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Michael Bencks play

Michael Bencks

VP of Mortgage Lending [email protected] nmls#1202417 apply now

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Michael Bencks returns home, to Neighborhood Loans, with almost 15 years of residential lending experience to propel his long term passion for helping people achieve their dreams of home ownership. His experience in building relationships and dedication to helping people with their financial wellness are pillars of his business model. It is Michael’s enthusiasm for working with clients to achieve their goals that drew him to the mortgage lending industry after a long and successful career in medical devices. “I love investing in people and helping them purchase their dream-home, representing one of the largest investments in their lifetime. This is not just about closing the deal, but also understanding each client’s unique needs before we even begin their quest, to make sure everything is a perfect fit." Whether his clients are looking for their first condo, single family home, or investment property, or they’re seasoned homebuyers, Michael provides the same exceptional level of service to each person. “I want my clients to feel comfortable, well informed and have fun throughout process.” In his prior career, Michael successfully facilitated some of the most intricate and complex spinal and orthopedic surgeries with some of the top surgeons in the Chicagoland area. His experiences in navigating life-altering surgeries, building relationships with surgeons and hospital staff and finding a way to achieve the best outcomes for his patients enabled him to consistently rank as a top performer. He brings that same tenacity, attention to detail and dedication to every home financing decision. “My experience allows me to bring discipline and best-practices from the medical world to help provide individual and tailored service to my clients in the financial world.” After earning his finance degree from the University of Illinois Urbana/Champaign, where he grew up as a child, Michael established his roots in Chicagoland over 20 years ago and currently lives with his wife of 12 years and two beautiful young daughters in the Northern suburb of Lincolnshire. In his spare time he enjoys chasing around his 6 and 8 year old, traveling the world, playing golf, snowboarding and spending time with family and friends. “If given the opportunity to work with you on your home financing needs, I promise the experience and more importantly, the results, will be tailored to meet the needs of you and your family.”

Here's how we do things

Apply Online
Begin Home
Loan Submitted
to Processing
Clear to Close!

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.


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.


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.


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.


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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