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Your New Front Door is Closer Than You Think.

With a 24-hour pre-approval and expert guidance, Neighborhood Loans makes your dream of homeownership an affordable reality.

Your Path to an Affordable Home Starts Here

At Neighborhood Loans, we are dedicated to clearing the way to your new front door. We combine expert guidance with powerful financial programs to make homeownership not just a dream, but an affordable reality.

Google Rating: 4.9/5 Stars

Trusted by Local Families

28+ Years

Experienced Mortgage Professional

2000+ Families Served

Helping Families Achieve Homeownership

NMLS# 224368

Licensed & Secure

Equal Housing Lender

Committed to Fair Housing

The Neighborhood Loans Advantage

From your first question to closing day, we offer a smoother, faster, and more supportive mortgage experience.

Fast-Track Pre-Approval

Get a decision in as little as 24 hours so you can begin your home search with a confident budget.

Access to Competitive Rates

We save you time and money by shopping multiple lenders to find the best rate and loan for your unique situation.

Zero-Cost Expert Consultation

Sit down with a mortgage professional for a free, no-obligation review of your homebuying options.

First-Time Buyer Specialists

New to the market? We excel at guiding first-time buyers through the process with specialized, low-down-payment loans.

Unlock Thousands with

Illinois Down Payment Assistance

Cook County Down Payment Assistance

Receive up to $25,000 for your down payment or closing costs. This incredible assistance is a forgivable loan after you live in the home for just five years.

IHDA Access Mortgage Programs

Available to both first-time and repeat buyers across Illinois, these programs offer affordable, fixed-interest rates paired with up to $10,000 in assistance for your down payment and closing costs.

Ready to get started?

Your Trusted Advisor

Meet Your Local Loan Expert – Jorge A. Flores

Jorge A. Flores is a seasoned Producing Branch Manager in mortgage lending, with 28 years of experience helping clients achieve their dream of homeownership. Starting his career in 1997 as a Mortgage Loan Originator straight out of high school, Jorge quickly distinguished himself with his strong work ethic, bilingual skills, and passion for community service.

He views mortgage lending not as a job but as a lifestyle, allowing him to connect with clients and make a meaningful impact. Recognized as a 9-time NAHREP Top 250 honoree, Jorge has also been featured on the cover of Who's Who in Real Estate in 2022 and was nominated for Who's Who in Latino Business in 2024. His dedication has opened doors to countless opportunities and lifelong friendships, solidifying his reputation as a trusted and reliable professional.

Jorge's ultimate goal is to establish his Berwyn office as a top-producing branch for Neighborhood Loans while fostering a supportive, family-like culture. He strives to be a leader, mentor, and resource for his team, clients, and partners, ensuring they have the tools and guidance needed for success. The most fulfilling part of his career is seeing the gratitude and joy of clients when they purchase their dream homes, which he views as the cornerstone of his motivation. Through his unwavering commitment to excellence, Jorge aims to continue growing personally and professionally, driven by the strong mindset and passion that have defined his career.

OUR CORE VALUES

Growth Mindset

Transparent

Above and Beyond

Process Driven

Compassionate

Humble

Integrity

Loyal

Nimble

NMLS ID

123456

Phone

(555) 123-4567

Email

[email protected]

Your Mortgage Team

Behind Every Success is a Dedicated Team

Ana Reyes

Client Engagement Specialist

Kayleen Cortez

Set-Up Specialist

Alexis Salas

Mortgage Loan Processor

Start Your Pre-Approval

Fill out this quick form to get your personalized pre-approval letter in 24 hours.

Get Pre-Approved

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Frequently Asked Questions

Why should I work with Jorge?

• 28 years of local lending expertise

• Based in Berwyn, serving all of Cook County

• Offers unique solutions for first-time buyers, investors, and self-employed borrowers

• Access to exclusive down payment grants, including the $25,000 Cook County program

What do I need to get pre-approved?

To get pre-approved, you'll typically need to provide documentation of your income (recent pay stubs, W-2s, tax returns), assets (bank statements), employment verification, and identification (driver's license). We'll also run a credit check with your permission. The exact requirements may vary based on your specific situation.

How long does the process take?

Our pre-approval process typically takes just 24 hours once we have all your documentation. For more complex situations, it might take 48-72 hours. The full mortgage approval process after you've found a home usually takes 30-45 days to closing.

What's the difference between pre-qualification and pre-approval?

Pre-qualification is an informal estimate of how much you might be able to borrow based on self-reported information. Pre-approval is a more formal process that includes verification of your credit, income, and assets, resulting in a conditional commitment from a lender for a specific loan amount. Pre-approval carries more weight with sellers.

Is there a fee for getting pre-approved?

No, we offer pre-approval at no cost and with no obligation. It's a free service we provide to help you understand your home buying options.

Do you work with first-time buyers?

Absolutely! We specialize in helping first-time homebuyers navigate the mortgage process. We offer access to special programs with down payment assistance, competitive rates, and flexible qualification requirements specifically designed for first-time buyers.

I’m self-employed. Can I still get pre-approved?

Absolutely. We offer a Bank Statement Loan Program that uses 12 months of business or personal bank statements instead of tax returns to qualify self-employed buyers.

I want to buy and renovate a property. Can this program help?

Yes! We offer Fix & Flip Loans and Renovation Loans that can be combined with down payment assistance depending on property type and eligibility.

What if I’m an investor or buying a property under an LLC?

We specialize in DSCR Loans (Debt Service Coverage Ratio Loans)—perfect for investors who want to qualify based on rental income instead of personal income.

I don’t have perfect credit. Can I still qualify?

Yes. We work with credit scores as low as 640 for the down payment program, and offers options for borrowers rebuilding credit or with limited credit history.

How do I qualify for the $25,000 Cook County Down Payment Assistance Program?

To qualify, you must purchase a home in Cook County, meet income and credit score guidelines (minimum 640 FICO), and be approved for a 30-year fixed-rate FHA, VA, USDA, or Conventional loan. The program supports first-time and repeat buyers and includes DACA recipients.

The downpayment assistance program can be structured alongside FHA, VA, USDA, Conventional, Freddie Mac HFA Advantage, and Fannie Mae HFA Preferred loans, which can help you stack savings to reduce out-of-pocket costs.

Eligible properties include:
• Single-Family Homes
• Townhomes
• Condos

Have more questions? We're here to help!

Neighborhood Loans

Equal Housing Opportunity

NMLS ID: 222982

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6625 W 26th St, Berwyn, IL 60402