Reviews From Real Estate Agents
Here are Google reviews from local REALTORSⓇ that have loved partnering with Pinelopi on their client's home buying process.
Mortgage Loan Types
There are many types of mortgage loans, based upon the unique needs and circumstances of the loan recipient. In all cases, the first step is to determine loan eligibility which begins by completing a pre-approval application.
These loans are backed by private lenders, and their terms and conditions are set by the lender. Conventional loans typically require a higher credit score and a larger down payment compared to government-backed loans, but they can have more flexible terms and might not carry certain types of insurance premiums.
Conventional Loans
These loans are backed by private lenders, and their terms and conditions are set by the lender. Conventional loans typically require a higher credit score and a larger down payment compared to government-backed loans, but they can have more flexible terms and might not carry certain types of insurance premiums.
FHA Loans
These loans are backed by the Federal Housing Administration, and are designed to assist homebuyers with lower credit scores and minimal down payments. However, these loans come with prescribed limits, varying by region. Furthermore, the property being financed must meet specific safety, security, and structural integrity standards, necessitating an FHA-compliant appraisal.
USDA Loans
A USDA home loan is a specialized mortgage program provided by the United States Department of Agriculture (USDA) to aid potential homeowners in acquiring properties in rural and semi-rural areas. The primary aim of this program is to foster growth and homeownership in areas that are less densely populated, helping to stabilize and develop these communities.
Veterans' (VA) Loans
This mortgage loan is backed by the U.S. Department of Veterans Affairs (VA). Its primary purpose is to help veterans, servicemembers, and eligible surviving spouses become homeowners. While VA Home Loans are issued by private lenders like banks and mortgage companies, the VA guarantees a portion of the loan.
Mortgage Refinancing
Refinancing a home mortgage means you’re trading in your current mortgage for a newer one to lock in better interest rates and/or lower payments. You can also use a cash-out refinance to make use of your home’s equity to fund home improvements or other expenses. A refinance could also be used to remove or add a person to the mortgage, in the case of a divorce or marriage.
Mortgage Calculator
Fill in your estimated mortgage amount, down payment, interest rate, and length to give you an idea of monthly payments, payoff date, and other helpful information.
(Used to provide estimates, only)
“I couldn’t be happier with the exceptional service provided by Pinelopi. Her expertise, professionalism, and dedication to finding me the best rates made the home buying process a breeze. She was with me every step of the way from start to finish line.”
- Kubanych from Palatine
“Pinelopi was able to help us get our house refinanced when no other lender could help us. She also was able to get a good loan amount for us when no other lender could. Pinelopi takes on a task and works until completion. She will be our "go to" girl for all our future mortgage needs.”
- Jane from Hoffman Estates
Loan Pre-Approval Check
See if you're qualified for a mortgage loan.
See if you’re pre-approved for a mortgage loan by answering a few basic questions.
Fill out this simplified application (it takes about 10 minutes to complete) and we’ll contact you quickly to discuss next steps. In some cases, we can get your pre-approved on the same day.
“If you are looking for the personal touch and for someone to truly care about you during the loan process look no further than Pinelopi. I am truly grateful that she came into our lives when she did.”
— Kathryn N. from Fox Lake
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