Juan F. Lopez
Oficial de préstamos hipotecarios, NMLS #190679
¿Cómo puedo ayudarle a lograr sus objetivos de comprar una vivienda?
Dado que confió en el oficial de préstamos de First American Bank en Chicago, Illinois, mi misión es brindarle un servicio de atención al cliente excepcional. Seré su guía en cada instancia del proceso de préstamo para vivienda y le daré mi apoyo desde la preaprobación de crédito hipotecario hasta la aprobación previa, durante todo el camino hasta su fecha de cierre. Como socia en su proceso de financiación para vivienda, le proporcionaré una variedad de programas de préstamos hipotecarios para satisfacer sus necesidades individuales, ya sea que esté buscando una hipoteca a tasa fija o ajustable (ARM). Me comprometo a mantenerlo informado en todo el proceso del préstamo hipotecario, y estoy disponible para responder preguntas, explicarle las opciones y eliminar las dificultades y preocupaciones en el trayecto. Si es una persona que compra su primera vivienda o un comprador experimentado, puede confiar todas sus necesidades de financiación para vivienda a mí y mi equipo.
No dude en comunicarse conmigo con la información de contacto directo que se encuentra en esta página. ¡Valoro su negocio y espero con ansias poder trabajar juntos!
Trabajé en el área metropolitana de Chicago durante más de 20 años. Me considero un verdadero residente del área metropolitana de Chicago porque crecí en Chicago y fui a la facultad local de la Universidad de DePaul, donde me gradué en finanzas. Mi educación y experiencia en hipotecas contribuyeron al crecimiento de mi estado de emprendedor de negocios. Abrí Network Mortgage y, después de 22 años de éxito, decidí que era momento de enfocarme más en ayudar a los consumidores. Para mí, el servicio de atención al cliente nunca debe verse comprometido. Brindar un servicio de atención al cliente incomparable es la base de mis principios. Mi deseo de establecer y mantener relaciones fuertes con mis clientes es mi máxima prioridad.
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| Product | Rate | APR |
|---|---|---|
Home Equity Line of Credit Terms and Conditions | 6.750% | 6.750% |
Not available for investment properties or properties located in Texas, New York, Alaska, or Hawaii- 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 the month. 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 - $75 annual fee thereafter. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood hazard insurance may be required. If you refinance, close or terminate your HELOC for any reason within 36 months of opening your HELOC, you may have to pay an Early Cancellation Fee of (i) two percent (2.00%) of your credit limit within the first twelve (12) months of opening your HELOC, or (ii) $750 between thirteen (13) and thirty-six (36) months of opening your HELOC. This Early Cancellation Fee applies where applicable by state law. Subject to credit approval.
*UP TO $2,000 IN CLOSING COST CREDIT: Third Party Fees and Charges ranging from $500 to $3,100 may be assessed for HELOCs under $250,000 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 elect electronic statements within the first statement cycle, we will pay up to $2,000 of the third party fees and charges associated with closing on your HELOC, including, but not limited to, appraisal, title, flood, credit report, stamp & tax, and recording fees (collectively, “Third Party Fees and Charges”). 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. This provision does not apply to loans secured by investment properties or to loans that fall outside our standard product, rate, term and underwriting guidelines.
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: $662.00
Annual Fee: $75.00
| Product | Rate | APR | Points |
|---|---|---|---|
30 Year Fixed Rate Terms and Conditions | 6.375% | 6.516% | 0.000 |
15 Year Fixed Rate Terms and Conditions | 5.750% | 5.979% | 0.000 |
Jumbo 30 Year Fixed Terms and Conditions | 6.750% | 6.775% | 0.000 |
Federal VA 30 Year Fixed Rate Terms and Conditions | 6.125% | 6.454% | 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. Not available on collateral properties located in Texas, New York, Alaska, and Hawaii. 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.
At a 6.375% interest rate, the APR for this loan type is 6.516%. The monthly payment schedule would be:
- 359 payments of $1,310.13 at an interest rate of 6.375%
- 1 payment of $1,308.90 at an interest rate of 6.375%
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.
At a 5.750% interest rate, the APR for this loan type is 5.979%. The monthly payment schedule would be:
- 179 payments of $1,743.86 at an interest rate of 5.750%
- 1 payment of $1,744.07 at an interest rate of 5.750%
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.
At a 6.750% interest rate, the APR for this loan type is 6.775%. The monthly payment schedule would be:
- 359 payments of $9,728.97 at an interest rate of 6.750%
- 1 payment of $9,729.49 at an interest rate of 6.750%
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.
At a 6.125% interest rate, the APR for this loan type is 6.454%. The monthly payment schedule would be:
- 359 payments of $1,076.61 at an interest rate of 6.125%
- 1 payment of $1,075.47 at an interest rate of 6.125%
The actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Juan is an absolute consummate (adj), customer oriented professional. II would not hesitate reaching out to him in the future need for mortgage financing. He personalizes the entire experience; unique to the industry, he doesn't hand off the work to another associate, personally following through on all communication, and every step of the loan process.
Juan is meticulous. In a polite way, gets all the information necessary for whatever loan you want.
Working with Juan has been an awesome experience from the start. He has been professional, honest, and forthcoming throughout the entire process. He responds to inquiries in a timely manner. He loves helping people, and it shows in the quality of his work. I would recommend him to anyone looking to buy or refinance.
Experienced and very professional I highly recommend Mr. Lopez and American First
