Illinois Mortgage Services

• No Money Down
• 65% Debt-to-Income Ratio
• Credit Scores from 580
• Automated Approvals
• First-Time Home Buyer Programs

Income Qualifiers:

• No Ratio Loans
• No Documentation Loans
• Bank Statement Verification
• State Income Loans
• 1099 Income & Self-Employed Approval
• Combo Loans
• 465 Credit Scores & Higher
• One-Day Self-Employed Approval
• Pre-Approval Letters
• Credit Repair
• No Private Mortgage Insurance (PMI) Options
• Free Credit Scores
• For Sales By Owner (FSBO) Assistance
• Conforming
• Alt-A
• Subprime
• No Money Down
• Imperfect Credit Programs
• No Income Verification
• No Asset Verification
• No Closing Cost Programs

Loan Products:

• 30, 20, 15, & 10 Year Fixed
• 10/1 ARM, 7/1 ARM, 5/1 ARM, & 3/1 ARM
• Hybrids: 1, 2, 3, 5, & 10 Year Fixed
• Jumbo
• Super Jumbo
• Interest Only
• Option ARM
• Reverse Mortgage
• Fixed Home Equity Loans
• HELOC
• Flexible Payment Options
• Fast Process Programs
• Quick Close Options
• 30-Year Commercial Loan Closings
• No Prepayment Penalty Options

Types of Properties:

• Single Family Residence
• Condominium
• Town Home / Townhouse
• Mixed Use Property
• High & Low Rise Condo
• Multiunit-Unit

Refinances / Refinancing:

• Rate & Term
• Refinances To Lower Rates
• Cash Out Refinances
• Debt Consolidations
• Chapter 13 Buyouts
• Foreclosure Buyouts
• Home Improvement Loans
• 1-Month Payment Deferrals For All Closings

Commercial Loans:

• Construction
• Land Loans (whole subdivision land up to $10 million)
• Building & Development Loans
• Up to 90% Financing