Home Loans, Simplified

Buy A Home By Confidence

Discover the path to your dream abode with New Home Purchase solutions that turn keys into cherished memories.

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Home Loans, Simplified

NEW HOME PURCHASE

Discover the path to your dream abode with New Home Purchase solutions that turn keys into cherished memories.

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Home Loans, Simplified

HOME EQUITY LOANS

Turn your home's potential into your reality with our Home Equity Loans – where your dreams find a trusted foundation.

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Home Loans, Simplified

MORTGAGE REFINANCE

Unlock the door to financial freedom with our Mortgage Refinance wizardry – your key to a brighter, debt-free future

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About Us

Your Trusted Mortgage Partner

Welcome to APlus Mortgage LLC, where we redefine the mortgage experience with a commitment to simplicity, excellence, and your financial well-being.

Our Story

Founded on the belief that obtaining a mortgage should be straightforward and stress-free, we embarked on a mission to revolutionize the mortgage industry. Our journey began with a vision to provide individuals and families with access to not just any mortgage, but the one that perfectly aligns with their unique aspirations.

What Sets Us Apart

• Simplicity • Excellence • Your Goals Drive Us

Our Services

• Tailored Mortgage Solutions • Expert Guidance • Transparency and Trust

Mortgage calculator

Our Core Values

01 Who We Are

Welcome to APlus Mortgage LLC, Illinois' newest and most ambitious mortgage brokerage firm. Founded by Manen Kothari, a highly esteemed Certified Public Accountant (CPA), we are not your average mortgage broker. Our unique blend of financial expertise and local know-how sets us apart in providing exceptional mortgage solutions.

02 Our Ambition

While we might be the new kids on the block, we are far from naïve. Our vision is to redefine what it means to be a mortgage broker in the Illinois landscape. Guided by Manen Kothari's multifaceted experience in accounting, lending, and real estate investments, we aim to be your first choice for all things mortgage. We're committed to creating personalized experiences that put you at the center of your home-buying journey.

03 What We Offer

We specialize in a broad array of mortgage services, including but not limited to: 1. First-time Home Loans 2. Refinancing Options 3. Investment Property Loans 4. Commercial Mortgages

04 Why Choose Us

1. Expertise: Led by CPA Manen Kothari, we combine financial acumen with local market insights to provide you with the best mortgage solutions. 2. Transparency: We believe in honest and open communication, ensuring you're informed at every step of the mortgage process. 3. Custom Solutions: Your needs are unique, and our range of mortgage products reflects that. We work to tailor solutions that align with your financial goals.

05 Let's Build the Future Together

If you're ready to make your homeownership dreams a reality, we're just a phone call or email away. Let APlus Mortgage LLC guide you through your mortgage journey with the professionalism and expertise you deserve.

Mortgage Services

Your Pathway to Homeownership

At APlus Mortgage LLC, we understand that securing the right mortgage is a crucial step in achieving your homeownership dreams. Our comprehensive suite of mortgage services is designed to cater to your unique needs and goals

Personalized Mortgage Solutions

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Mortgage Pre-Approval

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Home Purchase Loans

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Refinancing Solutions

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Investment Property Loans

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FHA and VA Loans

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Jumbo Loans

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Second Home Financing

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Our Step And Process

Go Beyond With A Plus Mortgage

01 Initial Consultation

The journey begins with a personalized consultation with one of our experienced mortgage brokers. We invest effort in comprehending your specific financial circumstances, objectives, and personal preferences. This conversation allows us to tailor our services to your specific needs, whether you're seeking a mortgage refinance, a home equity loan, or a new home purchase.

02 Pre-Qualification

After the initial consultation, we'll help you get pre-qualified for a mortgage. This step involves assessing your financial standing, credit history, and income to determine the loan amount you may qualify for. Pre-qualification gives you a clear picture of your budget and helps streamline your house-hunting process.

03 Loan Selection

With a pre-qualification in hand, our team will guide you through the selection of the most suitable mortgage product for your needs. We'll explain the different loan options, interest rates, and terms, ensuring you have all the information necessary to make an informed decision.

04 Application and Documentation

Once you've chosen the right loan, we'll assist you in completing the mortgage application and gather all the necessary documentation. Our team will help you compile paperwork, such as income statements, tax returns, and bank statements, making sure everything is in order for a smooth submission.

05 Mortgage Processing

At this stage, we take care of all the heavy lifting. Our skilled processors will review your application and documentation, working diligently to ensure accuracy and completeness. We liaise with lenders and underwriters, addressing any potential issues promptly.

06 Loan Approval and Closing

Upon receiving approval from the lender, we move forward with the loan closing process. We'll coordinate with all parties involved, including title companies and attorneys, to schedule a closing date that suits your convenience. During the closing, we'll guide you through the final paperwork, ensuring you fully understand the terms and conditions of your loan.

07 Funding and Beyond

Once the closing is complete, your mortgage is funded, and you're officially a homeowner or have successfully refinanced your property. But our commitment doesn't end there. Aplus Mortgage LLC provides ongoing support to address any questions or concerns you may have throughout the life of your loan. We're here to help you achieve long-term financial success.

20

Years Of Experience

90

Customer Worldwide

56

Volunteers Participated

98

Veteran Home Completed

Explore Our Mortgage Options

Welcome to our Mortgage Options Section, your go-to resource for Rate and Term Refinance, Home Equity Loans, and New Home Purchase insights. Dive into these vital aspects of homeownership, and empower your financial journey with our guidance. Discover the path that suits your needs and aspirations.

Purchase New Home

Unlocking homeownership dreams, APlus Mortgage LLC paves the way to your new home with a streamlined four-point approach.

Personalized Guidance
Pre-Approval
Vast Lender Network
Efficient Closing Process

Home Equity Loan

We view your home as a valuable asset, and we make accessing its equity for financial opportunities fast and simple with these four key steps at APlus Mortgage LLC.

Expert Guidance
Streamlined Application Process
Competitive Closing Costs
Maximum Cash In Hand

Refinance Your Home

At APlus Mortgage LLC, we understand the importance of maximizing your financial potential through rate and term refinancing.

Thorough Financial Analysis
Best Turnaround Time
Online Application Process
Competitive Rates And Closing Costs

Get A Mortgage Quote

Your pathway to mortgage clarity and affordability begins here - Get Your Personalized Mortgage Quote with APlus Mortgage LLC.

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OUR TEAM

Our Staff Profiles

JUBIN INDONA

Accountant

DAVID DRISCOLL

Manager

ANDON WARDIN

Loan Officer

MARK MORRELL

Area Manager

FAQs

Answers to Your Mortgage Questions: Explore Our FAQ Section

Can I apply for a mortgage if I have a low credit score?

Yes, you can still apply for a mortgage with a low credit score. APlus Mortgage LLC offers various loan programs, including FHA and VA loans, designed to accommodate borrowers with less-than-perfect credit. While a higher credit score often results in better terms, our experienced team will work with you to explore suitable options based on your unique financial situation.

What documents do I need to apply for a mortgage?

The required documents may vary depending on your specific situation, but common documents include proof of income (pay stubs, tax returns), bank statements, ID verification, and information about your assets and liabilities. Our mortgage experts will provide you with a detailed checklist and guide you through the document submission process to make it as convenient as possible.

How long does the mortgage approval process take?

The mortgage approval timeline can vary based on factors such as the complexity of your application, the type of loan you're applying for, and the lender's workload. Typically, the process spans an average duration of 30 to 45 days. Rest assured, our team at APlus Mortgage LLC is dedicated to expediting the process while ensuring accuracy and compliance with all requirements.

Can I make additional payments or pay off my mortgage early without penalties?

Yes, many of our mortgage programs allow for additional payments or early payoff without incurring penalties. However, it's essential to review the terms of your specific loan agreement, as some loans may have restrictions. Our mortgage specialists will provide full details on the terms and conditions of your loan, empowering you to make informed decisions about your mortgage.

What's the difference between fixed-rate and adjustable-rate mortgages (ARMs)?

Fixed-rate mortgages have a stable interest rate throughout the loan term, providing predictability in monthly payments. In contrast, adjustable-rate mortgages (ARMs) have interest rates that can change periodically, potentially resulting in fluctuating payments. The choice between the two depends on your financial goals and risk tolerance. Our experts will help you understand the pros and cons of each option and guide you to the one that suits your needs best.