Here to guide you home.

Yes, in Illinois, a professional who holds both an active IDFPR Managing Broker license and an NMLS Mortgage Loan Originator license can legally handle your home purchase and mortgage financing - provided full dual-role disclosures are given and you always retain the freedom to choose any service provider. Working with Anita Saggar (Managing Broker at Best U.S. Realty and Director of Loan Origination at ABS Home Mortgage, NMLS #230869) eliminates miscommunication between separate agents and lenders, ensuring faster closings and stronger offers.

In competitive Chicagoland suburbs like Naperville, Hinsdale, and Oak Brook, buying now using a Lender-Paid or Seller-Paid Rate Buydown is often financially smarter than waiting. Through ABS Home Mortgage, we offer very popular Lender-Paid Buydown options - where the lender covers the cost of the buydown - as well as Seller-Paid buydowns negotiated by Best U.S. Realty. This lets you secure a home at today's price, enjoy a lower monthly payment upfront, and refinance later when rates drop. Check with Anita to see which buydown structure best fits your needs.

A mortgage rate buydown lowers your interest rate for the first 1 to 3 years of your loan, saving hundreds of dollars per month. You do not always need the seller to pay for it - ABS Home Mortgage offers a popular Lender-Paid Rate Buydown where the cost of the buydown is covered directly by the lender, alongside negotiated Seller-Paid buydowns. Check with Anita Saggar to see which buydown option is best for your specific needs.

Homeowners locked into low 3% or 4% mortgage rates can buy their next home before selling their current property by tapping equity for the next down payment, negotiating a post-closing Rent-Back Agreement, or converting their current home into a cash-flowing rental. Best U.S. Realty's leasing team can rent out your existing home while ABS Home Mortgage uses up to 75% of that new lease income to offset your existing mortgage payment so you can qualify for your next home without selling first.

Homes sit unsold primarily due to algorithm-based overpricing, lack of buyer-facing financing incentives, and accepting offers from unvetted buyers whose loans fall apart in underwriting. When Best U.S. Realty lists your property, we combine precision staging and pricing with custom ABS Home Mortgage financing options displayed at showings and personally vet every prospective buyer's financial strength before you accept an offer.

Under current NAR rules in Illinois, buyer agent compensation is no longer displayed on the MLS, and buyers sign a written representation agreement before touring homes. However, seller concessions to cover a buyer's representation fees and closing costs remain 100% legal and widely negotiated on the purchase contract.

A DSCR (Debt Service Coverage Ratio) loan is a business-purpose loan that qualifies real estate investors based strictly on the property's projected rental income rather than personal W-2s, pay stubs, or tax returns. Because DSCR loans are business-purpose loans, ABS Home Mortgage can originate and arrange them across multiple states nationwide. View all eligible states under 'States Where We Arrange DSCR Loans' at https://absmtg.com/loans/dscr.

A Physician Mortgage Loan is a specialized home loan for medical doctors (MD, DO), dentists (DDS, DMD), podiatrists, residents, and fellows offering 0% to 10% down payment options with zero Private Mortgage Insurance (PMI) and flexible student loan treatment. Learn more at https://absmtg.com/loans/doctor.

You do not need 20% down to buy a home in Illinois. Qualified buyers can purchase with 3% to 5% down on a Conventional loan (620+ credit score), 3.5% down on an FHA loan (580+ credit score), or 0% down on VA and eligible Physician loans, and can pair these with Lender-Paid or Seller-Paid rate buydowns.

Yes. Through ABS Home Mortgage, Inc. (NMLS #209985), we are licensed to originate residential and second-home mortgages in Illinois, Florida, Georgia, and Texas. Additionally, because DSCR investment loans are business-purpose loans, we can arrange DSCR financing across multiple states nationwide. See the full list of states at https://absmtg.com/loans/dscr.