Business Details
Your Trusted Mortgage Broker for All Loan Types
Gustan Cho is a nationally recognized mortgage brokerage firm with a proven track record of helping borrowers achieve homeownership. Established by industry veterans, our team specializes in navigating complex lending scenarios and offers access to a comprehensive range of mortgage products across 48 states. We distinguish ourselves through our commitment to serving borrowers with non-traditional credit profiles, including those with past bankruptcies, foreclosures, or low credit scores. Our expertise spans FHA, VA, USDA, conventional, jumbo, and non-QM loan programs, with particular strength in VA loan processing for military veterans.Operating without lender overlays, we provide honest assessments of loan eligibility and maintain 7-day-a-week availability to accommodate client needs. Our national network of wholesale lenders and deep understanding of HUD 4000.1 FHA Handbook guidelines enable us to deliver customized mortgage solutions where other institutions have declined applications.
Services
FHA Loans
VA Loans
USDA Loans
Conventional Loans
Jumbo Loans
Non-QM Loans
Business Loans
Commercial Loans
Consumer Loans
Reverse Mortgages
Highlights and features
- We offer 24/7 personalized mortgage support across 48 states
- Our team processes VA loans with FICO scores as low as 500
- We operate with no lender overlays on government-backed loan programs
- We provide manual underwriting solutions for complex financial situations
- Our national wholesale network includes 210+ mortgage lenders
What people say
No lender overlays
24/7 availability
VA loan experts
Manual underwriting success
Help after rejections
Services
FHA Loans
FHA loans provide accessible homeownership opportunities for borrowers with lower credit scores or limited down payment funds. These HUD-insured mortgages require as little as 3.5% down payment for applicants with FICO scores of 580+. Our team specializes in FHA loan processing for borrowers with prior bankruptcies, foreclosures, or collections, offering manual underwriting solutions where automated systems have declined applications. We maintain strict compliance with HUD 4000.1 FHA Handbook guidelines while eliminating unnecessary lender overlays that restrict access to this important mortgage program.
VA Loans
VA loans deliver zero-down payment mortgage solutions for eligible military veterans and active-duty personnel. Our specialists process VA loans for applicants with credit scores as low as 500 FICO through manual underwriting pathways. We assist borrowers in obtaining Certificate of Eligibility documentation and navigating the VA loan entitlement process. With expertise in residual income calculations and debt-to-income ratio flexibility, we help veterans secure favorable loan terms without mortgage insurance requirements across our 48-state service area.
Non-QM Loans
Non-QM loans serve borrowers who don't qualify for traditional mortgage programs due to unique income structures or credit challenges. Our offerings include bank statement loans for self-employed applicants, asset-depletion mortgages, and no-ratio loan options. These flexible solutions cater to borrowers with recent credit events, high debt-to-income ratios, or non-traditional documentation requirements. We maintain a comprehensive network of specialty lenders to provide financing alternatives where conventional underwriting guidelines create barriers to approval.
Jumbo Loans
Jumbo loans finance high-value properties exceeding conventional loan limits. Our program accommodates loan amounts above $766,550 with options for 90% LTV financing and non-QM jumbo solutions. We serve borrowers purchasing luxury homes in high-cost markets through tailored underwriting approaches that consider unique financial profiles. Our specialists navigate the stricter requirements of these high-balance loans while maintaining competitive pricing across our national lending network.
USDA Loans
USDA loans enable zero-down payment homeownership in eligible rural areas. Our team helps moderate-income borrowers qualify for these location-specific mortgages through precise property eligibility verification. We guide applicants through income limit requirements and property condition standards while maintaining streamlined processing for qualified buyers. Our expertise extends to special USDA loan programs for manufactured homes and fixer-upper properties in designated rural communities.
People
Gustan Cho
Mortgage Broker
With over 20 years in mortgage banking, Gustan Cho leads a national team specializing in complex loan scenarios. His expertise in non-QM lending has helped thousands secure financing after traditional lender rejections. He maintains active licenses across 48 states.
John Strange
Senior Loan Officer
John Strange specializes in VA loan processing with a focus on military veterans' unique needs. His 15-year track record includes navigating complex credit situations and manual underwriting approvals. Clients praise his responsive communication and detailed guidance throughout the mortgage process.
Angie Torres
Loan Specialist
Angie Torres brings decade-long experience in FHA loan origination and credit rehabilitation strategies. Recognized for her client-focused approach, she specializes in helping borrowers with past financial challenges achieve homeownership through tailored mortgage solutions.
Questions
Can I qualify for a mortgage with bad credit?
Yes, we specialize in helping borrowers with credit scores as low as 500 FICO through FHA, VA, and non-QM loan programs.
Do you offer zero-down payment options?
VA and USDA loans provide zero-down payment opportunities for eligible military veterans and rural homebuyers.
How do lender overlays affect mortgage approval?
We operate without additional lender overlays beyond agency guidelines, maximizing approval chances for government-backed loans.
Can I get approved after bankruptcy?
Yes, we help borrowers qualify for FHA loans 2 years post-bankruptcy and VA loans with shorter waiting periods.
Are jumbo loans available for high-balance properties?
We offer jumbo loans exceeding $766,550 with flexible underwriting options for luxury home purchases.
Do you work with self-employed borrowers?
Yes, our non-QM loan programs include bank statement mortgages and alternative income verification methods for self-employed applicants.
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