(708) 831-2727
Mortgage Banker, Residential & Commercial Lending
Achieving your dream of owning a home or commercial property should not be a stressful experience. As your dedicated mortgage banker, we are here to ensure that the mortgage process is as smooth and hassle-free as possible for you, so you can focus on making your dream a reality.
Discover Who We Are
About us
National Home Mortgage is a progressive mortgage banker company with state-of-the-art loan advisors, providing top-tier service. With a rating score of 4.9/5.0 over the past 25 years, we have closely collaborated with our customers to ensure successful outcomes.
Our mission
We serve with honesty, integrity, efficiency, and competency. Our customers and our teams complete satisfaction is our top priority. We serve to earn your trust.
Our goal
National Home Mortgage goal Is to partner with forward thinking loan advisors who can offer streamline financing, low interest rates with favorable terms and conditions.
Our Loan Program Options
PROPERTY INVESTOR LOAN
DSCR Loan
Debt service coverage ratio uses rental income to qualify for financing.
FLEXIBLE REQUIREMENT LOAN
Non-QM Loan
Flexible income and credit requirements provide financing options for unique situations.
HOME SELLER LOAN
Bridge Loan
Short-term financing for homebuyers who have a house to sell.
CREDIT CARD PAYOFF LOAN
Cash-out Refinance
Up to 95% loan-to-value ratio made for paying off high-interest debt.
RURAL HOMEOWNER LOAN
USDA Loan
Zero down, lower rates and lower credit reqs. Made for rural properties.
HIGH-EARNER HOME LOAN
Jumbo Loan
Special financing for higher value properties with limits set by location.
US MILITARY LOAN
VA Loan
Lower down payment and lower interest rates for US Military Veterans.
WELL-QUALIFIED LOAN
Conventional Loan
Great for well-qualified individuals, with lower rates and less hoops.
FIRST-TIME HOMEOWNER LOAN
FHA Loan
Lower down payment and lower barriers-perfect for the first-time buyer.
Our Awesome Team
Which Mortgage is Right for You?
Fixed Rate
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.
Interest Only
A mortgage is called “Interest Only” when its monthly payment does not include the repayment of principal for a certain period of time. Interest Only loans are offered on fixed rate or adjustable rate mortgages as wells as on option ARMs
Adjustable ARM
Adjustable Rate Mortgages (ARM)s are loans whose interest rate can vary during the loan’s term. These loans usually have a fixed interest rate for an initial period of time and then can adjust based on current market conditions.
Graduated Payments
A graduated payment mortgage is a loan where the payment increases each year for a predetermined amount of time (such as 5 or 10 years), then becomes fixed for the remaining duration of the loan.
