We specialize in helping first time homebuyers navigate their first experience with the mortgage process.  We are located in Will County, but lend anywhere in the Chicagoland area.  We have current clients in Cook, DuPage, DeKalb, Grundy, Kankakee, McHenry, LaSalle, and Will counties -- not to mention the Central and Southern Illinois counties.  We can help you whether your loan is FHA, VA, 203k, Rural Housing, HomePath, Conventional, or Commercial.

 PREAPPROVALS are important! Get a free no obligation preapproval BEFORE you select a Realtor and begin looking at properties.

Transparency.     When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to help you find the loan program that's best for you.  There should never be any surprises in the process, documentation or pricing, during or after the closing.  Communication is the key. Count on your USA Mortgage Loan Consultant to communicate where you are in the process, how long each step will take, what's involved and what you can expect.  If you don't understand something, we'll explain it.  If your loan will be sold after closing, you'll know it well before.  When it comes to your home, there should be no surprises. 

Stability.  In business for over 30 years with experience in mortgage lending nationally, USA Mortgage is committed to serving the financial needs of Chicagoland.  Ours is not a "fly by night" operation that is here today and gone tomorrow.  You can count on USA Mortgage to always be there.  It's our stability that makes it possible for us to offer the depth of products and level of experience.

Knowledge.     Having access to a variety of solutions means nothing if you don't know how to use them.  The USA Mortgage team is not only experienced, but well educated.  All of them are subject to rigorous, ongoing Continuing Education requirements.  You can be confident in your USA Mortgage Consultant's access to solutions and in her ability to pick the right one for you.  If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan!

Clarity.     There is a lot of noise in the market right now.  The media concentrates on the things that scare us while some advertisers yell at us to get us to go one way or the others.  At USA Mortgage, we want you to understand what is happening in the market.  The more you know, the better informed decision you can make.  It's not only our job to help craft the best solution for you, but to ensure you understand why.

Experience.     Our mortgage professionals are experienced.  They have seen real estate, credit and economic cycles come and go.  They don't chase trends or yell from the rooftops.  They calmly, clearly and professionally review your needs and goals, and suggest the finance options that make the most sense for you.  They give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you.

Price Fairness.     Some companies claim to have the lowest rates.  Others promise to have the lowest (or no) closing costs or fees.  The problem with both of these is that it is all tied together.  There are costs associated with documentation and closing, just as there are costs with borrowing money.  More often than not, if a company claims to be the lowest in one, they've raised the other to make up for it.  This is a game we won't play.  We don't post rates and we don't promise to have the lowest anything.  We will promise that your rates and fees will be fair, competitive in the market and that you will understand each and every cost and how it was determined.

Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.