Our Mortgage Bankers
Friendly Service, Great Mortgage Rates and Expert Advice

At United Home Loans, we pride ourselves in our experienced mortgage bankers averaging over 10 years in the lending industry, as well as our loan approval staff averageing over 12 years in mortgage lending. It is our knowledgeable staff that has allowed us to close more than 7,500 loans since 2002 and continually exceed our clients’ expectations.

  Name/Title Contact Information
Mary Bazan Mary Bazan
Vice President - Mortgage Lending
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8314
mbazan@uhloans.com
Jacquie Casciani Jacquie Casciani
Mortgage Loan Processor
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8305
jcasciani@uhloans.com
Matt Cibula Matt Cibula
Mortgage Advisor | Principal
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office:
mcibula@uhloans.com
Kyle Cibula Kyle Cibula
Mortgage Banker
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: (708) 531-8332
kcibula@uhloans.com
Jeff Dulla Jeff Dulla
Mortgage Advisor | Principal
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: (708) 531-8322
jdulla@uhloans.com
Mike Dulla Mike Dulla
President
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: (708) 531-8317
mdulla@uhloans.com
Christine Gilfillan Christine Gilfillan
Mortgage Analyst
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8306
cgilfillan@uhloans.com
Heather Giordano Heather Giordano
Processing Supervisor
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: (708) 531-8311
hgiordano@uhloans.com
Evette Habinka Evette Habinka
Mortgage Loan Processor
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: (708) 531-8312
ehabinka@uhloans.com
Sarah Heinz Sarah Heinz
Controller
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8346
sheinz@uhloans.com
Zlatan Hodzic Zlatan Hodzic
Mortgage Banker
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8302
zhodzic@uhloans.com
Chris Kinsella Chris Kinsella
Senior Mortgage Banker
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8318
ckinsella@uhloans.com
Adam Merrick Adam Merrick
Mortgage Analyst
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8320
amerrick@uhloans.com
Jeff Modrowski Jeff Modrowski
Mortgage Loan Processor
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8350
jmodrowski@uhloans.com
Meg Pound Meg Pound
Mortgage Advisor | Principal
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: (708) 531-8345
mpound@uhloans.com
Kim Rasulo Kim Rasulo
Mortgage Banker
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: (708) 531-8321
krasulo@uhloans.com
Liz Saraceno Liz Saraceno
Mortgage Sales Assistant
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8328
lphipps@uhloans.com
Lou Scannicchio Lou Scannicchio
Director of Marketing
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: (708) 531-8347
lscannicchio@uhloans.com
Alicia Shereck Alicia Shereck

United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8310
ashereck@uhloans.com
Alise Sofiakis Alise Sofiakis
Mortgage Advisor | Principal
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: (708) 531-8316
asofiakis@uhloans.com
Sabrina Spence Sabrina Spence
Loan Closer
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8319
sspence@uhloans.com
Chris Ulrich Chris Ulrich
Mortgage Advisor | Principal
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: (708) 531-8324
culrich@uhloans.com
Bill Weldon Bill Weldon
Mortgage Banker
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8330
bweldon@uhloans.com
Lee Anne Wright Lee Anne Wright
Mortgage Banker
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: (630) 956-0037
lwright@uhloans.com
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Mortgage News

Jumbo Mortgage Loans in Illinois, Indiana, Michigan, Minnesota and Wisconsin with Only 5% Down - Posted September 24, 2014

Jumbo Mortgage Loans in Illinois, Indiana, Michigan, Minnesota and Wisconsin with Only 5% Down

United Home Loans has just introduced a jumbo mortgage loan with only 5% down.  So, if you are purchasing a property in Illinois, Indiana, Michigan, Minnesota or Wisconsin and the price is $680,000 or less, we can provide a mortgage at a loan to value of 95%.  This jumbo mortgage loan requires excellent credit (scores of 740 or higher) and proof that you have sufficient income to cover the mortgage payments.  In addition, the property must be your primary residence.

The 5% down option is available for loan amounts to $650,000.  Available jumbo loan programs are the 10/1, 7/1 and 5/1 ARMs.  Basically, that means the interest rate is fixed for 10, 7 or 5 years respectively and then adjusts on an annual basis.  Contact our office for specific ARM parameters such as the margin, index and interest rate caps.

Reasons to Only Put Down 5%

Some buyers may cringe when they read this and think this loan program is too aggressive.  However, there are a few good reasons why a borrower may want to only put down 5% even if they have more saved.  Some of them are as follows:

Funds for remodeling – let’s face it, some homes need updating; by only putting down 5%, you can save the rest of your money for needed remodeling or other improvements.

Lack of funds due to sale of current residence – while the real estate market has seen a marked improvement, home values in some Midwest markets are still 15% to 20% below their all-time highs; so if you are making a lot less on the sale of your current residence, this program helps you get into a new home now to take advantage of low interest rates and home prices that are still below their all-time highs set way back in 2006.

Keeping funds in other investments – check with you financial advisor first but sometimes, it makes sense to put less down and keep your money working for you; obviously, the stock market has been on a tear lately.

Down Payment Requirements

Below is a list of down payment requirements for jumbo loan programs offered by United Home Loans.  There could be exceptions to these so please contact our office for specific up to date information (example: we will occasionally lend more than $1,000,000 with down payments of only 10%). 

Down Payment                   Maximum Loan Amount                 Minimum Credit Score                    Occupancy

5%                                               $650,000                                               740                                    Primary

10%                                            $1,000,000                                             740                                    Primary

20%                                            $2,000,000                                             700                                    Primary 



Please contact United Home Loans for additional information regarding jumbo mortgage loans for second or vacation homes. Call us at (708) 531-8388 or see how much you can be pre-approved for with our quick calculator.        

 


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Testimonials
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' If I ever refi again, I will call United Home Loans right off the bat. They gave us a very competititve rate without any bait/switch games. Jeff ... more '
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by JohnKarakis
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' Jeff Dulla at United Home Loans and his associates were professional and a pleasure to do business with. All aspects of the loan process went ... more '
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' Kim R. at United Home Loans was exceptional in following through on every detail of my refinance. I have already recommended her to a friend and will ... more '
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