Let's compare some ideas...
If you needed a criminal defense attorney, who would you call? Would you choose a friend who is a corporate or real estate attorney? Maybe even the very best at what they do, but not necessarily at criminal law and probably not the best trial attorney. The fact is, they would send you to a specialist, a professional. The best professionals eat, sleep and breathe their specialty. They are totally immersed in it and down to the smallest details.

Your Envision Mortgage Advisor is very similar. Well educated in their field and totally steeped in every aspect of mortgages. Rather than casually sitting on the bank and casting a couple lines into the water. Your Envision Mortgage advisor dives in to find the best programs and serves them up to you on a platter with chips - that’s right, with options!

Years ago when searching for an Illinois home mortgage, I was told "This is the loan for you" and I never knew, until later, that there may have been 2 or 3 other choices that could have helped me: keep more cash in savings, increase my available monthly cash flow, or even provide greater cash to pay bills, or to complete a project while at the same time paying the house off faster! Additionally - and sadly - most people don't discover the real facts about about all the costs and fees involved until they get to the closing table with the final documents in front of them. Envision delivers the facts, all of them, at the exact same time that we provide you with money saving options. You won't have to worry about "discovering" additional expenses or anything else later on. Finally, did you know that the order in which you pay off your bills can either save you or cost you thousands of dollars? Your Envision Mortgage Advisor can show you how to stretch your dollars further.
So, do you really want - "This is the loan for you." or would you prefer "Here's how we can work together to make your life better and less expensive!"
That's why we say:
"Envision a Better Life!" We'll help you achieve it!

Here's how it works...
The Illinois mortgage or FHA mortgage process begins with learning about your goals and your current situation to create an accurate picture of your short and long term goals, any challenges you may be facing including credit, cash flow and important milestones. Please remember, even in the unlikely event that we are unable to help you with a loan today (99% of the time would be due a troubled credit report), the journey is only beginning and an Envision Mortgage Advisor will always be available for questions or concerns as well as to provide you with information and guidance regarding credit reports, how certain activities and types of accounts effect your credit score and credit rehabilitation. We'll be there with you helping you repair your credit so you can take that next step and get approved for that Illinois home purchase mortgage 

We look at your Illinois home mortgage refinance or home purchase - as much as possible - through your eyes. We make every effort to see as far down the road of life as you'd like to, so that we can make today's decisions, about today's problems with solutions that will still be helping you build your future next year and in five years and beyond. Some call it a life stage perspective or an understanding of the family life cycle. The financial decisions we make in our teens and twenties can have a dramatic impact on our lives even 50 years later.

The first life stage is being a single person and, hopefully, making wise decisions about spending, saving and even retirement. This first stage gets more complex as you meet and build a life with another person. It is at this point that most people are thinking about establishing a home. Might be a condo, might be a town home, might be a single family home - but a home, just the same.

In the second stage, the family expands to include little boys and little girls who will sooner or later want to run and play and for whom we will want security and the best we can offer - up to and including a bigger house!

The third phase occurs as we approach our own mid life issues and challenges while we are also nurturing our children's independence and responsibility, if we haven't already, we often find that now is the time to buy a home.

The fourth phase is fully in swing as we launch that last child off into their own home, which you may have heard called the empty nest. By no means an end, this is a time for rediscovering your self and your spouse and for reaching for dreams: for new careers, for new homes, for new investments. We hope for the best at every phase but things may not always turn out as we had planned. It is never to late to get back on course, however and your Envision Mortgage Advisor is here to help you make that fresh start.

Illinois Purchase mortgages & Illinois Refinance mortgages or Indiana mortgages
Hey! 1st time home buyers! We can help you with, no money down and creative programs that include seller concessions, FHA approved down payment assistance and seller 2nds to help you not only to qualify but also to be able to more comfortably afford your new home. The Illinois Mortgage Advisors at Envision love helping first-time home buyers; easing their worries and fears and helping them get a foot - as well as the rest of you - in the door to home ownership. Chicago land Houses turn into homes and families tend to grow into - and sometimes - out of them. Your Envision Mortgage Advisor will be there for you whether you want to buy a larger home or down size to a smaller more manageable home. Then again, refinancing may be the way to help you expand and create that perfect kitchen, bath, "west wing" addition or the castle you’ve always dreamed of.

In Illinois, from Chicago to Gurnee, Crystal Lake, DeKalb, Joliet, Frankfort and beyond... there are as many different reasons to refinance a home as there are Illinois home owners. Cash out refinance for any reason, no questions. Remodeling a home in Arlington Heights, Antioch, Orland Park or Zion is always a great reason for refinancing a home. You can refinance your mortgage to pay for expected - or unexpected - expenses like weddings, tuition, a vacation adventure of a lifetime, down payment for a 2nd home or real estate investment, financial market investment for retirement as well as the more unfortunate facts of medical expenses, funeral expenses.

Many success gurus say that luck is nothing more than preparation meeting with opportunity.
Did you know that the success rate of new businesses for people with experience in those industries is over 80%?
You work hard and if you've finally found a business venture that you think deserves your investment, we'd be honored to help you take that opportunity from the drawing board to boardwalk, concept to concrete via a creative Illinois refinance mortgage. Refinancing is the #1 way to finance start ups and franchises!

Your Illinois Mortgage Advisor has experience with every credit type and financial situation. Your Envision FHA Mortgage Advisor will have worked with home owners to refinance their mortgage to fix life complications caused by high debt ratios. We can help when the resulting bills have become overwhelming and we can advise you about credit repair where those complications have lead to missed payments on credit cards, auto loans and even mortgages.

By the way, when in doubt, pay your mortgage 1st. Home owners with low credit scores still have doors open to them but low credit scores combined with repeated late payments may have no options left at all.

Illinois Home owners just like you (and just like us) may have refinanced in the past to save money or repair credit but are now facing rising mortgage rates and therefore rising monthly mortgage payments due to adjustable rate mortgages. Today, right now, is better than next week or next month to consider converting that adjustable rate mortgage to an Illinois fixed rate mortgage and lock in not only a favorable rate but also to lock in some security and peace of mind.

Envision Mortgage Solutions has strong relationships with many different lenders all across the county. Because we do so much business with them, they make special programs available to us. 1, 2 & 3% flexible payment mortgages not only sound amazing, they may even sound too good to be true! Illinois FHA loans, 2 - 1 buydowns, Illinois Jumbo and super jumbo mortgages. Your Envision Mortgage Advisor will take the time to explain how and why a program like this may be dangerous for some while still being a great solution for others: Illinois Home buyers, Chicago land property investors and Illinois mortgage refinancing. These programs have unique features that meet the needs of everyday people with good but fluctuating incomes month to month like union and non-union workers, carpenters, and other building trades, who's hours are effected by weather, teachers and other support staff in education, business owners and the self employed. The important thing is that your Mortgage advisor will make sure you are fully informed about any Illinois mortgage program.

As an Illinois mortgage broker, we offer creative home financing programs including interest only programs, FHA home financing, conventional mortgages, non-conforming mortgages and Jumbo mortgages that will help you build your today and all of your tomorrows.

You don't have to live in a million dollar home in Inverness, Tinley Park, Geneva, New Lenox or Forest Park - or any where else in Illinois for that matter - to want a mortgage for a 2nd home or a vacation home. Have you dreamed of being a real estate investor? Naturally, that means you're looking for an Illinois Mortgage for Investors and investment properties. Your Envision Mortgage Advisor will help you find the right Illinois mortgage to help you buy or refinance vacation homes, 2nd homes, homes co-signed or co-owned with the kids and even owner occupied and non-owner occupied investment properties that are single family or 2, 3 or 4 unit investor properties. Envision Mortgage has the presence and experience to help you with apartment buildings and even mixed use commercial properties with apartments upstairs and storefronts on the ground level.

What about mortgages for bad credit?

There are many reasons for someone's credit to be a little - or a lot - dinged up. Bad credit happens in Barrington and Wooddale and in Blue Island and Skokie. We all know that the credit bureaus are much more diligent about putting negative information onto your credit report than they are about removing or correcting it. Envision Mortgage Solutions has mortgage programs and terms for home purchases and for home mortgage refinancing that take rough times in stride. Some one with great credit and a good job can, unfortunately, be without a job overnight in this economy. Often, no matter how carefully you may have planned, that can lead to late credit card payments, skipped auto loan payments, repossessions, foreclosure, judgments, collections, bankruptcies and other problems with credit.

Envision will help you improve your credit to get a loan and will help you get a loan to improve your credit. It doesn't matter to us if your credit is poor, average, or good, Envision Mortgage will provide you a road map to a better life. Some borrowers have had some financial trouble, we can help them. Some people have never established credit - good or bad, we can help with that, too. From AAA credit to, well… not, and from Naperville to St. Charles and South Holland to Palatine, Envision Mortgage Solutions has good news, today, tomorrow and next year.

Why should I choose Envision as my Illinois Mortgage broker?

There are many reasons to choose Envision versus other banks and brokers, here's just a couple... First, in comparison to Illinois mortgage bankers and Illinois banks, Envision Mortgage can select the best loan for you from over 100 lenders instead of the few limited choices they'll be forced to squeeze you into. Second, don't just take our word for it: Evidence from a study at Georgetown University shows that Borrowers have a lower APR when working with a mortgage broker than they do when working with a bank. Meaning that, overall, people save more money working with a broker versus a banker: that's greater savings on payments, greater savings on fees, just plain greater savings over the whole process.

It all comes down to integrity and common sense. At Envision Mortgage, we would rather help you with your current and all your future mortgage needs in a fair and straightforward way so we have a lifetime client and a lifetime sources of referrals instead of a one shot deal! Our basic business plan says, the more we help everyone else to reach their goals, the easier it will be to reach ours, too. There's also the added benefit of being able to sleep very comfortably at night knowing we're doing things right.

Envision’s clientele includes people with many different backgrounds. Therefore, we make sure our schedule is flexible to accommodate the demanding lives of people today - up to and including closings at alternate locations and after normal business hours. The Professionals at Envision take pride in a reputation as honest, straightforward professionals. They know that you need to hear the truth about your loan—not a lot of hype. Your Envision Mortgage Advisor will listen to your questions, will uncover unasked questions and get you the straight answers you deserve and you’ll be provided with options that will help you realize your present objectives without derailing your future.

Envision Mortgage has solutions for your first Illinois home purchase or the fiftieth, owner occupied or not whether you are looking in Palos Hills, Downers Grove, Bartlett, Lake Zurich or Winthrop Harbor. Your Envision Mortgage Advisor has access to programs from over 100 lenders that will allow you to find the right Illinois Mortgage or Illinois FHA mortgage with the right combination of terms to meet any need. Envision derives great satisfaction in knowing that our programs are helping our clients to not only Envision a better life, but to actually achieve one too!

When it comes to Illinois mortgages for home purchase or home refinance, FHA mortgages, FHA streamline refinance, repeat business is solid evidence of doing things right. Many of Envision Mortgage Solutions clients have been clients for a long time, and they return for all their loan needs.  Be sure to view the our customers link and see what literally hundreds of happy mortgage customer have had to say. When all is said and done, you’ll look back on your experience with Envision Mortgage knowing that you received the whole picture with none of the details strategically left out for the last moment at the closing table. Explore the Envision web site to learn why hundreds of happy clients found that Envision Mortgage has become their lifetime solution.