Your Local CHICAGO Lender

Looking to Buy a Home or Refinance your current Home?

Down Payment Assistance Specialist!

Looking to buy a Condo?

The Condo Corner is a 1 stop shop for everything related to buying a condo. From all the costs, to HOA’s, what types of loans to get and everything in between.

Who is?

Mark A Werley

 Lenders are not created equal!

You are not just another deal, you are family. I enjoy getting to know my families buying homes. I care about what you want and what you are comfortable with. We don’t just speak about numbers, we go over a game plan to make you comfortable with the home buying process and what to expect. I want to know any concerns you have and educate you as much as you want to be educated on this process. As my realtors know, I will move heaven and earth to help you get into a home. Its a huge moment in your life! Lets treat it that way!

With over 20 years of experience, there isn’t much Mark and his team have not seen. We specialize in hard to do loans, and savings loans from lenders who drop the ball. In as little as 5 days we have turned a file from submission to closing! With that experience comes the knowledge of knowing the process in various markets. From previous to the crash of 2008, to modern lending. We are diverse in knowing the guidelines. You can rest assured that I will always be here to answer any questions years from now.

Everybody has their own unique situation, and that is what I specialize in. When we talk, I want to hear about you and what you want. I want my clients to be educated on the home buying journey. You are spending a lot of money to live in your dream home. You should know how it works. There are many loan programs out there, my goal is to find the program and loan that fits you!

Truth is in information, I’m very transparent, I’ll tell you what you have to hear. If there are things to work on, we work on them together!

Down Payment Assistance: As a Down Payment Assistance Specialist, I focus on every way possible to help buyers get a home while not emptying out their savings to get it. There are a lot of various DPA products out there and we can go over all of them to see which fits you best. Stop letting a high down payment stop or scare you away from home ownership. There are even situations where I have handed a check to the buyers at closing instead of them bringing in funds to close. Credit scores only have to be at 600, and since every situation is unique it’s always a great conversation to have!

Purchases: From the standard purchase to those contracts that have bumps in the road. The experience on Mark’s side can help you the homeowner get the keys to your dream home! Our main goal is to REMOVE any guesswork of you getting to the closing table. With his experience, we can solve any issues that might come up during the Underwriting process, by getting them solved before you go look at a home! This way when you do go under contract, you can sit back and relax knowing we wont have any surprises. You’re biggest concern should be the color you want to paint the walls!

Refinance: However, it doesn’t stop there if you just want to lower your rate or take cash out for that rehab project. These are all options on the table when reaching out. Rest assured that you are in good hands. There will never be “pressure” from my team for you to do anything. If you want to simply run numbers and see if its worth it. Please call me, if there is no genuine value, I will be first to tell you.

2nd Set of Eyes: If you are with a current lender and would like a second opinion without the struggle of being “sold” on why its better to switch, please reach out. We can do a no pressure analysis of your current offer.

You find the home. We’ll handle the loan. Working with a Lender who cares can change your home buying experience.

State Licenses

(IL) ILLINOIS

031.0035039

(IN) INDIANA

44848

(WI) WISCONSIN

432172

(FL) FLORIDA

LO84872

(NC) North Carolina

I-226145

(GA) GEORGIA

432172

(TX) TEXAS

(CA) CALIFORNIA

CA-DBO432172

A Few of our Loan Options:

Purchase / New Construction

The majority of Americans still believe a 20% down payment is required to buy a home. This is simply not true. New construction is also easier than you think.

Refinance

To refinance a mortgage means to replace an existing mortgage loan with a new one. With a refinance, the principal balance of the existing loan is paid-in-full using the balance of the new loan.

Property Investor

Becoming an investor is easier than you think. With various loan types for Fix and flips based on ARV. We can finance nearly any project.

Commercial

We are not limited to only residential properties. If you want to purchase a commercial or Mixed use building. We have products for that. This also includes any building 5 units and over.

Conventional Loan

A Conventional loan is a loan that is not backed by a federal agency, but instead backed by private lenders such as Fannie Mae or Freddie Mac.

FHA Loan

An FHA Loan is a mortgage that’s insured by the Federal Housing Administration.

VA Loan

VA loans are designed specifically for veterans. VA loans should only be issued by a VA-approved lender and are guaranteed by the federal government.

Jumbo / Super Jumbo

A Jumbo & Super Jumbo loan is a loan that falls outside of the conforming loan limits.

Buying a home in 6 easy steps!

Step 1: Initial Consultation

The first contact with Mark or a member of his team via email, phone or in person, is to discuss your goals for home ownership. This first contact may cover how long you plan on living in the home, the amount of down payment you will need, and how much you want your monthly payments to be.

Step 2: Pre-Qualification - This is when you go Look for your dream home!!!

A “Pre-qualification” determines how much money you will be eligible to borrow for your home before you actually fill out your loan application. We are looking at 3 primary things. Income, credit and down payment. We will go over what the home buying process looks like and what is required. As well as going over any issues that may prevent you from buying.

*A pre-qualification is not an approval of credit and does not signify that underwriting requirements have been met.

Step 3: Processing - This is when you have a fully executed Contract on your dream home!

When you have completed a loan application, we will collect all your required documents and submits your loan file to our loan processor. The processor then reviews your file and orders your property appraisal. Once your loan file is completed, the processor will then submit it to Geneva Financial Team underwriting for approval.

Step 4: Underwriting - Getting to a CTC! (Clear to Close!)

Our Geneva Financial Team underwriter reviews your loan file to ensure all guidelines are met for the specific loan program and issues a loan decision. Once your mortgage has been approved and all conditions have been cleared, your loan is now in the “Clear to Close” status. These are the magical words everybody loves to hear!

Step 5: Pre-Closing

You will receive a final closing disclosure during this process that we will review with you and go over all fee’s. This way at the closing table there are no surprises. Final balancing with the title company are taken care of and closing is scheduled through the attorneys.

Step 6: Closing Day!

The time is here! During closing, you will be required to sign a variety of final documents. Make sure you bring a photo ID (Drivers License or Passport) along with the proper form of payment to cover your down payment, closing costs, prepaid interest, taxes, insurance or any additional costs. When the closing documents are completed and all funds have been disbursed by the title company, you will receive the keys to your new home!

Homebuyers Guide

FREE CHECKLISTS

Documentation is what a loan is built on. In order to start your mortgage application, you will need to gather the following standard documentation.

DO's & DON'TS

The Do’s and Don’ts are serious. This list helps the Mark Anthony Mortgage Team to ensure during the loan processing that your credit and qualification information does not change during the process and possibly affect your ability to be approved for your home loan

HOMEOWNERSHIP BENEFITS

The Mark Anthony Mortgage Team helps individuals and families reach the American Dream of homeownership every day. For all of us, owning a home is an exciting investment and definitely comes with many benefits.

Our Vision

Our mission at the Mark Anthony Mortgage Team is to approach every aspect of the mortgage transaction from the “inside-out”. With a culture-forward mindset, we focus on our loan originators and support staff first in order to ensure an unbeatable experience for our customers.

Our Core Values were created as a daily reminder to operate with the inside-out approach in mind. Core Value #1 is the backbone of all our Core Values, our mission and our brand.

Do I need to have a house picked out first?

No! That’s a common misconception that you need to have a house selected first. We actually recommend for you to figure out how much you can purchase then select a home prior to home shopping. If you contact us and we can help you get pre-qualified at no cost to you.

Do I need to put 20% as a down payment?

No! We have many programs that can do less than 20%. Some of our mortgage finance programs allow for 3% to 4% down payment. If you would like to know your additional options, please contact us today!

What is a VA Home Loan (Mortgage)

VA loans are designed specifically for veterans. VA loans should only be issued by a VA-approved lender and are guaranteed by the federal government.

Do I need to have an excellent credit score to purchase or refinance?

NO. There are multiple national and state down payment assistance programs with credit score requirements as low as 620 and some income maximums nearing $90k

Full Mortgage FAQ