Gustan Cho Associates Mortgage Brokers

Gustan Cho Associates Mortgage Brokers Welcome to Gustan Cho Associates, where we specialize in making homeownership a reality for those who have been told "no" elsewhere.

C2C Mortgage | 125B King Street | St. Augustine, FL 32084 | NMLS 376205

🇺🇸 Happy Labor Day from Gustan Cho Associates! 🇺🇸Today, we honor the hardworking people whose dedication, skill, and det...
09/07/2026

🇺🇸 Happy Labor Day from Gustan Cho Associates! 🇺🇸

Today, we honor the hardworking people whose dedication, skill, and determination keep our communities moving forward. Your work builds homes, strengthens families, and creates opportunities across America.

We appreciate everything you do. Wishing you and your family a safe, relaxing, and well-deserved Labor Day!

⭐⭐⭐⭐⭐ Another client experienced the difference that clear communication can make.Anthony described Gustan Cho as profes...
09/04/2026

⭐⭐⭐⭐⭐ Another client experienced the difference that clear communication can make.

Anthony described Gustan Cho as professional, knowledgeable, honest, and straight to the point. Every question was answered directly, and each step was explained without unnecessary complications.

If you want straightforward mortgage guidance from someone who takes the time to help you understand the process, we are ready to help.

Message us today to start the conversation.

Co-signing a loan for someone else could reduce your home-buying power, even if you have never made the payments.Because...
08/31/2026

Co-signing a loan for someone else could reduce your home-buying power, even if you have never made the payments.

Because you are legally responsible for the debt, a mortgage lender may include its monthly payment in your debt-to-income ratio. That could lower the mortgage amount you qualify for.

However, the payment may be excluded if someone else has paid it on time and you provide the documentation required by the loan program.

Learn how co-signing could affect your future mortgage: https://gustancho.com/does-co-signing-affect-in-buying-home/


No wasted time. No confusing explanations. Just honest answers and professional guidance.That was Anthony Tsokas’s exper...
08/26/2026

No wasted time. No confusing explanations. Just honest answers and professional guidance.

That was Anthony Tsokas’s experience working with Gustan Cho. He valued the clear communication, efficiency, and straightforward approach from beginning to end.

A complicated mortgage situation becomes easier when you have someone who explains the process and answers your questions directly.

Ready to explore your mortgage options? Send Gustan Cho Associates a message today.

Financing furniture, opening a credit card, or buying a car before closing could put your mortgage approval at risk.Lend...
08/24/2026

Financing furniture, opening a credit card, or buying a car before closing could put your mortgage approval at risk.

Lenders may monitor new debt and credit activity throughout the mortgage process. Even if the payment seems affordable, it could affect your credit profile or debt-to-income ratio.

Wait until after your mortgage has closed before making major credit decisions—and speak with your loan officer first.

Learn what to avoid during underwriting: https://gustancho.com/credit-score-changes-during-underwriting-process/

🚨 A 780 credit score doesn't automatically mean you'll get the lowest mortgage rate.Two borrowers with the same credit s...
08/21/2026

🚨 A 780 credit score doesn't automatically mean you'll get the lowest mortgage rate.

Two borrowers with the same credit score can receive different mortgage pricing. Here's why.

Your credit matters—but lenders may also consider your loan type, down payment, how you'll use the property, existing debts, and overall borrower profile when pricing a mortgage.

💡 The goal isn't just improving one number. It's building the strongest overall mortgage profile possible.

📞 Call 800-900-8569 to review your mortgage options and learn what factors may affect your pricing.

*Rates and terms vary by borrower profile, loan program, market conditions, and lender guidelines.*

🏡 A mortgage denial from one lender may not be the end of your homebuying journey.Johnny praised Gus and his team for th...
08/19/2026

🏡 A mortgage denial from one lender may not be the end of your homebuying journey.

Johnny praised Gus and his team for their knowledge, professionalism, competitive rates, and efficient closing process. Most importantly, he appreciated that the team took time to explain what borrowers could do next—even when immediate approval was not possible.

You deserve a mortgage team that examines the complete picture and provides honest guidance.

Request a second opinion on your mortgage application from Gustan Cho Associates.

*Approval, rates, and terms depend on underwriting and program requirements.*

That surprisingly low property tax bill on a new construction home may be temporary. 🏡The first bill may cover only the ...
08/18/2026

That surprisingly low property tax bill on a new construction home may be temporary. 🏡

The first bill may cover only the land—not the completed home. Once the house is fully assessed, your taxes and monthly escrow payment could increase.

Before choosing your budget, learn how to estimate the full tax amount and avoid an unexpected escrow shortage.

Read the complete guide: https://gustancho.com/property-taxes-on-new-construction-homes/

“They don’t just give you an answer—they explain things clearly.” ⭐⭐⭐⭐⭐Those words from Jay Matthews, Sr. perfectly desc...
08/12/2026

“They don’t just give you an answer—they explain things clearly.” ⭐⭐⭐⭐⭐

Those words from Jay Matthews, Sr. perfectly describe the experience we want every client to have.

The mortgage process can feel overwhelming, especially when questions arise or the next step is unclear. Jay recognized our team’s prompt communication, professionalism, patience, and commitment to keeping clients comfortable and informed.

Looking for a mortgage team that communicates and cares? Connect with Coast 2 Coast Mortgage Lending, LLC | Gustan Cho Associates today.

⚠️Believing every collection must be paid before you can qualify for an FHA loan could be an expensive mistake.💡FHA guid...
08/10/2026

⚠️Believing every collection must be paid before you can qualify for an FHA loan could be an expensive mistake.

💡FHA guidelines do not automatically require all collections or charge-offs to be paid. The type of account, balance, debt-to-income ratio, and lender’s own rules can affect how it is handled.

Before paying an old account—or giving up on buying a home—learn what the actual FHA guidelines say.

Read the complete guide: https://gustancho.com/fha-guidelines-on-charge-offs-and-collections/

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999 Oakmont Plaza Drive Suite 600
Westmont, IL
60559

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