Preferred Lender for Chicago Area Realtors

Send Us Your Clients.
We Close Deals &
Protect Your Reputation.

At National Home Mortgage, we built a mortgage system specifically designed around the realtor experience. Transparent communication, organized processing, and zero surprises — so you look like the hero every time.

Become a Partner Agent See How We Work
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26
Years of Experience
24hr
Pre-Qual Turnaround
10+
Loan Programs
100%
Bilingual Team
3
States Licensed
$0
Lost Deals to Disorganization
The Agent's Pain Point

We Know What's Been
Hurting Your Business.

Every agent has a story: a referral lost, a deal that fell apart, a client who blamed them for the lender's mistakes. We built NHM to eliminate all of it.

  • 🔕
    No Communication After Referral You sent the client and then heard nothing for weeks. No updates, no status — just silence.
  • 📁
    Disorganized File Management Documents get lost, conditions pile up, and your client is confused about what they need to provide.
  • ⚠️
    Surprise Conditions at Closing Last-minute underwriting conditions that should have been caught on day one — now threatening your deal.
  • 🗣️
    Toxic Internal Processing Culture Tension between the LO and processor bleeds into the client experience. Everyone suffers.
  • 💔
    Your Client Blames You The lender drops the ball, but the client holds you responsible. Your referrals dry up.
The NHM Commitment
to Every Agent
  • You receive a status update at every milestone — guaranteed
  • Your client's file is set up, organized, and tracked from Day 1
  • Issues are identified before submission, not at closing
  • Our team operates with professionalism and calm under pressure
  • Clear timelines so you can plan and manage your client's expectations
  • We treat your client like family — because your reputation is at stake
  • Bilingual support for your Spanish-speaking clients — no language barriers
  • You're never left wondering. We pick up the phone.
Proven System

Our 6-Step Client
Care System

Every referral follows the same organized, predictable path — from first contact to closing table.

📋
Step 01
Intake & Borrower Consultation
Within 24 hours of your referral, we conduct a thorough consultation — income, credit, goals, and timeline. We set realistic expectations from day one.
📂
Step 02
Document Collection & File Setup
We collect everything required upfront. No chasing documents at 5pm before closing. Clean files from the start mean clean approvals.
🔍
Step 03
Underwriting Review & Submission
Our dedicated processor packages and submits a complete, audit-ready file. We anticipate underwriter questions before they're asked.
📊
Step 04
Milestone Reports to You & Client
Application → Approval → Appraisal → CTC. You and your client receive a status update at every key stage. No surprises, no silence.
✅
Step 05
Clear to Close — On Schedule
We issue CTC on the agreed timeline. Conditions are resolved quickly because we planned for them. Your closing date is protected.
🏠
Step 06
Closing Day & Post-Close Follow-Up
Smooth, prepared, and on time. After closing, we follow up with your client — because a happy client today means a future referral tomorrow.
What This Means for You
Protect Your Relationships Your referred clients return to you as lifelong customers because their experience was seamless.
Manage Expectations Confidently You always know what stage the file is at, so you can communicate with confidence to your client.
Grow Your Referral Business Clients who have a great lending experience send their friends back to the agent who made it happen.
More Closings, Less Stress A clean process means fewer fall-throughs, fewer headaches, and more commission checks.
Bilingual Client Support Reach more of Chicago's Spanish-speaking buyers without worrying about communication barriers.
Programs We Offer Clients
FHA Conventional DSCR ITIN Non-QM Jumbo Renovation HELOC
Agent Communication System

You'll Always Know
Exactly Where Things Stand.

We don't wait for you to chase us. Our system keeps you informed without you having to ask a single question.

📱
Direct Access — Always
David and our team are reachable by phone, text, and email. You will never be sent to a voicemail system or a call center. Real people, real answers, fast response times — that's our standard.
📅
Milestone Status Reports
You receive a formal status update at every key stage: intake complete, approval issued, appraisal ordered, conditions cleared, clear to close issued. No guessing. No chasing. Just clarity.
🌐
Bilingual Communication
Our entire team operates fluently in English and Spanish. Your Spanish-speaking clients are served in their language with full clarity and respect — eliminating miscommunication that sinks deals.
🛡️
Issue Prevention, Not Fire-Fighting
We review files for underwriting red flags before submission. Credit issues, employment gaps, bank statement questions — we solve these proactively so they never become last-minute emergencies.
📊
Transparent Timeline Management
At the start of every file, we map out a realistic closing timeline and share it with you. If anything changes, you're the first to know — not the last. Your schedule is respected.
🤝
A Team That Acts Like Partners
Our processors, loan assistants, and loan officers work together with professionalism and mutual respect. That positive internal culture flows directly to your client's experience. No toxicity, no drama — just results.
Loan Programs

We Can Finance Almost
Any Buyer You Refer.

From first-time buyers to seasoned investors, we have the products to serve your full client base — including buyers others turn away.

🏠
FHA Loans
🏛️
Conventional
📈
DSCR / Investor
🌎
ITIN Loans
💼
Non-QM / Bank Stmt
🏗️
Renovation Loans
💰
Jumbo Loans
🔑
HELOCs
🏢
Commercial
🔄
Cash-Out Refi
🏘️
Multi-Family
⚡
Fix & Flip

💡 Have a client who's been turned down elsewhere? Call David directly. With Non-QM, ITIN, and bank statement programs, we say yes to buyers others can't help.

DR
26 Years Mortgage Industry
Your Lending Partner

Meet David Roa,
CEO & Loan Officer

David has spent 26 years in the mortgage industry and 12 years in real estate — giving him a deep understanding of what agents need. He built National Home Mortgage around one core belief: homeownership changes lives, and it starts with the right lending partner.

As a bilingual leader serving Chicago's Latino community, David leads NHM with a mission-driven team trained to deliver excellence on every single file — not just the easy ones.

01
Integrity — We do what we say, every time.
02
Service Before Self — Your client's needs come first.
03
Continuous Growth — We improve our systems every day.
04
Wealth Creation for All — Every closing builds a legacy.
05
Humble Excellence — We deliver extraordinary results quietly.
Ready to Partner?

Let's Build Something
Great Together.

Join the agents who trust National Home Mortgage to protect their clients and grow their business.

📞
Call or Text
708.907.2436
✉️
Email David
droa@newnhm.com
🌐
Website
davidroa.net
📍
Office
3100 Oak Park Ave.
Berwyn, IL
Call David Today — 708.907.2436