Loan Officer Gustan Cho
Loan OfficerForum Replies Created
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A few more pictures of our Girl Bailey 👧 💕 💗 💓 💖
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Here are a few more pictures of Bailey. Waiting for the Veterinarian. She weighs 65 pounds.
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Bailey is Skylar’sister. Adopted Bailey on or around March 1, 2025. Extremely skittish and has a bad ear infection. When she walks, her head is tilted due to the pain. I have been washing her ears to no avail. My wife made an appointment with our Veterinarian, Westosha Animal Hospital in Kenosha, Wisconsin. I am at the Vet now. Poor girl is so frightened about everything. Let you all posted on the diagnosis of her ears.
Here are some photos of Bailey ❤️ 😍 💖 ❣️ 💕 💘
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Here is a plan to help you maintain a healthy ecosystem for your fish: consider the issue of duckweed, and control cattails and weeds while also attending to your pond of 0.50 to 0.75 acres. I will provide a detailed strategy to supply your pond with a robust and enduring waterfall pumping system.
Choosing a Reliable Waterfall Pumping System
- A waterfall in a pond 0.50 to 0.75 acres in size (around 21,780 to 32,670 gallons, assuming an average depth of 3 feet) requires a powerful and durable pump to circulate the water, manage duckweed, and maintain oxygen levels.
Here are some considerations, grade features, and recommendations :
Suggested Grade Features for the Pump
Flow Rate:
- Aim for a pump that can circulate the entire water volume in the waterfall once every 1 to 2 hours.
- For the 0.75-acre pond (~32,670 gallons), a 16,000 to 32,000 GPH (gallons per hour) pump will work.
- For the 0.50-acre pond (~22,000 gallons), 10,000 to 20,000 GPH will suffice.
- Additionally, a flow rate of approximately 125 GPH is required for each inch of the waterfall’s width.
Head Height:
- This is the vertical distance from the water level to the top of the waterfall.
- Adding friction losses from tubing requires an additional foot of water head for every ten feet of tubing.
- Choose a pump with a maximum head height greater than a waterfall lift (10-20 feet for most patio or backyard water features).
Solids-Handling Capability:
- Since duckweed and debris are encountered, a solids-handling pump that can pass small debris (0.25-1.5 inches) should be chosen to prevent clogging.
Energy Efficiency:
- Check asynchronous or magnetic-drive motors for minimal energy cost uptakes, especially for continuous 24/7 operation.
Durability:
- Look for at least 2–3 year warranties on pumps made of corrosion-resistant materials like stainless steel or ceramic impeller shafts.
Submersible vs. External:
- Aesthetically, submersible pumps are better looking and easier to install in ponds.
- External pumps are great for really big systems but require much more work to set up.
Recommended Pumps
- As of 2025, here are some reliable high-flow-rate waterfall pumps suited for your pond size and requirements:
- Tsurumi PL Series Pump – Aquascape (5,000-10,000 GPH).
- Flow Rate: Suitable for ponds up to 0.50 acres, models range from 5,000 to 10,000 GPH.
- For a 0.75-acre pond, smaller waterfalls can be over 5,000 GPH.
- Head Height: 18-56 feet max, depending on the model.
- Features: It handles solids up to 1.5 inches of debris.
- It has an energy-efficient asynchronous motor with a two-year warranty.
- This is excellent for reducing maintenance expenses associated with duckweed and debris.
- Price: $600-$1,200 range; check Aquascapeinc.com or PondUSA.com.
- Why It Fits: Its durability, support for solid debris handling, energy efficiency, and continuous operation design make it an ideal choice.
Performance Pro WellSpring Submersible Pump (1/4 HP to 1 HP, ~6,000-10,200 GPH)
- Flow Rate: 6,000-10,200 GPH, suitable for mid-sized and large waterfalls.
- Head Height: 20-30 feet.
- Features: High-end, waterproof seals and semi-open, clog-free impellers.
- The product is robustly constructed and comes with a 3-year warranty.
- Quality components lead to long-term reliability.
- Price: ~$ ~$500-900 at PondUSA.com and WaterPumpsDirect.com.
- Why It Fits: Operates unattended and integrates well into skimmers and sumps.
- Smartphone 3,600 GPH Waterfall Pump.
- Flow Rate: 3,600 GPH at 0 feet. This pump is specifically designed for small waterfalls situated within a 0.5-acre pond.
- Head Height: 8.3 feet.
- Features: Energy efficient (170 watts), 2-year warranty (+1 year for online registration).
- The pump handles solids and connects to 1.5- to 2-inch tubes.
- Price: $150-$250 at smart-pond.com or HomeDepot.com.
- Why It Fits: The pump boasts an excellent price point and reliability, although 0.75-acre ponds may require 2-3 units.
Atlantic TidalWave PAF-Series Pump (5,000-10,000 GPH)
- Flow Rate: 5,000–10,000 GPH, effective for high-flow applications.
- Head Height: 20-30 feet.
- Features: Direct drive motor handles solids up to 1.5 inches with thermal overload and a 2-year warranty—high torque.
- Price: $700-$1,200, available on Webbsonline.com or PondUSA.com.
- Why It Fits: Efficient for large ponds and waterfalls, built tough for dependable service.
Tsurumi 4HF Submersible Pump (200 GPM, ~12,000 GPH)
- Flow Rate: 12,000 gallons per hour (GPH) for a 0.75-acre pond.
- Head Height: 20-30 feet max.
- Features: High-volume flow pump, efficient energy use, stainless steel body, 2-year warranty.
- Price: $800-$1,500 available on WaterPumpsDirect.com.
- Why It Fits: Great for large ponds with high flow needs.
- It offers good reliability for long-term use in heavy debris situations.
Tips for Installation:
Placement:
- Place the pump within a skimmer box or at the deepest section of the pond to enhance water flow and reduce the circulation of floating plants like duckweed.
- It must be fully submerged to prevent overheating.
Direct-Drive-Pump-High-Pressure-Ponds-Waterfalls
- Tubing: To decrease friction loss, ensure 1.5- to 2-inch tubing handles the flow from the pump.
- Pre-Filter: Duckweed poses a threat to clogging up water pumps.
- Thus, putting it in a pre-filter or mesh is essential to reduce the likelihood of duckweed entering through the pre-filter.
- Maintenance: Purchase a water pump that simplifies maintenance by allowing quick access to clean parts without tools.
Where to Buy Immediately
- Online: Visit Amazon.com, Water Pumps Direct, ThePondGuy, and PondUSA. Amazon offers the fastest shipping within 2–5 days with Prime, and the others offer free shipping depending on the order volume and conditions.
Retrieved From
- Local options include specialty pond stores or Home Depot.
- Their websites list supplies for same-day pickup.
- Urgency Tip: For utmost immediacy, use the provided links to Amazon or Home Depot for shorter shipping times of 1–3 days with expedited shipping after purchase, and call shops nearby to confirm stock.
Handling Duckweed and Oxygen Levels
- Duckweed can completely cover your pond’s surface, severely limiting oxygen availability, which can harm fish, especially during hot weather.
- A waterfall pump will help by increasing water movement and aeration.
Additionally:
- Increase Aeration: In addition to the waterfall, injectors like The Pond Guy Pond Aerator ($150-$300) can better incorporate oxygen into the water.
- Physical Removal: Use a fine-mesh skimmer net or a pond rake to remove duckweed until the pump is operational manually.
- This will prevent it from blocking light and oxygen.
- Biological Control: Stock duckweed-eating fish such as grass carp (if legal where you live, remember to check your local laws) or koi, which eat small quantities of duckweed.
- Avoid overstocking, as this can cause oxygen depletion.
- Chemical Control: Use Aquacide Pellets or Fluridone (carefully follow instructions, as these may harm fish).
- It is best to consult a specialist beforehand.
Controlling Cattails and Other Weeds
Cattails and other weeds near your pond can worsen debris problems and compete with your fish for resources.
Here’s how to control them:
- Manual Removal: Cattails must be cut off at the base with sickles or pruning shears, and the roots must be dug out to stop regrowth.
- Don gloves and boots, as the roots can be stubborn.
- Discard the clippings to prevent reseeding.
- Chemical Methods: Herbicides like Shore-Klear and Rodeo (containing glyphosate) are safe for water bodies.
- You can apply these herbicides to cattails by spraying them directly on the leaves.
- Follow EPA’s recommendations and do not allow fish to access the water where herbicides are likely to leach out.
- Barriers: You can control pond edge cattails by planting plastic and stone barriers as boundaries.
- Regular mowing around the pond margin can effectively control other weeds.
- Long-Term Solution: Use aesthetically desirable native plants like pickerelweed and water lilies to enhance the pond’s appearance and outcompete cattails.
Fish Stocking Considerations
You cannot add more fish until the pond’s ecosystem stabilizes.
- Wait for Pump Installation: Do not add fish until the waterfall pump has been established and verified for adequate oxygen availability (70% dissolved oxygen in the water, verified with a test kit ($20–$50)).
- Duckweed and high temperatures may cause low oxygen conditions and risk suffocation for fish.
- Fish per Gallon: For a pond size of 0.50-0.75 acres, the target bluegill stocking is around 20-60 fish.
- Avoid overpopulation.
- Having more than 30% fish will result in high ammonia levels.
- Fish Types: Replace grass carp for weed control.
- They do require permits in several states.
- Bluegill, koi, and goldfish are more resilient to environmental changes.
Urgent Steps Solution Strategy
Pump Purchase:
- Buy the waterfall-size-specific SmartPond for smaller waterfalls (<15ft) and the Tsurumi for larger waterfalls.
- They are both Amazon products with 1-3 day shipping.
- These links can be helpful.
Continue to Keep Duckweed Removed:
- Manual duckweed removal must continue until the pump works to keep the fish safe.
Remove Cattails:
- Remove the cattails and weeds to prevent debris from entering the pond and enhance the water quality.
Maintain Oxygen Levels:
- Reduce the fish until you install an effective pump.
- If you have the resources, we recommend installing a temporary aerator until the pump is ready.
- Fish Movement: Only remove fish when the waterfall is functional and duckweed levels remain low.
Estimated Costs
Pump:
Depending on its model and capacity, the pump can range from $150 to $1,500.
- Aerator (Optional): $150 to $300.
- Tools for Cattail/Weed Removal: The cost ranges from $20 to $100 (including a sickle, gloves, and herbicide).
- Oxygen Test Kit: $20 to $50.
- Grand Total: Depending on the selected pump and additional equipment, it will cost between $340 and $1,950.
Additional Tips
- Check Local Regulations: Confirm that chemical treatments or fish stockings comply with local environmental regulations.
- Maintenance Schedule: Clean the pump’s pre-filter weekly to remove duckweed and debris.
- The waterfall check for clogs is monthly.
- Professional Help: Search “pond maintenance near me” to find someone local.
- Tailored suggestions are a phone call away for those overwhelmed by their pond’s size or issues.
- This plan suggests purchasing a durable and high-capacity pump to restore your waterfall, manage duckweed, and address cattails and weeds for a healthy pond.
Protect your fish by ordering the pump today. Contact us if you’d like help narrowing down specific models or local listings! 😊
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Illinois is out of control. Dolton Illinois Super Mayor Tiffany Henyard hired a ex-convict and registered sex offender as her right hand man after two high ranking officials including the Chief of Police got charged of bankruptcy fraud.
In this video a huge loss for the Super Mayor in court where a Cook County judge not only blocked her recent appointments but issued a restraining order against her.
Full Super Mayor 106 and 106A, the fair use of a copyrighted work for purposes such as criticism, comment, review and news reporting are allegations and the final outcome of the validity is not confirmed.
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Greg Bishop reviews some shell bill action happening at the Illinois Statehouse in the final days with an empty budget bill passed to the House by the Senate and a measure about food safety being gutted and replaced in the House to advance “medical aid in dying” legislation. Illinois is broke and is spending money 💰 on Trump for the Shortfall of Medicare bill due to Trump’s tax cuts.
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There’s a real estate crash going but home prices are not going down.
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Thinking about relocating in 2025?America is full of opportunity — but not every state is thriving. While some states are booming with economic growth and better infrastructure, others are facing serious challenges like rising crime, high costs of living, and shrinking populations.
In this video, we reveal the Top U.S. States You Should Avoid in 2025, based on key factors like:• Economic conditions• Crime rates• Cost of living• Quality of lifeSpoiler alert: West Virginia, New Mexico, and New Jersey are on the list — and we’ll explain why.Thanks for watching Top 10 List, where we break down the facts and trends shaping our world! If you love travel, geography, or just discovering something new — this is the channel for you!Don’t forget to Like, Subscribe, and Turn on Notifications! -
I seek the ideal candidate to become my right-hand man at Gustan Cho Associates and its wholly-owned subsidiary companies. The candidate will work as a paid intern on a 90 —to 120-day National Business Development Manager in Training probationary. The ideal candidate will co-administer Great Community Authority Forums and Sub-Forums with me and senior managers.
- I am not in a major hurry because I want the ideal candidate who will be a lifelong member of our growing national team.
- The ideal candidate should have extensive general knowledge of housing, business, finance, mortgage lending, customer service, digital media marketing, and digital social media marketing platforms. They should also be familiar with basic computer skills and know WordPress and its plugins.
- The ideal candidate will be a natural leader and go-getter with an extensive business development, recruiting, and HR background.
- I would like to hear a detailed account of your career, schooling, and personal details, and an introduction to the talented professionals at Gustan Cho Associates, a division of NEXA Mortgage, LLC, for which I have provided creative mortgage planning services.
About Gustan Cho Associates
- As the nation’s largest mortgage broker and correspondent lender, Gustan Cho Associates is a DBA for NEXA Mortgage, LLC.
- It is projected to onboard 5,000 licensed mortgage loan originators.
- It is licensed in 48 states (New York and Massachusetts pending), including Washington D.C., Puerto Rico, Guam, and the US Virgin Islands.
- Gustan Cho Associates and its wholly-owned subsidiary companies operate as an all-in-one, one-stop mortgage shop.
- Gustan Cho Associates has many divisions and departments in-house, and its operations and support network affiliates.
- This provides the ultimate diversity of loan products for borrowers, loan officers, and referral partners.
Our mortgage lending associates with 280 wholesale mortgage companies and investors, giving us access to vast inventories that include:
- Government and Conventional Loans: No lender overlays on FHA, VA, USDA, and conventional mortgage loans, which makes it easier for borrowers who may face issues qualifying with other lenders.
- Non-QM and No-Income Documentation Programs: These are tailored for self-employed, unique investors, or those with atypical financial situations.
- Private and Hard Money Loans: This option is very useful for borrowers seeking quick financing based on equity.
- Commercial Loans: We assist businesses in obtaining appropriate commercial mortgages.
- Alternative Niche Funding: Tailor-made programs catering to some specific situations of borrowers.
- Government-Backed Down Payment and Low-Interest Programs: Aiding first-time and low-income buyers with forgivable and non-forgivable options.
- What distinguishes Gustan Cho Associates is our capacity to provide the most competitive—if not the lowest—pricing across all tiers of the lending network spectrum.
- Due to their diverse partnerships and streamlined procedures, they could offer effective solutions without compromising quality, enabling them to provide amazing and cost-efficient mortgage services.
- At Gustan Cho Associates, we are humbled and grateful for the overwhelming trust, reviews, and confidence from our borrowers, loan officers, branch managers, and third-party referral partners.
- Our unyielding drive to innovate and strive for true mastery of our craft deliberately sets us apart from all other mortgage companies.
- It is proof of the remarkable self-determination borrowed from the top-level philosophy of “doubt your expertise.”
- This exceptional commitment motivates relentless innovation, resulting in remarkable differentiation from typical mortgage companies.
Overview of Mortgage Experience
The National Business Development Manager’s probationary training position is expected to require work experience in the mortgage industry and financial services. It has a broad background in the financial markets. We expect the ideal candidate to have a comprehensive understanding and concept of the housing and lending markets because they have a broad understanding of loan acquisition, client accounts management and workflow improvement.
At Gustan Cho Associates, we do not believe in titles or individuals being limited to a specific scope of work. I was responsible for processing different loans, like conventional, government, and non-QM mortgages. I worked with borrowers to ensure that they received the best possible financing. With over 280 wholesale lenders on our books, I utilized every opportunity to get the most favorable rate and terms. By focusing on client education and servicing, I earned specific achievements, e.g., top 10% in loan volume among peers during my tenure, and clients were always satisfied.
In my prior positions, I worked in every department of a mortgage company. I developed further understanding of underwriting analysis and customer assistance, which helped me be more effective in dealing with complicated loan scenarios and improve the closing process for clients. My mortgage positions also helped me understand some of the industry’s most important issues, such as compliance and how to create better financing strategies.
Educational Background
- I received a Bachelor of Arts in Business Administration from North Park University.
- Because of my undergraduate finance, economics, and business management courses, I understand mortgage markets and clients’ financial needs.
- In addition, I am a licensed mortgage loan originator (NMLS 873293) and complete required continuing education courses to stay current on industry trends and regulations.
Personal Background
My hometown is Chicago, Illinois. I currently live in Salem, Wisconsin, one hour north of Chicago.
- My family’s journey toward homeownership inspired me, shaping my passion for helping individuals achieve their financial goals.
- My values that integrate with Gustan Cho Associates’ mission to empower borrowers and loan officers include a commitment to integrity, client-centered service, and deep respect for personal choice.
- Beyond work, I pursue \[hobby, e.g., volunteering with local housing non-profits\], demonstrating my commitment to community and financial literacy.
Why Gustan Cho Associates Is A Perfect Match For Me
Gustan Cho Associates’s reputation for its “innovative lending solutions and client-centric approach” draws borrowers and potential employees to Gustan Cho Associates and its wholly-owned subsidiary companies. We have heard countless times from borrowers who thank us for gaining invaluable experience at Gustan Cho Associates, which has greatly prepared those needing a mortgage or coming to our GCA Forums for knowledge to thrive in a fast-paced, ever-changing environment. We are confident that our extensive knowledge of loan products, structuring competitive rates, and building lasting relationships with clients will enable me to make a positive impact on your team. Being a major all-in-one, one-stop mortgage shop excites me because it shows my trust in our team’s abilities to facilitate difficult financing deals.
Feel free to let me know if you have any questions or topics that may sound confusing so we can clear them up. I am confident that you, as well as future members of Gustan Cho Associates, can gain from the business and operations foundation of Gustan Cho Associates, our experience, our mission, our goals, and the great people who make Gustan Cho Associates the leader in the housing and mortgage lending industry. Do not hesitate to use Great Community Authority Forums and Sub-Forums not just for the vast resources we have published but also to participate by asking, answering, and sharing your knowledge, which makes Gustan Cho Associates the leader it has been since its inception. You can reach me at 262-627-1965—text for a faster response. Or email us at gcho@gustancho.com.
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