LOCKPORT

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    NMLS #2373419+ Years ExperienceLicensed Nationwide
    915+
    Loans Closed
    9+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Joseph Savino

    Branch Regional Manager

    Visit their site

    Maddalena Santino

    Loan Officer

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    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
    ◆
    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

    →
    Estimate monthly payments based on your actual scenario
    →
    Explore loan programs matched to your situation
    →
    Get pre-approved without waiting for a callback
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    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 109 families & counting

    ★★★★★5.0109 verified reviews
    "
    Great communicatio, fast and friendly
    Cesar H.
    Chicago, IL · via Joseph M Savino
    September 2026
    "
    Madeline made sure I understood the entire process and went out of her way to help me out.
    Lorena S.
    Merrillville, IN · via Maddalena Santino
    October 2025
    "
    Joe and his team made this hard process less stressful by always willing to help with any questions at any time! It was a pleasure to work with him and his team!
    Manuel G.
    Prairie Grove, IL · via Joseph M Savino
    July 2026
    “
    Very helpful throughout the whole process.
    Cesia B.
    Crown Point, IN · via Maddalena Santino
    July 2025
    “
    I was very pleased and grateful for all there help to get the house I really wanted
    Luz Maria R.
    Belvidere, IL · via Joseph M Savino
    June 2026
    “
    AFN was able to get me a better rate than anyone else. There was constant communication throughout the whole process and everyone was very helpful along the way.
    Felipe D F.
    Whiting, IN · via Maddalena Santino
    August 2024
    “
    He explained every step to me and answered every time I had a questio thankyou very much.
    Araceli E C.
    Chicago Ridge, IL · via Joseph M Savino
    June 2026
    “
    madeline made everything easy to do. if any problem came up she was there to help or guide. when interest rates come down i will refinance with madeline.
    Richard D L.
    Merrillville, IN · via Maddalena Santino
    November 2023
    “
    Joseph Savino was outstanding throughout our home buying process. He was professional, detail-oriented, and always available to answer questions and guide us every step of the way. He made what could’ve been a stressful process feel smooth and manageable. I truly appreciate his hard work and would highly recommend him to anyone looking for a great mortgage lender.
    Lafayette L.
    Crete, IL · via Joseph M Savino
    May 2026
    “
    Madeline helped us throughout the entire process. We took quite a while to end up finding the right home but she was very patient. Absolutely recommended.
    Jon R
    Dyer, IN · via Maddalena Santino
    August 2018
    “
    Absolutely amazing experience! Smooth, fast, and stress-free. Joseph Savino went above and beyond to make everything happen. Highly recommend!”
    Esmeralda S.
    via Joseph M Savino
    May 2026
    “
    Madeline was very professional and a genuine person, which made our interactions very comfortable. She explained everything that needed to be done such as what paperwork the underwriter needed etc. and always tried to keep me calm. Buying a house is stressful! I would hope that you call Madeline because she will have your back when others may not.
    Ginacaldwell1031
    Merrillville, IN · via Maddalena Santino
    August 2018
    “
    muy atento a los correos, disposición para ayudar
    Yeribeth Rangel R.
    Champaign, IL · via Joseph M Savino
    April 2026
    “
    Very hardworking and determined to meet all of your needs, and very dependable. If there was ever a question to pop up she would stop what she were doing answer the phone and explain very thoroughly.
    Willi986
    Wheatfield, IN · via Maddalena Santino
    August 2018
    “
    Very patient with us a first time buyers. Amazing communication and always explained everything in detailed !
    Merrit G.
    via Joseph M Savino
    March 2026
    “
    Great Person to work with!! She really knows her stuff!! She provided us with a lot of great options! She was very informative. She was kind and patient as well.
    Margaret D.
    Hammond, IN · via Maddalena Santino
    January 2018
    “
    They always keep you informed with the whole process .. I was very satisfied
    Leodan Cordova V.
    Harvard, IL · via Joseph M Savino
    February 2026
    “
    Went out of her way to help us. Had some issues along the way but was very patient, helpful, and straight forward. Would definitely recommend and will certainly be using again!
    Arobson3128
    via Maddalena Santino
    March 2016
    “
    Any questions we had as first time homeowners , were thoughtfully explained and answered , giving us peace of mind.
    Omar G.
    Crete, IL · via Joseph M Savino
    December 2025
    “
    She went out of her way to pick up documents, explained the process of each step from the pre-approval process to getting our loan started to closing on the house. Always answered calls, answered questions that we had during the process of buying a foreclosed home, as well as being their at our closing to continue answering any questions to any documents we where signing.
    Okproductions
    Schererville, IN · via Maddalena Santino
    January 2016
    “
    As a second-time homebuyer, I can’t express enough how much Joe and Michele helped me. This experience was far better than my first home purchase with a different loan officer. From the start, they provided clear, efficient guidance, making the process stress-free. Their attention to detail and commitment to excellence was evident at every stage, and they were always available 24/7 to answer questions. What set them apart was their dedication to finding the best loan option for my needs. Their expertise and genuine care made a significant impact, and I’m incredibly grateful for their support. I highly recommend Joe and Michele to anyone looking for a professional, dedicated loan officer team.
    Antonio F.
    Worth, IL · via Joseph M Savino
    November 2025
    “
    Joe and his team make this process as easy and smooth as possible! They communicate and explain everything so thoroughly to make sure I understood everything! We closed on my new home less than a year ago when rates weren’t the best, Joe and his team promised a free refinance as soon as they got better and we closed on the refinance for free and saved hundreds of dollars! Highly recommended!
    Brian R.
    Norridge, IL · via Joseph M Savino
    October 2025
    Real Estate Partners

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    Our Branch

    Lockport

    American Financial Network · NMLS #237341

    Address
    13161 W 143rd St, Suite 102
    Homer Glen, IL 60491
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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