Mortgage Lender | Purchase & RefinanceMortgages, Made Simple.

Lightning-fast closings, total transparency, and zero hassle for home buyers and investors.

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Gold key on an architectural blueprint, representing ABS Home Mortgage guiding clients to homeownership.

Couple in their mid-40s smiling in front of a large suburban home

5.0 Rated on Zillow | NMLS #209985

Trusted by 15,250+ Families

TOP 1%

UWM Partner

FASTESTCLOSER

UWM 2020

ELITE

Rocket Pro

$5B+

Funded

2002

Founded

NMLS #209985

TOP 1%

UWM Partner

FASTESTCLOSER

UWM 2020

ELITE

Rocket Pro

NMLS #209985

$5B+

Funded

2002

Founded

Product Spotlight

Loans built for every buyer

Conventional Loan Limit $832,750

Explore the programs our clients choose most.

Conventional

As low as 3% down

Learn more about Conventional

DSCR Loans

Qualify on rental income

Learn more about DSCR Loans

Jumbo Loans

Above $832,750

Learn more about Jumbo Loans

Doctor Loans

0% down, no PMI

Learn more about Doctor Loans

Calculate your DSCR

See how rental income covers your mortgage payment on an investment property. No personal income required.

Open DSCR Calculator

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ABS Home Mortgage, Inc. has no ownership interest in this company. Learn more about this relationship.

Why 15,250+ families choose us over online lenders

The lowest rate means nothing if you can't close on time. Here's what actually matters.

We'll match or beat your rate

Found a better offer? Bring it to us. We'll do everything we can to match or beat it - guaranteed.

Close faster than online lenders

Average 21-day close. Online lenders often delay or fall through. We get you to the closing table on time.

Real humans pick up the phone

No chatbots, no call centers. Your dedicated loan officer answers - even on nights and weekends.

Over two decades of certainty

We've funded $5B+ in loans. When we say you're approved, you're approved. No surprises at closing.

Local expertise matters

We know IL, GA, FL, and TX markets inside out. Local knowledge means faster approvals and better terms.

You're not a number

15,250+ families trusted us with their biggest purchase. We treat every client like family.

The lowest rate isn't always the best deal

A lower rate with high fees can cost you thousands more over time. Here's a real comparison on a $350,000 loan:

The Other Guys

Hidden fees

Interest Rate6.25%

APR (true cost)6.89%

Closing Costs$8,500

30-Year Total$287,400

ABS Home Mortgage, Inc.

Save $8,300

Interest Rate6.50%

APR (true cost)6.62%

Closing Costs$3,200

30-Year Total$279,100

Pro tip: Always compare APR, not just the rate. APR includes fees and shows your true cost.

Every loan type. One place.

Conventional, FHA, VA, Jumbo, and more.

FHA

What Our Clients Say

5.0· 18 reviews on Zillow

via Zillow

Great lender with huge experience and very very helpful. They made my home buying process so smooth, that I never had to go under any tension or pressure. They helped me in each and every step.

Ganesh S.

Naperville, IL

Conventional Loan

via Zillow

Bhupesh and his team provided excellent service for my mortgage needs. They were professional, very customer oriented and were thorough and prompt in their responses. I would recommend their services to anyone.

Nat P.

Aurora, IL

Purchase

via Zillow

After facing challenges with our original lender, Bhupesh stepped in and helped move the process forward quickly and efficiently. … What stood out most was how smooth and organized the process felt once Bhupesh and his team became involved.

Gerardo L.

Naperville, IL

First-Time Home Buyer

See all remaining reviews on Zillow

Frequently asked questions

Straight answers about closing times, licensing, and our loan programs.

Our average is about 21 days for purchases and refinances, and we've closed in as few as 12 when appraisal, title, and documents all line up. Closing timelines vary by file and no timeline is guaranteed.

A rate increase doesn't mean your payment is locked in at today's number. Permanent and temporary rate buydowns are two of the main options worth looking at, letting you buy the rate down for the life of the loan or just the first year or two while you wait to refinance. Read what actually helps your payment right now for the specifics on both. All loans subject to credit approval.

A Debt Service Coverage Ratio (DSCR) loan qualifies real estate investors on the property's rental income instead of personal tax returns or employment verification. See how our DSCR loan program works, what the DSCR loan down payment looks like this year, or how no-income DSCR loans qualify borrowers without tax returns. All loans are subject to credit approval.

Yes. Our physician and doctor loan programs offer low- to zero-down options with no private mortgage insurance for eligible borrowers. Program terms are subject to change without notice.

Yes. We originate FHA-insured HECM reverse mortgages for homeowners 62 and older, so you can convert home equity into cash with no required monthly mortgage payment. See our reverse mortgage program page for how it works, or read our full breakdown of what a HECM actually costs. All loans subject to credit approval.

A denial from one lender usually just means you didn't fit that bank's particular box, not that you can't get a loan. We regularly close for self-employed borrowers and investors using bank-statement and DSCR programs that look at real finances instead of one rigid rule. Read how Non-QM underwriting works, or explore our full loan programs to see what fits your situation. All loans subject to credit approval.

This is not a commitment to lend. Rates, terms, and programs subject to change without notice. All loans subject to credit approval.

Today's rates won't last. Lock yours now.

Ready to get started?

Complete your application in less than 15 minutes.
We'll match or beat any rate you find.

Lock My Rate 630-357-1600

Toll Free: 1-866-666-2378 (866-666-BEST)

No obligation • No credit impact • Takes 1 minute

ABS Home Mortgage clients celebrating the keys to their new home

A family of ABS Home Mortgage clients outside their newly purchased house

Happy ABS Home Mortgage homeowners after closing on their mortgage

A note from the President & CEO

Bhupesh Saggar, President & CEO

Buying a home is more than a transaction - it's the door keys to your first place, the backyard where your kids will play, the kitchen where memories are made. Since 2002, we've had the privilege of being part of that moment for our clients.

We don't just process paperwork. We pick up the phone. We answer the late-night questions. We fight for the best rate because we know what's on the line for you.

Your dream deserves a team that cares as much as you do. Let's make it happen.

Mortgage Lender | Purchase & RefinanceMortgages, Made Simple.

Get my rate quote:

Loans built for every buyer

Calculate your DSCR

A Family of Companies

Best U.S. Realty