Loan programs
Every program, one straight answer each.
Content reviewed September 2026. Guidelines change; Arthur confirms current details for your scenario.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — parts of McHenry, Kane, DeKalb, Kendall and Grundy counties qualify, and most Chicago-area buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Illinois has real down payment help — IHDA programs can put thousands toward your down payment and closing costs for qualified buyers.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Arthur will show you. When it doesn’t, he’ll tell you.
Learn more →Not sure which one?
That’s the job. Tell Arthur what you’re trying to do and he’ll tell you which program fits — and why.
💬 Text 847-912-6580Have a question? Just ask Arthur.
No pressure, no jargon, no obligation — just a straight answer from someone who’s been doing this since 2005. Text, call, or apply whenever you’re ready.