Our Team at GCA


Gustan Cho Associates Empowered By NEXA Mortgage LLC, are mortgage brokers licensed in 48 states, including Washington, DC, Puerto Rico, and the U.S. Virgin Islands. We are not currently licensed in NY and MA, but we intend in getting licensed in the coming months. Gustan Cho Associates is a dba of NEXA Mortgage, LLC, the largest and fastest-growing mortgage broker in the nation. With the support and leadership of CEO Mike Kortas (CEO | President of NEXA and AXEN, The team at Gustan Cho Associates has expanded its operations to 48 states including Puerto Rico and the U.S. Virgin Islands with a network of over 190 wholesale mortgage investors. Talk To a Loan Officer Click Here

Why Gustan Cho Associates?

Many borrowers and realtor partners do not realize that a team like Gustan Cho Associates exists.
Over 75% of our borrowers are folks who could not qualify at other mortgage companies either because they got a last-minute mortgage loan denial or they could not have the mortgage loan program they needed.

Our Team at Gustan Cho Associates

Our team at Gustan Cho Associates are experts in qualifying borrowers with credit scores down to 500 FICO, and folks with bad credit denied by other mortgage lenders.
Every licensed loan officer of our team at Gustan Cho Associates is able to handle any files with credit issues, recent late payments, outstanding collections, and high debt-to-income ratios. Over 75% of our clients are folks who could not qualify at other mortgage companies. Every single member of our team at Gustan Cho Associates has a national reputation for being able to do loans other loan officers cannot do.

Wholesale Lending Partners at Gustan Cho Associates, Inc.

Gustan Cho Associates has a network of over 190 wholesale mortgage lending partners with every available loan option you can think of.  Our team at Gustan Cho Associates are experts in handling government and conventional loans with no lender overlays. Besides traditional government and conforming loans, every member of our team has expertise in non-QM mortgage loans and alternative niche financing programs. We have thousands of mortgage loan options at Gustan Cho Associates

Gustan Cho Associates Is Able To Do Mortgage Loans Other Lenders Cannot Do

Over 80% of our clients are folks who could not get approved at other mortgage companies or have gotten a last-minute mortgage loan denial.  At Gustan Cho Associates, you will be able to find any mortgage loan option that is available in the marketplace for owner-occupant, second homes, investment homes, and investment properties.
We have lending partnerships with over 190 wholesale lenders. It is the people that make a great team and a great team that makes a great company. In the following section, you will meet our team at Gustan Cho Associates, Empowered By NEXA Mortgage, LLC:

  • Gustan Gustan Cho NMLS #873293 Branch Manager | National Managing Director gcho@gustancho.com

    Gustan Cho NMLS 873293 is in charge of the operations and personnel of Gustan Cho Associates Empowered By NEXA Mortgage LLC,  Oakbrook Terrace, Illinois Branch. Gustan Cho Associates is a dba of NEXA Mortgage LLC (not a dba in the state of Georgia). Gustan’s email is gcho@gustancho.com and his cell number is 262-627-1965.

  • Alex Carlucci Alex Carlucci NMLS #229891 Regional Managing Director alex@gustancho.com

    Alexander Thomas Carlucci is one of three regional managing directors at Gustan Cho Associates Alex Carlucci’s duties as a regional managing director are being an advisor between Gustan Cho Associates  Group, Inc. and corporate headquarters at NEXA Mortgage LLC in Chandler, Arizona. Alex is also a top-producing mortgage loan originator.

    He is an expert in helping borrower qualify and gets approved for home loans with credit scores down to 500 FICO. Alex is an expert on all non-QM and non-prime mortgage loan programs at Gustan Cho Associates Alex helps with training experienced and new loan officers onboarding to Gustan Cho Associates Alex’s number is 630-915-7550. For a faster response, text Alex Carlucci.  Alexander Carlucci can be reached at alex@gustancho.com.

  • Michael Gracz Michael Gracz NMLS #1160212 Senior Loan Officer | Loan Officer Assistant mike@gustancho.com

    Mike Gracz is a seasoned veteran licensed mortgage loan originator as well as a loan officer assistant to Gustan Cho NMLS 873293. Mike Gracz NMLS 1160212 is also an associate contributing editor at Gustan Cho Associates Mike’s expertise is being able to do FHA and VA loans with credit scores down to 500 FICO, manual underwrite, and helping borrowers who could not qualify at other mortgage companies. Mike is also a team leader and former National Sales Manager at Gustan Cho Associates.

    As a loan officer assistant to Gustan Cho NMLS 873293, Michael Gracz is able to assist Gustan Cho with originating loans in 48 states, including DC, Puerto Rico, and the Virgin Islands. Mike’s contact information is mike@gustancho.com. You can reach Michael Gracz on his cell at 630-659-7644. Text Michael for a faster response.

  • Dale Elenteny Dale Elenteny Regional Managing Director dale@gustancho.com

    Dale Elenteny is one of three regional managing directors at Gustan Cho Associates Dale is a top-producing mortgage loan originator. Dale brings almost 30 years of experience in the mortgage business to Gustan Cho Associates.  A mentor to Gustan Cho NMLS 904444 when he first got started in the mortgage business in April 2012, Dale has mentored hundreds of loan officers throughout the years. Dale’s passion is to help clients who recently got denied a mortgage due to the lender having overlays.

    Dale Elenteny will analyze the client, look at all angles, and if he believes the borrower has the ability to repay their mortgage and meets the minimum agency guidelines, Dale will find a way to make it work. Dale’s expertise in tough deals comes naturally because he has first-hand knowledge of difficult deals through his many years as a wholesale rep for multiple wholesale mortgage lenders. Dale can be reached on his cell at 630-479-2719. Text Dale Elenteny for a faster response. Or email Dale at dale@gustancho.com.

  • Sapna Sharma Sapna Sharma Chief Technical Officer | Web Designer and Developer sapna@gustancho.com

    Sapna Sharma is Gustan Cho Associates’s Chief Technical Officer and Website Designer and Developer for all of the Gustan Cho Associates websites and affiliate media marketing platforms. Sapna is responsible for third-party contractors and vendors involved with the front-end and back-end technical aspects of all of Gustan Cho Associates digital media technology and systems.  Ms. Sharma heads all of the day-to-day operations and maintenance of our internal and external IT systems and has an integral role as a team leader in our mortgage and real estate news division. Sapna Sharma’s contact information is sapna@gustancho.com.

  • Our Team at GCA Margarett Jurilla Executive Assistant & Operations Manager marga@gustancho.com

    Marga Jurilla is the Executive Assistant for Gustan Cho and Eric Jeanette. Margarett Jurilla is the eyes and ears of the operations at Gustan Cho Associates  Marga is the go-to person if any licensed and/or support personnel has a problem that needs to get resolved or answered. Marga knows how to navigate the water at both Gustan Cho Associates headquarters as well as corporate headquarters.

    Margarett strongly believes knowledge is king. Even though she has expertise in every single aspect at Gustan Cho Associates Oakbrook Terrance, Illinois regional headquarters, Marga feels getting her NMLS license will further her career in the ever-regulated and often confusing mortgage industry.  Marga is currently studying to get her NMLS license and should be licensed in a matter of a few months. Her duties also include being the personnel director of all third-party contract employees, loan officer assistants, and virtual assistants.

    Instead of listing her duties and scope of work, it is easier to post what she does not do. Marga assists the branch manager and senior managers at Gustan Cho Associates in running the branch and is the ambassador between the branch and corporate headquarters in Chandler, Arizona.  Marga can be reached at marga@gustancho.com.

  • Ravinder Sharma Ravinder Sharma SEO Analysts ravinder@gustancho.com
  • Ronda Butts Ronda Butts NMLS #1444654 Mortgage Loan Originator | Realtor-MLO Dually Licensed Director ronda@gustancho.com

    Ronda Butts is a licensed NMLS mortgage loan originator and licensed real estate agent in Florida. Ronda has extensive experience in helping homebuyers find the special home of their dreams. As a veteran real estate agent, Ronda has extensive knowledge and experience in many counties in Florida.

    Ronda is well connected with local home builders and knows how to negotiate for her clients on the real estate side as well as prepare her client for a smooth mortgage loan process as a mortgage loan originator. Ronda Butts can be reached at ronda@gustancho.com. Ronda’s cell number is 407-460-7999. Text Ronda for a faster response.

  • Our Team at GCA Angie Torres National Operations Director angie@gustancho.com
  • April Ramirez April Ramirez Team GCA General Executive VA april@gustancho.com
  • John Strange John Strange NMLS #230932 Senior Mortgage Loan Originator jstrange@gustancho.com

    John has over three decades of experience that he loves to apply to each transaction, which translates into incredible guidance in the loan experience. As much as he truly enjoys the mortgage origination process, nothing is better than the great feeling of co-creating a great memory during the buying or refinancing journey. His success comes from exercising a high level of due diligence upfront that allows him to carefully consider all of your options. He looks forward to guiding you through your financing journey!
    Phone: (630) 292-0266

  • Ethel Matthews Ethel Matthews NMLS #2352355 Mortgage Loan Originator | Dually Licensed Realtor ethel@gustancho.com

    Ethel Matthews is a licensed NMLS mortgage loan originator and a licensed real estate agent in South Carolina. Ethel has extensive experience in helping homebuyers find and purchase the home of their dreams. She is well connected in the real estate industry and knows how to negotiate for her clients on the real estate side as well as prepare her clients for a smooth mortgage loan process as a mortgage loan originator. Ethel Matthews can be reached at ematthews@nexamortgage.com. Ethel’s cell number is 843-356-5381. Text Ethel for a faster response.

  • Amanda Witthauer Amanda Witthauer amanda@gustancho.com
  • Angela Canady Angela Canady Realtor

    Hi! I’m Angela Canady, an experienced Real Estate Professional with 29+ years in the industry, with the most recent as a Realtor in Real Estate Sales. I am currently enjoying serving clients in Nashville and the surrounding Market. Prior to moving to the area, I served clients in the South Florida Market where I am still licensed as Real Estate Sales Agent. My personal and professional goals are to continue to improve upon my skills and knowledge as I complete the requirements for my RE Broker and Mortgage Broker licenses.

    My industry background has afforded me the opportunity to develop an extensive skillset to better understand and serve my clients in all aspects of customer service, communication, follow through, and to navigate through some tough negotiations, creating a WIN WIN outcome!

    I model my business around the mindset of not helping people buy or sell real estate, but just helping people achieve their goals, whatever those goals may be within the real estate sector, all while building some long lasting friendships along the way.
    As a Wife, Mom to 6 Kids (including 3 fur babies) and a Grandma to 5 grandbabies, when I’m not working you can usually find me reading, spending time with my family, fishing, kayaking or doing absolutely anything outdoors.
    So if your buying, selling, or investing I am here to partner with you, answer your questions, and work to help resolve any problems that may arise in your transaction.

  • David Marden David Marden david@gustancho.com
  • Zack Hoyer Zack Hoyer Accountant And Licensed Loan Officer zack@gustancho.com