Enter To Win Bears Tickets!
Enter To Win Bears Tickets!
Close this offer
Enter To Win Bears Tickets!

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
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
Neil Kapoor Neil Kapoor
Mortgage Banker
United Home Loans
 
4 Westbrook Corporate Center, Suite 650
Westchester, IL
Office: 708-531-8315
nkapoor@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
Just 30 Seconds to Start! Fast & secure. No obligation. No social security number required.

--Choose A Goal--



--Select State--

--Choose A Goal--


3.5%

--Choose A State--

Mortgage News

Mortgage Pre-Approvals Explained - Posted August 13, 2014

Mortgage pre-approvals have been a hot topic for the real estate market these days.  Many real estate agents will not even show you a home unless you have a pre-approval.  But what is a pre-approval? When should you apply for one?  Are they all created equal?

What is a mortgage pre-approval?
This is a key question because even within the mortgage industry itself, lenders may disagree on what constitutes a mortgage pre-approval.  To United Home Loans, this means a licensed mortgage originator has taken an application complete with employment, income and asset information.  In addition, the lender has obtained your credit report from one of their approved credit reporting vendors.  Borrowers cannot assume they have great credit – there are too many cases to count where a client has forgotten about a parking ticket which has gone to collection or a department store credit card where they missed a payment. 

When should you obtain a mortgage pre-approval?
Too often, borrowers apply for a mortgage pre-approval after they begin their home search.  This is too late.  If you have a minor credit issue, a mortgage lender may be able to help you fix it but this takes time.  Also, you may be looking in a price point that is either way over or under your budget.  We think it is a smart idea to get your pre-approval before you even begin looking at homes on line.

Are all pre-approvals the same?
The simple answer is no.  Beware of the lender that issues you a mortgage pre-approval without pulling your credit report and reviewing your income and asset documentation.  Here is what you should be asked for when seeking a pre-approval:

  • Two most recent pay stubs
  • Last two years W2s and federal tax returns
  • Two most recent bank and investment statements   

If you are not providing these items, you are receiving an incomplete pre-approval and you could definitely be subject to surprises prior to closing, such as a delayed closing or not closing at all. 

How long does it take to issue a pre-approval?
Most pre-approvals should be issued within 24 hours of receipt of your credit report and supporting documentation.  Sometimes, pre-approvals can be issued the same day but be careful with the pre-approvals that come too fast – the lender may not have done their due diligence.


Is a pre-approval the same as an approval?
No.  Even a very thorough pre-approval is not a commitment to lend as it is issued by a mortgage loan originator / loan officer and not an underwriter.  Be prepared to provide additional conditions once your loan is fully underwritten and approved by the lender’s underwriting department.  

Bottom line is this – do your homework when it comes to pre-approvals and do no cut corners.  It can definitely cost you in the end.  Call United Home Loans directly at (708) 531-8388 to get pre-approved today or visit our quick pre-approval form to find out how much you can be approved for. Click Here

 


Read more mortgage blogs…

Testimonials
184238
' 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 '
5.0/5.0
by JohnKarakis
180632
' 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 '
5.0/5.0
by user461003
171603
' 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 '
5.0/5.0
by user174676