Why use Jim Hickey as your Mortgage & Realtor Professional ?

I am a Licensed Mortgage Loan Officer and CEO of Advantage Lending Group, d/b/a ALG Bancorp. I am also a licensed Realtor, and have held numerous licenses such as Bond/Stock Broker, and Hedge Fund Manager. I can help with your personal home loan and also any investment projects that you may be thinking or dreaming of. I am committed to making your experience a Great One! I live for Referrals!

We are currently Licensed in Ilinois & Florida, awaiting approval in a dozen more.

Determining Your Mortgage Interest Rate

Understandably, one of the first questions we’re asked from potential borrowers is “What will my interest rate be?” But the final interest rate on your new loan will be based on your past credit history, the loan-to-value (LTV) of the property, and other risk components associated with the deal. And before we can provide a valid financial quote we’ll need to work together to build a suitable package for the lender or investor to underwrite. The final rates and terms you receive will be based largely on you – the borrower.

In addition to interest rates there are other factors you should consider if your goal is to obtain the best overall financial package and return on your property as an investment. For example, the terms of a mortgage loan can be just as important as the interest rate.

Get your loan fast!

Welcome to Jim Hickey's website, a "frustration-free zone" where we get you started toward qualifying and applying for a mortgage loan. I can get you approved in record time! That's because I take advantage of the very latest and best automated tools to speed you hassle-free toward your new home, new mortgage or home equity cash!

You've earned your home equity. Make it count! Use our calculators and other tools to see how much you can borrow according to what you want to pay. I not only use technology but our experience to make cashing that check just around the corner.

Want to refinance a current mortgage and strike while the rates are hot? We offer several lock-in periods and bring your loan home from application to signing on the dotted line with time to spare. You don't want to wait to start saving on your interest rate and monthly payment, and we won't make you!

Shopping for a home? Thinking about it? Get prequalified by one of our mortgage professionals. You'll have the clout of a cash buyer. You'll know how much you can afford. And be well on your way to the mortgage program that's right for you as soon as you make the offer!

Whatever your reason for wanting a mortgage loan, we get you there fast -- without taking our eye off the ball. You want a quick, not sloppy, application process! We understand and deliver the best service as well as the fastest.

Every day after you apply is a day you want to be paying a lower monthly payment, spending your home equity cash or moving into your dream home! We don't waste time -- we get you where you want to go. Use this site to help you find out what the best options are for you, then come meet one of our mortgage professionals.