Xanadu Home Loans pairs Chicago families with the mortgage that actually fits their life — from first-time FHA buyers in Bronzeville to jumbo refinances on the North Shore. Advisor-led. Transparent. Deeply local.
The mortgage is the largest transaction most families ever make. We treat it like it. Every application receives a dedicated advisor, a written rate lock strategy, and a plain-English breakdown of every dollar at the closing table.
Every consultation is led by a state-licensed mortgage professional — not a call-center rep with a script.
We monitor your rate for 24 months post-closing and alert you the moment refinancing makes mathematical sense.
Get a verified pre-approval letter within one business day — the kind sellers in Chicago actually take seriously.
Application, underwriting, and rate-lock fees are disclosed in writing before you sign anything. No surprises.
Files review inside the Loop, not in another time zone. That's how we close jumbo loans in under 25 days.
We speak fluent FHA, IHDA, and down-payment assistance so you don't have to learn a second language.
After fifteen years inside two of America's largest retail banks, Lavinia Fitch opened Xanadu Home Loans in 2011 with a modest goal: give Chicago families the same white-glove mortgage service that private-bank clients enjoy — without the private-bank minimums.
Whether it's your first two-flat in Logan Square or a refinance on a Winnetka estate, one of these programs is almost certainly the right conversation to start.
The workhorse of American homeownership. Predictable payment for three decades.
Backed by HUD and forgiving of imperfect credit histories — our most-quoted program.
For active-duty service members, veterans, and eligible surviving spouses. Zero down.
For Illinois homes above the conforming loan limit. Underwritten with common sense.
Turn equity into a kitchen, a college fund, or a lower blended rate. Runs the numbers first.
For 1–4 unit rental properties. Qualify on the property's cash flow, not your W-2.
A 20-minute call to understand goals, timing, and any credit or income realities.
Verified income and asset review; sellers receive a real letter, not a soft pull screenshot.
We lock the rate at the strategically correct moment, not the moment convenient for us.
Clear-to-close in ~21 days. Attorney-reviewed HUD. Keys in hand. Rate Watch begins.
"We interviewed four lenders. Lavinia's team was the only one that called back within an hour and the only one that closed on the day promised. Our FHA loan felt easy — which is not a word I ever expected to write about a mortgage."
"Jumbo refinance on a two-flat in Lincoln Park. Rate beat the online lenders by 0.375% and the whole thing closed in 23 days. Xanadu earned every referral I've sent since."
"As a VA buyer I've been condescended to by many lenders. Xanadu treated my service and my file with equal respect. Closed with zero out-of-pocket."
