++We offer a free, no obligation consultation to assess your home financing needs. As a mortgage broker, I’m not bound by one set of banking products. I have access to over a dozen different lenders offering a wide variety of loan products. After assessing your financial needs, I will present the relevant options so you can make the best choice for you and your family.++What we do:-Conventional Financing – we can offer loan programs as low as 3% down and fixed terms from 10, 15, 20, 25 and 30 years. Additionally, we have Adjustable Rate Mortgage (ARM) products from 3, 5, 7 and 10 years with a variety of index features. If you have less than 20% down payment we offer several options for private mortgage insurance (PMI) including lender paid mortgage insurance (LPMI) which can save you hundreds on your monthly payment.-FHA Financing—a great choice for first time home-buyers and those with challenged credit. The FHA program offers excellent interest rates, generous debt to income ratios and down payments as low as 3.5%. -VA Financing – Exclusively for veterans, VA loans are the perfect financing option to buy your new home. Features include 100% loan to value, flexible credit scores, great interest rates and no monthly PMI.-Jumbo Loans – Jumbo Financing is for loan amounts above the conforming loan limit ($453,100 in IL). I can offer competitive Jumbo Fixed and ARM rates with as little as 5% down. High loan amounts can be obtained up to $2 million.-Portfolio Lending – As a mortgage broker, I have access to private sources of financing not available to many big box banks. -Refinances – During the course of homeownership, there may be times where it is equitable to refinance your home loan. My goal is to present you with several options so you can make the right choice. We have programs to assist with cash out for consolidating higher interest debts, fund college, payoff student loans or even access home equity to make home improvements.