Most Illinois homebuyers go straight to their bank and leave thousands on the table. MacLagan Home Loans does things differently. As a top-rated Illinois mortgage broker with access to 120+ lenders, we compare rates, simplify the process, and find the right loan for your specific situation. From conventional and FHA loans for first-time buyers to DSCR and bank statement loans for self-employed borrowers and investors, we serve all of Illinois with a 97% approval rate and an average close time of just 21 days.
First-Time Buyers
Homeowners Refinancing
Real Estate Investors
Self-Employed Borrowers
Simple Process
How It Works
From your first question to your closing day — here’s exactly what to expect when you work with MacLagan Home Loans.
01
Take the 60-Second Survey
No credit pull. No SSN. Just a few quick questions about your goals.
02
Alex Reviews Your Profile
Alex personally compares options across 120+ lenders to find your best rate.
03
Choose Your Best Loan Option
We present your options clearly — no jargon, no pressure. You choose what works best.
04
Close in 21 Days
We handle the paperwork and coordinate everything. You get the keys.
01
Take the 60-Second Survey
No credit pull. No SSN. Just a few quick questions about your goals.
02
Alex Reviews Your Profile
Alex personally compares options across 120+ lenders to find your best rate.
03
Choose Your Best Loan Option
No jargon, no pressure. We present your options clearly — you choose what works best.
04
Close in 21 Days
We handle the paperwork and coordinate everything. You get the keys.
Know Your Options & Get Pre-Approved with Our Quick & Easy Tools
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Get your FREE Pre−Approval Letter
Find out how much home you can afford by getting pre-approved for your next home loan now.
Rates are competitive — so it’s a great time to buy! We’ll help you apply for, compare, and choose a home purchase loan that makes your dream home an affordable reality.
Refinance Made Simple
Take advantage of today’s great terms to significantly lower your monthly payment, the interest you pay over the life of your loan, or both. How will you use the money we put back in your pocket?
Compare Rates
You wouldn’t accept the first offer at the car lot, so don’t just take your first mortgage offer. Use our rate comparison tool to shop around and find the terms that work best for you.
Quick Close Guaranteed
Other lenders giving you the runaround? Our fast funding options mean you’ll never miss out on the house you want.
Evaluate Your Property
Know where you stand. With your up-to-date property evaluation in hand, you’ll be better equipped to choose the loan terms that fit your goals.
Get a Cash-Out Refinance
Take advantage of your home’s equity with a cash-out refinance — and put your home loan to work for you.
Secure Your Mortgage In Just 21 Days
Our process is fast, but never one-size-fits-all. Apply in minutes and get tailored loan options with hands-on support every step of the way. Most of our clients close in 21 days or less—with clarity and confidence.
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Pick the Right Home Purchase Loan for You
Becoming a homeowner all depends on finding the best possible loan scenario for your unique situation. We’re here to help you make that choice.
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Accomplish Your Strategic Refinance
Want some financial wiggle room? Planning to upgrade your home? We’ll help you choose a refinance rate that saves you meaningful money. What you do with it is up to you.
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Shop Around for the Best Rate
As the potential homeowner, You hold all the power. Before signing your first loan offer, browse our rate comparisons to make sure you’re getting the best deal and the right-fit terms.
Why Choose Us
Why MacLagan Home Loans?
In business since 2019 · Licensed in AZ, IL, MN, & WI · BBB Accredited
97%
Approval Rate
120+
Lender Network
21
Day Avg. Close
500+
Min. FICO Score
120+ Lender Access
We shop your loan across 120+ wholesale lenders to find you the lowest rate — something your bank can never do.
Close in 21 Days
Our streamlined process eliminates delays. Most clients close in 21 days or less — so you never miss the home you want.
97% Approval Rate
Turned down elsewhere? We specialize in finding solutions for complex borrowers — self-employed, investors, and low FICO.
DSCR & Investor Loans
Qualify based on rental income — no W2 or tax returns required. AirBnB loans and fix & flip financing available.
Bank Statement Loans
Self-employed? Qualify using 12 or 24 months of bank statements — no tax returns required.
FICO Starting at 500
Low credit score doesn’t mean no options. We have programs starting at 500 FICO — more paths to homeownership.
What Our Clients Say About Working With MacLagan Home Loans
Real clients. Real closings. Real results across Illinois and the Chicago suburbs.
★★★★★
“I found Alex via ChatGPT while shopping around for rates and he was able to give me a great 30Y fixed rate that other major lenders could not match…”
“I found Alex via ChatGPT while shopping around for rates and he was able to give me a great 30Y fixed rate that other major lenders could not match. He was also very easy to work with from start to finish and made the process of purchasing our first home in Chicago, IL very straightforward and smooth. We’ll definitely be reaching out to him again for any subsequent purchases!”
ET
Eric Tjandra
Chicago, IL · Home Purchase
★★★★★
“I found Alex via Google and boy am I glad I did. Best communicator, incredibly fast and easy to work with…”
“I found Alex via Google and boy am I glad I did. Best communicator, incredibly fast and easy to work with. You’d be silly not to choose him to refinance or start a new mortgage. Huge fan!”
AK
Alex Kowalsky
Illinois · Refinance
★★★★★
“We would not have been able to get our house if it had not been for Alex. He was on top of everything we needed throughout the entire process…”
“We would not have been able to get our house if it had not been for Alex. He was on top of everything we needed throughout the entire process. The purchase of our house was a complicated one and Alex walked with us through it all and came through in a huge way. I would highly recommend Alex to anyone.”
Since founding MacLagan Home Loans in 2019, I’ve built a reputation as one of Illinois’ most trusted mortgage advisors, helping first-time buyers, seasoned homeowners, and real estate investors secure the right financing, at the right rate, on the right timeline.
With access to 120+ wholesale lenders and firsthand experience as a real estate investor, I bring a level of market insight that most brokers simply can’t match. My clients don’t just get a loan. They get a strategic financing partner who’s invested in their success from application to closing table.
Experience & Expertise
120+ wholesale lenders — more options, better rates
Conventional, FHA, VA, DSCR, jumbo & bank statement loans
97% approval rate · Average close time of 21 days
Licensed in Illinois, Wisconsin, Arizona & Minnesota
5-star rated · BBB Accredited · Closing loans since 2019
Credentials & Licensing
NMLS
#1912744
In Business
Since 2019
Licensed In
IL · WI · AZ · MN
BBB
Accredited
Google Rating
5.0 ★★★★★
Approval Rate
97%
Areas We Serve
Finding the right mortgage broker near me shouldn’t be hard. At MacLagan Home Loans, we’ve helped hundreds of Illinois families secure great rates and stress-free closings. We proudly serve Cook, Lake, DuPage, Will, Kane, and McHenry counties—so no matter where you live in Chicagoland, expert mortgage help is always close to home.
Service Area
Areas We Serve Across Illinois
MacLagan Home Loans proudly serves homebuyers and homeowners throughout the Chicago suburbs and all of Illinois. Wherever you’re buying, we’ll find the right loan for your situation.
