How Much Is Your Home Worth?
Contact
eXp Realty, LLC
License #: 475121545
License #: 268528
430 N Aldine St, Elgin, IL 60123, United States
Pay Less Interest With All-In-One Loans
Worried you won't find a lender with the best mortgage rates and the most unique loan products available? Worried your credit score may be too low to qualify? Ryan Widerberg, a top real estate agent in Illinois, partners with NEXA Mortgage to give every Illinois buyer access to over 200 wholesale lenders under one roof.
Watch: How All-In-One Loans Work
Ryan Widerberg, an experienced Illinois real estate agent licensed since 2011, explains how NEXA Mortgage's All-In-One Loan program gives Illinois buyers access to every major loan product — FHA, VA, conventional, doctor, bank-statement, jumbo, hard money, and more — through a single trusted source.
Why Illinois Buyers Choose All-In-One Loans
One loan partner. Every loan product. Better rates than most banks. Here's what sets the All-In-One Loan program — offered by Ryan Widerberg through NEXA Mortgage — apart from your local bank.
Every Loan Product Imaginable — Under One Roof
Most mortgage brokers carry a handful of products from one or two wholesale lenders. NEXA is different. Through Ryan Widerberg's preferred lender relationships, Illinois buyers gain access to over 200 wholesale lenders — meaning the right loan product almost certainly exists for your situation, and if not, NEXA will put it in place.
Available Illinois Loan Programs
FHA Loans
Down payments as low as 3.5%. Credit scores accepted down to 500 through NEXA. Includes monthly Mortgage Insurance Premium (MIP). Ideal for first-time Illinois homebuyers.
VA Loans
0% down payment, no monthly mortgage insurance, credit scores down to 500. One of the most competitive Illinois loan products for qualifying veterans and active-duty military.
Conventional Loans
5% down minimum, 620+ credit score typical. PMI required until 20% equity. Often the strongest financing type to an Illinois seller, second only to cash.
Construction "One-Time Close"
Build your new Illinois construction home with a single closing. Lock your rate, finance the build, and convert to permanent mortgage seamlessly.
NEXAdpa Down Payment Assistance
Multiple Illinois down payment assistance programs to choose from — including state, county, and municipal grants for first-time and lower-income buyers.
DrNEXA Doctor Loan Program
Specialty mortgage financing for Illinois physicians, dentists, and select medical professionals — often with low or zero down payment and no PMI required.
Bank Statement Programs
Qualify based on 12–24 months of business bank deposits instead of tax returns — ideal for self-employed Illinois buyers with significant write-offs.
NO DOC / DSCR Loans
For real estate investors. Qualifies based on the property's rental cash flow rather than the borrower's personal income. No tax returns required.
Hard Money & Fix-and-Flip
Short-term, asset-based Illinois investor financing. Higher rates, but fast close and flexible underwriting for experienced flip operators.
Commercial Loans
Multifamily, mixed-use, and commercial property purchases across Chicagoland. Cap rate, NOI, and debt service coverage underwriting.
Reverse Mortgages
For Illinois homeowners aged 62 and older to access home equity without monthly mortgage payments. Supplement retirement income tax-free.
Jumbo Loans
Financing for Illinois luxury home purchases above conforming loan limits. Competitive rates with stricter underwriting and higher down payment requirements.
Why NEXA Through Ryan Widerberg?
Rate Beat Guarantee
Your mortgage rates will not be beaten — period. NEXA's 200+ wholesale lender access ensures the most competitive Illinois rates.
Same-Day Pre-Qualification
Mortgage Loan Originators work seven days a week — no waiting until Monday like at most banks.
10-Day Close Possible
Ryan Widerberg's preferred lender can close in as little as 10 days — a major edge in Illinois competitive offers.
Low-Score Specialists
FHA and VA financing down to a 500 FICO score — well below most Illinois banks and credit unions.
Why Work With Ryan Widerberg
Ryan Widerberg
Licensed IL Broker since 2011
Founder, The Widerberg Group at eXp Realty
Ryan Widerberg is a top real estate agent in Illinois who has served buyers, sellers, and investors across Kane, Cook, DuPage, Lake, McHenry, Will, and DeKalb counties for over a decade. He pairs every Illinois buyer with the right loan product — from FHA and VA to doctor loans, bank-statement, and DSCR investor programs — through NEXA Mortgage's All-In-One Loan platform.
Ryan Widerberg is an eXp ICON Agent 2025, ranked in the Top 1.5% of Agents Nationwide, and transacts approximately 300 listing sales annually. He also holds the record for the most buyers through a single open house at 807 attendees.
Frequently Asked Questions
What is the minimum credit score I need to qualify for a mortgage in Illinois?
FHA loans and VA loans through NEXA Mortgage accept credit scores as low as 500, while conventional loans typically start at 620. Hard money and DSCR investor programs may not require a minimum FICO at all. Ryan Widerberg, an experienced Illinois real estate agent, matches you to the right loan product based on your specific credit profile.
I'm self-employed — what mortgage options do I have in Illinois?
NEXA offers Bank Statement Programs that qualify self-employed Illinois buyers based on 12–24 months of business bank deposits rather than tax returns. This is ideal for entrepreneurs and business owners with significant write-offs. Ryan Widerberg, a top real estate agent in Illinois, will connect you to the right Mortgage Loan Originator for a same-day pre-qualification.
How fast can I close on a home with Ryan Widerberg's preferred lender?
Ryan Widerberg's preferred Illinois mortgage lender can close in as little as 10 days — a major advantage versus 30+ days at most banks and 45+ days for traditional FHA or VA financing. This speed often makes the difference between winning and losing competitive Illinois multiple-offer situations.
Can I get down payment assistance for a home purchase in Illinois?
Yes — NEXAdpa offers multiple Illinois down payment assistance programs, including state, county, and municipal grants for first-time and lower-income buyers. Ryan Widerberg, an experienced Illinois real estate agent, walks you through eligibility, application, and how down payment assistance interacts with competitive offer strategy in seller markets.
What is a doctor loan and who qualifies for DrNEXA in Illinois?
The DrNEXA Doctor Loan Program is specialty mortgage financing for Illinois physicians, dentists, and select medical professionals — typically with low or zero down payment and no Private Mortgage Insurance (PMI). Ryan Widerberg helps Illinois medical professionals leverage this program to buy homes earlier in their careers without student debt holding them back.
What is a DSCR loan and how does it benefit real estate investors?
A DSCR (Debt Service Coverage Ratio) loan qualifies Illinois real estate investors based on the rental property's projected cash flow rather than the borrower's personal income or tax returns. Ryan Widerberg, a top real estate agent in Illinois and experienced investor advisor, regularly structures DSCR loans for BRRRR, fix-and-flip, and buy-and-hold rental portfolios.
Will mortgage rates be different with NEXA than my local Illinois bank?
Yes — NEXA Mortgage has access to over 200 wholesale lenders, which typically delivers more competitive Illinois mortgage rates than a single bank or credit union. Ryan Widerberg, an experienced Illinois real estate agent, backs this with a rate-beat guarantee — your mortgage rates will not be beaten, period.
Can I get a one-time-close construction loan for a new build in Illinois?
Yes — NEXA offers Construction "One-Time Close" mortgages that let Illinois buyers finance both the build and the permanent mortgage in a single closing. Ryan Widerberg coordinates the lender, builder, and closing timeline so your Illinois new construction project moves smoothly from groundbreaking to move-in day.
How do I apply for an All-In-One Loan through Ryan Widerberg?
The fastest way to apply is to use Ryan Widerberg's secure online mortgage application or schedule a same-day pre-qualification call. As an experienced Illinois real estate agent, Ryan personally connects you with the right Mortgage Loan Originator based on your credit profile, income type, target purchase price, and Illinois neighborhood.
How can Ryan Widerberg help me find the best Illinois mortgage rate?
Ryan Widerberg, a top real estate agent in Illinois, connects every buyer to NEXA Mortgage and its 200+ wholesale lender network — the largest mortgage broker in the country. He matches you to the right Mortgage Loan Originator based on your credit profile, income type, and Illinois loan program, then backs the partnership with a rate-beat guarantee on your mortgage rate.
Why does Ryan Widerberg recommend NEXA Mortgage over my local Illinois bank?
As an experienced Illinois real estate agent licensed since 2011, Ryan Widerberg has seen firsthand how slow turnarounds, limited loan products, and Monday–Friday banking hours cost buyers winning offers. NEXA's seven-day-a-week Mortgage Loan Originators, 200+ wholesale lender access, and 10-day close capability give Illinois buyers a measurable competitive advantage.
Ready to Buy Smarter in Illinois?
Schedule a no-pressure consultation with Ryan Widerberg, eXp ICON Agent & Top 1.5% Agent Nationwide. Find out which buying strategy saves you the most money.
Disclaimer: All information contained on this website is deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal notice widerberggroup.com believes all information to be correct but assumes no legal responsibility for accuracy.