Buy a Home in Chicago

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If you are looking to buy a home in the Chicago area or elsewhere in Illinois, you are going to be shopping not only for a home, but for a home loan as well.

The right mortgage can make a difference in how affordable it is to own a home now and over the lifetime of your loan.

MidAmerica Bancorp, Inc. can help you open the door to homeownership by connecting you with a home loan that is suited to your needs.

Find the Ideal Type of Home Loan in Illinois

We can help you apply for the following types of mortgages in Illinois, Indiana, Florida, Michigan, Tennessee or Wisconsin:

Conventional

A conventional mortgage is one that is not backed by a government agency. Most borrowers who ask about conventional loans are looking for conventional conforming loans. These mortgages fall within the Fannie Mae and Freddie Mac loan limits, and may feature interest rates as low as 3%.

Jumbo

Some properties in Illinois require additional financing beyond what a conventional conforming mortgage allows. For the purchase of these properties, we can connect you with a jumbo loan.

FHA

FHA mortgages are guaranteed by the Federal Housing Administration, and are a favorite among first time and repeat home buyers alike.

VA

If you are a veteran, active-duty service member, or eligible surviving spouse, you may have the opportunity to purchase a home with zero down using a VA loan. This type of mortgage, guaranteed by the Department of Veterans Affairs, offers flexible credit qualifications, competitive interest rates, and no PMI.

ITIN Loans

If you are buying a home as an undocumented immigrant, you can apply for an ITIN loan. With this type of loan, you do not need a social security card to qualify, just an ITIN card.

Bank Statement Loans

You may not have a W-2 if you are self-employed or own your own business. But you do not need one to apply for a mortgage when you apply through our bank statement loan process.

First Time Home Buyers

Are you shopping for your first home in Chicago? We can help you find the right type of mortgage, and walk you through the process of buying your first home step by step.

Bridge Loans

Bridge loans are short-term financing solutions designed to assist homeowners in transitioning seamlessly from their old home to a new one. They “bridge” the gap between selling your existing property and buying a new one.

How Do You Choose the Right Type of Mortgage? We Can Help

With so many mortgage options out there, how do you know what loan product is ideal for your needs?

Many factors may impact your choice of a mortgage. Some considerations include:

Your credit score.
Your debt-to-income (DTI) ratio.
How large a down payment you can afford.
Whether or not you can pay for mortgage insurance.
Your employment status.
How long you plan to live in your home.
Your military service record.

During your free consultation, we will have the chance to review these considerations with you. We will then be able to help you identify which mortgage products are most likely to be a fit for your scenario.

Why Choose Us for Your Home Purchase Mortgage Needs?

Here are a few reasons to choose MidAmerica Bancorp, Inc. for your home purchase loan:

We have more than 25 years of experience helping borrowers purchase homes in the Chicagoland area and beyond. We are familiar with the local market and with the challenges that can arise when buying a home in this area. We will match you quickly with an ideal lending product so you can close fast on your new home.

We have a loan product suitable for every circumstance. Whether you are trying to buy a home without perfect credit, are shopping for a home as an undocumented immigrant, are a veteran looking for a zero down loan, or have another special circumstance, we can help you affordably purchase your next home.

We build long-term relationships with our customers. If you need to modify or refinance your mortgage in a few years, we will be right here to walk you through it.

We are here every day of the week to answer questions and keep moving the process ahead. You can reach us on evenings, weekdays, and weekends.

Buy Your Illinois Dream Home Now

Ready to move into your new home in Illinois, Indiana, Florida, Michigan, Tennessee or Wisconsin with competitive rates? Our expert team is standing by. To get started now, please give us a call at (708) 237-4050 to schedule your free consultation.

FREE Mortgage Rate Quote

See What Our Clients Are Saying About Us!

MidAmerica Bancorp, Inc.

5.0

Based on 71 reviews

Write a review

Piotr Leja

16:36 07 Oct 24

Nick Shah

02:56 06 Sep 24

We had an excellent experience working with Richard and Luda during our recent home loan process. From start to finish, they kept us informed at every step. Their professionalism and responsiveness made the entire process smooth, and they were able to accommodate our needs for a quick closing date.Richard secured us a fantastic loan rate, which was significantly better than what our initial lender could offer. Our original lender admitted that he "could not get anywhere close to [Richard's] rates."Our attorney was also impressed with how quickly and smoothly our closing day went, thanks to the work of Richard and Luda.Thank you both and the team at MidAmerica Bancorp for everything!

Joanna D

18:24 15 Aug 24

I had a great experience working with Richard Pikul and his staff during my recent home purchase. From the very beginning, Richard made the mortgage process clear and stress-free, walking me through every step with expertise and patience. Richard was always available to answer my questions, provide guidance, and ensure that I understood all my options. I would highly recommend Richard to anyone in need of mortgage services.

Rafal Bukowski

13:40 09 Aug 24

Rich Pikula is great to work with!Very responsive and answered all my questions making the loan process quick and easy.

Joyce Yoon

18:30 07 Aug 24

Margaret was incredible to work with, she was very responsive and always keeping a look out for our best interests. She helped us get the lowest interest rate possible in this non-buyer-friendly climate. We will recommend her to all our friends and recommend her to you too!

Julia Stasik

22:46 31 Jul 24

Kathy Malik

21:37 31 Jul 24

Richard and his team are amazing and hard working . They are very determined to help with closing process. I was always in communication with them and knew they cared about helping me get my first home . I highly recommend them.

Lukasz Polkowski

18:11 31 Jul 24

MARIUSZ JEROMINSKI

18:03 29 Jul 24

I am very pleased to be working with Richard and his MidAmerica Bancrop team. They are very well-coordinated and professional. They handled my case quickly and without any problems. I will recommend them to everyone. Great team!

Oudai Hassen

00:47 09 Jul 24

I worked with Margaret for my loan and she was a very hard worker and got me what we needed.

Dorota - Jarek Jozwiak

17:14 08 Jun 24

Tom Mikowski

10:50 07 Jun 24

Matt

16:45 23 May 24

My fiance and I worked with Richard Pikula and Luda Kantor. The whole loan process was pretty straight forward. We scheduled a meeting with Richard before searching for any houses and he laid out what we could afford. After deciding on a house, he explained what documents were needed and the loan process began. Besides a request for additional documents twice there really were no other hiccups. We ended up closing on time. We couldn't be happier with the whole process.

Zbigniew Prokop (Ziggy)

02:41 07 May 24

Thank you very much for professionalism , patience ,professional advice commitment and nice service.

hDariusz Broda

21:32 06 May 24

Dariusz Tokarski

19:10 06 May 24

I'm extremely satisfied with all services received from Midamerica Bank Corp

christine toczek

21:28 18 Mar 24

Dan and Luda were efficient and communicative regarding our new purchase transaction.Thank you always for your help!

Casandra Bennett

02:40 14 Mar 24

Leeza Bodnar

18:09 09 Jan 24

My experience with MidAmerican Bancorp, Inc. was nothing but amazing! My mom and I worked with Daniel and his team to close my condo in Oak Forest and everything went smoothly. I highly recommend working with MidAmerica and Daniel for any of your real estate transactions!

Klaudia Laskowski

02:31 21 Nov 23

I highly recommend Darek Atczylo. He is very knowledgeable, efficient and reliable. Darek answered all of my questions and took the time in explaining everything. Thank you again Darek for all your hard work!

Beata Bobek

15:08 11 Oct 23

They arranged the loan very professionally and quickly and made my dreams come true. Truly recommendable.

Teddy Williams

17:40 23 Aug 23

The team that worked with us was great and very knowledgeable about every aspect of the loan process

Sthanu Ramakrishnan

04:44 15 Aug 23

Joanna

18:33 07 Aug 23

Kamila Lenart

17:22 31 Jul 23

Another great experience working with Daniel. This is our 3rd time working with him.Thank you for all your help.

dagmara hatlas

00:10 29 Jul 23

Richard Pikula and his team are amazing and make the process of getting a house loan smooth, fast and easy!! Great service and amazing support, I recommend them 100%

Joanna Lowisz

00:16 27 Jul 23

Daniel and his team are amazing! Quick and easy closing.Daniel answered all my silly questions. First time buyer here! Will be back in the future :)

Jennifer Smith

16:38 22 Jul 23

A W

19:52 21 Jul 23

Margaret is very knowledgeable and helpful person. It was a fantastic experience working with her. She went above and beyond to help my American dream to come true.

Nina Brunhoefer

16:35 21 Jul 23

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Contact

MidAmerica Bancorp, Inc.
9720 SW Hwy
Oak Lawn, IL 60453
(708) 237-4050
Find us on Google

4950 N Harlem Ave B
Harwood Heights, IL 60706
(708) 237-4052
Find us on Google
NMLS ID: 203035

State Licenses/Registrations:
Florida
Illinois
Indiana
Michigan - dba MidAmerica Home Loans
Tennessee
Wisconsin
www.nmlsconsumeraccess.org

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MidAmerica Bancorp, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

jeannette bruno

22:30 20 May 25

Marta

15:25 14 May 25

Robert is the best mortgage broker what I have ever met.

Paulina Kozlowski

22:33 03 Apr 25

Great Team ! It was pleasure to work with Richard Pikula and Iwona . Very professional, detailed and prompt team . Found the program and rate that works for me and made whole process very smooth . I am recommending them 100% if you are looking to get a loan .

Iwona Wypych

15:40 02 Apr 25

Daniel Zajączkowski and his team were extremely helpful, knowledgeable and professional throughout the entire mortgage process. We knew we could call him anytime and he would be available to answer our questions. I highly recommend him and his team at MidAmerica Bancorp, Inc. 🤩

Malgorzata Wrobel

00:31 27 Feb 25

I was highly satisfied with MidAmerica Bancorp, and they provided perfect service with quickness and efficiency.

Lukasz Nowak

14:01 06 Feb 25

Richard was great to work with. He is extremely knowledgeable and was able to answer all our our questions along the way. He was always available for a call. It made the mortgage process that much easier. Will certainly be doing business with him again.

Patryk Baran

22:02 27 Dec 24

Working with Mr. Daniel Zajaczkowski was a game changer for us. After a frustrating experience with a previous agent, he stepped in and made the entire process seamless and stress free. From the start, he gave us confidence that we were in the best hands.He was always available to answer our questions, stayed on top of every detail, and ensured everything was handled with precision. Thanks to his expertise, we secured a great deal, $250 less per month than what we were initially offered by someone else! His dedication and exceptional service exceeded all our expectations.

Maciej Wrobel

17:09 27 Dec 24

Great people to work with. Highly recommended!

03:38 05 Dec 24

17:18 20 Nov 24

16:36 07 Oct 24

02:56 06 Sep 24

18:24 15 Aug 24

13:40 09 Aug 24

Rich Pikula is great to work with!Very responsive and answered all my questions making the loan process quick and easy.

18:30 07 Aug 24

22:46 31 Jul 24

21:37 31 Jul 24

18:11 31 Jul 24

18:03 29 Jul 24

00:47 09 Jul 24

I worked with Margaret for my loan and she was a very hard worker and got me what we needed.

Dorota - Jarek Jozwiak

17:14 08 Jun 24

Tom Mikowski

10:50 07 Jun 24

Matt

16:45 23 May 24

Zbigniew Prokop (Ziggy)

02:41 07 May 24

Thank you very much for professionalism , patience ,professional advice commitment and nice service.

hDariusz Broda

21:32 06 May 24

Dariusz Tokarski

19:10 06 May 24

I'm extremely satisfied with all services received from Midamerica Bank Corp

christine toczek

21:28 18 Mar 24

Dan and Luda were efficient and communicative regarding our new purchase transaction.Thank you always for your help!

02:40 14 Mar 24

18:09 09 Jan 24

02:31 21 Nov 23

15:08 11 Oct 23

They arranged the loan very professionally and quickly and made my dreams come true. Truly recommendable.

Teddy Williams

17:40 23 Aug 23

The team that worked with us was great and very knowledgeable about every aspect of the loan process

Sthanu Ramakrishnan

04:44 15 Aug 23

Joanna

18:33 07 Aug 23

Kamila Lenart

17:22 31 Jul 23

Another great experience working with Daniel. This is our 3rd time working with him.Thank you for all your help.

dagmara hatlas

00:10 29 Jul 23

Richard Pikula and his team are amazing and make the process of getting a house loan smooth, fast and easy!! Great service and amazing support, I recommend them 100%

Joanna Lowisz

00:16 27 Jul 23

Daniel and his team are amazing! Quick and easy closing.Daniel answered all my silly questions. First time buyer here! Will be back in the future :)

Jennifer Smith

16:38 22 Jul 23

A W

19:52 21 Jul 23

Margaret is very knowledgeable and helpful person. It was a fantastic experience working with her. She went above and beyond to help my American dream to come true.

Nina Brunhoefer

16:35 21 Jul 23

kinga kras

16:01 21 Mar 23

Professional and reliable agency, fully communicative employees, I recommend MidAmerica Bancorp Inc with a score of 10/10

Aneta Cz

18:36 07 Mar 23

Recently I had the pleasure of working with the wonderful and highly professional team at MidAmerican Bancorp,Inc. I can honestly say it was the best experience I’ve had when purchasing a home because the team was working with high accuracy and managed to be on top of my loan. I highly recommend MidAmerica Bancorp to anyone who is looking for a sold loan without worry and headache.

Kayla Doody

01:35 26 Feb 23

Karol Marcinowski

16:37 14 Feb 23

Great service, great support, very responsive team. We will definitely be using MidAmerica for our next purchase. Thank you!

Lukasz Kosor

02:29 29 Dec 22

Best place in whole MidwestThank you for everything and look forward to future transactions

Joanna Horbal

05:07 16 Dec 22

Greg Mucha

16:50 15 Dec 22

Rich and his team have always outperformed the competition.

Anna Budz

21:27 09 Dec 22

Maria Micek

03:11 01 Dec 22

Lou Gmiterek

18:45 29 Nov 22

Margaret Kopalka is a great agent, very profecional, very helpfull and somone you can count on. Quick to respond and gives the right advice.

Dominika Maj

03:55 10 Nov 22

I can’t recommend Richard Pikula and his team enough. They made the entire process easy, stress free and enjoyable. Richard and Iwona delivered a very fast closing date, we’re on top of everything, and communicated every step of the way. Thank you for everything and look forward to future transactions !

Oseas Ramos

16:02 03 Nov 22

Kathy Kos

16:26 06 Oct 22

My recent purchase transaction experience with Richard Pikula and his team was excellent! They are a great team. Very professional, focus on important items, try to keep the process as easy as possible. This is my 3rd time using this team and I would strongly recommend them to anyone.

Saleem Tahir

17:21 29 Sep 22

Both Richard and his team was wonderful to work with. Especially, Iwona was just awesome. She made me aware of every step of the process. Overall, had a great experience.

MARCIN KROZEL

19:39 06 Sep 22

I was working with Darek Atczylo. Best experience ever. Smooth and excellent process.Thank you Darek

RAFAELLO CHOWA

17:55 27 Jul 22

My loan officer was Darek Atczylo and he made the loan process very smooth and easy. Best experience ever. Thank you Darek for all your hard work !

20:18 18 Jul 22

20:01 18 Jul 22

21:18 17 Jun 22

20:07 08 Jun 22

18:30 05 Jun 22

Chris was on top of the process the entire way. Made the whole process effortless , even when the underwriter kept asking for more and more documentation. Always replied back within minutes when message was left.

Wojtek S

13:53 16 May 22

Mateusz Cichowicz

21:12 16 Mar 22

Jolanta was amazing! Very professional and helpful.

Artur Soltys

17:04 11 Mar 22

Hailey L

16:56 27 Jan 22

They did absolutely amazing I wouldn’t have been able to get my house if it wasn’t for them. I will forever be thankful for this amazing team!!

Ursula Marszalik

19:24 04 Jan 22

Rich Kiel

15:40 04 Jan 22

I have worked with MidAmerica Bancorp for many years now. However, this time the people at MidAmerica Bancorp made my refinancing one of the MOST Smoothest and Pain Free process that I have ever experienced. Everything was so extremely automated. The title company even came to my house for the final closing. I never once had to leave my house. I would recommend MidAmerica Bancorp to everyone.

barbara graca

02:03 25 Nov 21

Michelle Wojtowicz

01:46 20 Nov 21

Dan was Super helpful and answered all my questions and I had a million! Would totally recommend working with him.

Aneta Marek

04:03 19 Nov 21

CC Restore

02:21 18 Nov 21

Darek is the best in what he does. Highly recommended

00:46 18 Nov 21

20:44 17 Nov 21

18:34 12 Nov 21

02:23 11 Nov 21

Fast and very competent service. Great at what they do. Will definitely use their service when in need. Greatly recommended.Szybka i bardzo kompetentna obsługa. Wspaniali w tym czym się zajmują. Z całą pewnością wybiorę ich usługi w przyszłości. Serdecznie polecam.

Paul Gala

16:46 10 Nov 21

Pawel Fonfara

01:04 16 Sep 21

Darek is a man with lots of knowledge, he is very patient and likes to work with people. I just closed my third deal with him.

19:35 19 Aug 21

Rich is amazing. His team goes above and beyond to get your deal closed.

Monika Budz

02:38 02 Feb 21

Hasani Bandele

17:09 29 Dec 20

I have worked with many mortgage brokers in the past, and this team is clearly one of the best. I know that they will handle my business fast and professionally!

Greg Landowski

14:11 23 Jan 20

Excellent and professional service as usual.