Low Rate, Low Cost Mortgage Programs for a Wide Range of Lending Needs.

We can assist you with your home loan needs, including:

  • First-time purchase, second homes and refinance
  • Conventional loans
  • FHA loans
  • VA loans
  • 203(k) Renovation
  • HomePath® REO Financing
  • Jumbo loans

As a licensed Loan Originator in Illinois, Mariusz welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Mariusz and his team has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Mortgage Programs Spotlight

Conventional Loans

  • Minimum FICO 620 *
  • Minimum down payment 3% *
  • Eligible 4 years after Chapter 7 or 11 Bankruptcy *
  • Eligible 4 years after Pre-Foreclosure or Foreclosure as part of Chapter 7 Bankruptcy *
  • Owner Occupied and Investment purchases and cash-outs *
  • Lender paid MI (Mortgage Insurance) available  *
  • First Time Homebuyers Welcome! *
  • Programs: 15, 20, 25 and 30 year fixed and 5/1 ARM *
  • We accept appraisal transfers from other lenders! *

* Additional terms and conditions apply

FHA Loans

  • Owner occupied purchases and cash-outs! *
  • Minimum FICO 580 *
  • Minimum down payment 3.5% *
  • Eligible just 2 years after Chapter 7 or 11 Bankruptcy *
  • Eligible just 1 years after Chapter 13 Bankruptcy *
  • Eligible just 3 years after Foreclosure *
  • No appraisals or income documentation required for rate-term refinances *
  • First Time Homebuyers Welcome! *
  • Programs: 15, 20, 25 and 30 year fixed and 5/1 ARM *
  • We accept appraisal transfers from other lenders! *

* Additional terms and conditions apply

Back-to-Work (FHA) Program

  • Eligible just 12 months after foreclosure, short sale, deed-in-lieu of foreclosure, bankruptcy *
  • Minimum FICO 600 *
  • Minimum down payment 3.5% *
  • Programs: 15, 20, 25 and 30 year fixed and 5/1 ARM *
  • We accept appraisal transfers from other lenders! *

This program gives borrower(s) a unique opportunity to enjoy homeownership just 12 months after a major derogatory event, for as long as they:

  1. Have reestablishing their credit
  2. Can provide evidence that a hardship experienced lead to a 20%+ decrease in income for a period of at least 6 months
  3. Can provide evidence of full recovery from the event

More information available at: backtoworkprogram.org
* Additional terms and conditions apply

HARP Refinance Loans

  • Eligible up to 175% Loan-to-Value (Unlimited CLTV) *
  • Minimum FICO 620 *
  • Programs: 30, 20 and 15 Year Fixed Options *
  • Appraisal waivers accepted for many properties! *

More information available at: HARP Refinance Program
* Additional terms and conditions apply

Feel free to contact Mariusz by phone or email for personalized service and expert advice. Mariusz will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.