Oscar Padilla is a seasoned mortgage professional with over 10 years of experience helping individuals and families achieve their homeownership goals. Based in the Chicagoland area, he is fully licensed to originate loans in Illinois, Wisconsin, and Indiana.
Oscar specializes in down payment assistance programs and supporting borrowers with less-than-perfect credit, working closely with clients to navigate challenges and build strong financial foundations. With hands-on experience in nearly every role in the mortgage process, he offers a deep understanding of each step, ensuring a seamless and transparent experience from application to closing.
Since 2019, Oscar has led a trusted team of mortgage professionals. Their long-standing collaboration brings unmatched efficiency, communication, and care to every client interaction.
Oscar is proud to represent The Money Store, a company known for its commitment to innovation, service, and excellence in the mortgage industry.
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Every home financing situation is unique. That’s why The Money Store offers a wide range of loan options, so we can help you choose the ones that are right for you. Here’s an overview of the types of home loan products we offer.
Planning to buy a home? Whether you’re an aspiring homeowner or a seasoned homebuyer, we offer numerous home purchase loans to help you achieve your goals. These include options for a wide range of property and occupancy types and down payment minimums as low as 10%, 3%, or even 0%.
Is it time for a new mortgage strategy for your home? With a mortgage refinance, you may be able to reduce your interest rate and monthly payment, eliminate mortgage insurance premiums, replace an adjustable rate with a fixed rate, convert home equity into cash, or obtain other benefits.
Ready to make your dream home a reality? With a construction loan, you can obtain financing to build the home you want. Our one-time-close construction financing even allows you to purchase the lot, construct your home, and finance the finished property, all with a single loan.
Want to upgrade, repair, or expand a home? Get the funds you need with one of our renovation loans. Renovation financing allows you to purchase and renovate a home with a single loan, or refinance and renovate a home you currently own.
Need cash for a large purchase, investment, or expense? Your home may be the answer. With home equity financing, you can take cash out of your home to spend on anything, including paying off high-interest debt, making home improvements, or covering college tuition.
Navigate your home financing journey from the palm of your hand.
Apply in just 10 minutes or less.
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