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That’s why Femme Capital Partners is 1 of the TOP RATED Chicago Mortgage Lenders
Conventional Loans
What are the loan requirements ? As a borrower, these are the minimum conventional loan requirements you should be prepared to meet: Interested in the Chicagoland Area then a Credit score of at least 620. Debt-to-income ratio of no more than 45% Minimum down payment of 3%, or 20% with no PMI.
Jumbo Loans
What do underwriters look for?
A majority of Chicago mortgage lenders want to be sure their loans will be repaid even in the event of financial hardship. Three of the primary requirements for jumbo loans in Chicago are a high credit score, low debt-to-income (DTI) ratio and good cash reserves.
VA Mortgage Loans
What are the VA requirements?
At least 90 days of active-duty service including at least 30 consecutive days (your DD214 must show 32 USC sections 316, 502, 503, 504, or 505 activation), or. 6 creditable years in the National Guard and you were discharged honorably or placed on the retired list.
FHA Loans
What is a FHA loan?
FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration. FHA loans are available for single family or multifamily homes. These Chicago home loans allow banks to continuously issue loans without much risk or capital.
Non Qualified Loans
A non-QM is a home loan is: These loans are designed to help home buyers who can't meet the strict mortgage criteria. Example, if your moving to Chicago and are self-employed or don't have all the necessary documentation to qualify for a traditional mortgage, you might need to look at non-qualified mortgages.
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Residential Mortgage Loans
Looking to apply for a residential mortgage loan in Chicagoland area? Femme Capital Partners will guide you step by step.
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Commercial Mortgage Loans
Get a commercial real estate loan from Femme Capital Partners. Get estimated monthly payments for buying in Chicago, IL.
Mortage LOan FAQS
From qualification requirements, affordability, and loan types – to rates, escrow, fees, & much more – Femme Capital Partners will answer your most important mortgage FAQs!
The initial Truth in Lending Statement must be delivered to the consumer within 3 business days of the receipt of the loan application by the lender. The TILA statement is presumed to be delivered to the consumer 3 business days after it is mailed.
Because of the Equal Credit Opportunity Act (ECOA), lenders are prohibited from discriminating against you because of your age, marital status, national origin, race, religion, sex, sexual orientation, and if you receieve income from public assistance programs.
- Anything Untruthful.
- What is the most I can borrow?
- Check out my new credit cards!
- Changing jobs annually is my specialty.
- This salary job is not for me, I am going to commission based job.
After the above documents (and possibly a few others) are gathered, an underwriter gets down to business. They evaluate credit and payment history, income and assets available for a down payment and categorize their findings as the Three C’s: Capacity, Credit and Collateral.
When trying to determine whether you have the means to pay off the loan, the underwriter will review your employment, income, debt and assets. They’ll look at your savings, checking, 401k and IRA accounts, tax returns and other records of income, as well as your debt-to-income ratio.
The most obvious Red Flag that you are taking a personal loan from the wrong lender is the High Interest Rate. The rate of interest is the major deciding factor when choosing the lender because personal loans have the highest interest rates compared to other types of loans
Can a Mortgage Be Denied After Preapproval? Yes, it’s possible to have your loan application denied after getting preapproved for a mortgage. It doesn’t seem fair, but the reason this is possible is because your loan has to go through the underwriting process before it’s finalize
Make the Chicagoland area your home
Chicagoland is a financial hub and a thriving, modern city. Make it your ideal home and investment today!
Call (855) 44-Femme
a trusted & experienced mortgage lender
Melissa Walsh2024-09-04Laura was incredibly responsive and always kept me updated. Despite our client's challenging circumstances, she managed to make it work. Now, our client has his dream home and couldn’t be happier!
Jill Hamilton2024-09-03Laura was amazing to work with! I represented the buyer in the transaction, she made sure to keep me up to date every step of the way & was super responsive & always available. Not only was she super fun to work with, but incredibly professional!
Lisa Marie York2024-08-04I recently had the pleasure of working with Laura and Pamela from Femme Capital to secure a mortgage for my new home, and I couldn’t be more grateful for their exceptional service. From the very beginning, it was clear that Laura and Pamela were not only extremely knowledgeable but also had years of experience in the industry. Their expertise and professionalism truly shined through in every interaction. They took the time to understand my unique situation and worked tirelessly to find the best mortgage option for me. What stood out the most was their genuine desire to see me succeed. As a single woman navigating the complex world of home buying, it was incredibly empowering to have the support of these two amazing women who clearly had my best interests at heart. Laura and Pamela made the entire process smooth and stress-free. They answered all my questions with patience and clarity, ensuring I felt confident and informed every step of the way. Their dedication and commitment to their clients are truly commendable. Thanks to Laura and Pamela, I am now a proud homeowner. They helped me realize that my dreams of owning a home were not just possible but achievable. I highly recommend Femme Capital to anyone looking for a mortgage lender that combines expertise, professionalism, and a personal touch. Thank you, Laura and Pamela, for making my home-buying journey a wonderful experience!
Courtney Roberson2024-08-04Laura and her team are amazing! I’m a first time homebuyer and they made sure that I got the best deal possible!!! Pam is awesome too!!! Great team to work with and you are able to get in touch with them for that personal touch.
Tina Hollins2024-05-31From start to finish, Laura is there every step of the way, always taking the extra initiative to address any concerns and make the process as seamless as possible. There is no one else I'd trust my clients with! Her professionalism and expertise have made complex transactions feel effortless. Whether it's a residential mortgage or a commercial loan, Laura's attention to detail and commitment to her clients are truly exceptional. Looking for transparency, competitive rates and programs, and a lender that you can trust CALL LAURA DANTUMA! You will not be disappointed.
Kathleen Highsmith2024-05-31I have had the pleasure of working with many loan officers, but Laura C. Dantuma truly stands out. She is an exceptional loan officer who brings a level of dedication and expertise that is unmatched in the industry. Laura’s responsiveness is nothing short of remarkable. She is always quick to answer questions and provide updates, ensuring that everyone involved is well-informed and confident throughout the loan process.
Kathy Hardin Earl2024-05-29I absolutely, absolutely loved working with this agency. Their knowledge and attention to detail was immeasurable. I purchased my first commercial property and was green regarding the process. I could not have been in better hands.
Ferhat Han2024-04-29I got a home loan through Femme Capital with Claudia Langarica's assistance. She was professional and knowledgeable, guiding me smoothly through the process and promptly answering all my questions. I had a positive experience overall and would recommend Femme Capital, especially Claudia, for their excellent service.
Lynnette O2024-03-02Absolutely great to work with. Claudia was very responsive and made the buying process a lot easier. Femme Capital was very professional and I would recommend them to anyone looking to purchase a property.
Oyewole Praise2023-11-08I boldly recommend Femme Capital Partners to anyone. My experience was awesome while working with them to get my house. Claudia was ever ready to listen and help. They are really above and beyond in their field. I am glad I was introduced to FCP. Thank you everyone in FCP and please keep up the good work.
Popular chicagoland Neighbohoods
List includes cities from Cook County, Lake County & Dupage County in Illinois.
- Deerfield, IL 60015
- Downers Grove, IL 60515, 60516
- Elmhurst, IL 60126
- Fort Sheridan, IL 60037
- Glen Ellyn, IL 60137
- Glen Ellyn, IL 60138
- Glendale Heights, IL 60139
- Gages Lake, IL 60030
- Grayslake, IL 60030
- Gurnee, IL 60031
- Glencoe, IL 60022
- Glenview, IL 60026
- Golf, IL 60029
- Highland Park, IL 60037
- Highwood, IL 60040
- Hawthorn Wds, IL 60047
- Hawthorn Woods, IL 60047
- Hinsdale, IL 60521, 60522
- Hinsdale, IL 60521
- Island Lake, IL 60042
- Indian Creek, IL 60061
- Itasca, IL 60143
- Kenilworth, IL 60043
- Lake Bluff, IL 60044
- Lake Forest, IL 60045
- Lake Villa, IL 60046
- Lake Barrington, IL 60010
- Lake Zurich, IL 60047
- Long Grove, IL 60047
- Libertyville, IL 60048
- Lindenhurst, IL 60046
- Lincolnshire, IL 60069
- Lombard, IL 60148
- Medinah, IL 60157
- Mundelein, IL 60060
- Naperville, IL 60563, 60566
- Naperville, IL 60565, 60567
- Naperville, IL 60540
- Northbrook, IL 60062
- Oak Brook, IL 60523
- Park Ridge, IL 60068
- Prairie View, IL 60069
- Riverwoods, IL 60015
- River Forest, IL 60305
- Roselle, IL 60172
- South Barrington, IL 60010
- Vernon Hills, IL 60061
- Villa Park, IL 60181
- Wauconda, IL 60084
- Warrenville, IL 60555
- Westmont, IL 60559
- Winthrop Hbr, IL 60096
- Winnetka, IL 60093
- Wilmette, IL 60091
- Willowbrook, IL 60527
- Western Springs, IL 60558
- West Chicago, IL 60185
- West Chicago, IL 60186
- Wayne, IL 60184
- Wood Dale, IL 60191, 60399
- Woodridge, IL 60517
- Wheaton, IL 60189
- Winfield, IL 60190, 60187
- West Chicago, IL 60185, 60186