How can I help you achieve your home-buying goals?

As your trusted First American Bank loan officer in Bartlett, Illinois, my mission is to provide you with exceptional customer service. I will walk you through every step of the home loan process and support you from mortgage prequalification to pre-approval, all the way through your closing date. As a partner with you in the home financing process, I will provide you with a variety of mortgage lending programs to meet your individual needs, whether you are seeking a fixed-rate or adjustable-rate mortgage (ARM). I am committed to keeping you informed throughout the mortgage loan process, and am here to answer questions, explain options and eliminate hassles and worry along the way. Whether you are a first-time home buyer or seasoned buyer, you can trust me and my team with all of your home financing needs.

Don’t hesitate to reach out using the direct contact information located on this page. I appreciate your business and look forward to working with you!

Get to Know Me:

I am a licensed loan officer and I speak three languages: English, Hindi and Gujarati. I have been in the banking industry for over 14 years and doing residential loans for the last eight years. I understand the importance of buying a first home, so I regularly conduct first-time homebuying seminars at the Bartlett and Streamwood libraries. I am proud to be known for my great customer service and being always on top of mortgage files to make sure clients' loans close on time. Outside of the office, I enjoy spending time with my family. My hobbies are cricket, pool and running.

My Specialties:

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Limited Time Only
Home Equity Line of Credit Special

Special introductory variable rate for 12 months at Prime – 0.50%

4.25% APR

After that, variable rates are as low as

4.75% APR1

Hurry, offer ends Sept. 30, 2022! Apply now using the link above!

HELOC Rates

Rates Effective: 7.2.22
Rates and points are subject to change without notice.
Product Rate APR
Home Equity Line of Credit
Terms and Conditions
4.750%4.750%

1Offer valid 7/1/22-9/30/22. Loan must close by 11/30/22. Available only to new Home Equity Line of Credit (HELOC) customers and current HELOC customers whose loan matures within one year from the date of application. Available only on collateral properties located in (i) Illinois (excluding Kankakee County. Please see a banker for rates applicable to Kankakee County, Illinois), (ii) Porter and Lake counties in Indiana, and (iii) Kenosha, Walworth, Milwaukee, and Racine counties in Wisconsin. Not available for investment properties. 75% loan-to-value (70% for condos), or less. Prime – 0.50% during the twelve-month introductory period. Thereafter, the Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal on the first business day of each month. Based on the 7/1/22 Prime Rate of 4.75%, the following rates would apply: 4.25% during the twelve-month introductory period. Thereafter, 4.75% APR for HELOC $100,000 or more; 4.99% APR for HELOC $50,000 to $99,999; 5.49% APR for HELOC $25,000 to $49,999; and 5.74% APR for HELOC $5,001 to $24,999. Rates subject to change at any time. The maximum APR is 18%. Monthly payments of interest only will result in a balloon payment. No annual fee for the first year - $60 annual fee thereafter. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood hazard insurance may be required. Some restrictions may apply. An Early Cancellation Fee of 2.00% of the credit limit, or $500, whichever is less, will apply if the loan is closed within the first 36 months. An Early Cancellation Fee is not applicable in Wisconsin, or when prohibited by state law. Offer is subject to normal credit qualifications.

*NO CLOSING COST OPTION: Third Party Fees and Charges ranging from $350 to $1,000 may be assessed at closing. If at the time of closing you set up an Automatic Funds Transfer (AFT) or Automatic Clearing House (ACH) to make the monthly payment on your HELOC and within the first statement cycle elect electronic statements, we will pay the Third Party Fees and Charges associated with closing on your HELOC, including, but not limited to, appraisal, title, flood, credit report and recording fees (Third Party Fees and Charges). If at any time during the term of your HELOC you fail to maintain the AFT or ACH or an electronic statement, you agree to repay the Third Party Fees and Charges that we previously paid which will be added to the outstanding balance of your HELOC. If at the time of closing you do not set up an AFT or ACH to make the monthly payment on your HELOC, then you agree to pay the Third Party Fees and Charges at closing. Not available for investment properties or loans that fall outside our standard product, rate, term and underwriting guidelines.

Home Equity Line of Credit

The information provided is based on a $100,000 home equity loan. The property is located in Chicago, Cook county in the State of IL. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. These rates are subject to change without notice. Loan to Value must be less than or equal to 80%. (For collateral located in the state of Florida, the Loan to Value must be less than or equal to 75%). For loans secured by a first lien on a dwelling, payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. The minimum APR is 3.25% and the maximum APR is 18%. Subject to credit approval. Standard rates apply.

    Interest Rate/APR: Prime Rate published in the Money Rates section of the Wall Street Journal. + 0.000% (currently 4.750%), subject to increase.
    Payment: Your Regular Payment will equal the amount of your accrued Finance Charges.
    Term: The draw period will extend to the first day of the month following execution of the loan documents plus ten (10) years.
    Balance Due at End of Loan Term:
    Closing Fees: $503.00
    Annual Fee: $60.00
    Mortgage Rates

    Rates Effective: 7.2.22
    Rates and points are subject to change without notice.
    Product Rate APR Points
    30 Year Fixed Rate
    Terms and Conditions
    5.625%5.676%0.000
    15 Year Fixed Rate
    Terms and Conditions
    5.000%5.085%0.000
    5/6 ARM SOFR
    Terms and Conditions
    5.000%4.518%0.250
    Jumbo 30 Year Fixed
    Terms and Conditions
    6.000%6.013%0.000

    Subject to credit approval. Standard rates apply. Title fees, as part of the closing costs, will vary by county. 

    Rates are subject to change at any time without notice. Rates and terms are not guaranteed until application is completed and rate is locked by a First American Bank mortgage loan representative. Rates and programs are subject to limitations. Call for program availability. All programs are fully amortized loans that require monthly payments of principal, interest, and any required escrow payments for the term of the loan. The above payments do not include amounts for taxes and insurance premiums. Therefore, the actual payment obligation will be greater. The exact monthly payment of a loan will vary depending on the term of the loan, the amount and the Annual Percentage Rate (APR) at the time of loan approval. APRs will vary due to the cost of PMI (if necessary), title company fees, loan points based on your credit score and actual loan amounts. Available loan amounts range from $30,000 to $2,000,000. Please call for rate information on loan amounts not shown in the table.

    Conventional Loan APRs: We assume a 25% down payment with no Private Mortgage Insurance (PMI) and based on payment for the full term.

    Jumbo Loan APRs: We assume a 30% down payment with no Private Mortgage Insurance (PMI) and based on payment for the full term.

    Adjustable Rate Mortgage (ARM) Loan APRs: Amortized for 30 years. The APRs shown are for the initial period and may increase after closing due to the movements of the interest rate index during the rate adjustment periods. Call for information regarding rate adjustment caps and margins.

    30 Year Fixed Rate

    The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $210,000 and an estimated property value of $285,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

    At a 5.625% interest rate, the APR for this loan type is 5.676%. The monthly payment schedule would be:

    • 359 payments of $1,208.87 at an interest rate of 5.625%
    • 1 payment of $1,207.05 at an interest rate of 5.625%

    If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

    15 Year Fixed Rate

    The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $210,000 and an estimated property value of $285,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

    At a 5.000% interest rate, the APR for this loan type is 5.085%. The monthly payment schedule would be:

    • 179 payments of $1,660.67 at an interest rate of 5.000%
    • 1 payment of $1,659.97 at an interest rate of 5.000%

    If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

    5/6 ARM SOFR

    The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $210,000 and an estimated property value of $285,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

    At a 5.000% initial interest rate, the APR for this loan type is 4.518%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

    • 60 payments of $1,127.33 at an interest rate of 5.000%
    • 299 payments of $1,031.24 at an interest rate of 4.125%
    • 1 payment of $1,030.50 at an interest rate of 4.125%

    If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

    Jumbo 30 Year Fixed

    The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $800,000 and an estimated property value of $1,200,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

    At a 6.000% interest rate, the APR for this loan type is 6.013%. The monthly payment schedule would be:

    • 359 payments of $4,796.35 at an interest rate of 6.000%
    • 1 payment of $4,797.28 at an interest rate of 6.000%

    If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

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