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Frequently Asked Questions

Whether you are shopping for a home or refinancing your mortgage, you probably have quite a few questions about the mortgage process, your qualifications, and the different loan options that are available.

Below, you can find answers to some of the questions that we frequently hear from customers during their consultations.

If you would like to schedule a free consultation, please give us a call at (708) 237-4050.

Q: What mortgage rates do you offer?
Q: What is the maximum loan amount?
Q: How do I get pre-qualified?
Q: Why should I get pre-qualified?
Q: Do I need a perfect credit score to buy a home?
Q: I can’t afford a 20% down payment. What can I do to buy a home?
Q: Do you work with customers in my area?

See What Our Clients Are Saying About Us!

Saleem Tahir
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
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
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 !
Gintas Urbonas
Gintas Urbonas
20:18 18 Jul 22
Agnieszka Koterba
Agnieszka Koterba
20:01 18 Jul 22
Bob Zenawick
Bob Zenawick
21:18 17 Jun 22
kamil_ss_1le
kamil_ss_1le
20:07 08 Jun 22
Dean rademacher
Dean rademacher
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.
wojciech szymaszek
wojciech szymaszek
13:53 16 May 22
Mateusz Cichowicz
Mateusz Cichowicz
21:12 16 Mar 22
Jolanta was amazing! Very professional and helpful.
Artur Soltys
Artur Soltys
17:04 11 Mar 22
Hailey Lindsay
Hailey Lindsay
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
Ursula Marszalik
19:24 04 Jan 22
Rich Kiel
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
barbara graca
02:03 25 Nov 21
Michelle Wojtowicz
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
Aneta Marek
04:03 19 Nov 21
CC Restore
CC Restore
02:21 18 Nov 21
Darek is the best in what he does. Highly recommended
Zdzislaw Oleksy
Zdzislaw Oleksy
00:46 18 Nov 21
Peter Zywek
Peter Zywek
20:44 17 Nov 21
Mariusz Zeman
Mariusz Zeman
18:34 12 Nov 21
Grzegorz Kroch
Grzegorz Kroch
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
Paul Gala
16:46 10 Nov 21
Pawel Fonfara
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.
EB
EB
19:35 19 Aug 21
Rich is amazing. His team goes above and beyond to get your deal closed.
Monika Budz
Monika Budz
02:38 02 Feb 21
Hasani Bandele
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
Greg Landowski
14:11 23 Jan 20
Excellent and professional service as usual.
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Get Answers to Your Questions About Buying a Home or Refinancing

Now you have answers to some of your questions about mortgages. If you have additional questions we did not answer, we would be glad to go over them with you in detail during your free consultation. To get started now, please give us a call at (708) 237-4050.