You’ve just landed on the hidden gem of the western Chicagoland suburbs. This is THE local Wheaton IL & Naperville IL mortgage broker site where I believe you’ll be able to find the best financing program that fits with your own financial scenario and one that comes with the best interest rate available according to the multiple rate determining factors involved for each individual borrower.
You won’t see Current Interest Rates posted here simply because without knowing your FICO score and financial history a posted rate is merely meaningless click-bait. We earn your trust with the Truth.
We provide first time home buyer tips and also the best free to use mortgage calculators out there including a mortgage payment calculator and five other calculators. Look for the Calculators page and check them out!
Plus, there is a page where you can dive deeper and actually compare any current mortgage loan offer you have with what we can offer. If you’re ready to refinance, we can do that too.
My goal is to help you achieve your goals.
Expert guidance and advice from a trusted, local Mortgage Advisor in Wheaton, IL. I’m Joe Bechtold and I put my name behind your trust. Click the button below to begin the exciting journey to reach your goal with confidence.
Information is Golden! We cannot legally post interest rates without also posting disclaimers – you know, all the fine print. Interest rates are based on current market conditions plus the individuals FICO score and credit history. Those combined factors make posting rates online unreliable because rates will vary person to person. Call me, I’ll answer all of your questions and provide solid information you can trust.
PRO TIP: Get Preapproved for your mortgage FIRST! Get Preapproved for your mortgage BEFORE selecting your REA (Real Estate Agent). You need to be preapproved before the REA can show you any homes. Also, during Preapproval, we’ll verify exactly what your safe purchase limit is. We’ll work out your monthly payment according to your financial situation and importantly, you’ll know all this in advance without guessing and you’ll be ready to shop for homes right away.
Click the button below. It takes you directly to a secure page to start the Application Process.
Once there, just complete login registration and you’ll go right to the secure Application for Pre-Approval.
Interest rates are currently around 1 to 1-1/2 percent lower than they were. Many people are refinancing their higher rate to take advantage of a lower rate. Is now a good time for you to look into refinancing? Call and let’s discuss your present situation. There is no pressure and no obligation.
For the discerning luxury home buyer, securing your mortgage loan here means personalized service that you will appreciate. I understand the nuanced financial profiles of high-net-worth individuals who desire confidence and confidentiality. We are your source for tailored jumbo mortgage loan solutions that can include flexible terms, competitive rates, and even asset-based lending to preserve your liquidity and integrate seamlessly with your broader wealth management strategy. We always deliver a discreet and efficient process.
A fixed-rate mortgage offers long-term stability. For home buyers, this means confident financial positioning for your significant investment, and avoiding any market surprises.
Having a consistent payment helps protect buyers from interest rate fluctuations and provides peace of mind.
FHA loans serve more than just first-time buyers. They are crucial for repeat buyers with less-than-perfect credit, offering lenient credit score and debt-to-income requirements. This makes homeownership accessible even with past financial challenges, and the low 3.5% down payment helps conserve cash.
VA loans offer surprising flexibility.
One key advantage is that VA itself doesn’t set a minimum credit score.
Another less-known benefit is the ability of significant seller concessions.
VA guidelines allow sellers to pay veterans loan-related closing costs plus up to 4% of the purchase price in concessions for other expenses, like prepaid taxes or even paying off collections. This feature often dramatically reduces out-of-pocket costs for veterans at closing.