Daniel Lawton Mortgage Loan Officer NMLS# 1184452

Daniel Lawton Mortgage Loan Officer NMLS# 1184452 Mortgage expert with 14+ years of experience helping clients build wealth through homeownership and real estate investing.

Licensed in multiple states with financing solutions for every stage. Owner of mortgage education website: MortgageDownLow.com

Your first mortgage payment is usually due on the first day of the month after closing, often allowing for several weeks...
06/08/2026

Your first mortgage payment is usually due on the first day of the month after closing, often allowing for several weeks before your first payment is required.

For example, if you close in the middle of March, your first payment may not be due until May 1st. This timing can give buyers a little breathing room while settling into their new home.

Keep in mind that timelines and loan structures can vary depending on your lender, loan type, and location, so it’s always important to confirm the details specific to your purchase.

Understanding these small details ahead of time can help you plan your finances more confidently throughout the buying process.

Have questions about mortgages or buying a home? Let's connect for guidance tailored to your situation!

Mortgage rates will always fluctuate, and while many buyers hope for rates to return to historic lows, the reality is th...
06/06/2026

Mortgage rates will always fluctuate, and while many buyers hope for rates to return to historic lows, the reality is that timing the market perfectly is nearly impossible.

What matters most is whether today’s decision aligns with your financial goals, budget, and long-term plans. It’s making a smart, informed decision that works for your long-term goals.

Want to explore what buying could look like in today’s market? Let’s connect and talk strategy.

May was a whirlwind, and we're already off to a great start in June after helping another client close on their first ho...
06/02/2026

May was a whirlwind, and we're already off to a great start in June after helping another client close on their first home yesterday!

A few highlights from May:

🏡 3 First-Time Homebuyers
• 1 utilizing IHDA Down Payment Assistance

📈 3 Investment Property Loans
• 2 DSCR loans
• 1 Hard Money Renovation loan

💰 2 Home Equity Loans
• Self-employed borrowers qualified using bank statement income

The variety of lending solutions available today is incredible, and having access to the right products can make all the difference for borrowers and investors alike.

Self-employed and been told "no" before? Don't miss out on the opportunity to buy a home, refinance, or access your equity. Traditional tax returns aren't the only way to qualify. Give me a call, and let's find the lending solution that fits your situation.

I'm grateful for the opportunity to help clients achieve their homeownership and investment goals, and I'm looking forward to helping even more families and investors find financial success through real estate.



Equal Housing Lender | NMLS # 1184452 ILMB # 6761095

June is National Homeownership Month, and it’s a powerful reminder of why this work matters. 🏡 Helping clients step into...
06/01/2026

June is National Homeownership Month, and it’s a powerful reminder of why this work matters. 🏡 Helping clients step into a place they can truly call home never gets old.

From first-time buyers to move-up moves and forever homes, every closing marks the start of a new chapter.

If homeownership is one of your goals this year, let’s create a plan to make it happen.

The Loan Estimate is one of the most important documents in the homebuying process. It gives a clear breakdown of what y...
05/30/2026

The Loan Estimate is one of the most important documents in the homebuying process. It gives a clear breakdown of what your mortgage will actually cost.

Here’s what to look for:

📊 Loan Terms – Your loan amount, interest rate, and monthly principal + interest
💰 Projected Payments – Estimated total monthly payment, including taxes and insurance
🧾 Costs at Closing – Fees and expenses due at closing
🏦 Initial Escrow – Funds collected upfront for taxes and insurance
➕ Cash to Close – The total amount you’ll need to bring to closing

Reviewing this document carefully helps avoid surprises and ensures everything aligns with your expectations.

Let’s walk through your Loan Estimate together so you can move forward with clarity and confidence.

Today we honor and remember those who made the ultimate sacrifice for our country. Their bravery and selflessness will n...
05/25/2026

Today we honor and remember those who made the ultimate sacrifice for our country. Their bravery and selflessness will never be forgotten.

Exploring a co-signer can help strengthen a mortgage application, but it’s important to understand how it works.A co-sig...
05/23/2026

Exploring a co-signer can help strengthen a mortgage application, but it’s important to understand how it works.

A co-signer is someone who agrees to share responsibility for the loan, which can help:
📊 Strengthen your application with additional income or credit support
💰 Improve loan terms or increase purchasing power
✅ Provide added confidence to the approval process

However, it’s a shared commitment. The co-signer is equally responsible for the loan, and the mortgage will appear on their financial profile as well.

Understanding both the benefits and responsibilities is key before moving forward.

Reach out to explore whether a co-signer fits your situation and how it could impact your homebuying journey.

If you could choose one standout feature for your dream home, what would it be?🌿 A spacious backyard for entertaining an...
05/18/2026

If you could choose one standout feature for your dream home, what would it be?

🌿 A spacious backyard for entertaining and relaxing
🍳 A chef’s kitchen designed for cooking and gathering
🌅 A bedroom terrace for quiet mornings and sunset views

Each one brings a different kind of lifestyle—outdoor living, hosting, or personal retreat.

Which would you choose? Drop your pick below and see what others are loving.

Address

14912 Eastern Avenue #120
Plainfield, IL
60544

Opening Hours

Monday 7am - 11pm
Tuesday 7am - 11pm
Wednesday 7am - 11pm
Thursday 7am - 11pm
Friday 7am - 11pm
Saturday 8am - 5pm
Sunday 8am - 5pm

Telephone

+16302264221

Website

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