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Is buying, refinancing or renovating a home in your future? Let me help you achieve your homeownership goals through our simple and hassle-free home loan process. I’ll be by your side delivering personalized service, professional guidance and timely results on the way to your ideal home loan.
highlights
  • 400+ Home Loan Products to meet all your home financing goals
  • Local Market Expertise
  • Personalized Service
  • 1Day AdvantEDGE 1
  • Unique Buyers AdvantEDGE program 2
Highlights
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Why PrimeLending?

At PrimeLending, we believe people make the difference. When you call us, we’ll connect you with one of our 2,500 dedicated loan experts who can answer any questions you have and help you decide which of our 400 loan options is the best fit for you. You’ll see first-hand why PrimeLending continues to rank as a top-10 purchase lender by Scotsman Guide magazine. It’s because we have more than 30 years of experience in hiring people who are dedicated to providing the service, support and guidance you deserve. And because we’re committed to helping our borrowers achieve their goals through a simple and streamlined mortgage process.

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5-star Reviews From People Just Like You

Patient, Prompt, Professional, and Peaceful! Tom Roth did an outstanding job with our home purchase in July 2016. Very knowledgeable about mortgage and lending, Tom was patient in answering all of our questions. He responded promptly to emails with clear answers/solutions. Consummate professional- he matched the numbers (interest rate) being offered by Big Banks and kept our Closing costs low. Finally, the whole process was peaceful as opposed to being stressful- due in large part to Tom's calm demeanor. My wife and I strongly recommend that you pick Tom Roth as your lender.

Prabu R.

Urbana, IL

Lender was fantastic Lender was Fantastic! Tom was very informative and helpful in helping us with the purchase of our home. He explained everything in detail and what would be happening during the process. We would recommend using him, and his office for everyone buying a home.

Kate B.

Tuscola, IL

I have worked with Tom and his staff on 2 home loans now and I cannot say enough great things about my experience with him and Prime lending. Tom was very helpful, hands on and guided us through the entire process both times. He and his assistant Emily were very prompt with responding to my questions and keeping me abreast of any informational changes or delays and explained the reasons thoroughly and in terms I would understand. I have worked with other lenders in the past and none have been as professional and attentive to my family's needs.

Heather D.

Champaign, IL

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Our mortgage process

  • STEP 1: Apply and Gather Financials
  • STEP 2: Appraise & Verify Property
  • STEP 3: Process & Underwrite Loan
  • STEP 4: eClose3
  • STEP 5: Settle in & Relax

Discover Our Process

Which type of loan is right for you?

Let's discuss your options,
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1Restrictions apply. All loans subject to credit approval. Borrower may not own other real estate or rely on self-employment to qualify (W-2 or verified fixed income only). Limited to conventional/conforming loan for purchase of primary residence with a 20% down payment. Must submit application and required documentation via online application portal and integrated resources  and receive approve/eligible or accept from automated underwriting system. Refinance, investment, VA, FHA, USDA, jumbo, bond, down payment assistance programs, renovation, construction, and brokered out loans are not eligible. Will be subject to property meeting investor requirements. Eligible applications submitted after 1pm local time or on a weekend or company holiday  will be deemed submitted the next business day. Unforeseen circumstances excuses lender’s performance. Effective for applications after 11/3/23. Rates, fees, and offer terms subject to change. See https://www.primelending.com/legal-disclosures/1day-advantedge-terms-and-conditions for full details.

2Approval means an Underwriter has reviewed your application and has verified all necessary forms of income, assets, and credit. All loans subject to final credit approval and acceptable property. Conditions and restrictions may apply.

3eClose allows for electronic signing of most (not all) documents prior to closing.