About Us

At Olive Tree Loans, our mission is to assist first-time homebuyers, borrowers with past credit challenges or lower credit scores, self-employed individuals, and those who have been unable to qualify with other lenders in securing a home loan at competitive rates. We prioritize exceptional service to our clients, recognizing that the competitive landscape never rests. Our goal is to surpass the competition by offering top-tier loan programs at attractive rates, while ensuring we’re available to support our borrowers seven days a week, including evenings, weekends, and holidays. We are committed to responding promptly to all phone calls, texts, and emails, no matter the time.

At Olive Tree Loans, our mission is to provide accessible financing solutions tailored to meet the needs of all borrowers. We specialize in FHA loans for borrowers with credit scores as low as 500, VA loans with a 500 FICO and up to a 65% debt-to-income ratio, as well as manual underwriting options for those with outstanding collections, charged-off accounts, and other types of bad credit. If the borrower meets the agency mortgage guidelines, we are committed to qualifying, approving, and closing the loan.

Self-employed borrowers also have access to our non-QM loan options, including no-doc mortgages, bank statement loans, stated income loans, asset depletion mortgages, and P&L statement-based income loans. We offer a wide variety of specialized loan programs for owner-occupied homes, second homes, and investment properties to ensure that all borrowers can secure the financing they need.

At Olive Tree Loans, we understand how crucial it is for loan officers to be available whenever borrowers have questions. That’s why our licensed team and support staff are here for you seven days a week, including late evenings, weekends, and even holidays. You can always reach us at 855-229-6454 or text us for an even faster response. Email us anytime at kingsley@olivetreeloans.com—our commitment to accessibility extends to all hours, ensuring you’re never left waiting. Unlike traditional “banker’s hours,” we prioritize being available when you need us most, especially during the vital pre-approval stage of the mortgage process.

For borrowers who don’t meet the qualifications of traditional mortgage programs, we provide specialty mortgages and non-QM loans. Our traditional jumbo loans go up to 90% LTV with credit scores as low as 660 FICO and debt-to-income ratios up to 50%. Additionally, our non-QM jumbo loan programs allow for credit scores as low as 500 FICO. Gustan Cho Associates has built a strong national reputation as a one-stop mortgage resource, thanks to our extensive network of non-QM wholesale lenders and alternative financing partners.

One of the key reasons to choose us for your home loan is our expertise in alternative income financing. At Olive tree loans, we specialize in bank statement loans, no-doc mortgages, asset depletion, stated income loans, and other innovative financing solutions. Our goal is to expand our licensing to most of the 50 states in the near future. Many realtors, buyers, sellers, attorneys, loan officers, and other real estate and mortgage professionals are unaware that a company like Gustan Cho Associates exists, offering these unique and flexible mortgage options.

A common source of stress for homebuyers during the mortgage process, and a leading cause of last-minute mortgage denials, is inadequate borrower qualification prior to the issuance of a pre-approval letter. At Olive Tree Loans, we ensure that all borrowers are thoroughly vetted and fully qualified before receiving a pre-approval letter from one of our loan officers. In fact, more than 75% of our clients come to us after being unable to qualify with other lenders due to restrictive lender overlays. Unlike many other lenders, Olive Tree Loans imposes no overlays on FHA, VA, USDA, or Conventional loans.