Home Loans Network  Powered By Loan Factory, Inc. is a premier mortgage brokerage located in Chicago’s West Loop at 159 N. Sangamon St., Chicago, IL 60607. Led by Mortgage Loan Originator Ebonie Beaco (NMLS 2389954), we help homebuyers, investors, landlords, and business owners secure strategic real estate financing tailored to their goals. With over 25 years of combined experience spanning lending, real estate investing, credit strategy, and portfolio development, we are committed to making homeownership and real estate investing more accessible, transparent, and achievable for every client.

Our process is built on education, clarity, compliance, and strategic planning. Whether you're buying your first home, expanding a rental portfolio, refinancing to access equity, or restructuring long-term financial objectives, Home Loans Network provides the expert guidance and mortgage solutions needed to succeed.

BORROWERS WE WORK WITH

We proudly support a wide range of buyers, borrowers, and investors across Illinois and beyond:
First-time homebuyers | Self-employed borrowers | W-2 borrowers | ITIN borrowers | New & experienced real estate investors | Airbnb/STR entrepreneurs | Homeowners seeking to refinance | Clients seeking equity access or financial restructuring

We meet you at your current financial starting point and build a mortgage strategy designed to support your lifestyle, your goals, and your long-term wealth plan.

PROPERTY TYPES WE FINANCE

From starter homes to large-scale investment portfolios, we finance nearly all property types, including:
Single-family homes | Condos & townhomes | 2–4 unit residential properties | Multi-unit apartment buildings | Courtyard buildings | Mixed-use properties | Airbnb & short-term rentals | Long-term rental portfolios | Commercial real estate | Retail centers & strip malls | Fix-and-flip projects | Construction, rehab & ground-up development

If it's real estate, we can finance it—for both owner-occupied and non-owner-occupied purposes.

PROGRAMS & SERVICES WE OFFER

We offer a comprehensive suite of financing programs tailored to a wide range of borrower profiles and investment strategies:
Down Payment Assistance programs | Non-QM loans | Bank Statement loans | DSCR investor loans | Fix-and-flip loans | Bridge loans | Rental property loans | Portfolio lending | Construction & renovation financing | Ground-up development loans | Cash-out refinancing | Rate-term refinancing | Traditional full-credit mortgage programs | Credit improvement guidance | Pre-approval planning & qualification strategy

Whether your financing needs are straightforward or complex, we provide solutions structured around your goals.

OUR MISSION & COMMITMENT

My mission is to simplify the mortgage process through clarity, transparency, and education. Every client deserves:

• Honest information
• Empowerment through understanding
• A stress-free mortgage experience
• Strategic guidance that supports long-term financial growth

Whether you're purchasing your first home, securing funding for an Airbnb, building a rental portfolio, or financing commercial property, I am dedicated to helping you maximize your opportunities and build wealth through real estate.

COMPLIANCE & LICENSING DISCLOSURE

Mortgage Loan Originator:
Ebonie Beaco | NMLS 2389954

Sponsoring Company:
• Loan Factory Inc. | NMLS 320841 

Ebonie Beaco is properly licensed and sponsored under both entities in accordance with state and federal mortgage regulations. All loans are arranged through these licensed mortgage companies based on state availability and regulatory requirements.