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YOUR MORTGAGE
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Joe Berrios

Joe Berrios

Senior Mortgage Loan Officer [email protected] nmls#218365
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our core values

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Joe Berrios has almost 2 decades of mortgage origination experience, and has seen the business from all sides of the spectrum. Born and raised in Chicago, Joe has not only been ranked in the 10% of Fundings with his previous employer, but was also ranked #54 in the nation for the Top 250 National Association of Hispanic Realtors loan originators, of which he has been a board member of the Chicago Chapter for the organization going on 3 years. While Joe’s accomplishments speak to his successes, he continues to make his number one priority servicing his clients and treating everyone like they were part of his family, and that is how he and his partner want to run their business.

Here's how we do things

Apply Online
Get
Pre-Approved
Begin Home
Search
Loan Submitted
to Processing
Clear to Close!
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Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.

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Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.

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Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.

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This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.

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After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.

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