Our team at FHA Bad Credit Lenders are experts in originating, processing, underwriting, and closing FHA loans with bad credit. FHA Bad Credit Lenders is a subsidiary of Gustan Cho Associates.
We pride ourselves in being able to help clients who got denied at other lenders due to silly lender overlays and get them approved at FHA Bad Credit Lenders. We strive to always be far ahead of our competitors. All our loan officers and support staff is required to work 7 days a week. We make sure that our clients are always able to get of us during business hours, after business hours, evenings, weekends, and during the holidays. FHA Bad Credit Lenders is a aba of Gustan Cho Associates, empowered by NEXA Mortgage. The team at FHA Bad Credit Lenders will not just close your loan, but we will do our very best to close it on time. The borrowers is always right so there are no two sides of the story.
Gustan Cho NMLS 873293, Branch Manager | FHA Bad Credit Lenders, empowered by AXEN Mortgage, dba of NEXA Mortgage LLC.
Gustan Cho Associates is a dba of NEXA Mortgage LLC. Our Team at FHA Bad Credit Lenders, empowered by NEXA Mortgage, are seasoned mortgage professionals who are experts on FHA loans. In the following sections, we will introduce our team of mortgage experts.
FHA Bad Credit Lenders Can Approve When Others Can’t
Our team of loan officers are not just licensed loan originators who can just originate any type of FHA loans, but can get borrowers denied at other lenders get approved. Over 70% of our borrowers are borrowers who could not qualify at other mortgage companies for an FHA loan. Not all FHA mortgage lenders are the same.
FHA Bad Credit Lenders has a national reputation for helping borrowers with bad credit get approved for a home loan when other lenders can’t. The team at FHA Bad Credit Lenders can qualify and approve FHA loans with no overlays when other lenders can’t.
Our team at FHA Bad Credit Lenders has a national reputation of being able to do mortgage loans other lenders cannot do. In the following paragraph, we will introduce our team at FHA Bad Credit Lenders.
Why Choose FHA Bad Credit Lenders?
Not all FHA lenders have the same lending requirements on FHA loans. There are two different types of mortgage guidelines on FHA loans. Agency mortgage guidelines of HUD and overlays from individual mortgage lenders. All lenders need to meet the minimum agency guidelines of HUD. However, each lender can have their own lending requirements on FHA loans. Our team at FHA Bad Credit Lenders are the best of the best mortgage professionals when it comes for helping borrowers with bad credit get approved for an FHA loan. Below is a list of our team of licensed and support personnel:
Meet Our Team at FHA Bad Credit Lenders
The team at FHA Bad Credit Lenders are experts in helping borrowers qualify and get approved for FHA loans with bad credit, low credit scores, high debt-to-income ratios, and borrowers who got denied by other lenders due to overlays.
FHA Bad Credit Lenders has no overlays on FHA loans. Over 70% of our clients either got a last minute mortgage loan denial or could not qualify at other lenders due to the lender’s overlays.
Overlays are mortgage guidelines imposed by individual lenders. Lender overlays are higher lending requirements above and beyond the minimum HUD agency guidelines.
Not All Lenders Have The Same Lending Requirements on FHA Loans
Over 80% of our clients at FHA Bad Credit Lenders and its subsidiaries are borrowers denied at other lenders or could not qualify due to overlays. FHA Bad Credit Lenders can approve borrowers with credit scores down to 500 FICO. In the following sections of this article, we will introduce our team at FHA Bad Credit Lenders and their contact information.
All licensed loan officers in our team will list their personal cell numbers because they are available 7 days a week. Below, we will list our staff which consist of management, licensed loan officers, mortgage processors, support personnel, and third-party consultants who our borrowers will often meet.
Gustan Cho NMLS 873293 | Branch Manager
Gustan Cho NMLS 873293 is the branch manager of Gustan Cho Associates at the Oakbrook Terrace, Illinois Regional Branch Headquarters. FHA Bad Credit Lenders is an affiliate of Gustan Cho Associates. Gustan Cho Associates is a dba of NEXA Mortgage and AXEN Mortgage NMLS 1660690. Gustan Cho NMLS 873283 is licensed in 48 states including Washington DC. Gus’s cell number is 262-627-1965. Text Gustan for a faster response. You can email Gustan Cho at gcho@gustancho.com.
Margaret Jurilla | Executive Assistant and Branch Operations Manager
Margaret Jurilla (Marga) is the executive assistant for Gustan Cho and in the charge of branch operations at GCA FHA Bad Credit Lenders. Marga handles daily operations matters for the branch in 48 states. Marga handles onboarding, payroll, reimbursement, licensing, and co-manages the branch marketing department with our Chief Technology Officer Sapna Sharma. Marga can be reached at marga@gustancho.com.
Sapna Sharma | Chief Technology Officer
Sapna Sharma is GCAs Chief Technology Officer for FHA Bad Credit Lenders. Sapna is in charge of developing and maintaining all websites for FHA Bad Credit Lenders. Sapna Sharma has created websites under Gustan Cho Associates herself with the help of her assistants. Sapna’s expertise is helping all loan officers and business development managers with their landing pages and social media platforms. Sapna’s email address is sapna@gustancho.com.
Ravinder Sharma | SEO and Digital Marketing Director
Ravinder Sharma is the SEO and Digital Marketing Director at FHA Bad Credit Lenders. Ravinder is in charge of optimizing recent blogs to make its important message known and go viral. Ravinder Sharma is in charge FHA Bad Credit Lenders and affiliate websites, social media accounts, and make sure all digital marketing platforms are at its full performance.
The key to relay important information on Google is to write concise content where the public can benefit from it. FHA Bad Credit Lenders adds creditability due to the content writers being experts in their fields. Therefore, Google recognizes the value of its content on FHA Bad Credit Lenders so it gets high domain authority. FHA Bad Credit Lenders are licensed brokers and not a lead generation company.
With seven affiliate sites of FHA Bad Credit Lenders, Ravinder’s main scope of work is to expand our viewership on all of websites and social media marketing platform through sending important information relating to FHA loans for bad credit and low credit scores. Ravinder’s email address is ravinder@gustancho.com.
Alexander Thomas Carlucci NMLS 229891 | Secondary and Lock Desk Specialist
Alex Carlucci NMLS 229891 is a top producing loan officer at Gustan Cho Associates. Alex is also the secondary and lock desk specialist for AXEN Mortgage, the correspondent lending division of NEXA Mortgage LLC. Alex Carlucci is the second highest producing loan officer at FHA Bad Credit Lenders. To contact Alex Carlucci can be reached at 262-716-8151 or texted Alex for a faster response. Alex’s email address is alex@gustancho.com.
Dale Elenteny NMLS 904444 | Regional Managing Director
Dale Elenteny is a 25 year veteran of the mortgage industry. Dale has spent over 15 years as a wholesale mortgage account representative for top bad credit wholesale mortgage lenders. Dale has switch sides to the retail end of the mortgage business and got his mortgage loan originator in May 2016. Dale Elenteny is one of the top producing loan officer at FHA Bad Credit Lenders year after year. You can reach Dale Elenteny at 630-479-2719. Dale’s email address is dale@gustancho.com.
John Strange NMLS 230932 | Senior Mortgage Loan Officer
John Strange is a 30 year veteran of the mortgage industry. John has experience in all types of mortgages, with a strong emphasis on FHA loans, FHA loans during Chapter 13 bankruptcy, FHA reverse mortgages, manual underwriting, getting a appraisal rebuttal, non-QM loans, VA loans, and non-QM and alternative mortgage financing options. John’s cell number is 630-292-0266. You can text for a faster response. You can text John Strange for a faster response. John’s email is jstrange@gustancho.com.
Michael Gracz NMLS 1160212 | Mortgage Loan Originator
Michael Gracz is a mortgage loan originator for FHA Bad Credit Lenders and is a loan officer assistant for Gustan Cho NMLS 873293. Mike Gracz is an expert in originating FHA loans for bad credit and low credit scores. FHA manual underwriting is one of Mike’s expertise.
Mike Gracz is a team leader and top producing mortgage loan originator at FHA Bad Credit Lenders in Oakbrook Terrace, Illinois. Mike is also an award winning mortgage blogger for FHA Bad Credit Lenders and its subsidiaries. Mike is an expert on non-QM loans.
Mike has a national reputation of being able to originate and close FHA loans during Chapter 13 Bankruptcy. Mike’s number is 630-659-7644. Mike’s Gracz email address is mgracz@gustancho.com. The team at FHA Bad Credit Lenders is available 7 days a week, evenings, weekends, and holidays.
Ronda Butts NMLS 1444654 | Senior Mortgage Loan Originator
Ronda Butts is a senior loan officer for FHA Bad Credit Lenders. Based in Orlando, Florida, Ronda has been in the mortgage business since May 2015. Ronda is also a licensed Florida real estate agent and a loan officer assistant for Gustan Cho NMLS 873293 in 48 states including Washington, DC.
Besides being a top producing mortgage loan originator, Ronda is part of the leadership and management team at FHA Bad Credit Lenders. Ronda Butts has helped hundreds of borrowers with bad credit get qualified and approved for an FHA loans.
Ronda is an expert in originating FHA, VA, USDA, Conventional, and non-QM mortgage loans. Ronda’s cell number is 407-460-7999. Ronda is available 7 days a week, evenings, weekends, and holidays.
Kingsley Ifezue NMLS 1968433 | Dually Licensed Real Estate Agent and MLO
Kingsley Ifezue NMLS 1968433 is a dually licensed realtor and mortgage loan originator at FHA Bad Credit Lenders. Kingsley has expertise on FHA, VA, USDA, Conventional, and non-QM mortgage loans. Kingsley owns his own real estate firm, Olive Tree Realty. Kingsley wife, Olivia Ifezue is a mortgage loan processor and Kingsley executive assistant in his real estate brokerage and mortgage origination business. Kingsley Ifezue can be reached at 586-256-3945. You can text Kingsley for a faster response. Or email Kingsley at kingsley@gustancho.com.
Victoria Tantsioura NMLS 2381244 | Mortgage Loan Originator
Victoria Tantsioura is a mortgage loan originator based in Texas. A former Registered Nurse and a dually licensed real estate agent and mortgage loan originator, Victoria is a top producing realtor and loan officer. Her passion of helping families realize the dream of home ownership become a reality is what Victoria lives for. A very generous person who always goes above and beyond to help homebuyers qualify and get approved for a loan 7 days a week, Victoria can be reached at 512-757-2686. Text Victoria for a faster response. You can email Victoria at victoria@gustancho.com.
Phuong Donald Nguyen NMLS 2171453
Phuong Donald Nguyen is a dually licensed realtor/MLO based in Texas. Phuong, who often goes by Donald Nguyen, is knowledgeable in FHA, VA, USDA, Conventional, Jumbo, and non-QM loans. Donald’s number is 713-577-9677. Donald’s email address is phuong@gustancho.com.
Martin Blank NMLS 1927759 | Mortgage Loan Originator
Martin Blank is a commercial and residential mortgage lender. Martin is a retired colonel of the United States Army. Dr. Martin Blank is a trauma surgeon and was a former cardiovascular surgeon. Besides his career in medicine, Martin has a law degree, and is a part-time Saginaw County Sheriff’s deputy. Martin’s contact number is 989-751-0421. Martin Blank is available 7 days a week, evenings, weekends, and holidays.
