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Steve Hendriksen

Loan Officer

NMLS ID 1888992
Purchase Refinance

About Steve

I wish to provide services for a variety of different consumers to fit their financial requirements and goals. I believe in building strong relationships on top of being reliable and accountable in every situation. I am accessible at all times 24/7/365. It is my job to provide guidance and financing options from introduction through today. The support team we have willingly takes it upon themselves to streamline all loans from start to finish. Growing up in a small rural town, family and friendships are a combination of my most important values along with transparency and professionalism.

Contact Details

1323 Butterfield Rd,
Downers Grove, IL 60515

shendriksen@homeside.com

(217) 620-3894

I am licensed in Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Michigan, Missouri, Tennessee, Wisconsin, South Carolina, Arkansas.

  • Mortgage refinance was done quickly, at a great APR, and with little bother on my part. I highly recommend Steve's attention to detail. - Jim B.
  • Team Hochberg is the best!!! Their customer service is excellent. My husband and I had a wonderful experience working with Steve refinancing our home and it was an absolute pleasure working with him. If you are looking for great service contact the Hochberg team you will not be disappointed. ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️ - Janice G.
  • Steve walked me through all my mortgage options. It felt like he was looking out for me and wasn’t just trying to sell me something that wasn’t going to benefit me financially. He was prompt and patient answering all my questions throughout the entire process. Highly recommend his services. - Lindsey R.

Homeowner Benefits

  1. Shelter and Security – Beyond fulfilling the basic need of shelter, owning your home provides added security that your shelter is in your control.
  2. Building Equity – Growing your equity increases your borrowing and purchasing power, building your future financial resources.
  3. Tax Benefits – Mortgage interest and property taxes are deductible! Dependent on your circumstances, additional tax breaks may be available as well.
  4. Good Long-Term Investment – Rather than paying for the use of someone else’s property, you are able to invest in your own with a high likelihood of profitability in the future.
  5. Creative Freedom – Homeownership comes with the added benefit of being able to make decisions about permanent changes to your home that renting does not. That pink door you’ve always wanted or that ultimate deck set-up you’ve been dreaming of can be yours.

For benefits specific to you, reach out to your loan officer today!

Dos & Don'ts of Home Buying

Avoid some of the most common pitfalls of the mortgage process. Here are a few tips to ensure a speedy process and smooth closing.

DO

  • Get preapproved. We don’t want you to fall in love with a house that’s out of your budget.
  • Inform us of any financial or employment changes.
  • Continue to pay your rent, mortgage and all monthly payments on time.
  • Maintain your current employment and income.
  • Keep a paper trail of important documents such as W2’s, tax returns, paystubs etc.
  • ASK QUESTIONS! We’re here to help and will never be too busy to respond to you.

DON’T

  • Go house shopping without knowing what you can afford.
  • Change or quit your current job.
  • Make major purchases such as furniture, new cars, boat, etc.
  • Make large cash deposits in your bank account other than your paycheck.
  • Plan a vacation during your loan process.
  • Apply for, pay off, max out or close any credit card accounts.

Mortgage Application Checklist

Ready to get started? Below is a list of documentation we’ll need to get started processing your loan.

-Two most recent and complete tax returns
-Two most recent W2s*
-Two most recent pay stubs
-Two most recent and complete bank statements
-A copy of your photo ID

*Self employed borrowers may need to provide additional documentation

Mortgage Acronyms

ARM: Adjustable-Rate Mortgage
CD: Closing Disclosure
CLTV: Combined Loan-to-Value
DTI: Debt-to-Income
DU: Desktop Underwriter
EMD: Ernest Money Deposit
HELOC: Home Equity Line of Credit
LE: Loan Estimate
LTV: Loan-to-Value
MIP: Mortgage Insurance Premium
PMI: Private Mortgage Insurance