What makes me different? 

EXPERIENCE: Well, for starters, I have 17 years experience in the mortgage industry.  I'm located right here in Illinois...not in Texas or California or India...but right here as your neighbor.  I've lived in Chicago and the suburbs my entire life and my family and I now live in Orland Park, Il

EXPERTISE:  I've helped literally thousands of people either purchase their dream home or refinance into a lower rate.  I know the business and what to look out for.  I can anticipate any possible speedbumps ahead of time and plan for them so we can avoid the problems and delays that you may have experienced in the past.  I am licensed by the states of Illinois and Indiana and authorized to do Conventional, VA, USDA, & FHA mortgages.

COMPASSION:  I care.  My business, my livelihood, my family's future and their security depend on me making your purchase or refinance experience THE BEST you've ever had.  Read the testimonials below...my clients actually enjoy the process!!!

Give me a call or email me...you will notice the difference from the very first call.  Call now for a no cost, no obligation prequalification. 

708-975-8884 or email me at ncoleman2020@comcast.net

I specialize in residential lending.  Homes for people just like you.  Here's what I do:

Purchases:

I can make the process easy and painless and get you into your new home on time and stress-free.  Doesn't that sound good?  I specialize in conforming loans (FNMA /FMAC), FHA, and VA loans up to 100% (with no mortgage insurance) of the purchase price of your new home.

Buying a fixer-upper?  I can show you how to finance your repairs and even your appliances with your mortgage with a 203K loan.  New floors, new cabinets, new kitchen...all at the same low rate as your mortgage.  Pretty cool, huh?

Refinances:

Refinance into a lower rate and possibly pay off some of your high interest credit card debt and eliminate your monthly mortgage insurance payment.  What could you do with an extra $300-$400 per month?  A lot, I bet!

Want to remodel your current home?  You can refi into a low, fixed rate 203K loan and finance your new kitchen or family room at the same low rate as your mortgage.  No more putting everything on that high interest credit card...we've all had enough of that, haven't we?

I work with a direct lender.  There is no middle man.  What that means to you is I have access to the lowest rates available, passed on to you.  You can choose the program that makes sense for you, knowing you are getting some of the lowest rates available. 

So even if you've been told "NO" somewhere else, give me a call.  I can help you purchase your new home or refinance even if you've had a bankruptcy or foreclosure and some spotty credit in your past.  I've helped people with credit scores as low as 580 and as high as 850!!!

Named "Best Loan Officer 2016 - Community Bank" by the Illinois Mortgage Bankers Association