Since 1999, Shree Mortgage has helped families across Illinois buy and refinance homes by shopping their loan across wholesale lenders. We still treat every client like family, with one person guiding you from application to closing.
Families across Illinois have trusted us with their homes for more than a quarter century. Many of our clients today were referred by people we helped years ago.
The person you meet is the person who handles your file, answers your calls and gets you to closing.
A bank can only offer its own loans. We compare pricing and guidelines across multiple wholesale lenders with one application, and if one lender says no, another often says yes.
Buying your first home is the part of this job we enjoy most. We'll explain each number before you sign anything.
Talk about your first home30- and 15-year fixed rates with steady payments.
Rates that start lower and adjust over time.
Flexible credit for buyers still building their score.
For veterans. No monthly mortgage insurance.
For loan amounts above the conforming limit.
For eligible homes in qualifying areas.
Lower your rate or shorten your term.
Turn your home equity into cash.
Change any number to match your situation.
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These calculators give estimates only. They are not a loan offer or a rate quote, and the sample rates are not today's rates. Your actual rate and payment depend on your credit, the property, and lender guidelines. Call for a real quote.
Most purchases close in 30 to 45 days from a signed contract.
A short call about your goals, budget and timeline.
Send pay stubs, W-2s and bank statements. You get a letter to shop with.
We price your scenario with several lenders and show you the options side by side.
We track the appraisal, title and lender conditions and keep you updated.
Review your final numbers, sign, and get your keys.
"We treat every client like family. We explain everything, we return calls, and we only recommend a loan that's truly right for you."
S. Atul Kadakia founded Shree Mortgage Inc. in Naperville and has been brokering home loans since 1999. It's a small practice on purpose, and most new clients come from people the firm has helped before.
Kunjal is a partner and licensed mortgage loan originator who now handles day-to-day client work at Shree Mortgage, carrying on the same family approach with more lender options and fast answers when you call.
Don't see yours? Call (630) 961-8351 and we'll walk you through it.
Ask a questionCall or send us your details. A short conversation about your goals, income and savings is enough for a pre-qualification, usually in about 15 minutes. From there we'll tell you exactly what documents to send for a full pre-approval.
A pre-qualification is a quick estimate based on what you tell us. A pre-approval goes further: we review your credit, income and assets in detail, so sellers and agents take your offer more seriously.
Your last 30 days of pay stubs, two years of W-2s (or tax returns if you're self-employed), two months of bank statements, and a photo ID. We'll send a checklist for your exact situation.
Most purchases close in 30 to 45 days from a signed contract, and refinances are often faster. Sending documents quickly and answering lender questions promptly keeps things on schedule.
A credit check can lower your score by a few points for a short time. Mortgage checks made within a short shopping window count as one inquiry, so comparing lenders through us won't add up.
A fixed rate never changes, so your principal and interest payment stays the same for the life of the loan. An adjustable rate starts lower for a set period, then moves with the market. ARMs can make sense if you expect to sell or refinance within a few years.
Points are an upfront fee you can pay to lower your interest rate. Whether they're worth it depends on how long you'll keep the loan, so we'll show you the break-even point before you decide.
Call, email, or leave your details and we'll get back to you within one business day.
