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April 10, 2019

Trends in the Growing Self-Employment Sector

While self-employment can give you more freedom and great satisfaction, it can also add some real challenges when trying to buy a home.

Self-employed will approach 33 percent of the workforce in the coming years.

There is something life-affirming about a ten-second commute. Walking from your master bedroom to your home office every morning, you don’t have to deal with traffic, standing in line at Starbuck...

February 6, 2019

 If you ask a real estate agent when the best time to buy a home is, chances are the answer will always be “now.” As housing prices and mortgage rates start to tick up, the real estate agent’s advice may be right on target.

How Much Is a $200,000 Mortgage?

Housing Market Has Mostly Recovered

It’s not just mortgage rates that are on the rise. Housing prices are also rising in most markets across the country. As prices rise, the Federal Housing Financ...

December 11, 2018

Jak poradzić sobie z kupnem mieszkania z FHA?

Obecnie, klienci szukający mieszkania do kupna muszą kwalifikować się na pożyczkę konwecjonalną jeżeli condo association nie jest jest akceptowane przez FHA. Nawet nowy programy Fannie 97% LTV nie był w stanie wystarczająco pomocny jeżeli chodzi o mieszkania. Potencjalni klienci nadal musieli posiadać dobrą historię kredytową, aktywa finansowe oraz niskie proporcje wydatków w stosunku do zarobków. Bez...

December 4, 2018


Currently, people that looking to purchase a condo need to be able to qualify for conventional financing if the condominium association is not FHA approved. Even with the new Fannie 97%  LTV loan available, it has not helped the market as much. People still need to have great credit, plenty of assets, and a low debt-to-income ratio. Without the ability to take advantage of the leniency of the FHA loan, many buyers are ou...

November 2, 2018

5 facts about ITIN number that will help you close more loans

(Non-Citizen Lending)

1. Down Payment as low as 10%​

a.    If you ask people what is necessary to buy a home with ITIN, most experts will tell you a cash down payment of at least 20% is a key factor. This is old news if you ask us! Although this product is considered a high risk loan, ORM (One Republic Mortgage) will do it with as little as 10% down payment!   

b.   The...

October 10, 2018

ITIN Lending Program

(Non-Citizen Lending)

Today, a home buyer doesn’t  need a social security number to get a mortgage. Shocking, but its true!!! Foreign nationals working in the United States may be eligible, as long as they have an ITIN number, and meet certain criteria. ORM will find the loan that is the best fit for your client’s needs.

Loans for qualified buyers

  • Designed to help a borrower with Individual Taxpayer Identification Number, bu...

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an Illinois residential mortgage licensee 


T: 888-855-7211 

F: 847-239-7629


725 E.Dundee Rd., Suite 201

Arlington Heights, IL 60004


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