User GustanCho

Member for: 1 year (since Feb 5, 2018)
Type: Expert
Extra privileges: Asking questions
Answering questions
Full name: Gustan Cho
NMLS#: 873293
Phone: 1-800-900-8569
About Me: Gustan Cho NMLS 873293 is the Branch Manager of USA MORTGAGE, a division of DAS ACQUISITION COMPANY NMLS 227262. The Gustan Cho Team at USA MORTGAGE is a direct lender with no lender overlays on government and conventional loans.  Headquartered in St. Louis, Missouri, USA MORTGAGE was founded in 2001 by CEO Doug Schukar and COO Linda Pring. The company has grown and now has over 1,000 licensed and support personnel.  

Since loan officers at The Gustan Cho Team at USA MORTGAGE specialize in helping mortgage loan borrowers who have had prior bad credit such as a bankruptcy, foreclosure, judgments, tax liens, collections, charge offs, and late payments, we help borrowers who have low credit scores and assist them to fix their credit issues so they qualify for home loans. Our team of licensed and support personnel normally can advise simple credit fixes.for those folks who cannot qualify due to prior bad credit, low credit scores, no credit, or higher debt to income ratios. Minimum credit scores for 3.5% down payment home purchase mortgage loans is 580 FICO. We have no lender overlays and just go off automated findings on FHA, VA, USDA, Conventional Loans. Your automated approval is your final approval.

Our Loan Programs:
1. 580 credit scores on FHA LOANS
2  No credit score requirements and no DTI Caps on VA LOANS
3. Outstanding Collections and Charged Off Accounts do not have to be paid to qualify for FHA, VA, Conforming Loans
4. NON-QM LOANS where no waiting period after Bankruptcy and/or Housing Event
5. Bank Statement Loans For Self Employed Borrowers
6. Condotel and NON-Warrantable Condo Loans

Over 75% of our borrowers at The Gustan Cho Team at USA MORTGAGE  are those who got denied by banks and other mortgage lenders. If a mortgage lender told you that they cannot do your loan due to their overlays, visit The Gustan Cho Team at USA MORTGAGE at https:// Home Buyers can call or text Gustan Cho at 262-716-8151 or email us at  We close 100% of all of our pre-approvals because all our pre-approvals are full credit approvals fully underwritten and signed off by our underwriters.

Gustan Cho NMLS 873293
Branch Manager
National Direct Lenders With No Overlays On Government And Conventional Loans
12140 Woodcrest Executive Drive
Suite 150
St. Louis, Missouri 63140
Licensed In Multiple States, please check current licenses at
Company: USA Mortgage
Company NMLS#: 227262
Address: 12140 Woodcrest Executive Dr.  
Suite 150
City: St. Louis
State: MO
ZIP Code: 63141

Activity by GustanCho

Score: 106,540 points (ranked #1)
Questions: 1
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Voted on: 374 questions, 152 answers
Gave out: 525 up votes, 1 down vote
Received: 9 up votes, 0 down votes
515 questions
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883 users