(708) 412-4012
YOUR MORTGAGE
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Get Pre-Approved Today
Get Pre-Approved in 24 Hours – No Obligation
Fast, friendly, and personalized home loan guidance from your local mortgage expert.
4.6 On Google Reviews
25+
Years of Experience
500+
Local Families Served
Our Benefits
Why Homebuyers Choose Neighborhood Loans
Pre-Approval in 24 Hours
Quick decisions so you can start shopping for homes with confidence
Competitive Rates & Options
We shop multiple lenders to find your best rate and loan program.
Free Consultation
No-cost, no-obligation review of your options with a mortgage expert.
First-Time Buyer Friendly
Specialized programs with low down payment options for first-time buyers.
Start Your Pre-Approval
Fill out this quick form to get your personalized pre-approval letter in 24 hours.
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Your Expert Guide
Meet Your Local Loan Expert – Jorge Flores
With over 25 years of mortgage experience, Jorge specializes in helping first-time homebuyers navigate the loan process with confidence. His personalized approach ensures you get the right loan for your unique situation, not just the quickest option.
Jorge is fluent in English and Spanish, and takes pride in making the mortgage process transparent and stress-free for all his clients. His extensive knowledge of local loan programs and relationship with area real estate agents makes him a valuable partner in your homebuying journey.
OUR CORE VALUES
Growth Mindset
Transparent
Above and Beyond
Process Driven
Compassionate
Humble
Integrity
Loyal
Nimble
NMLS ID
123456
Phone
(555) 123-4567
Frequently Asked Questions
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.
Can I buy with a low credit score?
Yes, there are several loan programs available for buyers with less-than-perfect credit. FHA loans, for example, may accept scores as low as 580 or even 500 with a larger down payment. VA and USDA loans also offer flexible credit requirements for eligible buyers. We can help you find the right program for your credit situation.
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.
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..
Have more questions? We're here to help!
Neighborhood Loans
Equal Housing Opportunity
NMLS ID: 222982
Licensed in IL
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