Licensed in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
524 Main St
Hazard, KY 41701
Thirty-eight years, and the pitch has not changed.
I am Dan Frio, NMLS #246527, a federally registered mortgage loan originator with PBT Bancorp, NMLS #257781, able to assist borrowers with mortgage financing nationwide. Most of my clients are in Chicago, Kane County and the Fox Valley, and most of them watched me explain rates on YouTube long before they ever picked up the phone.
How it works here
One application. One credit pull. Your file goes to more than 30 lenders, so you see where your loan actually prices instead of taking the first number somebody hands you. If a different program or a different lender serves you better, I will say so before you sign anything, including when the honest answer is that you should keep the loan you already have.
What I can place
Conventional, FHA, VA and USDA. First-time buyer programs and down payment assistance. DSCR loans on one to eight units, where the lease income qualifies you rather than your tax returns. Bank statement and stated income programs for self-employed borrowers. Renovation financing that rolls eligible repairs into the purchase. Reverse mortgages, home equity lines, and Buy Before You Sell for anyone who needs to make an offer that is not contingent on selling first.
If you would rather not get on a call
Not everyone wants to be walked through it. The DIY Mortgage path lets you check live rates, pull your own credit, complete the application and upload your documents on your own schedule. The file reaches my desk already built, and you hear from us the moment it lands.
Already have an offer from another lender?
Send me the Loan Estimate. I will read it line by line and tell you what it actually costs you, whether or not you end up working with me. No cost, and no credit pull.
Why the videos
I publish rate and housing market analysis on YouTube most days, to a channel of more than 40,000 subscribers. It keeps me honest: it is hard to shade the numbers for one client when you have spent the morning explaining the same numbers to everyone else. If you have watched the channel, you already know how I think about this.
I am Dan Frio, NMLS #246527, a federally registered mortgage loan originator with PBT Bancorp, NMLS #257781. Most of the people I work with are buying, refinancing or investing in Chicago and the western suburbs: Aurora, Naperville, St. Charles, Geneva, Batavia, Elgin and the rest of the Fox Valley. It is the market I know best, and it is where most of my clients and my audience live.
Rather than sending you to a single bank and hoping its pricing happens to suit your file, I put one application and one credit report in front of more than 30 lenders. You see where your loan actually prices across the market instead of accepting the first offer in front of you. If another lender or a different program serves you better, I say so before you sign anything.
Buyers in Aurora, Batavia, Geneva, St. Charles and Elgin are usually weighing an older home with real character against newer construction further out, and the financing question is rarely just the rate. It is whether repairs can be rolled into the purchase, whether a down payment assistance program applies, and whether the offer needs to be non-contingent to win. I can place renovation financing that covers eligible repairs alongside the purchase, first-time buyer programs, down payment assistance in the form of grants or second mortgages, and Buy Before You Sell for anyone who has to make an offer before their current home is sold.
Chicago is full of two-flats, three-flats and small multi-unit buildings that a conventional owner-occupied loan handles poorly. I finance investment property from one unit up to eight on DSCR, where the lease income qualifies the loan rather than your tax returns. Most lenders stop at four. For self-employed borrowers whose returns do not tell the whole story, bank statement and stated income programs are usually the better route.
If you already own, the questions are usually whether to touch the first mortgage at all, whether a home equity line is the cleaner answer, and what an all-in-one structure would actually do for you. I also originate reverse mortgages for homeowners 62 and older. In every one of those conversations the first thing I will tell you is when the answer is to leave your existing loan alone.
Send it to me and I will read it line by line and tell you what it really costs, whether or not you end up working with me. There is no cost and no credit pull for that review. If you would rather run the whole process yourself, the DIY Mortgage path lets you check live rates, pull your own credit, apply and upload documents on your own schedule.
All financing is subject to underwriting approval, property eligibility, and change without notice. Not all borrowers will qualify. Dan Frio, NMLS #246527 | PBT Bancorp, NMLS #257781. 524 Main St, Hazard, KY 41701. Equal Housing Opportunity.
Mortgage Advisor
TRU with Dan Frio | NMLS: 246527
