Meet Our Team

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.

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.

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 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 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.

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.

Ami Thakkar is the Veteran Mortgage Processor for Gustan Cho Associates who truly takes her job personally and who cares about the mortgage loan applicants assigned to her. Ami is a mortgage professional with years of extensive experience in originating, opening, processing, and pre-processing government, conventional, and non-QM/alternative loan products. Ami can handle a mortgage file from gathering docs to prep to clearing conditions and assisting with our closing department and funding.

Ami Thakkar plays a key role in getting the processing complete without any errors to make the file completely comprehensible to the mortgage loan underwriter. Ami has extensive experience in government and conforming loans, non-QM loans, and other alternative mortgage loan programs. Ami is familiar with both broker and banking platforms and is an expert in manual underwriting. Ami can be reached at ami@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.

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) 292-0226

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.

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.

Zack draws on his 20 years combined experience in sales, marketing, and real estate to help his clients get a great house at a great price. As a second generation realtor, he knows how to navigate his clients through any situation with confidence.

It was by going through his own struggle with credit, and even a bankruptcy in his twenties, that Zack spent hundreds of hours researching and reading to learn all things credit and was able to purchase his own home by himself by the time he was 30.

After using these same strategies to help numerous friends and family build or rebuild their credit, Zack realized that his passion was using this knowledge to help people get qualified to buy a home when other lenders have turned them down, or told them “Call me when you fix your credit score.”

Call Zack today and he will coach you on what to do, step-by-step, until he gets you approved to buy your dream home!

Meet Joe Betro, aka “The Above Average Joe,” the mortgage industry maven with over eight years of experience. He won’t claim to be perfect, but he sure knows how to keep those loans moving, drop mortgage knowledge bombs, and respond like a champ. He’s so dedicated, he’ll work until his phone dies from exhaustion.

Joe cut his teeth as a retail loan officer for the biggest mortgage lender in Detroit, but he came to his senses and moved to the wholesale channel, where he’s been crushing it for the past four years. And he’s got brains to boot – he’s married to a corporate finance attorney at a big three auto company, so he’s definitely not winning any arguments with the Wife, but he’s probably smart enough to close your loan.

Oh, and did we mention he’s got a boat and lives on a lake? If you’re ever in “The Mitten,” make sure you swing by during summer and get ready to hit the lake with Joe. He’s the man with the plan and the boat.

Hi! My name is Alaina, I’m a licensed NMLS loan originator and licensed real estate agent in Florida. I have experience as a loan officer assistant and processor in the mortgage industry. I have assisted with home loans such as FHA, VA, but mostly foreign national loans. My personal and professional goals are to be as knowledgeable and supportive as I can while helping you with your home loan.