sweethome.loans

You just found the gem of Chicagoland’s western suburbs for providing you with multiple loan options from many lender choices.

This is your local mortgage site for Elmhurst, Geneva, Naperville & Wheaton, IL, and of course all the nearby surrounding areas, where you’ll find THE financing program that stands out to fit your personal financial scenario. You will find the Truth about mortgages right here!

I earn your trust with my full commitment to the Truth. I am a down-to-earth person, nothing shiny or plastic about me. I don’t have a fast-talking truth bending sales pitch promising what I cannot deliver.

I provide factual information and I’m happy to answer any questions you have. You’ll find me to be reliable and almost always available either in person or by phone, email or text message. I return calls and reply to email and text messages promptly.

For first time home buyers there are tips here and there and there is a pull down menu with six great mortgage calculators. Check them out!

Plus, there is a page where you can dive deeper and actually compare any current mortgage loan offer that you’ve received with what I can offer. I work on the broker side which means I have over 160 wholesale residential, jumbo, investor and commercial lenders that I work with. With that many options, chances are very good that I can find a solution for your mortgage scenario. If you’re considering a refinance, I can do that too.

Always being truthful, discussing strategies and providing great options to help you achieve your financial goal is what I do.

Mortgage Loans: Wheaton, Geneva, Naperville, Elmhurst, IL

Expert guidance and advice from a trusted Mortgage Strategist located in Wheaton, IL. My triangulated local area is Geneva, Naperville and Elmhurst, IL however I’m licensed in the State of IL and can close loans throughout the state.

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.

Geneva, Elmhurst, Wheaton, Naperville IL Fixed Mortgage Rates

Information is Golden! Interest rates are based on current market conditions along with an individuals FICO score and credit history.

Those combined factors make posting rates online unreliable because rates will vary person to person according to their own history.

Call, email or text me. I’m very responsive and I’ll answer all of your questions providing information you can trust.

First Time Home Buyers Tip

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.

Mortgage Pre-Approval: Geneva, Naperville, Elmhurst & Wheaton IL

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.

Refinances are picking up!

Interest rates are somewhere around 1 to 1-1/2 percent lower than they were. Many people are refinancing and taking advantage of the current lower rate to finally do that home renovation or addition or else pay off very high interest rate credit cards with a much lower mortgage interest rate.

Is now a good time for you to look into refinancing? Call today and let’s walk through your present situation. You’ll gain the information you need to make an informed decision. There is no pressure or obligation of any kind to find out if refinancing now is right for you.

Loan Programs

Jumbo Mortgages! Elmhurst, Geneva, Naperville, & Wheaton, IL areas

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.

APPLY NOW!

Conventional Fixed Rate Mortgage

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.

CLICK HERE TO APPLY NOW!

FHA Mortgage

Beyond First-Time Homebuyers: Who Benefits from FHA Loans?

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

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.

My Mortgage Strategies: Personalized Home Financing Solutions