Mortgage Company for Purchase & Refinance — Get a lower mortgage rate from a broker who shops multiple lenders for you
Home buyers, refinancers and real estate investors in Illinois, Texas, Florida and Georgia — conventional, FHA, VA, jumbo and DSCR loans.
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Naperville mortgage broker since 2002 · NMLS #209985
RATE REVIEW
Have a Quote From Another Lender?
Send it over and we'll review it to see if we can offer better terms. As an independent broker, we compare multiple wholesale lenders.
Do you have a loan estimate from another lender? If yes, upload it by clicking the link below.
We'll review it and tell you if we can beat it.
No obligation • No credit impact • Takes 1 minute
Not a guarantee to match or improve any offer. Rates and terms depend on your credit, property, and loan program, and are subject to credit approval. ABS Home Mortgage, Inc. NMLS #209985.
Product Spotlight
Loans built for every buyer
Available through participating lenders
Explore the programs our clients choose most.
Every loan type. One place.
Conventional, FHA, VA, Jumbo, and more.
| Program | Best for | Key feature |
|---|---|---|
| Conventional | Homebuyers with stable income and credit scores of 620+ | Down payments as low as 3% |
| FHA | First-time buyers or those with limited down payment savings | Down payments as low as 3.5%; credit scores from 580+ |
| VA | Veterans, active-duty service members, and qualified surviving spouses | $0 down payment and no private mortgage insurance (PMI) |
| Jumbo | Buyers purchasing properties above $850,000 | Loan amounts exceeding conforming limits |
| DSCR | Real estate investors buying rental properties | Qualifies on the property's rental income instead of personal tax returns |
$850,000 conventional loan amount available through participating lenders. Program terms subject to change without notice. All loans subject to credit approval.
Trusted by 15,250+ Families
The Golden Key to Your New Home
ABS Home Mortgage
Not sure which loan fits?
Answer a few quick questions and see the programs that match your goals.
Calculate your DSCR
See how rental income covers your mortgage payment on an investment property. No personal income required.
DSCR loans are business-purpose loans, so we can arrange them for rental properties in Illinois, Texas, Florida, Georgia and many other states.
Open DSCR CalculatorWhat's your home worth?
Get a free automated estimate of your home's value and likely price range — plus an estimated monthly rent for many properties.
Get my free estimateConventional Loan Limits Are Going Up
ABS Home Mortgage is already using these higher conventional loan limits to close loans today — no need to wait for FHFA's official November announcement. Here's what qualifies now:
$850,000
1-Unit
$1,088,350
2-Unit
$1,315,500
3-Unit
$1,634,950
4-Unit
Amounts available through participating lenders.
These are the conventional loan limits ABS Home Mortgage is using for closings now, as of September 2026. FHFA's official confirmation in November may change the limits used for loans that close after that date — it does not affect loans that have already closed. This is not a commitment to lend. All loans subject to credit approval.
Frequently asked questions
Straight answers about closing times, licensing, and our loan programs.
Yes. As an independent mortgage broker licensed in Illinois, Florida, Georgia and Texas (with DSCR investor loans available in many more states), we shop multiple wholesale lenders to find very competitive rates for:
- Conventional
- FHA
- VA
- Jumbo
- DSCR
- Reverse mortgage loans
Your rate depends on your credit, loan amount, property and other factors. Rates and programs subject to change without notice. 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. Learn more:
- How our DSCR loan program works
- What the DSCR loan down payment looks like this year
- How no-income DSCR loans qualify borrowers without tax returns
All loans are subject to credit approval.
Yes. ABS Home Mortgage offers two reverse mortgage options:
- The FHA-insured HECM for homeowners 62 and older
- A proprietary jumbo reverse mortgage for homeowners 55 and older (minimum age varies by state) with loan amounts up to $4 million and no mortgage insurance
Neither requires a monthly mortgage payment as long as you live in the home and keep taxes, insurance and maintenance current. Compare both on our reverse mortgage program page, or read our full breakdown of what a HECM actually costs. 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.
Ready to get started?
Complete your application in less than 15 minutes.
Show us your best offer and we'll work to match or beat it.
Toll Free: 1-866-666-2378 (866-666-BEST)
No obligation • No credit impact • Takes 1 minute
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.
A Family of Companies
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