Meet Our Team at Mortgage Lenders For Bad Credit

Meet the Our at Mortgage Lenders for Bad Credit

Welcome to Mortgage Lenders For Bad Credit. a wholly-owned subsidiary of Gustan Cho Associates. Our team at Gustan Cho Associates is here to help you find a home, no matter your credit history. We are licensed in 48 states and U.S. territories, focusing on government-backed, conforming, and non-QM and alternative financing special loans for individuals with credit challenges. Our team works diligently to find innovative solutions that transform financial challenges into new opportunities.

In this “Meet Our Team” section, you’ll get to know the leaders, support staff, and loan officers who are dedicated to helping clients with bad credit achieve their dream of homeownership, wherever they live.

Mortgage Lenders for Bad Credit is a wholly-owned subsidiary of Gustan Cho Associates and works closely with our other wholly-owned subsidiaries and trusted partners such as Preferred Mortgage Rates, GCA Mortgage Group, FHA Bad Credit Lenders, Non-QM Mortgage Lenders, Lending Network, LLC, Online Business Solutions, and One Solution Real Estate. Our team at Mortgage Lenders for Bad Credit offer personalized assistance to homebuyers with credit issues, as well as to sellers, business owners, and real estate investors seeking a fresh start.

What Makes Mortgage Lenders For Bad Credit Different From Other Lenders

At Mortgage Lenders For Bad Credit, we help clients overcome credit setbacks by combining compliance, technology, and streamlining operations. Our support, operations, licensed, management, and leadership team has a strong track record of closing loans that others have declined to do. From our branch headquarters in Oakbrook Terrace, IL (Gustan Cho Associates NMLS 23152750, we turn challenges into chances for home.

Marga Jurilla, our Executive Vice President and Chief Operating Officer, is recognized for assisting our staff and licensed personnel with the tools required in helping clients with poor credit, recent financial difficulties, or irregular income.

Marga finds solutions where others see problems and is committed to guiding and supporting clients on their path to homeownership. She leads our technology and online marketing, manages staff and contractors, and builds our online presence with useful content and tools for buyers with low credit scores. Sapna Sharma, our Chief Technology and Digital Media Marketing Officer, leads our technical and digital operations nationwide (all our licensed states) as well as in U.S. Territories Mortgage Lenders For Bad Credit is licensed to do business.
She and her team handle support, operations, compliance, both offline and online marketing, and content strategies to streamline the complex mortgage and real estate process and making things easier for consumers, home buyers, sellers, and investors in the United States and U.S. Territories.

Meet Our Team at mortgage Lenders For Bad Credit

Our support and operations team provides the essential backbone for our daily functions, focusing on digital marketing, content creation, and strategic initiatives to enhance user experiences across our websites and platforms.

NMLS Licensed Mortgage Loan Originators, Managers, and Loan Officer Assistants

Our team of NMLS-licensed mortgage loan originators brings decades of combined experience in handling complex loans, including FHA, VA, and non-QM options for borrowers with low credit scores or unique challenges. They are dedicated to transparency, accessibility, and turning “no” into “yes” for our clients.

Gustan Cho, NMLS 873293-Branch Manager & National Managing Director

Gustan Cho, NMLS 873293, serves as the National Managing Director and Branch Manager of NEXA Mortgage, LLC, doing business as Gustan Cho Associates, at our Westmont, IL, Office Regional Branch (NMLS 2315275).
With a proven track record of closing complex loans that other lenders decline, Gustan manages a nationwide platform offering government, conventional, and non-QM loans.
His expertise shines in helping borrowers with lower credit scores, credit issues, recent credit events, or unconventional income sources
Known as the go-to expert for denied loans, Gustan provides hands-on support, educational resources on real estate and mortgage topics, and innovative solutions for challenging scenarios.

Contact:
gcho@gustancho.com
(262) 627-1965
Get A Quote

Alex Carlucci NMLS 229891: Senior Loan Officer and Regional Managing Director

Alex Carlucci, NMLS 229891, serves as a Senior Loan Officer and Regional Managing Director.
He is an expert in FHA, VA, conventional, and non-QM loans, breaking down complex programs into simple, understandable steps.
Alex guides clients through the entire process with clarity and confidence, making him a trusted resource for first-time homebuyers and those with non-standard needs.

Contact:
alex@gustancho.com
630-915-7550
Get A Quote
Borrower Testimonial:

Alex walked me through every tiny detail. I never dreamed my credit could get me a mortgage, but he found the option I needed

Danielle L.
FHA Borrower

John Strange, NMLS 230932: Senior Mortgage Loan Originator

John Strange, NMLS 230932, is a Senior Mortgage Loan Originator with over 30 years of experience.
He specializes in VA loans and assists borrowers with challenging financial situations, offering weekend availability and a commitment to transparency.
John’s guidance helps clients navigate complex loan processes efficiently and effectively

Contact:
jstrange@gustancho.com
(630) 292-0266
Get A Quote

Dale Elenteny NMLS 1936359: Senior Loan Officer & Regional Managing Director

Dale Elenteny, NMLS 1936359, is a Senior Loan Officer and Regional Managing Director at Gustan Cho Associates.
He specializes in challenging loans that other lenders avoid, excelling in manual underwriting, particularly for borrowers with high debt-to-income ratios and those with low credit scores, as well as FHA and VA loans.
Dale’s expertise ensures borrowers with complex financial situations receive tailored solutions and successful closings.

Contact:
Email: dale@gustancho.com
630-479-2719
Get A Quote

Mike Gracz, NMLS 1161202-Mortgage Loan Originator

Michael Gracz, NMLS 1161202, is a Mortgage Loan Originator and Real Estate Broker at Gustan Cho Associates.
As a former National Sales Manager, he brings extensive experience in FHA and VA loans for borrowers with credit scores as low as 500 FICO.
An award-winning mortgage blogger, Michael is an expert in Chapter 13 bankruptcy cases and provides comprehensive support for difficult lending scenarios.

Contact:
Email: mike@gustancho.com
(630) 659-7644
Get A Quote

Sonny Walton, NMLS Mortgage Loan Originator and Real Estate Broker

Sonny Walton, with his NMLS license, is a Mortgage Loan Originator and Real Estate Broker based in Houston, Texas.
Leveraging Gustan Cho Associates’ access to over 280 wholesale lenders
Sonny delivers tailored mortgage solutions for clients with low credit scores or complex situations, ensuring personalized service and successful outcomes.

Contact:
Email: sonny@gustancho.com
(800) 900-8569
Get A Quote

Tanhia Romero, NMLS Mortgage Loan Originator

Tanhia Romero, NMLS 489760, is a licensed Mortgage Loan Originator based in Westmont, Illinois.
She specializes in assisting borrowers with challenging profiles, including those with low credit scores as low as 500 FICO, high debt-to-income ratios, and non-QM loans for individuals who have recently emerged from bankruptcy or foreclosure.
Tanhia focuses on providing accessible and flexible mortgage options.

Contact:
Email: tanhia@gustancho.com
(251) 298-7697
Get A Quote

Management & Leadership

Margarett Jurilla: Executive Vice President and Chief Operating Officer

Marga Jurilla, reachable at marga@gustancho.com is the Executive Vice President and Chief Operating Officer at Gustan Cho Associates and its wholly owned subsidiaries.
As the second-highest-ranking officer and executive assistant to the branch manager, Marga is in charge of overseeing the general operations of Gustan Cho Associates and its subsidiaries including the following:
Human resources (HR), employee promotions, terminations, and onboarding; management of personal, business, and corporate affairs.
Licensing and Compliance.
Profit and Loss ledgers
Accounting and Budgeting
Public Relations
Audits
Disputes and All Operational intricacies
Her authoritative role ensures seamless efficiency, regulatory adherence, and strategic growth across our nationwide operations

Contact:
marga@gustancho.com

Angie Torres: National Operations Director

Angie Torres, available at angies@gustancho.com and atorres@nexamortgage.com, serves as the National Operations Director at Gustan Cho Associates.
She oversees support and operations processes across 48 states (excluding MA and NY), including Washington, DC, Guam, Puerto Rico, and the U.S. Virgin Islands.

Angie’s responsibilities include:

Managing support and operations staff, as well as wholesale and correspondent lending partners.
Compliance and Audits
Regulatory Examinations
Secondary Markets and Post-Closing Conditions
Her expertise ensures efficient, compliant operations that support our clients’ mortgage journeys from application to closing.

Contact:
angie@gustancho.com

Sapna Sharma: Chief Technology and Digital Marketing Officer

Sapna Sharma, reachable at sapna@gustancho.com, serves as the Chief Technology and Digital Marketing Officer for Gustan Cho Associates and its subsidiary websites and platforms.
She is responsible for all technology-related initiatives, digital media marketing strategies, and oversight of employees, third-party vendors, and contractors in these areas.:
Sapna’s leadership drives our innovative online presence, SEO optimization, and technological advancements, ensuring that our digital portals deliver engaging and user-friendly experiences for homebuyers, investors, and business owners.

Contact:
sapna@gustancho.com

Support, Operations and Marketing Staff

Meet Our Team at mortgage lenders for bad credit – Our Support and Operations Staff

The work of our support and operations staff ensures that our loan officers, loan officer assistants, mortgage processors, underwriters, and clients has access to helpful resources and support to ensure a streamlined and smooth mortgage process. Our support and operations staff are the backbone to ensure that not only does each mortgage loan closes, but it closes on time.

Anngelli Abenes: Senior Digital Media Marketing Strategist and Associate Contributing Editor

Anngelli Abenes, reachable at anngelli@gustancho.com, is the Senior Digital Media Marketing Strategist and Associate Contributing Editor for Gustan Cho Associates.
As an assistant to Sapna Sharma and Marga Jurilla, she also serves as Senior Marketing Content Manager.
Anngelli develops and implements digital media strategies, contributes editorial content, and manages marketing initiatives to engage our audience of homebuyers, sellers, and investors, ensuring our platforms offer valuable, SEO-optimized resources.

Sheena Love: SEO and Digital Media Marketing Strategist & Associate Contributing Editor

Sheena Love, contactable at sheena@gustancho.com, holds the titles of SEO and Digital Media Marketing Strategist, as well as Associate Contributing Editor for Gustan Cho Associates.
She specializes in search engine optimization (SEO) strategies, digital media marketing, and contributing editorial content.
Sheena’s work focuses on enhancing online visibility, creating compelling content, and driving traffic to our websites and forums, providing rewarding experiences for members and viewers seeking mortgage and real estate insights.

Sapna Sharma, Anngelli Abenes, and Sheena Love make up our digital marketing team, focusing on SEO, engaging content, and user experience. Their work ensures that every client has a welcoming and informative online experience. These loans are available in 48 states, excluding Massachusetts and New York, as well as in Washington, D.C. Our team is dedicated to supporting clients throughout the homeownership process, regardless of their past credit setbacks.

What Sets Mortgage Lenders For Bad Credit Apart From Other Companies

Our team’s experience, access to specialized loan products, and partnerships with 280 wholesale lenders enable us to offer flexible solutions in all 48 states. Reach out to our team for personalized help, including support for bankruptcy or foreclosure cases, lending in the U.S. Virgin Islands, and options for borrowers with poor credit. FHA loan options are available nationwide.