Meet Our Team

Meet Our Team at Loan Cabin Inc. And Gustan Cho Associates

Meet Our Team the Team at Loan Consultants at Loan Cabin Inc. NMLS 1657322

Welcome to Gustan Cho Associates at Loan Cabin Inc., is a five-star direct lender with a nationwide footprint with headquarters in Lombard, Illinois.

  • Gustan Cho Associates at Loan Cabin Inc. founded by CEO Massimo Ressa, is a national direct lender with no lender overlays on conventional and government loans
  • We are also correspondent lenders on bank statement loan for self-employed borrowers, Non-Qm loans, and alternative financing
  • Loan Cabin Inc. also offers an array of alternative loan products
  • Gustan Cho Associates is the national consumer direct division of Loan Cabin Inc
  • The Gustan Cho Team at Loan Cabin Inc. closes virtually all of the pre-approvals that they issue
  • This is because they are signed off on by our underwriter team
  • Closing delays are extremely rare at The Gustan Cho Team at Loan Cabin Inc.

Thank you for stopping by Loan Consultants Mortgage and proceed onward to meet our team of licensed loan officers, guest writers, and support staff.

Massimo Ressa Chief Executive Officer At Loan Cabin Inc.

Massimo Ressa is the Chief Executive Officer at Gustan Cho Associates Mortgage Group at Loan Cabin Inc. Massimo Ressa has a national reputation for being a leader in the mortgage industry and having a national no overlay business model. Massimo Ressa founded Loan Cabin Inc. in 2017 and the mortgage banking firm is quickly becoming a national leader licensed in multiple states.

Gustan Cho NMLS 873293 National Managing Director

Gustan Cho is the National Managing Director of Gustan Cho Associates Mortgage Group, a division of Loan Cabin Inc.

  • The Gustan Cho Team at Loan Cabin Inc. is a full- service mortgage firm headquartered in Lombard, Illinois
  • Gustan Cho Associates at Loan Cabin Inc. has a national reputation for its no overlays on Government and Conventional Loan Programs and being a one-stop lending shop
  • In addition to being Fannie/Freddie Direct Lenders, The Gustan Cho Team at Loan Cabin Inc. has access to correspondent relationships including commercial outlets, no doc fix and flip rehab investors, bridge financing, non-Qm and alternative financing and we pride ourselves on being able to obtain loans where other lenders fail
  • The Gustan Cho Team at Loan Cabin Inc. is constantly implementing more loan programs such as Non-QM loans, alternative financing, and investment property loans .

Career In Mortgage Lending At Loan Cabin Inc.

Gustan passed his NMLS exam in 2012 and got his NMLS licenses in numerous states that year.

  • Closing thousands of his own personal real estate investing mortgage loans gave Gustan a head start in the commercial and residential mortgage lending field.
  • Gus saw many problematic issues with the mortgage lending business from his personal experiences of being a borrower and closing countless mortgage loans as a real estate investor.

Here is what Gustan realized and as a result developed a new mortgage process where there is virtually no reason why a pre-approved borrower cannot close on their home loan.

  • Over 75% of Gustan’s borrowers are people who have either been denied at the last minute a home loan or are under unnecessary stress as they go through the mortgage process
  • The ONLY reason for a last-minute mortgage loan denial or unnecessary stress during the mortgage process is because the borrower was not qualified correctly
  • Virtually All ofGustan Cho’spre-approved borrowersclose on their home loans
  • Gustan Cho’s belief is that being a loan officer is unlike any other sales job
  • Borrowers entrust their loan officers with their personal and private information
  • In return, a loan officer should to be available for their borrower 24/7, 7 days a week, evenings, weekends, and holidays
  • As such, the Gustan Cho Team at Loan Cabin Inc. of licensed loan officers are available 7 days a week, evenings, weekends, and holidays and all borrowers have our cell and home phone numbers

Gustan Cho can be reached direct at 262-276-8151 or text for faster response. Or email us at gcho@gustancho.com

Maria Windham NMLS# 458679

An experienced loan officer with The Gustan Cho Team at Loan Cabin Inc., Maria’s extensive background in mortgage lending provides her clients with multiple lending options which include:

  • FHA Loans including 203(k), 203(b), Reverse Mortgage, FHA High Balance- No Lender Overlays 
  • VA Loans including purchase money loans and streamline refinance loans 
  • USDA Loans for purchase and refinance 
  • All conventional loans underwritten to Fannie Mae and Freddie Mac guidelines 
  • Specialized portfolio products  
  • Primary residence, second homes and investment properties 

Samantha Schlarb NMLS 1531330 Vice President of Operations

Samantha Schlarb NMLS 1531330 is Vice President of Loan Cabin Inc. and the executive administrative assistant to Massimo Ressa, the Chief Executive Officer of Loan Cabin Inc.| Gustan Cho Associates. Sam Schlarb contact information is 630-613-8379 and her email address is samantha@loancabin.com.

Ami Thakkar NMLS 1020037 Mortgage Processor

Ami Thakkar is the senior mortgage processor for Gustan Cho Associates at Loan Cabin Inc.

  • Ami is a licensed 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, assisting with our closing department and funding

Piotr Bieda Chief Technology Officer

Piotr Bieda is the Chief Technology Officer of Loan Cabin Inc. Piotr Bieda is also the Chief Operating Officer of Gustan Cho Associates.  Mr. Bieda is also the Marketing Director at Gustan Cho Associates at Loan Cabin Inc. Piotr can be reach at peter@loancabin.com. His number is 773-732-5773.

Michael Gracz NMLS 1160212 National Sales Manager

Michael Gracz NMLS 1160212, National Sales Manager at Loan Cabin Inc.| Gustan Cho Associates and in command and charge of all licensed loan officers nationwide.

Mike Gracz, National Sales Manager of Gustan Cho Associates at Loan Cabin Inc. is a contributing editor for Gustan Cho Associates Mortgage News since 2012.

Michael Gracz has personally helped hundreds of families obtain the home of their dreams.

Michael Gracz is also Editor-In-Chief at Loan Consultants. We are also correspondent lenders on for self-employed borrowers. We also offers an array of alternative loan products. We close virtually all of the pre-approvals that they issue because they are signed off on by our underwriter team. Closing delays are extremely rare. Thank you for stopping by Loan Consultants Mortgage and proceed onward to meet our team of licensed loan officers, guest writers, and support staff.

  • Mike Gracz is highly skilled and low credit lending
  • There are very few situations Mike has not seen before
  • Clients in the past have called Michael the “loan doctor” during the mortgage process
  • Michael Gracz prides himself on being up to date on all mortgage guidelines and new products
  • Mike Gracz is also an EXPERT in NON-QM lending!
  • NON-QM loans open up home ownership opportunities to thousands of Americans who have a troubled financial past
  • Every client is equally as important to Mike as the last
  • Borrowers can expect a personal touch and attention to detail throughout the entire process
  • It is important for borrowers to understand the mortgage process can be stressful at times
  • Michael was not in the mortgage industry when he purchased his first home, so Mike knows both sides of the spectrum
  • That being said, Michael is here to serve our clients at Gustan Cho Associates in every way possible
  • Mike Gracz prides himself on being available 7 days a week!
  • Many of Michael’s clients have busy schedules, or may work nights
  • He does his very best to be available anytime and all the time
  • Many of Michael’s clients will not qualify for a mortgage today, but Michael works with them and help them qualify
  • Michael creates a financial plan to qualify as soon as possible
  • Mike has worked with many clients over 12 months before they are ready to buy a home
  • He holds himself and his staff to a high standard of business practices and will vouch for his loan officer’s customer service levels
  • Our reviews say it all and Michael encourages them to take a look at them
  • Whether home buyers are buying their first home, first investment property, or 15th house, The Michael Gracz Team at Gustan Cho Associates is always here to help

Our goal is to help you with your mortgage needs and earn your business for life. Most of our first-time home buyers come back to us for their next home! That is the ultimate compliment. I give my cell to all my clients, call me directly on 630-659-7644 or email me on mgracz@gustancho.com.

The Michael Gracz Team at Gustan Cho Associates are experts in the following:

  • FHA Home Loans
  • VA Loans
  • USDA Loans
  • Conventional Loan Programs
  • Non-QM Loans
  • Bank Statement Loans for Self Employed Borrowers
  • 90% LTV Jumbo Mortgages

The Michael Gracz Team at Gustan Cho Associates can help borrowers with less than perfect credit and higher debt to income ratios. Due to Loan Cabin inc.| Gustan Cho Associates being a no overlay lender on government and conforming loans, Mike can structure any less than perfect credit borrowers files and help them qualify for a home loan in a matter of a short time. It is not if you can qualify for a mortgage with Mike but when. Mike Gracz can be reached at 630-659-7644 or email at mgracz@gustancho.com.

Angela Torres Chief Processing & Closing Manager

Angie Torres is the corporate mortgage processing manager. Angela Torres is the top honcho and runs Loan Cabin | Gustan Cho Associates opening, processing, and closing departments:

  • Angie’s role is to make sure that her team of processors and loan officer assistants have every borrower’s file fully scrubbed
  • Angie Torres takes major pride in her work
  • Her mission is that all of her mortgage processors and junior processors has thoroughly processed every file
  • This is so borrowers not just close on their home loans but meet all of their closing dates and close their home loans on time
  • Angie makes sure that all conditions gets properly provided for a two touch underwriting process
  • Angie Torres has a national reputation of not having no more than a two touch clearing of conditions and get the clear to close issued by mortgage underwriters

Angela Torres works out of our Lombard, Illinois corporate offices at Loan Cabin Inc.

Gianna Dilla Loan Coordinator

Gianna Dilla is the Loan Coordinator for Loan Cabin Inc.

Jo Fabian Loan Closer

Jo Fabian is the manager of the Loan Closing Department at Loan Cabin Inc.

Karen Cordes SVP of Operations/Mortgage Underwriting Manager

Keren Cordes is an upper level management executive with Loan Cabin | Gustan Cho Associates and the Senior Vice President of  Operations.

Responsibilities and role include but is not limited to Aid in deployment of Encompass Loan Origination system.

  • Leads organizational efforts to enhance quality and efficiency by:
    • maximizing use of Encompass Loan Origination System
    • other mortgage and credit risk automated systems
    • monitoring and managing defect rates
    • Engagement in business development whether technical and/or theory related
    • manage vendors relationships and compliance
    • Work with Chief Executive Officer and high level executives/investors to effectively evaluate, motivate, delegate and monitor activities of operations and support staff
      • manage process and procedure change
      • or best practice communication to staff and management
      • management and redistribute workflow when deemed necessary to maintain strong customer service levels to ensure timely delivery to clients and satisfaction 
    • Monitor daily, weekly, and monthly actual and projected production reports
    • Provide support for escalated problem:
      • resolution
      • assess fulfillment staff performance
      • role includes to identify and provide training needed to increase efficiency
      • always looking in ways to improve quality and time efficiency
      • interface with internal operations and systems
      • support areas to identify root cause of issues and find solutions with definitive deadline dates
      • provide training and track results to confirm solutions have resolved issues identified
      • manage direct reports
      • this is so as to effectively evaluate, motivate, delegate, and monitor their activities
      • effectively communicate with CEO progress in operations and procedures as to meeting desired metrics
      • track the progress of improvements as they are implemented, monitor hiring, training, and performance management of all operations staff

Debby Miller DE Underwriter 

Debby Miller is a DE Mortgage Underwriter and assists with operations for Loan Cabin Inc.

Alex Carlucci NMLS 229891 Senior Vice President

Alexander Thomas Carlucci NMLS 229891 is the number one and lead Senior Loan Officer with Gustan Cho Associates.

Alex Carlucci is an expert in originating and processing the following loan programs:

  • FHA Loans
  • VA Loans
  • USDA Loans
  • Conventional Loans
  • NON-QM Loans
  • Bank Statement Loans For Self Employed Borrowers
  • Jumbo Mortgages
  • Reverse Mortgages
  • Investment Property Loans

Alex Carlucci is licensed in multiple states. Alex can be reached at (630) 915-7550. Borrowers can call or text Alex Carlucci for faster response. Alexander Thomas Carlucci can also be reached via email at alex@loancabin.com.

Dale Elenteny NMLS 904444

Dale Elenteny is a veteran licensed senior loan officer with Gustan Cho Associates Mortgage Group at Loan Cabin Inc.

    • Dale has over two decades of mortgage experience. Dale Elenteny has worked both in the wholesale and retail section of the mortgage industry
    • As a wholesale account executive, Dale has helped countless of loan officers who needed help with guidelines or on how to structure a deal
    • His passion of helping families realize the dream of home ownership become a reality was the reason he is now in retai
    • Over 75% of Dale’s borrowers are folks who could not qualify at other lender
    • However, Dale helps these folks in preparing them qualify for the best mortgage program and help buyers qualify for a mortgag
  • Dale has helped countless of home buyers and has been a mentor to hundreds of loan officers

Dale Elenteny can be reached at 630-479-2719 or email at dale@loancabin.com.

Dora Luz Ali NMLS 1518932

Dora Ali is a senior mortgage banker with Gustan Cho Associates Mortgage Group at Loan Cabin Inc. Based in Houston, Texas, Dora is licensed in multiple states and has a national reputation of being able to close mortgage loans other lenders cannot. Dora is an expert in FHA, VA, USDA, Conventional Loans as well as Jumbo Mortgages, Foreign National Loans. Since a large percentage of Dora’s clients are business owners, Dora offers bank statement mortgage loans for self employed borrowers where no income tax returns are required. NON-QM Loans and alternative financing loan programs are Dora’s top lona programs. Dora Ali and her Team represents a national lender with no overlays on government and conventional loans. A large percentage of Dora Ali’s borrowers are Spanish Speaking home buyers and foreign nationals. Dora is not just a direct lender with a national five star reputation, but she is also a veteran licensed real estate agent in the state of Texas. With over a decade of full time experience in helping Texas home buyers realize their dream of homeownership become a reality, Dora Ali is the go to person for home buyers, especially first time home buyers. Dora is available 7 days a week. She can be reached at 832-455-7631 or text her for faster response. Or email Dora at dora@loancabin.com.

John Strange NMLS 230932

John Strange NMLS 230932 of Gustan Cho Associates is a senior loan officer with over 33 years of mortgage lending experience at Gustan Cho Associates.

John Strange is a loan officer specializing in helping home buyers get financing in government and conventional loans. John is an expert in helping borrowers with less than perfect credit and higher debt to income ratios. All FHA Loans, VA Loans, USDA Loans, Conventional Loans have no lender overlays at Gustan Cho Associates.

John Strange also has extensive experience in originating and funding:

  • Jumbo Mortgages
  • Alternative Financing
  • Condotel Loans
  • Non-Warrantable Condominiums
  • NON-QM Loans, Bank Statement Loans for Self Employed Borrowers
  • Investment Property Loans

John Strange can be reached by phone and/or text at (630) 292-0266 or by email at john@loancabin.com.

Syed Asif Ali NMLS 1518930

Syed Ali is a senior loan officer with The Gustan Cho Team at Loan Cabin Inc. Syed email address is syed@loancabin.com.

Joe Garza NMLS 1513121

Joe Garza is a senior mortgage advisor with Gustan Cho Associates at Loan Cabin Inc. Joe is an expert on government and conforming loans. He also has extensive knowledge on non-qm loans, alternative financing, and bank statement loans for self employed borrowers. Joe Garza can be reached at 210-749-7199. His email address is joe@loancabin.com.

Bianca Piverger NMLS 1709387

Bianca Piverger is a senior vice president and senior loan officer with Gustan Cho Associates Mortgage Group at Loan Cabin Inc. Bianca’s contact information is bianca@loancabin.com.

Ricky Chaparro NMLS 1642034

An experienced loan officer with Gustan Cho Associates at Loan Cabin Inc., Ricky’s extensive background in mortgage lending provides his clients with multiple lending options which include: 

  • FHA Loans including 203(k), 203(b), Reverse Mortgage, FHA High Balance- No Lender Overlays 
  • VA Loans including purchase money loans and streamline refinance loans 
  • USDA Loans for purchase and refinance 
  • All conventional loans underwritten to Fannie Mae and Freddie Mac guidelines 
  • Specialized portfolio products  
  • Primary residence, second homes and investment properties 

Fabio Mino Scivittaro NMLS 227820

Fabio Mino Scivittaro NMLS 227820 is a senior loan officer assigned to the corporate offices of Loan Cabin Inc.in Lombard Illinois.

Chuck Bono NMLS 1389149

Chuck Bono NMLS 1389149 is a veteran senior mortgage loan originator assigned to the corporate offices of Loan Cabin Inc.in Lombard, Illinois.

Chuck is an expert on the following types of mortgage loan programs:

  • Most mortgage closings are done in 30 days or less
  • FHA Streamline Refinance 
  • FHA Loans With No Overlays
  • FHA 203k Loans
  • FHA Reverse Mortgages
  • High Balance FHA Loans
  • FHA Loans down to 580 FICO Credit Scores with no lender overlays
  • VA Loans With No Overlays
  • USDA With No Overlays
  • Conventional Loan Programs with no overlays
  • NON-QM Loans where borrowers one day out of bankruptcy and foreclosure can qualify for a mortgage
  • Investment property loans
  • Chuck, as well as all members of Gustan Cho Associates at Loan Cabin Inc. is available 7 days a week, evenings, weekends, and holidays

Charles Bono can be reached at (630) 613-8389 and his email address is chuck@loancabin.com.

Dominic Anthony White NMLS 520208

Dominic Anthony White NMLS 520208 is an experienced veteran mortgage loan officer assigned to Loan Cabin’s corporate headquarters in Lombard, Illinois. Dominic White contact information is 847-977-8111 and his email address is dominic@loancabin.com.

Minta Mozuraite NMLS 228810

Minta Mozuraite NMLS 228810 is a SVP of mortgage banking at Loan Cabin Inc. Minta Mozuraite contact information is 708-263-3480 and email address is minta@loancabin.com.

Vincent Redd NMLS 233273

Vincent Redd NMLS 233273 is a remote loan officer assigned to Loan Cabin Inc. corporate headquarters in Lombard, Illinois. Vincent Redd contact information is 773-255-1698 and email address is vincent@loancabin.com.

Phillip Turano NMLS 227725

Phillip Turano NMLS 227725 is an experienced mortgage loan originator assigned to Loan Cabin Inc. corporate offices in Lombard, Illinois. Philip Turano contact information is 630-546-9595 and email address is phil@loancabin.com.

James McCarthy III NMLS 222961

James McCarthy III NMLS 222961 is an experienced loan officer assigned to Loan Cabin Inc. corporate offices in Lombard, Illinois.

Hilda Aguirre NMLS 224175

Hilda Aguirre NMLS 224175 is an experienced loan officer. Hilda Aguirre works at our corporate headquarters in Lombard, Illinois where corporate offices is her assigned office.

Ryan Lewandowski NMLS 216436

Ryan Lewandowski is an Executive Senior Vice President of Loan Cabin Inc. and a producing senior loan officer. Ryan Lewandowski is a manager and team leader at Loan Cabin Inc.

Antonio Halek NMLS 1258517

Antonio Halek NMLS 1258517 is a senior mortgage banker with Loan Cabin Inc. Antonio is based at Loan Cabin’s corporate headquarters in Lombard, Illinois.

Board Of Directors Of Gustan Cho Associates National Production & Sales Division

The following members are elected members of the Board Of Directors of Gustan Cho Associates National Production & Sales Division Of Loan Cabin Inc.

  1. Chairman of Board of Directors and CEO Massimo Ressa
  2. Director Gustan Cho
  3. Director Piotr Bieda 
  4. Director Michael Gracz
  5. Director Alex Carlucci

Board Of Directors Meetings are held at Loan Cabin | Gustan Cho Associates corporate offices twice per month. The Chairman of Board of Directors and Chief Operating Officer Massimo Ressa is the executive in charge of scheduling the meetings. All directors are expected to attend and the meetings are mandatory.
Read more https://gustancho.com/meet-our-team