Estimate your monthly mortgage payment, including the principal and interest, property taxes, and HOA. Adjust the values to generate a more accurate rate.
Real Estate Experience. Financing Expertise. One Trusted Advisor.
Aaron Gaines is a Mortgage Loan Originator, Top 1% REALTOR®, Finance & Wealth Coach, and national television host who brings a unique perspective to the mortgage process—combining years of real-world real estate experience with access to a broad range of financing solutions.
Whether you're buying your first home, moving up, refinancing, accessing equity, renovating, or building an investment portfolio, Aaron's approach goes beyond simply getting a loan approved. He takes the time to understand your goals, evaluate your options, and help structure financing that makes sense for both where you are today and where you're trying to go.
From traditional Conventional, FHA, VA, and USDA financing to down payment assistance, HELOCs, renovation loans, investor financing, DSCR, Non-QM, hard money, private money, and more, the goal is simple: provide more options, more education, and a better path forward.
Because financing isn't just about getting to the closing table. It's about making informed financial decisions that help you build your Lifestyle & Legacy.
AG ADVANTAGE
Get pre-approved with NO impact to your credit score.
No minimum credit score required for DSCR, Conventional, or VA financing.
Conventional & VA buyers can waive financing contingencies and submit full cash offers — without changing their terms.
National Homebuyer Fund grants & DPA available toward down payment and closing costs.
Don't qualify yet? Our complimentary credit improvement service saves clients hundreds versus traditional repair.
Residential, commercial, and private capital — all under one roof.
Product Playbook · 2026
STANDARD
Down payments from 3%. DTI up to 50%. Fannie Mae has NO minimum credit score. Fixed and adjustable terms available.
STANDARD
Credit scores accepted as low as 500. Flexible down payment — ideal for first-time buyers and credit-flexible borrowers.
STANDARD
Zero down for eligible service members. No monthly mortgage insurance. NO minimum credit score required.
STANDARD
100% financing for qualified buyers in designated rural areas. Income limits apply.
STANDARD
For high-cost properties. As little as 10% down. No mortgage insurance required.
SPECIALTY
Low-down-payment options with reduced mortgage insurance for creditworthy LMI buyers.
SPECIALTY
Qualify using income from an ADU, or roll ADU construction costs into a rate-and-term refinance.
SPECIALTY
Qualify using vested restricted stock units as part of your income or asset profile.
SPECIALTY
Partnerships with select banks providing affordable financing options for eligible LMI borrowers.
GOVERNMENT
Buy select revitalization-area homes at 50% off by committing to live there for 3 years.
GOVERNMENT
Purchase eligible HUD-owned properties with as little as $100 down using FHA financing.
GOVERNMENT
Exclusive financing for properties on Native American land, for enrolled members of federally recognized tribes.
Tailored financing for self-employed borrowers, investors, and clients whose income doesn't fit a W-2. Loan amounts up to $4M. Recent credit events allowed.
NON-QM
Self-employed income qualification using personal or business bank statements. Up to $4M. Recent credit events accepted.
INVESTOR
Investment property qualification based on rental income — NOT personal income. No income docs. NO minimum credit score.
NON-QM
Get approved based solely on your assets. No employment or income required.
NON-QM
Flexible income documentation using 1099s or accountant-prepared profit & loss statements.
NON-QM
Qualify with a written employment verification — no income docs required.
NON-QM
Options for borrowers without an SSN. 15% minimum down. Primary residence only. Full Doc, Bank Statement & 1099 options.
INVESTOR
Financing for vacation or investment properties in the US — even without US residency, employment, or credit history.
SPECIALTY
SSN & ITIN holders can purchase with as little as 3.5% down + 1 month deposit. Day 1 from Ch. 7 or 13 BK allowed. Refinance to take full ownership early.
STATE
Up to $15,000 for qualified first-time buyers in Illinois. 640+ credit score. Income limits apply. FHA, USDA, Conventional & VA.
FHA
580 minimum score. Up to 3.5% assistance covers the FHA minimum down payment. Caps at $19,632. Repayable over 10 years. No income limits.
FHA
620 minimum score. Up to 3.5% assistance, forgiven over 10 years. Caps at $19,632. No income limits.
FHA
600 minimum score. Up to 5% assistance ($28,045 cap) for down payment and/or closing costs. No income limits.
NATIONAL
DPA programs paired with FHA loans, offering repayable or forgivable second-mortgage options for eligible buyers.
AGENCY
We work with state and local housing finance agencies to provide down payment assistance and affordable loan options.
Stay In · Move Up · Cash Out.
RENOVATION
Finance a purchase or refinance and renovations in a single loan — primary, secondary, and investment properties.
RENOVATION
Combine renovation costs with a purchase or refinance. Great for buyers looking to improve and personalize their property.
RENOVATION
Government-backed option that lets homeowners roll renovation expenses into their FHA loan.
RENOVATION
Eligible Veterans can finance home improvements alongside their VA purchase or refinance.
EQUITY
Second mortgage that lets homeowners borrow additional funds while keeping their first mortgage in place.
EQUITY
Home equity line of credit designed for property improvements.
EQUITY
For homeowners 55+ with an existing first mortgage in good standing. Access additional equity without refinancing.
REVERSE
FHA product. 62+ years old. Access to equity on primary residences.
REVERSE
Available to borrowers 55+. Loan amounts up to $4M. Ideal for higher-value home equity access.
NMLS# 1660690
5559 S Sossaman Rd Bldg 1 Ste 101
Mesa, AZ 85212
This is not a commitment to lend. All loans subject to credit approval. Equal Housing Opportunity
ADDRESS 16101 108TH AVE ORLAND PARK IL 60467
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Reach out now for a fast response and personal assistance.
ADDRESS 16101 108TH AVE ORLAND PARK IL 60467
SEND A MESSAGE
Reach out now for a fast response and personal assistance.
