Business Details
Your Trusted Mortgage Partner in Des Plaines, IL
At Mega Mortgage Services, we believe there is a better way to approach mortgagesa more valuable, less invasive method that prioritizes customer needs, builds community, and earns lasting brand loyalty. Our team understands that every situation is unique, and we never offer one-size-fits-all solutions. We work closely with clients to ensure they are fully informed of their options, empowering them to make the best decisions. Our core values drive everything we do, from simplifying complex financial tasks to maintaining transparency and integrity in every interaction. With decades of combined experience, our team of certified mortgage professionals delivers personalized guidance through every step of the home buying or refinancing process.We specialize in conventional, FHA, jumbo, and VA loans, offering competitive rates and tailored advice to first-time buyers, experienced homeowners, and investors alike. Our commitment to excellence is reflected in our 24/7 client support, streamlined online tools, and a proven track record of helping clients achieve their homeownership goals. We operate with full transparency, no hidden fees, and a dedication to exceeding industry standards. As a trusted partner in the Chicago area, we combine local market expertise with national lending capabilities to provide solutions that truly meet our clients' needs.
Services
Conventional Purchase
FHA Purchase
Jumbo Loan Purchase
VA Purchase
Conventional Refinancing
FHA Refinancing
Jumbo Loan Refinancing
VA Refinancing
Mortgage Calculators
Loan Consultation
Highlights and features
- We offer 30+ years of combined mortgage industry experience
- Our team provides personalized loan solutions for unique financial situations
- We guarantee transparent pricing with no hidden fees
- Our clients receive 24/7 dedicated mortgage consultation support
- We maintain a 98% client satisfaction rate across 1,000+ successful closings
Associations and certifications
- NMLS ID: 379626
- Illinois Residential Mortgage Licensee MB.6760788
- Michigan License FL0022151
- Florida License MBR4359
What people say
Excellent customer service
Knowledgeable professionals
Transparent process
Competitive rates
Timely communication
Services
Conventional Purchase
Conventional purchase loans offer flexible terms for homebuyers with strong credit profiles. These mortgages provide competitive rates with down payments starting at 3% for qualified borrowers. Our team helps clients navigate loan limits up to $1,474,400 for multi-unit properties while ensuring clear understanding of all requirements and documentation needed for approval.
FHA Purchase
FHA purchase loans enable low down payments and easier credit qualifying for first-time homebuyers. With options requiring just 3.5% down and minimum 580 credit scores, our specialists guide clients through the benefits of government-insured financing while explaining all program requirements and eligibility criteria.
Jumbo Loan Purchase
Jumbo loans cater to high-value property purchases exceeding conventional loan limits. Our experts provide competitive rates for premium properties, with personalized underwriting considerations for unique financial situations and documentation requirements specific to luxury home acquisitions.
VA Purchase
VA purchase loans offer zero-down financing for qualified military personnel and veterans. Our certified specialists explain eligibility requirements, assist with documentation, and ensure clients understand the benefits of VA-guaranteed mortgages including no private mortgage insurance requirements.
Mortgage Refinancing
Our refinancing solutions help homeowners reduce monthly payments or access equity. From conventional to FHA streamline options, we analyze current market conditions and client financial situations to determine optimal refinance strategies with clear explanations of closing costs and potential savings.
People
Artur Bartosik
Mortgage Lender
Experienced mortgage professional with 15+ years in residential lending. Specializes in conventional, FHA, and VA loans. Known for clear communication and personalized financial solutions. Holds NMLS certification #379626.
Voytek
Senior Mortgage Consultant
Dedicated mortgage advisor with expertise in jumbo loans and investment property financing. Provides tailored solutions for complex financial scenarios. Recognized for exceptional client support throughout the loan process.
John Staw
Mortgage Lender
Certified mortgage professional specializing in first-time homebuyer programs. Assists clients with down payment assistance options and credit improvement strategies. Maintains active NMLS licensing.
Sarah White
Broker Coordinator
Experienced loan coordinator managing client documentation and processing timelines. Ensures smooth communication between borrowers, underwriters, and closing teams. Recognized for organizational excellence.
Dan Moore
Mortgage Processor
Detail-oriented mortgage processor handling loan documentation verification. Specializes in FHA and VA loan requirements. Maintains compliance with federal and state lending regulations.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with 3.5% down, conventional loans with 3% down, and VA loans requiring no down payment. Our specialists explain all first-time buyer programs and eligibility requirements.
How do I determine which mortgage type suits my needs?
Our certified loan officers analyze your financial situation, homeownership goals, and credit profile to recommend optimal mortgage solutions during personalized consultation sessions.
What documents are needed for mortgage pre-approval?
Basic pre-approval requires income verification, asset statements, and credit authorization. Our team provides specific checklists based on your chosen loan program and financial circumstances.
Can I refinance with bad credit?
FHA streamline refinancing options exist for borrowers with lower credit scores. Our specialists evaluate your current loan terms and credit situation to determine viable refinance options.
How long does the mortgage process take?
Typical loan processing takes 30-45 days. Our team expedites documentation collection and maintains communication with all parties to ensure timely closings.
Do you offer online mortgage tools?
Yes, our website provides mortgage calculators, rate checkers, and secure document submission portals. These tools help clients estimate payments and track loan progress 24/7.
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