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Chicago IL FHA Home Loans & Mortgages

There is a reason why FHA Loans are quickly becoming one of the most popular loans for those looking to buy or refinance a home – because it’s the most flexible loan The Home Loan Expert provides! The FHA Loan is easily becoming our favorite loan as well for that very reason. Breaking out into the housing market is not an easy feat for anyone – not even the most seasoned homeowner, but we at The Home Loan Expert in Chicago are here to show you just how simple it is to find yourself in the home of your dreams by using an FHA Loan.The Home Loan Expert is an FHA, directly endorsed and approved lender from the Department of Housing and Urban Development. Our extensive expertise and understanding of the Chicago housing market is not something many lenders share. Let us walk you through the basics of the FHA Loan so you can decide if it’s the right choice for you. In fact, 1 in 5 homebuyers choose an FHA Loan to help finance their home.

With an FHA Loan:

  • Rates are typically lower than a Conventional Loan
  • You can use it to purchase a condo, a single-family home, or a 1-4 unit property
  • You will receive one month without mortgage payments

In addition, you can cash out up to 85% of your home’s value and refinance up to 97.75% of your home’s value. Currently, loan amounts in Chicago are as much as $365,700 for single-family homes and $703,250 for a 4-unit home.

Where should my credit score be for an FHA Loan?
The Home Loan Expert can approve your FHA Loan with a credit score as low as 580. We can even give you a down payment as low as 3.5%! We will always do whatever we can to make sure your costs and rates are as low as they can possibly be. For us, there’s no other way!

Not all lenders can match the speed, service, and security that The Home Loan Expert provides. We offer same day pre-approval and one point of contact from your pre-approval to the release of the loan so you don’t have to jump from agent to agent for information. The Home Loan Expert can close your loan in as little as 14 days! Our team will endlessly walk you through the lending process to ensure we close your loan in a timely manner. Our face-to-face approach to customer service is just another way for us to make you feel calm, cool, collected, and confident. While you search for your new home, remember; not all lenders offer the same costs and interest rates on the same FHA Loan, so call The Home Loan Expert in Chicago today!

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


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.

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

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

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.


Best Loan Conditions for Ideal Situations
Pay Off High Interest Debt
Flexible Loan Qualification Guidelines With Attractive Rates
Refinance Without An Appraisal
Work With A Trusted Lender On High-Dollar Loans
Zero Down Payment Specialty Loan For Veterans and active Military
Loans For Self-Employed and Business Owners
More Info
Find The Best Loan For You

Speak with an expert:
(800) 991-6494
Speak with an expert:

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Mortgage Terms to Know
Mortgage Terms to Know

Sometimes people in every business forget that not everyone knows the lingo of their industry.  Since mortgage people are immersed…

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