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CPS Teacher Housing: Home Buying
Premier Lender Partners
A and N Mortgage Services, Inc
(
www.AandNmortgage.com
)
A and N Mortgage Services has been an A+ rated business by the Better Business Bureau for seven consecutive years. A and N is both a banker and a broker, they have a large range of mortgage products (see below), and they offer complimentary educational programs to members of the real estate community. Their products include: the asset utilization loan program, conventional and jumbo loans as well as FHA & VA (FHA direct endorsers). As a Credit Union Specialist A and N can offer reduced PMI rates that are approximately 30% less than what banks can currently offer. As a mortgage banker A and N controls the closing, loan documents, and funding for each loan, and as a broker they have access to condo financing for non-warrantable condos. A and N's in-house marketing department hosts complimentary education seminars for both home buyers and realtors and supports local events and charities. A and N Mortgage Services exists to serve their community. A and N Mortgage Services, Inc. The Extraordinary. Made Ordinary.
A and N offers:- One-on-one Financial Counseling
- FHA/VA/Conventional/JUMBO Loans Available
- FHA 203k Loans for Rehabbing Properties and Free Seminars
- Access to grant programs and IHDA down payment assistance
- TaxSmart approved
- Great location off the Kennedy and Free Parking
Office Location: 1945 N. Elston, Chicago, IL 60642
Contact:
Neena Vlamis
at
773-305-7037
(cps@aandnmortgage.com)
for availability.
Side:
North, South, West, Northwest, Southwest, Southeast, Loop
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Blueleaf Lending
(
www.Blueleaflending.com
)
Blueleaf Lending is a boutique mortgage lending firm created to serve individuals embarking on the most significant financial decisions of their lives. However, Boutique does not mean small! Blueleaf Lending is a full-service lending institution with a full menu of lending products including Conventional, FHA, VA, Rehab and commercial loans, all with fully competitive rates and closing costs. At Blueleaf, you can expect the professional expertise needed to guide you through the process delivered with the personal service that you deserve. Please call for a no- obligation pre approval today.- TaxSmart Approved
- Conventional, FHA, VA, Commercial and Property Rehab loans available
- Reduced closing cost options available
- Fannie/Freddie Direct seller means extremely competitive
- rates After hour appointments available
Debra Parisian VP of Residential Lending 1101 W. Lake Street 1st Floor Chicago, IL 60607 312-379-8875
Contact:
Debra Parisian
at
312-379-8875
(dparisian@blueleaflending.com)
for availability.
Side:
North, South, West, Northwest, Southwest, Southeast, Loop
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Chase Home Finance
(
mortgage.chase.com
)
At Chase Home Finance, we're always looking for ways to help more people enjoy the rewards of home ownership. Our goal is to make buying a home a possibility for more families. Our Affordable Home Financing programs are specially designed for homebuyers who may not have a lot of cash and whose income does not exceed certain local guidelines.
More Advantages: - Minimal down payment and closing costs
- Special pricing and grant opportunities may be available
- Flexible credit guidelines, which take into consideration your
- Outstanding debt and on-time payment history
- Special counseling to help you plan for your financial responsibilities as a home owner
Email ladonna.k.reed@chase.com for more information.
Contact:
LaDonna K. Reed
at
312-732-3990
(ladonna.k.reed@chase.com)
for availability.
Side:
North, South, West, Northwest, Southwest, Southeast, Loop
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Fifth Third Bank
(
www.53.com
)
Fifth Third is bringing the dream home for working families by offering more flexible options than ever before. Flexible financing, flexible sources for closing costs and down payments, and flexible credit references. With the wide range of mortgage products and initiatives available, the right mortgage can bring the dream home. - Fifth Third Suite of Home Possible Mortgages: Helps working families purchase their own homes, increase their wealth and off-set housing expenses with rental income.
- Fifth Third Good Neighbor Loan Program: Features no money down and accepts alternatives for closing costs and credit references.
- Fifth Third Immigrant Homeownership Loan Program: Tailored to U.S. tax-paying, foreign-born residents living in the Midwest.
- Fifth Third Homeownership Mobile: Offers customers the chance to talk to mortgage and banking officers in a rolling, internet-connected classroom.
- Access to Down Payment Assistance Programs: Connects homebuyers with non-profit organizations that can help with down payment and closing costs.
Contact:
Kelly Price
at
312-274-2280
(Kelly.price@53.com)
for availability.
Side:
North, South, West, Northwest, Southwest, Southeast, Loop
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Guaranteed Rate
(
www.guaranteedrate.com
)
Guaranteed Rate was founded on the simple idea of building a mortgage company focused on serving the best interests of our customers. Our straightforward business model is structured to provide our customers with the right products, lowest rates and un-matched service. Being the largest independent and fastest growing mortgage lender in the country, Guaranteed Rate is licensed in 46 states and the District of Columbia, employees over 1,500 people and has funded $6.9 billion in mortgages in 2011 alone. While in recent years banks have made the mortgage process more cumbersome and decreased their overall lending, Guaranteed Rate has increased lending and streamlined the entire mortgage process helping growing numbers of consumers buy or refinance their homes. We continually invest in technology and employee training to simplify the entire mortgage process for our customers from application to closing. These investments yield higher productivity and faster closings which keeps customers using Guaranteed Rate for all of their mortgage needs.
Here are some of the special incentives we're offering along with niche programs: Lender Fees Waived (Value of $990) Fannie Mae HomePath Available Tax Smart Approved FHA 203K Renovation Loans: Streamline and Full No Mortgage Insurance Options Jamie Franz Vice President of Mortgage Lending 319 W. Ontario Street Chicago, IL 60654 312-379-3555 Jamie.franz@guaranteedrate.com NMLS ID: 221285
Mike Nielsen Vice President of Mortgage Lending 3940 North Ravenswood Chicago, IL 60613 773-435-7920 Mike.nielsen@guaranteedrate.com NMLS ID: 223614
Contact:
Jamie Franz
at
312-379-3555
(Jamie.franz@guaranteedrate.com)
for availability.
Side:
N/A
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Harris Bank
(
www.harrisbank.com
)
Affordable Mortgage Programs HARRIS has helped thousands of families purchase homes through our affordable mortgage programs and other financing solutions. If you are purchasing your first home, we offer special financing for teachers. Find out if one of our affordable mortgage programs benefit you. Whether you're buying your first home or your retirement dream home, it's one of the most important purchases you will ever make. HARRIS has mortgages in many shapes and sizes to fit your needs. Learn what you need to know about mortgages and how to apply.
HARRIS Bank will offer the following incentives to teachers:
- For a teacher purchasing a home in a target area: a grant of $1,500 to help cover closing costs or down payment
- For those with a credit score between 600 to 699: a 30-year fixed-rate mortgage with a 3% down payment
- For those with a credit score of 700 or more: a 30-year fixed-rate mortgage with no money down
- For those with credit scores lower than 600, special counseling and credit seervices
- No PMI Programs available
- Low closing cost fees
- Take advantage of the 3% down payment - 97% Financing and NO PRIVIATE MORTGAGE INSURANCE (PMI)!
Kenneth Mylander (kenneth.mylander@harrisbank.com) Office: 847-967-8112 Fax: 847-967-0820
Contact:
Kenneth Mylander
at
847-967-8112
(kenneth.mylander@harrisbank.com)
for availability.
Side:
North, South, West, Northwest, Southwest, Southeast, Loop
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PNC Mortgage
(
www.pncmortgage.com/staceylatch
)
PNC Mortgage's Homes for Heroes program celebrates the many contributions of teachers to our local neighborhoods and to our children, by providing easy-to-use information and friendly, knowledgeable loan professionals. Knowing your busy schedules, we offer our services in person, on the phone or online. Contact us for program information, a step-by-step guide to the loan process, and details about how to receive a $100 Visa gift card at closing.
Special Features: Zero and low down payment options Flexible sources of down payment Flexible credit scores and low credit score minimums Expanded qualifying ratios Purchase/rehabilitation products available Programs for 1-unit through 4-unit properties Payment options to match your household's paycycle (weekly, bi-weekly, monthly) Programs not requiring private mortgage insurance Access to convenient, free homebuyer education and counseling
For more information, please click here: www.pncmortgage.com/staceylatch
Contact:
Stacey Latch
at
(773) 298-2304
(Stacey.Latch@pncmortgage.com)
for availability.
Side:
North, South, West, Northwest, Southwest, Southeast, Loop
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Pacor Mortgage Corporation
(
www.pacormortgage.com
)
Pacor Mortgage Corp. has been helping homeowners since 1986. We are licensed morgage banker with "in-house" underwriting and funding. To better serve you we have three Chicago area locations! We are an approved Chicago TaxSmart lender since 2005 and we are known for competitive rates with very low fees! Our Mortgage Representatives can help you determine which loan is right for you! Licensed in Illinois, Wisconsin, Indiana, and Michigan.
Please contact: Roland Gomez Regional Sales Manager 773-881-7744 ext. 26 clientservices@pacormortgage.com http://www.pacormortgage.com/index.php/apply-here
Contact:
Roland Gomez
at
773-881-7744
(clientservices@pacormortgage.com)
for availability.
Side:
North, South, West, Northwest, Southwest, Southeast, Loop
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Perl Mortgage, Inc.
(
www.cpspartner.com
)
Whether you are purchasing your first home, relocating to Chicago or current home owner, PERL is dedicated to providing all CPS employees with the financial education, purchase planning tools and market expertise to help you make intelligent choices regarding your real estate financing needs for today and in the future. PERL offers mortgage products issued by all of the nationally recognized banks and lending institutions giving you "best in class" product choice and the lowest interest rates available in the market place for conventional, FHA, VA and Rehab loans.
PERL's partnership with CPS provides employees with:- 50% Discount on Lender Fees – A flat $500 fee + appraisal
- Pre-purchase Planning Session – A comprehensive review of your goals and objectives for home buying and mortgage financing experience
- Education on Financing Dynamics – Learn why interest rates fluctuate and what economic factors drive the market through our e-Weekly Market Updates
- Mortgage Management Services – Mortgage Reviews, Credit Score Reviews and Market Value Reviews.
Please contact PERL Professional:
Pamela Harambasic Mortgage Advisor Office: 312-651-5359 pamela@perlmortgage.com http://www.perlmortgage.com/
Contact:
Pamela
at
312-651-5359
(pharambasic@perlmortgage.com)
for availability.
Side:
North, South, West, Northwest, Southwest, Southeast, Loop
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Provident Funding
(
www.provident.com
)
Since 1992, Provident Funding has earned the reputation as the Mortgage Price Leader by providing the best price, service and technology to the best customers. Through the Provident Funding Mortgage Benefit Program TM, Chicago Public Schools employees are eligible to receive an additional 0.25% discount to the price of any home loan, including refinances or new home purchases! At the time of loan application, reference discount code: M00DF1179
Contact:
Andrew Joyner
at
1-888-547-4050 x5086
(AJoyner@provident.com)
for availability.
Side:
North, South, West, Northwest, Southwest, Southeast, Loop
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Wells Fargo Home Mortgage
(
www.wellsfargo.com/mortgage
)
As local mortgage professionals working inour community, we understand area lending guidelines and draw on our resourcesas the nation's leading retail mortgage lender. We'll work closely with you tohelp provide information so you can make informed decisions. Contact: Peter De Jong, Branch Manager peter.dejong@wellsfargo.com www.homepurchasepeter.com 773-239-1024 NMLSR ID 442532 Susan Pfeiffer, Home Mortgage Consultant susan.l.pfeiffer@wellsfargo.com www.wfhm.com/susan-pfeiffer 815-603-9123 NMLSR ID 419148 Maribel Guzman Maribel.guzman@wellsfargo.com www.wfhm.com/maribel-guzman 708-226-7411 NMLSR ID 234799 Se Habla Espanol
Contact:
Shawn Howard
at
708-226-7450
(shawn.howard@wellsfargo.com)
for availability.
Side:
North, South, West, Northwest, Southwest, Southeast, Loop
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Wintrust Mortgage Corporation
(
www.Wintrustmortgage.com
)
In business for nearly 30 years, with more than 70 offices in Illinois alone, Wintrust Mortgage is committed to serving the home financing needs of CPS employees and Chicagoland. Your Wintrust Mortgage Loan Officer has access to hundreds of different financial solutions; one may be the perfect one for you. It’s our stability that makes it possible for us to offer the depth of products and level of experience for our clients.- City of Chicago TaxSmart approved lender
- FHA lender with both FHA Streamline and full 203k Rehab programs available
- Fannie Mae Homepath programs
- IHDA Smartmove and IHDA Down Payment Assistant Programs
- Direct Fannie and Freddie Seller
Adam McLain Senior Loan Officer and CPS Liaison 1333 N. Kingsbury, Suite 201 Chicago, Il 60642 312-462-7712 Office Direct amclain@wintrustmortgage.com
Jeanette Martinez Senior Mortgage Consultant 2329 W. Belmont Chicago, Il 60657 773-938-8210 Office Direct jmartinez@wintrustmortgage.com
Contact:
Adam McLain or Jeanette Martinez
at
312-462-7712 or 773-938-8210
(amclain@wintrustmortgage.com, jmartinez@wintrustmortgage.com)
for availability.
Side:
North, South, West, Northwest, Southwest, Southeast, Loop
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