About Erik Williams

As a licensed Homebridge Mortgage Loan Originator in Illinois (NMLS #180161), Erik Williams can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Erik welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Erik has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Erik Williams Anytime

Feel free to contact Erik anytime by phone or email for personalized service and expert advice. Erik Williams will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Erik Williams is 203(k) Renovation Lending Certified

Erik is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Erik Williams values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Erik by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Gary M. March 2018
“Our loan officer Erik always kept in contact and let us know what was going on.”
Jenai J. March 2018
“They were very thorough, east to reach and easy to work with.”
Scott L. December 2017
“Erik was efficient and thorough. We've been trying to refi for years. He made it happen!”
Houtie K. December 2017
“They are the best. Great service.”
Trevor C. November 2017
“Quick and clear communication.”
Rodolfo Z. October 2017
“Erik was very helpful and got back to me right away.”
Ryan K. October 2017
“They were extremely helpful during the process of purchasing my first home.”
John B. Mchenry, IL
“Erik always makes purchasing a home an easy process. He is very dedicated, knowledgeable and quick to respond to any questions or concerns that may occur. We always feel confident knowing Erik is helping us purchase our properties! Thank you!”
Slivia R. Carpentersville, IL
“Our Loan Officer was most patient working with a buyer that was very untrusting of the entire process. Erik took the time to talk to him and explain what was needed and why.”
M L. Carpentersville, IL
“My Loan Officer did great.”
Brian R. Glenwood, IL
“I had a great experience as a first time buyer with Erick Williams. He was very helpful and knowledgeable and made the process smooth as possible. I highly recommend.”
Ignacio A. Elgin, IL
“His expertise made the difference. Thank you so much for your help!”
Mazy H. East Dundee, IL
“He was very sensitive to my schedule and when I could be contacted.”
Jesus S. Carpentersville, IL
“He was very nice during the process.”
William E. Volo, IL
“He was in touch with us throughout the whole process.”
Floria T. Chicago, IL
“He made me feel comfortable about every thing that I had to do concerning my home buying loan.”
Ignacio A. Elgin, IL
“He guided me steps by step all the way to the closing. Thank you.”
Cynthia C. Chicago , IL
“Erik was outstanding! Being my first time, when I had a question, he made sure to get me the answer. Thank you all very much.”
James W. Elgin, IL
“Erik Williams really works hard and keeps us well informed of opportunities that may be of benefit to us. The most recent transaction was a bit more complicated as we are in Florida and our home is in Illinois. But we got it worked out.”
Charles W. Chicago, IL
“Erik Williams was fantastic and was helpful throughout the entire process.”
Jesse B. Carpentersville, IL
“Erik did a great job! I will vote him in to run for President of the United States! He will win for sure!”
Raypheal A. Bellwood, IL
“Efficient, professional and dependable!!”
Jean G. South Beloit, IL
“Erick Williams has been very effective in keeping me the client (loan) informed of any changes and the progression of my mortgage process. I thank him for being so efficient and so very helpful.”
Brian S. Algonquin, IL
“Erik always kept us up to date with your needs and how the process was progressing.”
Latina K. Chicago , IL
“Erik did a great job walking me through step-by-step, the entire home buying process.”

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