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gustave
anaya

CEO: Gustave Anaya

A prominent businessman and community leader in Los Angeles and Las Vegas, Gustave Anaya currently owns and operates Mortgage Capital USA, Inc. Focusing on the needs of members of the Hispanic community, Gustave Anaya assists homeowners with loan modification applications. Gustave Anaya got his start in business by working at a car dealership after completing high school. The captain of his football team and vice president of the student body at San Fernando Senior High School, Gustave Anaya was a good student and quickly grasped the complexities of dealership financing, contracts, insurance, and leasing programs. Promoted to the position of Finance and Insurance Manager, Gustave Anaya became Sales Manager of the dealership after a short time. After eight years as an employee, Gustave Anaya purchased his own dealership, becoming the President of Atlantic Volkswagen and Atlantic Datsun. Offering high-quality, fuel-efficient cars at the height of the OPEC oil crisis, Gustave Anaya quickly achieved success in the competitive Southern California auto market. Receiving the Datsun Quality Dealer award for excellence in customer service, Gustave Anaya ranked as one of the company’s top-50 dealers several times. Branching out into real estate, Gustave Anaya began investing in houses at the start of the Las Vegas housing boom. After his success in real estate necessitated additional financing options, Gustave Anaya started his own mortgage company to assist members of the Hispanic community achieve home ownership. As the Las Vegas real estate market collapsed, Gustave Anaya shifted his business to refinancing and loan abatement services, helping keep his loyal customers in their homes. As his business has grown, Gustave Anaya has turned his focus to the company’s carbon footprint and environmental impact. Investing in digital technology and scanning systems, Gustave Anaya has made Mortgage Capital USA, Inc., virtually paperless, passing the savings on to his customers.


gustave anaya's Companies

  		•  Mortgage Capital USA, Inc. 2007 - 2007
    Owner/CEO
    Advise clients on all of their real estate needs ranging from investments to loan modifications. Executive duties related to the operation of a business. Building a strong service business with more than 40 employees in the middle of an economic disaster.

gustave anaya's Publications

  • Introduction to Mortgage Modification: How It Could Help Your Family, Gustave Anaya
    March, 2011
    by Gustave Anaya

    Defined as a permanent alteration of one or more of the terms of a mortgagor’s loan, a mortgage modification can arise for two main reasons: either a lender voluntarily amends the terms of the loan in response to economic hardship on the part of the homeowner, or the government imposes changes on the lenders that force them to alter the terms of existing debts.

    In general, mortgage modifications include adjustments to the homeowner’s monthly payment amount, interest rate, outstanding principal, or the repayment period (also known as the loan term). In addition to a simple interest rate reduction, mortgage modifications can affect the way in which a floating rate is calculated or even change the loan from floating to fixed-rate interest. Other potential alterations result in a reduction in total principal, as well as late fees and other penalties. Moreover, some lenders will agree to tie the monthly payment to a fixed percentage of a household’s income, ensuring that the mortgage payments do not restrict cash flow to the extent that the family can no longer afford to pay for basic necessities. In some cases, shortening the length of the mortgage term can provide significant relief to homeowners.

    In addition to voluntary or compulsory loan modifications, some homeowners may qualify for a federal mortgage forbearance program, such as the Home Affordable Modification Program (HAMP). Established in 2009 by the Obama administration through the Financial Stability Act, HAMP aims to respond to the economic crisis in the United States by assisting between 7 and 8 million homeowners at risk of foreclosure. The program partners with lenders to find appropriate solutions for homeowners via reasonable mortgage modifications. Many organizations have worked with HAMP to offer assistance to struggling Americans, including Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA), and Federal Housing Finance Agency (FHFA).

    Since 2007, Mortgage Capital USA has benefited from the strong leadership of Gustave Anaya. Together with his colleagues, Mr. Anaya strives to serve members of the Hispanic community with a wide variety of mortgage problems. In order to discover whether a mortgage modification might be right for you, you may now wish to enlist the assistance of mortgage experts such as the professionals at American Mortgage USA, Inc.