Buy a Home in Chicago

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:


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.

See What Our Clients Are Saying About Us!

Yan V.
1 day ago
Great experience with Rich and Iwona. They helped with a very complicated loan when another loan broker couldn't get it approved. This is the place to turn to if you have self-employment income. Can't recommend Rich and his team enough!
Lidia F.
2 days ago
Richard and his team were great. He helped us get approved for our loan and referred us to an amazing realtor. We would definitely recommend to anyone looking to buy a new home.
Mateusz B.
4 days ago
Process was smooth. Richie took good care of us and explained everything along the way. I would definitely use MidAmercia Bancorp again in the future.
Wesley T.
6 days ago
Rich and his team, specifically Iwona, offer top-tier service from pre-qualification to close. In real estate, unexpected hurdles inevitably pop up, but Rich and his team work overtime to find quick solutions and ensure the process is as stress-free as can be. Rich makes himself readily available for any and all questions. He is on standby throughout the process which brings peace of mind, reminding you that you're not in the process alone. They are friendly, highly responsive, and truly invested in helping their clients succeed. Highly recommend
Wojtek S.
4 weeks ago
Rich and his team are true experts and professionals. They were very helpful along the entire process. I would definitely recommend them for your home needs.
Dorota L.
2 months ago
Working with Richard and his team (Iwonka)was absolutely phenomenal! They were incredibly responsive, knowledgeable, and made the entire mortgage process smooth and stress-free . They answered every question promptly and got us a fantastic rate. I would highly recommend them to anyone looking to buy a home. Plus they speaks POLISH!!!
Ewa B.
2 months ago
I recently completed a refinance transaction with Richard Pikula and his team at MidAmerica Bancorp, and I could not be more pleased with the experience. From the initial consultation through closing, Richard and his team demonstrated exceptional professionalism, expertise, and dedication to customer service. Communication was clear, timely, and transparent throughout the entire process. Every question was answered thoroughly, and I always felt informed and confident in each step of the refinance. Richard's knowledge of the lending industry, attention to detail, and commitment to finding the best solution for my financial needs were evident from start to finish. What truly distinguished this team was their responsiveness, efficiency, and genuine commitment to ensuring a smooth and stress-free experience. They handled every aspect of the transaction with integrity and professionalism, making what can often be a complex process remarkably straightforward. I highly recommend Richard Pikula and the entire MidAmerica Bancorp team to anyone seeking mortgage or refinancing services. Their expertise, customer-focused approach, and outstanding service exceeded my expectations, and I look forward to working with them again in the future. Thank you, Richard and team, for delivering such an exceptional experience. Your dedication and professionalism are greatly appreciated.
Michal C.
4 months ago
Margaret was responsive, informative and assisted us from start to finish. Highly recommend ModAmerica for a stress free home buying experience.
Mariam R.
5 months ago
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.
5 months ago
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.
5 months ago
P C.
5 months ago
Great place for refinance!
Trimlight C.
6 months ago
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.
Seamless easy trustworthy, the best
Michael L.
8 months ago
Made a difficult process, smooth, and enjoyable.
Jose C.
8 months ago
Matt H.
8 months ago
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.
9 months ago
Adam S.
9 months ago
Agnieszka L.
9 months ago
Bardzo profesjonalne podejście do klienta. Polecam w 100%.
Gizela
9 months ago
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.
12 months ago
Helpful, patient, knowledgeable and got us the loan!
jeannette B.
1 year ago
Marta
1 year ago
Robert is the best mortgage broker what I have ever met.
Paulina K.
1 year ago
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 .
Yan V.
1 day ago
Great experience with Rich and Iwona. They helped with a very complicated loan when another loan broker couldn't get it approved. This is the place to turn to if you have self-employment income. Can't recommend Rich and his team enough!
Lidia F.
2 days ago
Richard and his team were great. He helped us get approved for our loan and referred us to an amazing realtor. We would definitely recommend to anyone looking to buy a new home.
Mateusz B.
4 days ago
Process was smooth. Richie took good care of us and explained everything along the way. I would definitely use MidAmercia Bancorp again in the future.
Wesley T.
6 days ago
Rich and his team, specifically Iwona, offer top-tier service from pre-qualification to close. In real estate, unexpected hurdles inevitably pop up, but Rich and his team work overtime to find quick solutions and ensure the process is as stress-free as can be. Rich makes himself readily available for any and all questions. He is on standby throughout the process which brings peace of mind, reminding you that you're not in the process alone. They are friendly, highly responsive, and truly invested in helping their clients succeed. Highly recommend
Wojtek S.
4 weeks ago
Rich and his team are true experts and professionals. They were very helpful along the entire process. I would definitely recommend them for your home needs.
Elaine S.
1 month ago
Dorota L.
2 months ago
Working with Richard and his team (Iwonka)was absolutely phenomenal! They were incredibly responsive, knowledgeable, and made the entire mortgage process smooth and stress-free . They answered every question promptly and got us a fantastic rate. I would highly recommend them to anyone looking to buy a home. Plus they speaks POLISH!!!
Ewa B.
2 months ago
I recently completed a refinance transaction with Richard Pikula and his team at MidAmerica Bancorp, and I could not be more pleased with the experience. From the initial consultation through closing, Richard and his team demonstrated exceptional professionalism, expertise, and dedication to customer service. Communication was clear, timely, and transparent throughout the entire process. Every question was answered thoroughly, and I always felt informed and confident in each step of the refinance. Richard's knowledge of the lending industry, attention to detail, and commitment to finding the best solution for my financial needs were evident from start to finish. What truly distinguished this team was their responsiveness, efficiency, and genuine commitment to ensuring a smooth and stress-free experience. They handled every aspect of the transaction with integrity and professionalism, making what can often be a complex process remarkably straightforward. I highly recommend Richard Pikula and the entire MidAmerica Bancorp team to anyone seeking mortgage or refinancing services. Their expertise, customer-focused approach, and outstanding service exceeded my expectations, and I look forward to working with them again in the future. Thank you, Richard and team, for delivering such an exceptional experience. Your dedication and professionalism are greatly appreciated.
Michal C.
4 months ago
Margaret was responsive, informative and assisted us from start to finish. Highly recommend ModAmerica for a stress free home buying experience.
Mariam R.
5 months ago
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.
5 months ago
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.
5 months ago
P C.
5 months ago
Great place for refinance!
Trimlight C.
6 months ago
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.
Seamless easy trustworthy, the best
Michael L.
8 months ago
Made a difficult process, smooth, and enjoyable.
Jose C.
8 months ago
Matt H.
8 months ago
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.
9 months ago
Adam S.
9 months ago
Agnieszka L.
9 months ago
Bardzo profesjonalne podejście do klienta. Polecam w 100%.
Gizela
9 months ago
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.
12 months ago
Helpful, patient, knowledgeable and got us the loan!
jeannette B.
1 year ago
Marta
1 year ago
Robert is the best mortgage broker what I have ever met.
Yan V.
1 day ago
Great experience with Rich and Iwona. They helped with a very complicated loan when another loan broker couldn't get it approved. This is the place to turn to if you have self-employment income. Can't recommend Rich and his team enough!
Lidia F.
2 days ago
Richard and his team were great. He helped us get approved for our loan and referred us to an amazing realtor. We would definitely recommend to anyone looking to buy a new home.
Mateusz B.
4 days ago
Process was smooth. Richie took good care of us and explained everything along the way. I would definitely use MidAmercia Bancorp again in the future.
Wesley T.
6 days ago
Rich and his team, specifically Iwona, offer top-tier service from pre-qualification to close. In real estate, unexpected hurdles inevitably pop up, but Rich and his team work overtime to find quick solutions and ensure the process is as stress-free as can be. Rich makes himself readily available for any and all questions. He is on standby throughout the process which brings peace of mind, reminding you that you're not in the process alone. They are friendly, highly responsive, and truly invested in helping their clients succeed. Highly recommend
Wojtek S.
4 weeks ago
Rich and his team are true experts and professionals. They were very helpful along the entire process. I would definitely recommend them for your home needs.
Elaine S.
1 month ago
Dorota L.
2 months ago
Working with Richard and his team (Iwonka)was absolutely phenomenal! They were incredibly responsive, knowledgeable, and made the entire mortgage process smooth and stress-free . They answered every question promptly and got us a fantastic rate. I would highly recommend them to anyone looking to buy a home. Plus they speaks POLISH!!!
Ewa B.
2 months ago
I recently completed a refinance transaction with Richard Pikula and his team at MidAmerica Bancorp, and I could not be more pleased with the experience. From the initial consultation through closing, Richard and his team demonstrated exceptional professionalism, expertise, and dedication to customer service. Communication was clear, timely, and transparent throughout the entire process. Every question was answered thoroughly, and I always felt informed and confident in each step of the refinance. Richard's knowledge of the lending industry, attention to detail, and commitment to finding the best solution for my financial needs were evident from start to finish. What truly distinguished this team was their responsiveness, efficiency, and genuine commitment to ensuring a smooth and stress-free experience. They handled every aspect of the transaction with integrity and professionalism, making what can often be a complex process remarkably straightforward. I highly recommend Richard Pikula and the entire MidAmerica Bancorp team to anyone seeking mortgage or refinancing services. Their expertise, customer-focused approach, and outstanding service exceeded my expectations, and I look forward to working with them again in the future. Thank you, Richard and team, for delivering such an exceptional experience. Your dedication and professionalism are greatly appreciated.
Michal C.
4 months ago
Margaret was responsive, informative and assisted us from start to finish. Highly recommend ModAmerica for a stress free home buying experience.
Mariam R.
5 months ago
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.
5 months ago
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.
5 months ago
P C.
5 months ago
Great place for refinance!
Trimlight C.
6 months ago
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.
Seamless easy trustworthy, the best
Michael L.
8 months ago
Made a difficult process, smooth, and enjoyable.
Jose C.
8 months ago
Matt H.
8 months ago
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.
9 months ago
Adam S.
9 months ago
Agnieszka L.
9 months ago
Bardzo profesjonalne podejście do klienta. Polecam w 100%.
Gizela
9 months ago
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.
12 months ago
Helpful, patient, knowledgeable and got us the loan!
jeannette B.
1 year ago
Marta
1 year ago
Robert is the best mortgage broker what I have ever met.