Chicagoland Home Mortgage Services, Ron Ricchio- President

Chicagoland Home Mortgage Services, Ron Ricchio- President My name is Ron Ricchio NMLS 283808 and I am the President of Chicagoland Home Mortgage Services NMLS 283361.
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I been originating mortgages for the past 31 years (1991) and have had my own company for 22 years (2001). My team and I pride ourselves on making the mortgage process as hassle free as possible. We also consistently offer lower rates and or closing costs than our larger competitors. “Building Relationships for Life”, is our company motto and something that I strive for each and every day. I am a

DePaul University graduate (1991), with a bachelor’s of Commerce. I am on the board of directors of the San Francesco Di Paola, (a religious charitable organization) and my family and I also started a toy drive (Ricchio Family Toy Drive) that supports Ann & Robert H. Lurie Children’s Hospital and Loyola’s Ronald McDonald Children’s Hospital. Chicagoland Home mortgage also donates a percentage of its profits to various pediatric cancer organizations, as well as food for the poor and clean water projects in underdeveloped countries.

Underwriting is not only about your finances. The property itself is reviewed as well.The appraisal confirms the home’s ...
03/30/2026

Underwriting is not only about your finances. The property itself is reviewed as well.

The appraisal confirms the home’s value supports the purchase price, and the property must meet basic loan requirements.

This protects both you and the lender.

Full article here:
https://ronmortgage.com/what-underwriting-really-looks-for-in-a-mortgage-loan/

Thinking about buying, refinancing, or exploring HELOCs? I’m here to help.

📞 Call: 630-670-8745
📧 Email: [email protected]
🌐 Website: www.ronmortgage.com

📍 Address:
10555 W. Cermak Road, Suite 2, Westchester, IL 60154

🔢 NMLS ID: 283808
🏢 Company NMLS: 283361

🔗 Verify at: www.nmlsconsumer.org

Your debt-to-income ratio helps determine whether your mortgage payment fits comfortably within your financial picture.E...
03/27/2026

Your debt-to-income ratio helps determine whether your mortgage payment fits comfortably within your financial picture.

Even small new obligations, such as a car payment or financed purchase, can change this ratio and affect approval.

That is why staying financially consistent during underwriting is so important.

Learn more here:
https://ronmortgage.com/what-underwriting-really-looks-for-in-a-mortgage-loan/

Thinking about buying, refinancing, or exploring HELOCs? I’m here to help.

📞 Call: 630-670-8745
📧 Email: [email protected]
🌐 Website: www.ronmortgage.com

📍 Address:
10555 W. Cermak Road, Suite 2
Westchester, IL 60154

🔢 NMLS ID: 283808
🏢 Company NMLS: 283361

🔗 Verify at: www.nmlsconsumer.org

Underwriters are not just reviewing how much you earn. They are reviewing how stable and predictable your income is.Rece...
03/26/2026

Underwriters are not just reviewing how much you earn. They are reviewing how stable and predictable your income is.

Recent job changes, commission income, or gaps in employment may require additional documentation.

The more consistent your income appears, the smoother underwriting tends to be.

Full breakdown here:
https://ronmortgage.com/what-underwriting-really-looks-for-in-a-mortgage-loan/

Thinking about buying, refinancing, or exploring HELOCs? I’m here to help.

📞 Call: 630-670-8745
📧 Email: [email protected]
🌐 Website: www.ronmortgage.com
📍 Address:
10555 W. Cermak Road, Suite 2
Westchester, IL 60154
🔢 NMLS ID: 283808
🏢 Company NMLS: 283361

🔗 Verify at: www.nmlsconsumer.org

Proactive, clear, and completely seamless.Home financing, done right. 🔑Thank you, Mansi, for the recommendation!
03/25/2026

Proactive, clear, and completely seamless.

Home financing, done right. 🔑

Thank you, Mansi, for the recommendation!

Underwriting is one of the most misunderstood steps in the mortgage process.It is not designed to deny your loan. It is ...
03/23/2026

Underwriting is one of the most misunderstood steps in the mortgage process.

It is not designed to deny your loan. It is simply the stage where your financial details are carefully verified to ensure everything aligns with lending guidelines.

Understanding this step helps remove the fear and replace it with clarity.

Learn more here:
https://ronmortgage.com/what-underwriting-really-looks-for-in-a-mortgage-loan/

Thinking about buying, refinancing, or exploring HELOCs? I’m here to help.

📞 Call: 630-670-8745
📧 Email: [email protected]
🌐 Website: www.ronmortgage.com

📍 Address:
10555 W. Cermak Road, Suite 2
Westchester, IL 60154
🔢 NMLS ID: 283808
🏢 Company NMLS: 283361

🔗 Verify at: www.nmlsconsumer.org

Saving money is smart — but large unexplained deposits can create problems during underwriting.Lenders must verify where...
03/20/2026

Saving money is smart — but large unexplained deposits can create problems during underwriting.

Lenders must verify where your funds come from. If you receive a gift, bonus, or transfer money between accounts, let your mortgage advisor know ahead of time so it’s properly documented.

Clear paperwork keeps closing on schedule.

Thinking about buying, refinancing, or exploring HELOCs? I’m here to help.

📞 Call: 630-670-8745
📧 Email: [email protected]
🌐 Website: www.ronmortgage.com

📍 Address:
10555 W. Cermak Road, Suite 2
Westchester, IL 60154
🔢 NMLS ID: 283808
🏢 Company NMLS: 283361

🔗 Verify at: www.nmlsconsumer.org

Learn more here: https://ronmortgage.com/common-mistakes-to-avoid-after-pre-approval/

Fantastic service made easy.Thanks for the love, Michelle! 🌟
03/18/2026

Fantastic service made easy.

Thanks for the love, Michelle! 🌟

Pre-approval does not mean your credit stops being reviewed.Missing a payment or increasing balances on your credit card...
03/16/2026

Pre-approval does not mean your credit stops being reviewed.

Missing a payment or increasing balances on your credit cards can impact your score right before closing. Continue making all payments on time and avoid new financial changes.
Consistency is key from pre-approval to closing day.

Thinking about buying, refinancing, or exploring HELOCs? I’m here to help.

📞 Call: 630-670-8745
📧 Email: [email protected]
🌐 Website: www.ronmortgage.com

📍 Address:
10555 W. Cermak Road, Suite 2
Westchester, IL 60154
🔢 NMLS ID: 283808
🏢 Company NMLS: 283361

🔗 Verify at: www.nmlsconsumer.org

Learn more here: https://ronmortgage.com/common-mistakes-to-avoid-after-pre-approval/

Even a higher-paying job can complicate your loan approval.Lenders look for stable and predictable income. Switching ind...
03/13/2026

Even a higher-paying job can complicate your loan approval.

Lenders look for stable and predictable income. Switching industries, moving to commission pay, or becoming self-employed can require additional review.

If you’re considering a career move, talk with your mortgage professional first to protect your approval.

Thinking about buying, refinancing, or exploring HELOCs? I’m here to help.
📞 Call: 630-670-8745
📧 Email: [email protected]
🌐 Website: www.ronmortgage.com

📍 Address:
10555 W. Cermak Road, Suite 2
Westchester, IL 60154
🔢 NMLS ID: 283808
🏢 Company NMLS: 283361

🔗 Verify at: www.nmlsconsumer.org

Learn more here: https://ronmortgage.com/common-mistakes-to-avoid-after-pre-approval/

03/12/2026

Support, clarity, and continued learning today at Power Lunch. Thank you to our agents and our speaker Chicagoland Home Mortgage Services, Ron Ricchio- President for the insight!

Responsive, professional, and always dependable, that’s how we work. 💼Thank you, Jennifer, for the wonderful feedback! ...
03/11/2026

Responsive, professional, and always dependable, that’s how we work. 💼

Thank you, Jennifer, for the wonderful feedback!

Address

10555 W. Cermak Road Suite 2
Westchester, IL
60154

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17735571000

Website

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