Buyer's guide
Find Your Perfect Chicagoland Home
From pre-approval to closing day — Sergio guides you through every step with zero pressure and full transparency.
Why buyers choose Sergio
200+ transactions closed. Deep market knowledge. A negotiator who fights for your bottom line.
200+
Homes Sold
$80M+
Lifetime Volume
183
Five-Star Reviews
14+
Years Licensed
Step by step
The buying process, simplified
Sergio breaks down every step so you always know what's coming next.
Initial Consultation
We sit down (or hop on a call) to understand your goals, timeline, must-haves, and budget. No pressure — just a conversation.
Get Pre-Approved
Sergio connects you with trusted local lenders who can get you pre-approved fast. A strong pre-approval letter gives you a competitive edge.
Home Search
We search the full MLS — including off-market and coming-soon properties — filtered to exactly what you want. You'll never miss a great listing.
Tour & Evaluate
Sergio schedules same-day showings and walks you through each home with an honest, experienced eye. No upselling — just straight talk.
Make an Offer
When you find the one, Sergio crafts a competitive offer strategy backed by real market data. He negotiates hard so you don't overpay.
Inspection & Due Diligence
Sergio coordinates inspections, reviews reports with you, and negotiates repairs or credits. You'll know exactly what you're buying.
Clear to Close
Sergio works with your lender, title company, and attorney to keep everything on track. He handles the details so closing day is stress-free.
Keys in Hand
Congratulations — you're a homeowner! Sergio stays available after closing for any questions, referrals, or next steps.
Financing
Mortgage resources
Understanding your financing options is the first step to a confident offer.
Conventional Loans
Best for buyers with strong credit (620+) and 3–20% down. Lower long-term costs and no upfront mortgage insurance with 20% down.
FHA Loans
Government-backed loans requiring as little as 3.5% down. Great for first-time buyers or those rebuilding credit.
VA Loans
Zero down payment for eligible veterans and active-duty service members. One of the best loan programs available.
Jumbo Loans
For homes above the conforming loan limit (~$766,550 in most of Chicagoland). Requires stronger credit and larger reserves.
IHDA Programs
Illinois Housing Development Authority programs offer down payment assistance and below-market rates for qualifying buyers.
Keller Home Loans
Sergio's in-house lending partner offers competitive rates, fast pre-approvals, and seamless coordination with your home search.
Get pre-approved in minutes
Sergio works directly with Keller Home Loans for fast, competitive pre-approvals.
Common questions
Buyer FAQs
Let's get started
Ready to start your home search?
Tell Sergio what you're looking for and he'll send you a personalized list of homes — including off-market properties — within 24 hours.
Already found a home you love?
Sergio can schedule a same-day showing and help you craft a winning offer.