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Mortgage Broker Oak Lawn IL | Home Loans | MidAmerica Bancorp, Inc.

(708) 237-4050

Buy a Home in Chicago

FREE Mortgage Rate Quote!

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.

Fixed-Rate Second Mortgage Loans

A fixed-rate second mortgage allows homeowners to access their home equity while keeping their existing first mortgage intact. Unlike variable-rate options, this loan provides a stable monthly payment with a fixed interest rate.

Profit and Loss (P&L) Loans for Self-Employed Borrowers

If you are self-employed, a business owner, or operate as an independent professional, traditional mortgage requirements may not reflect your true earning capacity.

1099 Loans for Self-Employed Borrowers

If you are self-employed or earn income as an independent contractor, qualifying for a traditional mortgage can be challenging. A 1099 loan offers an alternative solution designed for borrowers.

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!

Excellent
MidAmerica Bancorp, Inc.5.0
Based on 96 reviews
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Michal C.
Margaret was responsive, informative and assisted us from start to finish. Highly recommend ModAmerica for a stress free home buying experience.
Mariam R.
Working with Richard at MidAmerica Bank was a great experience. Getting a mortgage when you are self employed can be difficult but Richard made it easy. His knowledge and expertise made the entire process seamless. I was able to close very quickly with no issues and I would highly recommend him and his team.
Matthew W.
Richard and Iwona were absolutely wonderful to work with when we purchased our home. It went seamlessly! My wife and I could not believe how easy they made the process of obtaining a home loan. We highly recommend Richard and MidAmerican!
greg B.
P C.
Great place for refinance!
Trimlight C.
Ive worked with Daniel Zajaczkowski and MidAmerica twice now. Great experience at the way through. I am working with them on a 3 transaction and ill be working with Daniel. Thanks guys for being a great team.
Eddy “Eddy M.
Seamless easy trustworthy, the best
Michael L.
Made a difficult process, smooth, and enjoyable.
Jose C.
Matt H.
Out standing, first time home buyer had no clue how to start. Daniel Zajackowski took care of all of it and made it stress free, highly recommend him!
Photo from customer review
Marek T.
Adam S.
Agnieszka L.
Bardzo profesjonalne podejście do klienta. Polecam w 100%.
Gizela
The entire process of getting a loan for my house was seamless and smooth! There were no surprises, the communication was open and clear, and everything was completed on time. I strongly recommend this service to everyone!
Stephanie F.
Helpful, patient, knowledgeable and got us the loan!
jeannette B.
Marta
Robert is the best mortgage broker what I have ever met.
Paulina K.
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 W.
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 W.
I was highly satisfied with MidAmerica Bancorp, and they provided perfect service with quickness and efficiency.
Lukasz N.
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.
Patrick B.
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 W.
Great people to work with. Highly recommended!
Syed H.
Kirllos S.
Michal C.
Margaret was responsive, informative and assisted us from start to finish. Highly recommend ModAmerica for a stress free home buying experience.
Mariam R.
Working with Richard at MidAmerica Bank was a great experience. Getting a mortgage when you are self employed can be difficult but Richard made it easy. His knowledge and expertise made the entire process seamless. I was able to close very quickly with no issues and I would highly recommend him and his team.
Matthew W.
Richard and Iwona were absolutely wonderful to work with when we purchased our home. It went seamlessly! My wife and I could not believe how easy they made the process of obtaining a home loan. We highly recommend Richard and MidAmerican!
greg B.
P C.
Great place for refinance!
Trimlight C.
Ive worked with Daniel Zajaczkowski and MidAmerica twice now. Great experience at the way through. I am working with them on a 3 transaction and ill be working with Daniel. Thanks guys for being a great team.
Eddy “Eddy M.
Seamless easy trustworthy, the best
Michael L.
Made a difficult process, smooth, and enjoyable.
Jose C.
Matt H.
Out standing, first time home buyer had no clue how to start. Daniel Zajackowski took care of all of it and made it stress free, highly recommend him!
Photo from customer review
Marek T.
Adam S.
Agnieszka L.
Bardzo profesjonalne podejście do klienta. Polecam w 100%.
Gizela
The entire process of getting a loan for my house was seamless and smooth! There were no surprises, the communication was open and clear, and everything was completed on time. I strongly recommend this service to everyone!
Stephanie F.
Helpful, patient, knowledgeable and got us the loan!
jeannette B.
Marta
Robert is the best mortgage broker what I have ever met.
Paulina K.
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 W.
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 W.
I was highly satisfied with MidAmerica Bancorp, and they provided perfect service with quickness and efficiency.
Lukasz N.
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.
Patrick B.
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 W.
Great people to work with. Highly recommended!
Syed H.
Kirllos S.
Michal C.
Margaret was responsive, informative and assisted us from start to finish. Highly recommend ModAmerica for a stress free home buying experience.
Mariam R.
Working with Richard at MidAmerica Bank was a great experience. Getting a mortgage when you are self employed can be difficult but Richard made it easy. His knowledge and expertise made the entire process seamless. I was able to close very quickly with no issues and I would highly recommend him and his team.
Matthew W.
Richard and Iwona were absolutely wonderful to work with when we purchased our home. It went seamlessly! My wife and I could not believe how easy they made the process of obtaining a home loan. We highly recommend Richard and MidAmerican!
greg B.
P C.
Great place for refinance!
Trimlight C.
Ive worked with Daniel Zajaczkowski and MidAmerica twice now. Great experience at the way through. I am working with them on a 3 transaction and ill be working with Daniel. Thanks guys for being a great team.
Eddy “Eddy M.
Seamless easy trustworthy, the best
Michael L.
Made a difficult process, smooth, and enjoyable.
Jose C.
Matt H.
Out standing, first time home buyer had no clue how to start. Daniel Zajackowski took care of all of it and made it stress free, highly recommend him!
Photo from customer review
Marek T.
Adam S.
Agnieszka L.
Bardzo profesjonalne podejście do klienta. Polecam w 100%.
Gizela
The entire process of getting a loan for my house was seamless and smooth! There were no surprises, the communication was open and clear, and everything was completed on time. I strongly recommend this service to everyone!
Stephanie F.
Helpful, patient, knowledgeable and got us the loan!
jeannette B.
Marta
Robert is the best mortgage broker what I have ever met.
Paulina K.
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 W.
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 W.
I was highly satisfied with MidAmerica Bancorp, and they provided perfect service with quickness and efficiency.
Lukasz N.
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.
Patrick B.
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 W.
Great people to work with. Highly recommended!
Syed H.
Kirllos S.