Whether you are buying your first home, moving up, refinancing, or investing in rental property, talking with a Chicago mortgage lender early can make the process smoother. Send us your questions through the form above, and a member of our team will get back to you.
We can help you understand how much home you may be able to afford, which loan programs you may qualify for, what documents you will need, how pre-approval works, and what to expect between application and closing. If you are refinancing, we can talk through your goals, whether that is lowering your monthly payment, changing your loan term, or using your home equity.
To help us respond with useful information, consider including whether you are buying or refinancing, the part of Chicago or the suburbs you are interested in, your approximate timeline, and the best way and time to reach you. Please do not include sensitive information such as your Social Security number or bank account numbers in the contact form.
It can help to review your credit reports and gather recent pay stubs, tax returns, and bank statements. You do not need everything ready to start a conversation, but having these documents on hand can help things move faster once you decide to apply. If you are self-employed, recent business records may also be helpful, and your loan officer can tell you what is needed for your situation.
If you are already working with a real estate agent, let us know. We can coordinate with your agent so everyone stays on the same page about your financing, the deadlines in your purchase contract, and the steps leading up to closing.
If this is your first home, you may have questions about down payments, closing costs, and how the process works from start to finish. We can explain each step in plain language and walk you through first-time home buyer programs that may help make buying more affordable.
Thinking about refinancing? Tell us a little about your current loan and what you hope to accomplish. We can help you compare your options and review estimated closing costs so you can decide whether refinancing makes sense for you.
If you are buying a rental property or adding to a portfolio, let us know the type of property you are considering. Financing for an investment property can work differently than a loan for a home you live in, so it helps to start the conversation early, ideally before you make an offer.
If you want to see what you may qualify for, complete our pre-qualify form, or explore our mortgage loan options to learn about fixed rate, FHA, VA, USDA, jumbo, and rehab loans. As a Chicago mortgage lender, we can also help you factor in local considerations such as Cook County property taxes and condo association requirements when you plan your budget.
Contact or visit Simply Financial Inc today to explore the possibilities of investment property loans. We’re dedicated to simplifying your path to building your real estate portfolio with professionalism, helping you turn your investment aspirations into reality.
