Stop Letting Credit Scores Define Your Naperville Future
You chose Naperville for a reason—the schools, the downtown, the community. A credit setback doesn't change who you are or what you've built. Let's get you into the home your family deserves.
Spring Market Is Heating Up
Naperville inventory is tight. Get pre-approved now so you're ready to move when the right home hits the market.
Joe Shalaby
Founder & Senior Loan Officer
NMLS #139369
"The western suburbs are full of successful professionals who've hit a temporary rough patch. Medical bills, business downturns, divorce—life happens. I've helped hundreds of families in Naperville and Hinsdale get past the credit score and into their homes. You're next."
The Western Suburbs Credit Reality
High Expectations, High Expenses
Naperville District 203. Hinsdale Central. Private school tuition. The lifestyle that comes with these communities isn't cheap—and credit cards often bridge the gap.
Corporate Relocations
McDonald's, Navistar, BP—the western suburbs are corporate headquarters central. Relocations often mean selling one home before buying another, creating temporary credit challenges.
Business Owner Challenges
Many Naperville residents are entrepreneurs. Business expenses on personal cards, irregular income, complex tax returns—we understand and know how to document it.
FHA Manual Underwriting
- Credit scores down to 500 FICO
- DuPage County limit: $524,225
- DTI up to 50% with compensating factors
- Gift funds allowed for down payment
VA Manual Underwriting
- No minimum credit score
- $0 down, no PMI
- No loan limit for eligible veterans
- Great Lakes Naval Station veterans
Recent Western Suburbs Closings
IT director at Argonne National Lab. Business venture went south, credit tanked. Denied by Chase and BMO Harris. Closed FHA in 24 days.
Navy veteran, now United pilot. Medical bills from service-related injury. $0 down, no PMI, closed in 22 days.
Consolidated $55k credit cards. Monthly payments dropped $1,650. Score recovered to 695 in 5 months.
Questions from Naperville Buyers
Can I get an FHA loan in Naperville with a 520 credit score?
Yes. We manually underwrite FHA loans down to 500 FICO in Naperville, Hinsdale, Oak Brook, and all western Chicago suburbs. Most local lenders require 620+, but manual underwriting evaluates your complete financial picture.
What's the FHA loan limit in DuPage County Illinois?
For 2025, the FHA limit in DuPage County is $524,225 for a single-family home. For higher amounts, we offer NON-QM options including asset depletion and bank statement loans up to $3.5M.