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    Mortgage Lender for Purchase & Refinance Mortgages, Made Simple.

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    Important Announcement

    Conventional 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

    Explore Loan ProgramsSee the full 2026 & 2027 breakdown →

    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.

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

    The Golden Key to Your New Home

    ABS Home Mortgage

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    Product Spotlight

    Loans built for every buyer

    Conventional Loan Limit $850,000

    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 $850,000

    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.

    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 Calculator

    What'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.

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    A Family of Companies

    Related real estate services you may hear about during your transaction.

    Best U.S. Realty

    Real estate brokerage services

    Best U.S. Realty — Chicagoland Real Estate Brokerage

    Sara Saggar Real Estate

    Chicago and western suburbs residential real estate, Best U.S. Realty

    Visit site

    ABS Home Mortgage, Inc. has no ownership interest in these companies. Learn more about these relationships.

    Every loan type. One place.

    Conventional, FHA, VA, Jumbo, and more.

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    Conventional
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    See all options

    Frequently asked questions

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

    Our average purchase close at ABS Home Mortgage is 21 calendar days; some files close faster when everything aligns. 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. ABS Home Mortgage offers doctor loans for physicians and other eligible medical professionals. 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. ABS Home Mortgage offers two reverse mortgage options: the FHA-insured HECM for homeowners 62 and older, and 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.

    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.

    Yes, in many cases. ABS Home Mortgage offers a program with no income documentation and no employment verification for primary residences and second homes: no tax returns, W-2s, pay stubs or employer calls. You qualify on your credit (640 minimum), your down payment or equity, and cash reserves left after closing, and the rate is higher than on a conventional loan. For rental properties, a DSCR loan qualifies the property on its rent instead of your personal income. See how it works in our no income documentation mortgage guide. Program terms and pricing are subject to change without notice. This is not a commitment to lend. 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.

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    A family of ABS Home Mortgage clients outside their newly purchased house
    Happy ABS Home Mortgage homeowners after closing on their mortgage
    Bhupesh Saggar, President & CEO of ABS Home Mortgage, in the firm's Chicago office overlooking the skyline

    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.

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