Business Details
Your Trusted Mortgage Partner Nationwide
At Gustan Cho, we are dedicated to transforming the dream of homeownership into reality for individuals across the United States. With over two decades of experience in the mortgage industry, our team offers a comprehensive range of loan programs tailored to meet the unique needs of first-time buyers, veterans, and those with non-traditional financial situations. Our national reputation as a one-stop mortgage shop is built on a foundation of expertise, transparency, and a commitment to serving clients with integrity. We specialize in government-backed loans such as FHA, VA, and USDA programs, as well as non-QM and alternative financing solutions, ensuring accessibility for borrowers with diverse credit profiles.Our team is available seven days a week, including evenings, weekends, and holidays, to provide personalized support throughout the lending process. By adhering to strict underwriting guidelines and eliminating lender overlays, we empower clients to secure financing that aligns with their financial goals. Whether you're purchasing a home, refinancing, or exploring investment opportunities, our mission is to deliver reliable, client-centric solutions that foster long-term trust and success.
Services
FHA Loans
VA Loans
USDA Loans
Non-QM Loans
Jumbo Loans
Conventional Loans
Business Loans
Commercial Loans
Consumer Loans
Reverse Mortgages
Highlights and features
- We specialize in no-overlay FHA, VA, and USDA loans for borrowers with credit challenges.
- Our team provides 24/7 support, including weekends and holidays.
- We offer over 200 non-QM and alternative loan programs nationwide.
- We have a proven track record helping veterans secure VA loans with 500 FICO scores.
- Our process eliminates unnecessary fees and ensures transparent communication.
What people say
Highly experienced
Efficient process
Stress-free experience
Expertise with VA loans
No lender overlays
Services
FHA Loans
FHA Loans provide accessible financing for homebuyers with low credit scores or limited down payments. These government-insured mortgages require as little as 3.5% down and offer flexible underwriting standards. Ideal for first-time buyers, the program supports individuals with past credit challenges, including bankruptcies or foreclosures.
VA Loans
VA Loans offer zero-down financing and competitive rates to eligible military veterans and their families. Backed by the Department of Veterans Affairs, the program eliminates private mortgage insurance requirements and caters to service members with diverse financial backgrounds.
USDA Loans
USDA Loans provide 100% financing for homebuyers in designated rural areas. These low-cost mortgages support low-to-moderate-income families with no down payment and favorable interest rates, ensuring affordable homeownership in qualifying regions.
Non-QM Loans
Non-QM Loans cater to borrowers who don't meet traditional lending criteria, including self-employed individuals or those with complex financial histories. These programs prioritize flexibility, accepting bank statements, asset depletion, or manual underwriting to secure financing.
Conventional Loans
Conventional Loans suit buyers with strong credit and stable income. Available with fixed or adjustable rates, they offer competitive terms for primary residences, second homes, and investment properties, with options for low down payments and no private mortgage insurance.
People
John Strange
Loan Officer
John Strange specializes in VA loans and provides personalized guidance throughout the mortgage process. He has helped numerous veterans secure financing with low credit scores, ensuring seamless transactions from pre-approval to closing.
Angie Torres
Loan Officer
Angie Torres is a seasoned loan officer with expertise in FHA and non-QM programs. She prioritizes client education and transparency, assisting borrowers with complex financial situations to achieve successful outcomes.
Gustan Cho
Founder
Gustan Cho leads the firm with a commitment to expanding mortgage access. He has built a national network of wholesale lenders and advocates for innovative solutions that address the evolving needs of homebuyers.
Questions
What are FHA Home Loans, and How do They Work?
FHA Home Loans are government-backed mortgages insured by HUD, designed for buyers with lower credit scores or limited down payments. They require as little as 3.5% down and offer lenient underwriting.
Can I Qualify for a VA Loan with Bad Credit?
Yes, VA Loans have no formal minimum credit score, and Gustan Cho Associates offers programs for borrowers with FICO scores as low as 500, including flexible terms for veterans.
Are USDA Loans Available in My Area?
USDA Loans finance homes in eligible rural and suburban areas. Check the USDA eligibility map or contact us to verify if your location qualifies for 100% financing.
What is a Non-QM Loan?
Non-QM Loans are alternative mortgages that bypass traditional credit requirements, using bank statements, asset depletion, or manual underwriting to qualify borrowers with unconventional financial profiles.
How Long Does Mortgage Approval Take?
Approval timelines vary by loan type but typically range from 30 to 45 days. Gustan Cho Associates expedites the process with 24/7 support and direct access to wholesale lenders.
Do You Offer Jumbo Loans for High-Value Properties?
Yes, we provide Jumbo Loans for luxury homes and investment properties, with options for competitive rates and flexible down payments tailored to high-net-worth borrowers.
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