ABS Funding

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ABS Funding Mortgages Made Simple. Trusted for 20+ years, let us help you! We love to help clients with the biggest purchase in their life.

We offer FHA, VA, Conforming and Jumbo products. Located in Illinois, Florida & Texas

Fix your credit before you make an offer, not after.Two files on my desk right now. Details generalized.One is a convent...
10/08/2026

Fix your credit before you make an offer, not after.

Two files on my desk right now. Details generalized.

One is a conventional purchase, already under contract. The borrower's middle score across the three bureaus was 735. We also pulled a VantageScore, and it came back at 740. The rate was already locked, and we were able to update the pricing using the new scores. The monthly mortgage insurance improved too. It won't go that way on every file. Some come back lower.

The other is a pre-approval where the scores came in low. We gave the borrower a plan: pay down specific credit card balances, then re-run the scores. If they land where we expect, they should be able to qualify for the house they want. We'll know after the re-run.

Since Sep 9, lenders that sell to Fannie Mae and Freddie Mac can use VantageScore 4.0 instead of Classic FICO.* Your lender picks the model. Under either one, paying on time and keeping card balances low do most of the work.

Earlier is easier. You still apply, ideally before you start house hunting. Then I read your credit with you: what's holding it down, which fixes matter, and how long each one takes. A better score can help you qualify, lower your mortgage insurance cost or improve your rate. It's not a promise of any of those.

Full guide: https://absmtg.com/blog/improve-credit-score-mortgage-vantagescore-2026

Save this and send it to whoever you're buying with. Call 1-866-666-BEST (2378).

— Bhupesh Saggar
NMLS #221364
ABS Home Mortgage, Inc. · NMLS #209985 · Equal Housing Lender

*Fannie Mae/Freddie Mac loans; eligibility varies by loan program (conventional and VA now, FHA expected Jan 1, 2027). As of Oct 1, 2026. Subject to change. Examples are generalized to protect client privacy; both loans are in process and outcomes are not final. Results vary and no timeline is guaranteed. Full disclosures in the first comment.

The self-employed trap, in two sentences:Your accountant's entire job is to minimize your taxable income. Then a lender ...
10/08/2026

The self-employed trap, in two sentences:

Your accountant's entire job is to minimize your taxable income. Then a lender uses that exact number to decide whether you can afford a house.

You can run a profitable business for ten years, employ people, never miss a payment — and get declined by a system that reads one line on a tax return.

What actually works:
→ Bank statement loans — qualify on deposits
→ P&L programs — CPA-prepared statements
→ Asset depletion — qualify on assets
→ 1099 programs — contractors and commission

Straight talk on the trade-off: these price above conventional. But the real comparison isn't Non-QM versus conventional. It's Non-QM versus not buying the house.

Comment "SELF-EMPLOYED" below and I'll tell you where you stand.

📞 1-866-666-BEST
NMLS #209985 | Equal Housing Lender
Full disclosures in the first comment.

#1099

Jumbo has an outdated reputation.People still think it means a huge down payment, a spotless file, and a bank that makes...
10/07/2026

Jumbo has an outdated reputation.

People still think it means a huge down payment, a spotless file, and a bank that makes you feel like you're asking for a favor.

What's actually true now: low-down-payment jumbo structures exist. Self-employed income works with the right documentation. Terms are competitive, not punitive.

But here's the thing that decides jumbo files — jumbo isn't one product. It's a category. Every investor writes different guidelines. The exact same borrower gets declined by one and approved by another.

Which means on jumbo, who you shop with matters more than on any other loan type. A bank shops you one rulebook. We shop dozens.

If you've been declined on a jumbo, that was one opinion. Comment "JUMBO" below and we'll take a second look.

📞 1-866-666-BEST
NMLS #209985 | Equal Housing Lender
Full disclosures in the first comment.

You finished residency with more debt than most people's mortgages and a starting salary that makes it entirely manageab...
10/06/2026

You finished residency with more debt than most people's mortgages and a starting salary that makes it entirely manageable.

Standard underwriting doesn't see that. It sees the debt number, calculates a ratio, and stops reading.

Physician loan programs exist for exactly this gap. They handle student debt differently. Many let you qualify on a signed employment contract — before your first paycheck. Low-down-payment structures without standard mortgage insurance.

And it isn't only MDs. DO, DDS, DMD, DVM, and in a lot of cases PA, NP, pharmacists and attorneys. Residents and fellows too.

The part people miss: you can usually start before the job starts. Most people learn that about three months too late.

Signed a contract? Let's talk now, not three weeks before you move.

Comment "DOCTOR" below and we'll map out your timeline.

📞 1-866-666-BEST
NMLS #209985 | Equal Housing Lender
Full disclosures in the first comment.

Agents — when your buyer loses a multiple-offer, it usually isn't the price.It's that the listing agent didn't believe t...
10/05/2026

Agents — when your buyer loses a multiple-offer, it usually isn't the price.

It's that the listing agent didn't believe the pre-approval.

There are three kinds:
1️⃣ The instant online letter. A calculator with a logo on it.
2️⃣ A loan officer glanced at a paystub.
3️⃣ Underwriter-reviewed. Credit pulled. Income and assets verified.

Only #3 wins a competitive offer. And here's the part that decides it: the listing agent is going to call the lender. If nobody picks up, your buyer just lost.

We answer. Including weekends. And we call the listing agent ourselves before you have to ask.

That's the whole edge. It isn't complicated. It's just rare.

Comment "PARTNER" below for a 15-minute call.

📞 1-866-666-BEST
NMLS #209985 | Equal Housing Lender
Full disclosures in the first comment.

Three things veterans tell me that aren't true:"I already used my VA loan." — Entitlement can often be restored or reuse...
10/02/2026

Three things veterans tell me that aren't true:

"I already used my VA loan." — Entitlement can often be restored or reused. Using it once doesn't burn it forever.

"Sellers won't take a VA offer." — That reputation is about appraisal timelines, not the loan. Work with a lender who actually closes fast and it stops being an objection.

"It takes too long." — Timeline is a lender problem, not a VA problem. Ask any lender what their average purchase close actually is, and whether that's their average or their best case.

No down payment required for eligible borrowers. No monthly mortgage insurance. There is a VA funding fee on most VA loans — one time, usually rolled into the loan, and plenty of borrowers are exempt, most often for a service-connected disability rating. All three of those are true at once, and the third one is the one nobody mentions.

Thank you for your service. Now let's actually use the benefit.

Comment "VA" below for an eligibility check.

📞 1-866-666-BEST
NMLS #209985 | Equal Housing Lender | Not a commitment to lend. Eligibility and credit approval required.
Full disclosures in the first comment.

Every investor hits the same wall.You write off everything you legally can — that's the whole point — and then a lender ...
10/01/2026

Every investor hits the same wall.

You write off everything you legally can — that's the whole point — and then a lender looks at your tax returns and says your income is too low. The strategy that built your wealth becomes the reason you can't finance the next door.

DSCR loans skip that entirely. The property qualifies itself. If the rent covers the debt service, you're in the conversation.

Investors with write-offs. Buyers past the conventional property limit. Short-term rentals. LLC purchases.

It prices higher than conventional and reserves are real — it's a tool, not a magic trick. But it's how portfolios actually scale past door number four.

Comment "DSCR" below and we'll take it from there. Don't post the address publicly — we'll ask for it privately.

📞 1-866-666-BEST
NMLS #209985 | Equal Housing Lender
Full disclosures in the first comment.

"My credit's not good enough."I hear this from people whose credit is fine. They heard a number from a friend, or a big ...
09/30/2026

"My credit's not good enough."

I hear this from people whose credit is fine. They heard a number from a friend, or a big bank turned them down once, and they stopped asking.

FHA exists exactly for this. Government-backed, built for real credit histories — rebuilt credit, thin files, gift funds from family, a non-occupant co-borrower.

Is there a trade-off? Yes. FHA mortgage insurance usually stays for the life of the loan. That's a real cost and I'm not going to pretend otherwise. But "own it now with a trade-off you can refinance out of later" beats "rent for four more years" more often than people expect.

You cannot know until someone actually looks at your file.

Comment "FHA" below and we'll take a real look at yours.

📞 1-866-666-BEST
NMLS #209985 | Equal Housing Lender
Full disclosures in the first comment.

The 20% down payment rule is the single most expensive piece of bad advice in real estate.It keeps people renting for ye...
09/29/2026

The 20% down payment rule is the single most expensive piece of bad advice in real estate.

It keeps people renting for years while they chase a number that was never a requirement — just a way to skip mortgage insurance.

Low-down-payment conventional options exist. For repeat buyers too, not just first-timers. And unlike some loan types, conventional mortgage insurance isn't forever.

The question isn't "do I have 20%." It's "what does waiting actually cost me."

We'll run both numbers with you. Free, no pressure, real human on the phone.

Want the breakdown? Comment "CONVENTIONAL" below and we'll send it over.

📞 1-866-666-BEST | absmtg.com
NMLS #209985 | Equal Housing Lender
Full disclosures in the first comment.

Everyone asks me "what's the rate?" — wrong first question. 👆 These 5 levers move your monthly payment more than chasing...
09/23/2026

Everyone asks me "what's the rate?" — wrong first question. 👆 These 5 levers move your monthly payment more than chasing a slightly lower rate. Which one surprised you?

Address

1730 Park Street
Naperville, IL
60563

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 1pm
Sunday 9am - 9pm

Telephone

+16303571600

Website

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