A & N Mortgage Services, Inc.

It has been almost six months to the date from what has been a total nightmare as a first time home buyer. This included an extremely difficult seller who was highly unresponsive, a pending condo association litigation and an original mortgage broker who was all smiles until dropping the ball at the closing table where he informed us the lender would not lend money against this property.
Already 5 months into this process and a rental lease expiring in only a few weeks, I had to scramble to purchase a property I had been entirely set on in a neighborhood Ioved. After talking to SIX other lenders who instantly shot me down for this property, it wasn’t until I was referred to Neena at A&N that there was a glimmer of hope. The seller was more difficult than before, and we had less than four weeks to close– I don’t know how, but here I am typing from my new place still in disbelief that we made it.
Neena definitely worked magic here. She was highly communicative, kept me up to date every single time any changes were made, but most of all helped me close on a property that no one else could in an extremely short amount of time. I could not be happier and would recommend her to anyone.

What a nightmare! We were searching for a new home and trusted A & N to get us to the finish line. We met with Mike McNamara who sold us on A & N and made all these grand promises that we would be taken care of by him and his «team». This turned into us being passed around from Joel, to Amy, back to Joel, back to Amy and at one point Alison. We were being passed around so much we couldn’t figure out who we were dealing with at any given point. We had to submit the same documents multiple times to multiple people because they couldn’t communicate within themselves and their «team» effectively. According to Mike, Amy was supposed to call us every week on Tuesday to discuss our loan and any needed documentation. This never happened. Ever. They were all very good at throwing each other under the bus. Great team right? At one point we received a voicemail from Amy saying we were good to close. (Amy later lied and said she never left that voicemail even though the voicemail clearly said «hi this is Amy from A&N»). A week later we received an email from Mike (whom we seldom heard from) saying we were not clear to close and needed to request an extension from our buyer and our seller (we were selling and buying). This email came 3 days prior to closing on both places. 3 days! We had to cancel movers, cable and Internet technicians amongst other things. According to Mike, you need to have a clear to close 5 days prior to closing which means that they knew about us not being able to close for almost a week but yet didn’t feel the need to communicate this with us until 3 days before closing. The email thread showed the «team» discussing this delay for 5 days prior to telling us. We were the last ones to find out anything. This delay happened twice. Their lack of competency and professionalism is absolutely mind boggling as is their carelessness. At another point it took us about 4 days, countless emails and phone calls to their office to get ahold of them and figure out the status of our loan. Even our realtor got involved and expressed his frustration at their lack of care and urgency in getting us to the finish line.
Mike called me after we closed to apologize for him and his teams’ unprofessionalism and lack of communication. He recognized he was at fault for our delays and should have communicated not just with us but within his team better.
I would not recommend Mike or A&N to anyone unless you’re looking forward to sleepless nights and countless headaches. Mike is nothing but a sales person and does not care at all about the customers.

Being a finance professional, my husband had a lot of questions on the numbers on each piece of paper we signed. Jim was always there to answer our questions. Being a professional buyer, my pursue for the best rates and quality service is relentless. Jim was always there to help facilitate the whole closing process. We closed with the best interest rate and no delay. What else could we ask for?

Neena and Kiki were fantastic to work with. Their entire team were professional and truly cared. They made my refinance easy and painless. Thank you so much for everything, one happy customer!!!

My team at A&N was a dream team. Self-​employed, with few assets and only 20% down, I was a difficult case. At times, I felt like I might lose my place. But Mike M. and Joel kept me calm, used the resources they had, and got the job done.
Definitely go with A&N, and ask for Mike M. You can be confident that they will pull out all the stops to get you into your dream home!

The staff at A&N was very helpful, and ever so patient wit us. We just closed on our dream house, with the most amazing interest rate on our mortgage. Thanks!

Highly recommended! Neena and Kiki are great to work with — knowledge, responsive, timely, anything you need really. Low costs and good rates. We have used A&N to refinance our old mortgage and now for a new mortgage for another house — both have been fantastic experiences. Hopefully this is it for mortgages and refinances for us, but, if not, we’ll be calling A&N again.

Our experience with Mortgage broken as a first time home buyer:
We got to work Neena and Kiki, they are professional and patient. Both seems very knowledgable at what they do. They are responsive, prompt and addresses many of our questions over emails very quickly. They made the entire experience less stressful; always keeping an open communication with us during and after the purchase. It was a pleasure with working with them.

Professional, organzied, friendly, extremely knowledgeable, proactive, responsive and some of the best rates and programs in town.
Do you really need anything else from a mortgage broker?

A&N managed the mortgage of our first home. Prior to closing, we noticed what appeared to be a $ 6,000 error in our property tax estimate, so we consulted A&N’s rep, Jim Kisel, reviewed the property tax history of the home with him in his office, learned of multiple exemptions on the property we did not qualify for and asked him to recalculate the tax estimate accurately, which he said he would take care of. We closed as if it had been taken care of. A year later, we learned that nothing had been done and our mortgage, which Jim promised would ‘never go up, but could only go down’ suddenly went up by $ 1200/​month ($ 14,000/year). Within six months, we were forced to move because we could no longer afford our own home. Of course, A&N was eager for us to refinance so that we could get our monthly payment down and they could collect even more money from us because of their error.
In retrospect, Jim explained to us that A&N isn’t liable for this sort of error because it is their policy that it’s the customer’s responsibility to research the property tax history independently and present to the mortgage lender in writing the exact amount the customer wants estimated for property taxes. This is important to note if you’re considering this company because I haven’t found another mortgage lender who makes it the customer’s responsibility to research the history of the property and do the mathematical work for them (in fact, on our new home, I insisted on doing this with our new mortgage lender, and they considered it ridiculous that I was even trying to do it).

I cannot say enough nice things about A & N. They were super helpful and willing to answer all of my questions. Everyone I encountered was great, very friendly and very knowledgeable. Not only did the offer me a great rate, they walked me through everything. Highly recommended!!!

I was blown away by how smooth this stressful process went and I owe it all to Neena, Kiki T. & John S. They were amazing. They chilled me out, they made it so easy for me to send documents, they explained the process to me in a way that wasn’t gobbledygook, they basically just cut to the chase and made me feel confident that it would all work out and it did — beyond my expectations. Neena is the coolest chick and I have so much respect for her!

I closed yesterday on a condo and had been referred to Kiki at A and N Mortgage services by my real estate agent. He was absolutely correct in referring me and recommending I put my trust in Kiki. She went out of her way to accommodate the application. The loan approval was completed in a timely manner. Kiki was immediately accessible during the closing and assisted in the final moments of the closing process to make it fast and easy. Thanks Kiki.

Since the ’08 meltdown, we have been interested in refinancing our adjustable rate mortgage on our Lincoln Park home purchased in 2003. With Neena’s help, we have finally been able to achieve a fair appraisal and cut through red tape far more quickly than with a big bank. We’ve tried other mortgage brokers before with no success. Neena’s responsiveness, knowledge, and expertise are far superior than anything we’ve previously experienced.

The BEST mortgage brokers in Illinois. Neena is simply amazing! Extremely knowledgeable, professional, and efficient. She and Kiki worked with us on our first home purchase and we could not have been happier. We had a very complicated loan application that included several student loans. Neena worked her magic and was able to make the process a smooth one. Her dedication and availability to the client is unparalleled. No matter the time of day or night, she is answering emails and crunching numbers.
The best part about A & N Mortgage is once you become a client, you are a client for life. Neena actually contacted us to let us know about a great re-​fi opportunity after our first home purchase. We went for it and it saved us almost $ 200 a month! Who has a mortgage broker that looks out for you like family? Neena and her team are just incredible.
We have referred all of our friends and family to Neena and her team they have all been extremely happy with her services.
Choose A & N and you WILL NOT be disappointed!

You will never find people that look out for you like the people at A and N Mortgage. We had the opportunity of working with Neena and Kiki and they were wonderful. They made the whole process easy and today with all the new laws it can be unconfortable applying for a loan. Believe you will be happy you did business with them. Jimmy and Yvette Sutera

These people are the best. Very straight forward and professional. I worked with Neena and Kiki and they were always quick with information/​questions etc. I will use them for life.

Neena and Kiki were incredible to work with for my mortgage on a 3 flat building that we just purchased. They were extremely prompt, courteous and thorough. They got us a really great rate and made the process simple and straighforward (as simple as mortgages can be!)
They recommended an equally great attorney to handle all the legal documents who was a godsend when things got complicated with the purchase and at the closing.
I would HIGHLY recommend A and N Mortgage! This transaction was much smoother and simpler than my last mortgage.
Thanks Neena and Kiki!

Neena and KiKi have been wonderful to work with. They are not only extremely knowledgeable about everything mortgage but also very easy to talk to as well. I am a small business owner that is looking to refinance his condo as well as purchase a new home and they were able to explain every option for me and then tell me what the best option would be. These ladies will run you through the entire process and they will make sure you understand it! I will be using A&N for some time to come.
Thanks Ladies for being genuine and caring and making this process for my wife and I as seamless and simple as possible.
Eric and Sarah

As a general rule, I do not like Mortgage brokers. After my experience with A&N, I can say that as a specific rule, that I do love Neena and Kiki (professionally only).
Let’s talk general first. I find that there aren’t many barriers to entry across the industry. As a result it attracts its fair share of fast talkers, sharks and flakes. Despite this poor cast, I kind of enjoy sparring with them… sort of a guilty pleasure.
Which is why I was surprised that working with Neena and Kiki was a guiltless pleasure.
They are exactly what you want: Knowledgeable, Prompt, Organized & Honest. Neena & Kiki did a refinance of my condo mortgage. Neena understood the market, always returned my calls quickly and didn’t try to bully me with used car salesmen-​like tactics (if you are a first timer, you’ll find many of these types out there).
Overall, they helped me save $ 400 a month.
What happened next was even more telling of Neena and her character. I approached her on a separate deal, one that could (COULD not WOULD) have been a conflict of interest for her. Neena said «no» to the deal which surprised me in a really good way. It’s what separates them from the pack… I was able to do the deal with another broker, no problem, but she was still there advising me on a deal that she wouldn’t make a cent on.
I recommend Neena & Kiki to both the novice and the expert. They will find you a competitive deal, treat you with respect and see the deal all the way through.