Whether buying your first home or refinancing your existing mortgage, you’ve come to the right place. As licensed Chicago mortgage brokers with over 18 years of experience in residential, commercial, and construction lending we’ll finance your real estate expertly for you — no compromises, no surprises, and no hidden costs.

Over the past two decades, we’ve brokered thousands of mortgage transactions in the greater Chicago metropolitan area, providing our customers with impartial advice, the lowest negotiated rates, and the best financing terms.

We are committed to helping you find the loan product that best suits your needs based on your circumstances. Are you ready to work with a mortgage broker who’ll take your Chicago lending experience to the next level?

Why choose to work with a mortgage brokerage in Chicago?

Obtaining a low-rate mortgage on favorable terms is a stressful and confusing process, no matter if you’re a first-time buyer or an experienced investor. The rates keep changing daily and the lending guidelines and policies frequently adjust to accommodate the everchanging Chicago real estate market.

In other words, without the right analytical tools or specialized knowledge, it is almost impossible to adequately compare two different loan products, not to mention comparing numerous offers from multiple lenders.

If this wasn’t problematic enough, mortgage underwriting often becomes complex, ambiguous, and stressful, leaving most borrowers lost and anxious to be done.

That’s why, according to consumerfinance.gov, as many as 50% of consumers fail to shop around before applying for a mortgage in Chicago, while 37% apply with just one lender!

Don’t put yourself at such a disadvantage!

Do not entrust the financing of your home — one of the most impactful financial decisions of your life — to a single lender that has a conflicting interest!

Working with a highly-skilled mortgage broker in Chicago gives you the edge when it comes to financing your real estate. A good mortgage broker will help you compare all the relevant financing programs from all the lenders available in your area, review and analyze the financing terms in detail, and ultimately help you decide on the option that’s the most favorable and beneficial to you, your family, and your current financial objectives.

What’s the difference between mortgage brokers and Chicago retail lenders?

There are three main characteristics that differentiate Chicago mortgage brokers from retail banks:

Choice > Mortgage brokers work with multiple lenders and offer numerous loan products.

While a typical monoline lender might feature a couple of mortgage products, a good Chicago mortgage broker will have access to dozens of lenders and a multitude of financing options for any given scenario. Many of these programs are niche mortgage programs available through wholesale lending only, which means they’re not offered by any retail branch in Chicago.

And since not all mortgage lenders follow the same lending guidelines and underwriting policies, an experienced mortgage broker will know where to take the loan to increase the likelihood of closing the transaction, reduce the hassle, and expedite the underwriting times for the customer.

Pricing > Mortgage brokers have access to better-priced loans with lower closing costs.

Mortgage pricing is dynamic and depends on many factors, such as the underlying risk profile, the federal funds rate, the secondary mortgage market, and current demand in real estate.

This means that the interest rates and closing costs vary significantly across different mortgage lenders.

And just like understanding which lender will ensure the highest probability of closing a loan, a good mortgage broker will also know which lender currently offers the lowest interest rates and closing costs on any particular mortgage type in Chicago. This is in addition to other pricing incentives, such as earned loan volume discounts or being considered a preferred Chicago mortgage broker.

Unlike in retail banking, wholesale lenders pay brokers for closed transactions only. There are no fixed salaries to be paid and no office overhead to cover. Therefore, borrowers who chose to work with a mortgage broker generally enjoy lower overall borrowing costs, including lower interest rates and closing costs than when financing their mortgage through a retail bank.

Advice > Mortgage brokers provide comprehensive mortgage guidance and assistance.

When borrowers or real estate agents seek solutions to complex property financing scenarios they turn to mortgage brokers for help and advice. That’s because mortgage brokers are qualified and licensed professionals who specialize exclusively in real estate financing. Unlike retail bank representatives, mortgage brokers do not open checking and saving accounts, or provide any other financial services, like selling life insurance, or credit cards.

And that’s a good thing because complex problems are best solved by qualified specialists rather than by generalists. You wouldn’t entrust a family doctor with an open heart surgery now, would you?

Without a doubt, an experienced and well-connected Chicago mortgage broker will ensure the highest success rate when financing real estate transactions in Chicagoland metropolitan area and make a big difference when it comes to negotiating better interest rates and more favorable mortgage terms on both purchase loans and refinance transactions.