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Conventional Loans

If you’re thinking of buying a home in Chicago, you’re probably saddled with a variety of financial questions right now. Chicago is a gorgeous city to call home, offering a variety of neighborhoods with their own individual character. The last thing you want to worry about is if
you’re using the right loan for your specific home buying situation. If you’re looking for a loan that’ll save you money and capitalize from your good credit score, then look no further than a Conventional Loan.

Chicago Conventional Loans

Conventional Loans are always ready to adhere to your unique requirements, coming in with both fixed and adjustable rates up to 453,000 in most Chicago-based markets. For the higher costing areas, you can find one for even higher, depending your credit score. Known for being very competitive when it comes to rates today, Conventional Loans range from five to thirty years in terms.  With a Conventional Loan, you can cash out up to 80% of your home’s value, receive same day pre-approval, and go a month without mortgage payments. Who doesn’t want that?

Other Conventional Loan benefits include:

  • Debt to income ratios up to 50%
  • Compatibility with condos, single family homes, up to 1-4 unit properties
  • Acceptance with a credit score down to 620
  • First-time home buyer programs with as little as 3% down payments
  • Options with, as well as without, escrows or impounds

And the list goes on. Conventional Loans can be used for purchases, rate and term refinances, as well as cash out refinances. Talk about versatile! Additionally, they can be used for primary, secondary, or investment properties, offering options with NO PMI – even without the pesky up front large payment.

The Home Loan Expert Chicago Conventional Loans

We understand the value of Conventional Loans here in Chicago, which is why we move quickly with these specific types of loans – a luxury you won’t find with big banks today. You can count on us to process, close, and underwrite the loan, all done in-house with you in mind. We’ll work around the clock to secure you the Conventional Loan you deserve, with your future here in Chicago brightly ahead of you. Above all, we make the process totally easy, from start to finish.

For more information, contact us today:

Ryan Kelley The Home Loan Expert
Chicago Mortgage Company
1913 West Diversey Avenue
Chicago, IL 60614
(773) 770-4727

See how much we can save you on your new Conventional Loan.

Why Choose The Home Loan Expert

Mortgage Company

Customer Service

Our customer first approach to mortgages is what separates us from all of the other banks and mortgage companies. Our team will walk you through the process to ensure that your loan closes in a very timely manner. Our competition may think our philosophy on face-to-face customer service is excessive but our clients sure do appreciate it.

New Home Purchase

We Are The Experts

Our team has set the standard in the mortgage industry. We hire only the best in the business. Our knowledge and experience is unmatched. We continue to train and study new mortgage loan programs to make us the best choice for mortgage refinancing and home purchases, debt consolidation, Conventional, FHA, HARP, VA, and Jumbo Loans available.

Better Home Loans with Lower Mortgage Rates

Better Home Loans with Lower Mortgage Rates

We provide you with several different mortgage loan options to ensure that you find the mortgage loan program that best fits your needs. Because of the volume of mortgage loans our team closes and the great relationships we have forged within our industry, we’re able to offer the most competitive mortgage interest rates to our clients.

We Are Mortgage Lenders, Not Mortgage Brokers

We Are Mortgage Lenders, Not Mortgage Brokers

As a direct mortgage lender, our process has been streamlined from start to finish. Having the entire mortgage loan process contained under one roof allows us to quickly and efficiently close your loan. Our ability to use the newest mortgage loan products and underwrite our own files, allows us to approve loans that our competitors can’t.

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"Being a Business Owner is About
More Than Just Bottom Lines."

“Running The Home Loan Expert is two jobs in one.  On one side, I lead our team who help customers fulfill their home ownership dreams. On the other hand, I organize and put forth a lot of time in to giving back to the communities that we serve. Whether it is donations, sponsorship, climbing Mt. Rainier, marching in the desert, stepping in the boxing ring, or donating my time, I do whatever I can to help those in need. The Home Loan Expert understands that, without our local community, we can’t be successful, that’s why we believe giving back to those who have helped us build our business is so important.”

-Ryan Kelley, Founder of The Home Loan Expert

Saint Louis Mortgage Company

Illinois HQ 1913 West Diversey Avenue Chicago, IL 60614

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