Expertise.com

Best Mortgage Brokers in Cicero

2024

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Providers

Last updated:

Website
948 W Madison St, Chicago, IL 60607
  • Refinance

Why choose this provider?

E-Finance Mortgage & Real Estate LLC provides banking and financial services to customers in Cicero and nearby areas. It helps real estate buyers identify the loan programs that fit their needs. It also provides mortgages for self-employed borrowers, allowing them to purchase primary homes and investment properties or refinance an existing home. Additionally, it offers credit repair services and life, health, home, and auto insurance policies. The firm was established in 2013 and is licensed in 11 states.

License Verified:

License: 969958

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (66)
Facebook
5.0 / 5 (37)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6847 Cermak Rd, Berwyn, IL 60402
  • Refinance
  • New Construction

Why choose this provider?

KeySmart Mortgage Company is a veteran-owned business that serves borrowers and Realtors in Cicero. It offers different options for mortgage loans, including conventional loans through the Freddie Mac and Fannie Mae systems. It also helps clients refinance their mortgages to get lower interest rates and monthly payments. KeySmart Mortgage Company was founded in 2019 by William Jaramillo, who has been a loan officer since 2001. Its team has over 40 years of collective industry experience.

License Verified:

License: 1833870

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (112)
Facebook
5.0 / 5 (50)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Chicago, IL 60601
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Jordon Yates helps clients in Cicero choose loan types based on their short- and long-term goals. He is a loan officer at i3 Lending Inc. and has more than 18 years of mortgage industry experience. He has access to various loan products, such as FHA, VA, jumbo, and reverse mortgages, from over 30 different investors. Yates sends updates to clients to keep them informed throughout the loan process. i3 Lending Inc. extends its services to Alabama, New Jersey, Florida, and Michigan residents.

License Verified:

License: 272722

Nationwide Multistate Licensing System and Registry

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10555 W. Cermak Rd, Suite 2, Westchester, IL 60154
  • Refinance

Why choose this provider?

Chicago Home Mortgage Services addresses the real estate needs of residents in and around Cicero. It assists families and individuals in navigating the home buying process and helps them process different types of mortgage programs. The company offers fixed- and adjustable-rate mortgage options tailored to clients' property goals. Its team guides borrowers in preparing the necessary documents, such as purchase agreements, MLS sheets, and W-2 forms. President Renato Ricchio has been a loan officer for over two decades.

License Verified:

License: 283361

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (165)
Facebook
5.0 / 5 (27)
Yelp
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4415 West Harrison Ave, Hillside, IL 60162
  • Reverse Mortgages

Why choose this provider?

Liberty Mortgage provides various financial solutions to borrowers in Cicero. It offers ITIN, Harp, rehab, FHA mixed-use, and reverse mortgages. It has investor loan programs for those with one to four units and those with five units and up. Fix and flip loans are available. Additionally, the company has a special program for those who want to build homes or offices made from shipping containers. Liberty Mortgage assists clients seeking bargains with a searchable database of homes for sale, including foreclosures.

License Verified:

License: 1807234

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6501 W Archer Ave., Chicago, IL 60638
  • Refinance
  • New Construction

Why choose this provider?

Evelyn Hernandez Camacho serves clients in the Cicero metro and the surrounding areas. She assists homebuyers, and high-net-worth, low to moderate-income, self-employed, and investment borrowers. She offers FHA, conventional, USDA, DACA, and VA loans. In addition, she caters to clients who have a credit score of at least 580 and those who have been out of a short sale and foreclosure for three years. Evelyn has been in the mortgage industry for more than 15 years.

License Verified:

License: 1644031

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (21)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14930 S Cicero Ave., Oak Forest, IL 60452
  • Refinance

Why choose this provider?

Pacor Mortgage is a banking company that deploys homeownership programs in the Cicero metro. It creates mortgage solutions for homebuyers eligible for low down payment programs, borrowers planning to refinance, and those with nontraditional credit. The company delivers funding options for home construction and renovation and senior homeowners. It provides products such as the City of Chicago Infrastructure Trust Grant Program and USDA Locks. It has been in business since 1986 and also serves Wisconsin, Maryland, and Michigan.

License Verified:

License: 120945

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.8 / 5 (14)
Google
5.0 / 5 (7)
Yelp
3.0 / 5 (2)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6821 W North Ave #201, Oak Park, IL 60302
  • Refinance

Why choose this provider?

Mortgage Resource Group helps locals in Cicero find mortgage loans that fit their specific financial circumstances. This independent mortgage broker maintains affiliations with numerous lending companies in order to provide clients with a wide range of options. These include loan programs with VA, FHA, and Freddie Mac. The team also helps individuals refinance loans after major life changes, such as inheritances, marriages, or divorces. Mortgage Resource Group was established in Chicago in 1989. The company eventually expanded to the Tennessee market in 2015.

License Verified:

License: 207793

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.6 / 5 (12)
Yelp
5.0 / 5 (9)

Website
Chicago, IL 60601
  • New Construction

Why choose this provider?

KNA Mortgage Brokerage is an Illinois-based brokerage company that assists clients in and around Cicero with purchasing the best loans for their needs. The company offers its expertise to clients looking into financing primary or secondary homes while educating them on multiple loan options, rate and term financing, cash-out, grant programs, and challenged credit. Its owner Keayna Washington is a member of AIME and has been in the residential mortgage banking industry for eight years.

License Verified:

License: 2316039

Nationwide Multistate Licensing System and Registry

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.5
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6231 W Roosevelt Rd, Berwyn, IL 60402
  • Refinance

Why choose this provider?

Guaranteed Financial caters to people throughout the Cicero metro, educating aspiring homeowners on the process of qualifying for various mortgage programs. These solutions include conventional and jumbo loans, as well as FHA and VA mortgages. The company also provides specialized loans to help self-employed borrowers, foreign nationals, and real estate investors acquire properties. Its president and founder, Jonathan Ortega, holds an MBA in finance and has been in the industry for more than a decade.

License Verified:

License: 280317

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (33)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2911 S Harlem Ave, Berwyn, IL 60402
  • New Construction

Why choose this provider?

Opal Chicago, Inc., provides home financing solutions for homeowners and home buyers in and around the Cicero area. Its mortgage advisor, Beata Babel, has access to various lenders. This allows her to find mortgage programs that suit clients' different needs. She assists them throughout the process, from pre-approval to closing. Babel also caters to clients' refinancing needs, helping individuals looking to access their home equity. She serves residents in multiple states, covering South Carolina and Florida.

License Verified:

License: 2013447

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Website
6705 26th St., Berwyn, IL 60402
  • Refinance

Why choose this provider?

American Financial Solutions helps clients in Cicero with their mortgage needs. It assists them in going through the entire loan process, from deciding how much they can afford and completing pre-qualification to submitting the application and handling the funding. It has experience with different kinds of mortgages, including VA and FHA. Additionally, it provides clients with online resources on topics like debt-to-income ratios and rate lock periods. Owner Brett Decker has over 17 years of experience in the mortgage industry.

License Verified:

License: 222605

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (34)
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.