firm is stating that because part of the Chapter 13 is mortgage arears (and not like medical debt or student loans) that they can’t move forward. That makes zero sense to me. We make more than enough money to pay off current mortgage and Trustee payments and and cash out refinance to keep the home as our primary residence under a new fixed FHA loan, and it would be less on a per month cost. Please advise and may be calling you very shortly!
We can help you. Please email us with your contact information at [email protected] or call us at 262-716-8151. Text us for a faster response.
I have questions about refinancing our home loan ro eliminate IRS liens. I present repayment plan is being supervised by Chapter 11. IRS is only creditor other nah present home mortgage. Home is located in Oklahoma City and would probably bring $575-600K on today’s market, Needed to eliminate the IRS and clean the title would be about $450,000. My wife and I have credit ratings in the mid 700’s.
We can help you. Please email us your contact information including your phone number to [email protected] or call us at 262-716-8151. Text us for a faster response.
Are you licensed in Arkansas?
Yes, we are licensed in Montana. Please email us your contact information at [email protected] or call us at 262-716-8151. Text us for a faster response.
Licensed in Colorado?
Yes, we are licensed in Colorado. Please reach out to us at [email protected] or call us at 262-716-8151. Text us for a faster response.