Gustan Cho NMLS 873293, National Managing Director | Branch Manager  (NEXA Mortgage, LLC | Gustan Cho Associates ) Mortgage and Lending



Gustan Cho NMLS 873293
National Managing Director | Branch Manager
location_on Oak Brook, IL — NEXA Mortgage, LLC | Gustan Cho Associates
Independent Brokerage
NMLS 873293
Get to Know Gustan Cho NMLS 873293

Gustan Cho NMLS 873293 is the National Managing Director at NEXA Mortgage, LLC dba Gustan Cho Associates. We are experts in FHA Loans, VA Loans, USDA Loans, Conventional Loans, Jumbo Mortgages, and Non-QM mortgages. We have access to unique portfolio loans such as no-doc mortgages, bank statement loans, asset depletion loan programs, one day out of foreclosure/short sale/deed in lieu, non-QM loans one day out of Chapter 7 Bankruptcy and Foreclosure, non-warrantable condos and condotel financing, FHA 203k Loans, Reverse Mortgages.
Self employed individuals who do cannot show sufficient income due to writeoffs, we can help them without going by their tax returns and going off their bank statements.. We have no income verification no-doc loans available. Gustan Cho Associates is a five star full service mortgage company with a national five star reputation for its no lender overlays and whose mission and goal is to make the dream of home ownership become a reality. The team at Gustan Cho Associates has helped countless of borrowers with open collections,charge off accounts, late payments, bankruptcy, foreclosures, tax liens, judgments, overdrafts,loan modifications, one day out of foreclosure/short sale/deed in lieu of foreclosure, one day out of Chapter 13 Bankruptcy discharge, and lower credit scores. I can help folks with credit scores under 600 FICO. For those who have credit scores under 580 FICO, a 10% down payment is required per HUD Guidelines. Minimum Credit Scores required for 3.5% down payment home purchase FHA Loan is 580 FICO. A large percentage of my business is helping borrowers who have gotten their mortgage loan denied by other mortgage lenders due to their overlays or the loan officer not properly pre-qualifying borrower. I normally can get a borrower an official mortgage approval within 24 to 48 hours from time of submission. I normally close all of my loans in 3 weeks or less. I love working with realtors and am always available, 7 days per week. I am always looking to connect with realtors.
Please visit us at Gustan Cho Associates at and join our forum at where clients, realtors, mortgage brokers/bankers, insurance agents, appraisers, attorneys, and other professionals connect. We offer co-branding marketing partnership program with realtors where our in house MARKETING & IT DEPARTMENT will joint partner with realtors on open houses and refer select realtors to our pre-approved home buyers or homeowners selling their home. Contact me for further details by calling me toll free at 800-900-8569 or direct at 262-716-8151. Text us for a faster response. You can also email me at
First time home buyer mortgage specialist. Visit Gustan Cho Associates at or call or text me at 262-716-8151. Available 7 days a week. Pre-approvals issued 7 days a week. Apply online now for a mortgage loan at and get an instant pre-approval.
If you are looking for career opportunities as a loan officer, please feel free to contact Gustan Cho NMLS 873293.  Gustan Cho Associates is aggressively recruiting loan officers with at least one year full time loan origination experience nationwide. No cold calling required and all leads will be provided. 

Gustan Cho

NMLS# 873293
National Managing Director NEXA Mortgage, LLC | Gustan Cho Associates
Toll Free (800) 900-8569
Direct (262) 716-8151 Text For Faster Response
17W662 Butterfield Road Suite 205
Oakbrook Terrace , Illinois 60181
Equal Housing Lender 

 Branch NMLS 2315275

Company NMLS 1660690



If you have been denied by other mortgage lenders due to mortgage lender overlays contact The Gustan Cho Team at Gustan Cho Associates at 262-716-8151 or at .  All you need is a 580 FICO credit score to qualify for a 3.5% down payment mortgage loan and an automated underwriting approval. No mortgage lender overlays.  Your automated approval is your final approval as long as you can meet the conditions from the AUS FINDINGS. Open collections and late payments okay and do not have to be paid off per FHA Guidelines and/or Fannie/Freddie Mac Guidelines. Home loan with bad credit and first time home buyer specialist. Gustan Cho NMLS 873293 is an expert on FHA Loans, VA Loans, USDA Loans, Conventional Loans, and Jumbo Mortgages with little to no lender overlays. 

Gustan Cho NMLS 873293


My name is Gustan Cho NMLS 873293. National Managing Director at Gustan Cho Associates . I manage a team of branch managers, sales managers,and licensed mortgage loan originators as well as support staff . Our loan officers are experts in FHA Loans, VA Loans, USDA Loans, Reverse Mortgages, FHA 203k Loans, Conventional Loans, and Jumbo Mortgages, We have a wide variety of mortgage loan programs including Non-QM Mortgage Loan Programs such as one day out of foreclosure, deed in lieu of foreclosure, and short sale. Mortgage Loans After Chapter 13 Bankruptcy discharged date with no waiting period mortgage loan programs available. Bank Statement and Asset Depletion Mortgage Loan Programs are one of our most popular Loan Programs today. Gustan Cho Associates NMLS 1660690 is a full service mortgage company with a branch office in Oakbrook Terrace, Illinois. With government loans and conforming loans, we are known to have no lender mortgage lender overlays and just go off DU or LP FINDINGS. We are mortgage bankers, correspondent lenders, and mortgage brokers. We are available 7 days a week, including evenings and holidays to answer calls and issue pre-approvals. 
We are also recruiting talented loan officers as well as branch and sales managers nationwide. No cold calling necessary and we have a marketing department that will help our loan officers market themselves via creating customized optimized websites with the latest marketing tools. Experienced loan officers will have the opportunity to start their own sales teams or branch nationwide and we will provide full marketing and operations support. Over 75%  of our borrowers are those who got denied by other lenders due to the lender's investor overlays or because the loan officer did not qualify the borrower properly. 

Gustan Cho NMLS 873293
National Managing Director | NEXA Mortgage.LLC | Gustan Cho Associates

Toll Free 800-900-8569

Cell 1-262-716-8151 


Direct 262-716-8151

Corporate Email: 

Gustan Cho Associates

GCA MortgageGroup, Inc.



Mortgage Lenders For Bad Credit 



The team at Gustan Cho Associates are experts in FHA loans, VA loans, USDA loans, Conventional loans with no lender overlays. Whatever HUD guidelines, Fannie Mae/Freddie Mac Guidelines are, that is what I go off. No investor overlays.
Over 75% of our clients are borrowers who were told they do not qualify due to their lender overlays.  Available 7 days a week.  262-716-8151 or email me at
Gustan Cho NMLS ID 873293
National Managing Director
Gustan Cho Associates
Gustan Cho Associates
Capital Lending Network, Inc.
Loan Consultants
Toll-Free: 800-900-8569
Direct: 262-716-8151
Robert Vogel, III
Gus and Gus alone is the only reason I have a house. Just coming out of a bankruptcy/foreclosure, Gus was the only one who EASILY got me approved after 15+ lenders denied me right away. Gus knew how to work through the "Back to Work" program and got me approved in no time. He is a very down to earth guy who is available 24/7, nights, and weekends. He was always happy to email or call me at any hour and put me at ease through the entire process. I look forward to working with him again soon for a refinance. This is the ONLY person you need to call.
Paulita Herrera
Gus is by far the best!!! If it wasn't for him I would not have my home. I am a 29 year old single woman. I would have never thought I would be able to purchase a home on my own especially that I have a low income. I had spoke to other brokers and they were not interested in helping me at all. When I spoke to Gus and gave him all my information he said I was pre approved and that he would be able to close on this house. We had some obstacles and at times I felt like this was a dead deal but Gus always had a positive attitude no matter what! He told me don't worry we will get this closed that is your house! I would highly recommend Gustan Cho to my family and friends. Gus you are the best thank you so much for everything. I am enjoying being a home owner :) Sincerely, Paulita Herrera
Thomas Hills
We have currently been working with Gus and he has already been so extremely helpful in helping us navigate through our home loan. Gus is very professional. Our credit score is not ideal, mainly due to lack of credit, and he has been very helpful in letting us know the correct steps to take in order to build our credit score/history. I was truly taken aback by the personal service he provides. He has helped us communicate with the seller, an older gentleman, and walked him through this entire process. If we have to call for any reason, no matter how menial the question, he is always more than willing to help. He is always happy to speak with us as opposed to other lenders we had spoken with prior who acted as if we should be proficient in the mortgage business. We are still in the process of obtaining the loan and are looking forward to finishing up this process with him.
Jennifer Frey
We were turned down for a mortgage by another lender who actually told us we couldn't even qualify for 100k mortgage. We kind of gave up and figured maybe we would wait and pay off some credit cards. After doing a Google search I found Gus. He is the BEST! We found a house and got approved for 172k mortgage. We worked with Gus for a couple months. He is always available. He works 7 days a week. He even returned emails at 11pm at night. I was truly amazed by his customer service. Most lenders don't respond on weekends or after 5pm during the week. I talked to Gus on a regular basis during the whole process and I can say that he has become a good friend. And we plan to work with him again in the future. Jennifer and Douglas Frey
Irma Solis Jimenez and Javier Vasquez: Joliet, Illinois
I just previously closed on a home with Gustan as my broker. The house we closed on was perfect for my family and I. 4br 2 bath 1 car garage and for the price on this house it was almost too good to be true. Before I met with Gustan I must of met with at least 5 different brokers or loan officers, and they all wouldn't even give a try to see if I could get approve for this home there answer where simply no the d/r was too high or taxes where to high ect. then I met Gustan the word no or impossible doesn't even existed in his vocabulary. From the very beginning all I heard from Gustan is where going to get this deal done. Gustan knew exactly what to do. He was extremely Knowledgeable and knew exactly what to do and how to work the loop holes to get this deal done. I knew from the very beginning this wouldn't be no easy loan. as already mention our debit to income ratio was too high for this home. the taxes where high which didn't help the cause, and mortgage rate where rising. Gustan was able to get us a rate at 3.5%. most lenders at this time didn't even offer this rate but Gus was able to do it. as a matter of fact at the closing almost everyone in the room was surprise Gustan was able to get this rate at a fix rate. One of the comments even made in the room was they haven't close on a rate this low in over a year. My wife and I are in great debit to Gus. He got us our first dream home and at a price and rate we could afford. If you tried everywhere else and no one can help you than you need to speak with Gus. Gus just literally got a CTC yesterday for a friend of mine in a similar situation. Also Gus work with an amazing loan processer Lorena Ramirez whom makes the transactions as smooth as possible. With their help I'm sure there's no loan they can't close on. Till this day Gus and I still speak and always check in on me to make sure everything is going well with the new home and still answers any questions I have till this day
Jim and Kate, Florida
Both my wife and I had financial problems in 2008 because we had a big mortgage and my wife was laid off. Due to that, our credit suffered greatly and we went into default with our mortgage. I had credit collectors calling me non stop, even at work. I am employed by a government agency and am out on the field most of the time and these credit collectors were constantly calling my superiors and leaving nasty messages that I was contemplating filing bankruptcy. My house went into foreclosure and my wife and I went into a rental. It was very difficult to have a management company to accept us due to our credit so we ended up renting a mobile home from an elderly lady. Last year we started to look for homes and found one we liked. I called a mortgage company and applied for a loan and was rejected because they told me my 3 year waiting period is not up. I told my wife that we had to wait another year. Then, my realtor called me and told me to contact Gustan Cho. Gustan Cho is a mortgage broker who has offices in Florida and Illinois. My realtor, Scott Johnson from Remax told me that Gustan Cho has helped people with really bad credit get loans and Gustan Cho just got a loan for one of his associates clients in Financing a Condotel in Hollywood, Florida. Scott told me that no lender in this country finances condo hotel loans and was really surprised that Gustan Cho was able to do so for his associates Hollywood, Florida condotel. Skeptically, I contacted Gustan Cho through his website, and spoke to him. The first thing he wanted was the paperwork by the county stating when the sheriff sale was or when the deed was transferred to the lender. That was no problem because my other loan officer, Mike, asked the same thing. I emailed Gustan Cho what he requested and he told me that I was in luck. I did not believe Gustan Cho at first but he swore to me that the foreclosure was a non issue but I still needed to qualify for the mortgage. Gustan Cho told me to go to and apply online. My wife, Kate and I applied online and filled out the application. Within an hour or so after we submitted our application, Gustan Cho contacted Kate and told her we were preapproved and told us what the rate and term was for a $250,000 FHA loan. He then sent us our application to sign and we submitted all of our documents along with a real estate contract. We closed on our home exactly one month after submitting all of the documents to Gustan Cho. It has been almost a year since we are proud homeowners thanks to Gustan Cho. Why did Gustan Cho get us a home loan when the other mortgage broker could not? The first mortgage broker was incompetent. Mike, the other broker (I will not use his last name or mortgage company because I think he was a newer loan officer and do not want to slander the kid or his company) did not read the foreclosure certificate correctly. The certificate drafted by the Broward County Circuit Court Clerk had two dates. One date was the date of the certificate of title and the other date, dated one year later, was the date of when my foreclosed loan was sold to Fannie Mae. Mike used the date the loan was sold to Fannie Mae and not the date of the certificate of title. Bottom line is that you as a borrower need to check with a competent loan officer like Gustan Cho. For us, it was a case of bad luck but got lucky because of our realtor Scott.
Darleen, Ellenton, Florida
Gus works magic! Seriously, if you're looking for someone that knows the business like he does, you won't be disappointed. He is very knowledgeable in his field. He goes above and beyond. He tells it like it is! We had been through so many lenders, but it was not until we meet Gus via phone that things did a 190. A friend told me to contact Gustan Cho They told me if anyone could get the deal done, he could. We were was skeptical, but called him anyway. When you speak with Gus, you walk away knowing you're in good hands. This man is amazing! We gave him all our information and he went to work. A short time later he called, and needless to say we didn't expect what we heard on his end of the phone, we expected to hear the same old thing, no deal. When he told us we had a deal put together and we could get the new house, we were happy beyond belief. Not only did he get the deal done, but every time we called him, he either answered the phone or got right back to one of us back a short time later. We have so much respect for this man because of the way he treats his clients, his knowledge of the industry, and his relentless pursuit! Gus, you've become our friend. Thank you for all your help through this long and trying journey. If you need help, contact Gustan Cho.
Giselle and Pedro Frade
It is with grateful hearts that my husband and I write this review from our new home and we couldn’t be happier! Gustan Cho has been our guiding light throughout the entire loan process, from credit counseling & repair to funding and beyond! We closed 2 weeks ago and Gus still checks in with us! Although our case was not an easy one by any means, he took on the challenge and succeeded in keeping his promise of home ownership for us. Gus works diligently around the clock to get the deal done with the highest level of professionalism, skill, persistence and expertise in the business. Gustan Cho is revolutionizing the mortgage lending world one client at a time with an exceptional level of knowledge that superseded all of our expectations. We are looking forward to working with Gus for a future refinance and truly consider him to be an invaluable resource in the field as well as a lifelong friend! We love you Gus! Pedro & Giselle
Tammy Siver, Lake Placid Florida
Gustan Cho is the best man for any Real Estate transaction,,, Period.... My husband and I used him to secure financing for our move to Florida. He was able to maneuver thru multiple lenders and submit our package for the best interest rate and the closing was a dream come true. I highly recommend Gus to anyone who wants a person to stick by you through your whole deal. NOT to just sign you up and then refuse to take your calls.. Gus was always available day or night to take my calls, e mails, and even text messages. He is a wonderful person and a huge inspiration to the business world. If you are a Realtor looking for someone who can handle even the most challenging deal, THEN look no further. Guston is very influential and has numerous contacts with great lenders from coast to coast. Just for example. Our loan was secured out of California, we lived in North Carolina and managed with his expertise to purchase our dream home in Florida on a lake. We recently purchased a boat and frankly we owe our life style to his determination. Actually the money that Gus saved us we were able to pay cash for the boat.. Now life doesn't get any more perfect than that.. So I can rate Guston Cho to be a perfect 10 in all aspects of his field. So get off that doubting Thomas attitude that you will never qualify for a home loan and give him a call RIGHT NOW! Signed, Tan and Fishing in Florida
Kathleen Freeman, Hollywood, Florida
If it were not for Gus, I would not have my beach condo in Hollywood, Florida which has been a dream of mine for a long time. I had almost given up on financing and found Gus while searching online for someone who could help me obtain a mortgage. Once Gus got started, he just wouldn't take no for an answer and it happened for me. I closed on my condo in June and am now a proud owner. I have Gus to thank for this. He is the best! Kathy Freeman Hollywood, Florida
Kim and Omar Piccinnini, Sarasota, Florida
We had a wonderful experience with Gus Cho. He went above and beyond a mortgage broker's call of duty. We recommended him to a friend with great obstacles as well and they are closing soon. He was not only our broker but has become a friend. I guarantee there are no mortgage lenders or brokers that will be as dedicated as Gus. Thank you Gus! You will forever be in our hearts!
Jesse Smith, Joliet, Illinois
Gus did a fantastic job in helping us get a home. I had to declare bankruptcy two years ago. Everyone I spoke to said there was nothing they could do. Gus took the time to listen and figured out how he could help. He said as long as I was at least two years remove from the bankruptcy I could qualify for a FHA loan. He walked me through the complete process and helped me get a 240,000 home loan. I cannot say how grateful I am for his help and willingness to listen to him clients. Jesse Smith
James Thompson, Orlando, Florida
Gustan Cho is one amazing individual who really went beyond the call of duty. I had a prior foreclosure and a bunch of prior bad credit. I got didn't get denied for mortgages. They all told me I could not qualify with a 567 Credit score. A good friend referred me to Gustan Cho and Gustan Cho guaranteed that he can help me. He told me not to worry about my past bad credit and that I did not need to pay any old collections off. Gustan Cho told me to get a secured credit card from Capital One. I got a secured credit card and Mr. Gustan Cho ran my credit in a little over a month and my credit scores were just under 600 credit score. Mr. Gustan Cho got me a pre-approval letter and referred me to a realtor. This was last June. I am now in my new home, a dream home. Thanks to Gustan Cho, my family has a home that we call ours. I really did not think that I could have qualified for a mortgage for many years later. Every lender I went to told me I could not qualify. Most lenders required credit scores of 640 or over. Whatever I did, my credit score would not go up. Thank you, Mr. Cho. You are our Angel and we love you and thank you for being a Godsend to me and my family. Jim Thompson, Orlando, Florida USA
Bon Keomany, Sterling, Illinois
I was looking for a mortgage broker that knows and care about the customer and I found him. Gustan went above and beyond in helping securing my mortgage loan and got me an incredible rate at 3.6% on a 15yr conventional. A lot of banks didn't want to do my loan b/c I own too many property, but Gustan promise that he would get the deal done and we did considering dealing with the government shut down and all. I didn't gain just a mortgage, I also gain a good friend. I definitely recommend Gustan if you want your deal to get done. Bon Keomany Sterling, Illinois
Natasha Furry, Lake Placid, Florida
We had a very difficult loan/escrow that was being handled by Mr. Gus Cho.It seemed like it was never going to end but through it all Gus had a positive attitude and kept encouraging us. He explained what was going on to the best of his knowledge even when what was going on was not "pretty " I believe that Gus is one of the most caring individuals I have ever known and I would like him as a friend if we were in the same local, We had some pretty bad things happen during our escrow time with Gus and yet, through it all, Gus kept us positive even when the going seemed like it was going to end badly. Yes, I would recommend Gus to someone who wanted and needed babysat during most of the loan process. He is very knowledgeable - you can ask him anything and if he doesn't know the answer he will research and find the answer for you. Thanks, Gus for helping us through a hellish loan.escrow process. See you on our next home purchase.
Donna Antunovic, Hollywood Lakes, Florida
Gustan Cho goes above and beyond!! We were referred to Gustan Cho by a co-worker, he contacted us immediately after our inquiry and was there for us at every step thereafter; he even answered my call late on a Sunday evening. Gustan Cho explained every step of the loan process in a clear, concise way with patience and consideration for our lack of knowledge of the loan process, he made it easy and he delivered exactly what he said he would, excellent results. Gustan Cho is truly an honest professional that you can trust, he gives you his time and attention, that can't be found everywhere, and that is what sets him apart from the rest.
Smitha Rayadurg
Last month, I bumped into into an online review (actually, a testimony) by a home buyer about Mr. Guston Cho. I googled for Mr. Cho's contact details & I have been in touch with him. Mr. Cho has proved to be the best guiding light regarding coaching me on getting my credit score up and guiding me about getting the pre-approval for the home loan. Mr. Cho's coaching is genuine, honest and he really puts effort into keeping in touch with the customers. He is reliable and trustworthy and truly caring. As he directs his clients on the right path, he also makes sure that his clients are protected from becoming victims of scammers! His mentoring, guidance and direction for his clients is very authentic and healthy. Mr. Guston is a blessing to me & the proof that God is watching out for me!!
David and Darleen Shriver
I had been to at least 6 finance companies and was turned down by all of them. I gave up on buying a new house. Then a friend told me to contact Gustan Cho. They told me if anyone could get the deal done, he could. I was skeptical, but I called him anyway. This man is amazing! I gave him all my information and he went to work. A short time later he called me, and needless to say I expected to hear the same old thing, no deal. When he told me we had a deal put together and I could get the new house, I almost cried. Not only did he get the deal done, but every time I called him, he either answered the phone or got right back to me a short time later. I have so much respect for this man because of the way he treats his clients, his knowledge of the industry, and his relentless pursuit, I now consider him among my dearest friends! If you need help, contact Gustan Cho.
Chuck, Florida
I was surfing credit repair websites and ran into this site with Gustan Cho's article. My realtor introduced me to Gustan Cho over a year ago. My realtor, Jim Davis, told me that if I had credit problems, Gustan Cho can get me approved for a home mortgage. I had prior judgments, foreclosures, collections, and charge offs. I did not file bankruptcy. I called Gustan Cho and told him my situation. Gustan Cho told me to be totally honest with him if he wants my help. I was. Gustan Cho told me to apply online on his website, and did what I was told. Gustan Cho then told me that he could get me a mortgage but I needed to do several things in regards of my credit. Long story shot, Gustan Cho helped me and my wife Patty get our home with a FHA loan in about a year. Gustan Cho helped erase and repair our bad credit. I never doubted Gustan Cho. I highly recommend Gustan Cho for not just for mortgages, but for credit repair too. Gustan Cho does not charge for credit repair. Charles M. Hillsborough County, Florida Tampa
Doug Smith, Jacksonville, Florida
If you want or need a broker who truly has your best interest at heart and will demonstrate that interest every step of the way, Guston Cho is your man. I was blessed to have him work on my behalf, finding me not only the best mortgage deal, but engineered a price reduction that my realtor said was impossible. He's a rock star. He's the best broker in the business. And now I am priviledged to count him as a friend.
L. Stephens, Illinois
I contacted many lenders in search of someone who could help me with a new mortgage. The vast majority of them never even returned my calls. Gus Cho not only called me back but immediately evaluated my situation and worked diligently to find me a loan. This man is the real deal--he obviously knows his business very well but he offers his clients much more than expertise. He stays with you every step of the way and advocates for your best interests. I always felt that Gus was looking out for me and consider myself blessed to have found him. If you are looking for a mortgage broker who will always be in your corner, Gus is the one for you. Don't just take my word for it--have a five minute phone conversation with him and you will see what I mean.
G. Perez, Miami, Florida
After hearing "No" and "Wait" or "Sorry, not happening" over and over again we had lost all hope of ever owning a home. Until one night after many prayers and research we came across Mr. Gustan Cho's name on a credit blog. The writer highly recommended Gus as a miracle worker! We thought, what the heck, let's give this guy a call and much to our surprise we were met with an incredibly personable, knowledgeable, and caring individual that simply makes the impossible possible. He has worked diligently on our dream of owning a home and has guided us every step of the way thereafter. He is simply the BEST broker in the business! We're ecstatic to be closing on our dream home this month thanks to the MAGIC MAN! We are deeply grateful for his service and expertise. Forget the rest and call the best! Thanks again, Gus!
Michael Kirby, Bonita Springs, Florida
Bought a foreclosed home with a low down payment loan. A very difficult purchase and loan. Gus was there all through the process and would help after hours and on weekends. We got the loan and the home. Would recommend him to anyone. Mike Kirby Bonita Springs, Florida
Matt Malters, M.D.
Gustan was extremely knowledgeable, helpful,timely and respectful. Dealing with this individual was the most pleasant and simple interaction process I've had with morgages. Highly recommend!! Matt Malters
L. Smith
Mr. Cho is amazing asset to people in need of guidance through the mortgage process. He is incredibly responsive, polite, professional, knowledgeable, and will go above and beyond to facilitate collaboration to assure the propects of attaining a mortgage. I would highly recommend Mr. Cho to anyone looking to purchase a home. I have never met someone as passionate about helping others believe and achieve their dream of owning a home. Thank you Mr. Cho. I know I could not have done this without you. LS
Latoya Smith, Joliet, Illinois
I was referred to Gustan Cho from my father. He helped my father get a loan and he raved about him. This was my first home and I didn’t know what to expect. Mr. Cho guided me all along the way. He explained the complete process and worked with my agent very well. The seller agent was very slow, Mr. Cho took charge of the process and made it a smooth process for me. I was under the gun with a moving date Mr. Cho made sure my deal closed and I was able to move into my dream home. I recommend Mr. Cho to anyone no matter what their circumstance.
Loretta Ortiz, Sarasota, Florida
I have been trying for some time to purchase my dream home unsuccessfully. That is until I was referred to Gustan Cho. I contacted Mr. Cho and he had me complete the application paperwork and to my surprise was automated approved. He worked very closely with me and within a very short time my loan was approved! What a great Christmas present! He is very thorough and knowledgeable. My percentage rate is low and he delivered on everything that he said he would. I like his direct approach. He knows the in's and out's and I highly recommend him. Lorena Ortiz Home buyer from Highland Homes
North Miami homeowner, Florida
had a previous foreclosure and collections on my credit report and my credit scores were in the low 500's. I had a hard time qualifying for a rental because the property managers run your credit. Additional deposit was not an option and I just got flat out rejected. My real estate agent, Mike Wheeler from Aventura, Florida referred me to Gustan Cho. Gustan Cho is a Florida mortgage broker who has several offices throughout the state of Florida as well as other states. I contacted Mr. Gustan Cho per my realtor friend's advise since my realtor friend told me that Gustan Cho was a mortgage magician and can do wonders. Mr. Gustan Cho was very professional and told me to apply online on his website, I told him that me applying at might be a waste of time but he told me he will not waste my time and if I am serious about being a homeowner to apply online. I did exactly what Gustan Cho told me to do and filled out the mortgage application. Gustan Cho then called me and told me my credit scores were 508, 480, and 545. He told me he can help me get a mortgage but might take some time. Gustan Cho also told me he can fix my credit as well. Long story short, a little over a year later my credit scores are in the low 600's and I just closed on my new house last week in North Miami, Florida. I strongly recommend to those with previous credit issues to contact Gustan Cho or a mortgage broker like Gustan Cho who will work with you long term and answer all of your questions and always returns your calls. I do not have his number handy but you can just Google for his contact information. J. Williams, North Miami, Florida
M. MacKinnon, Florida
Gustan Cho is a true professional mortgage banker. My realtor, Jesus Rodriguez introduced me to Gustan Cho, a mortgage banker. I had a foreclosure, collections, charge offs, and pretty bad credit. When I met Gustan Cho, Gustan Cho told me to apply online at his website, I did what he asked me to do and filled out my mortgage application. My credit scores were in the low 500s. Mr. Gustan Cho told me that he will help me repair my credit and get me a home loan. Nine months later, I am in my new home. Thank you Gustan Cho. I will tell everyone I know about Gustan Cho. Gustan Cho went beyond the call of duty and got me, my wife Karen, and my children our dream home. M. MacKinnon, Hollywood, Florida Broward County, Florida
Lakewood Estates Homeowner, Florida
Getting a mortgage on a condotel is extremely difficult. I tried everywhere. My lender of my condo hotel was Chase. My interest rate was 8.25%. I asked them if they can refinance my loan and they would not. They no longer refinance condo hotel. I finanlly found a mortgage banker, Gustan Cho, and he got me a 4.25% rate. You should check Gustan Cho out at or you can check with your local banks that you have a strong relationship with. I tried but to no avail. Gustan Cho ( does a lot of condotel loans so you can try him. I referred another friend who owns a condotel in California to Gustan Cho but he was not licensed in California. So Mr. Cho referred one of his associated to my friend and she ended up closing on her condotel as well too. Wish you the best and I know what you are going through. Getting a mortgage on a condotel was next to impossible. Chris B. Tampa, Florida

NEXA Mortgage, LLC dba Gustan Cho Associates is Mortgage Broker licensed in 48 states headquartered in Chandler, Arizona and the rbranch based in Oakbrook Terrace, Illinois. Website