Your Home. Your Dream. Let's Make It Happen.
Personalized mortgage guidance from application to closing — with someone who truly understands your journey.
All Conventional, FHA, VA, and Reverse Mortgage loans closed through
C&R Mortgage Bankers
7788 N. Milwaukee Ave. Niles, IL 60714 | NMLS License No.: 227317
Serving IL, IN, MI, WI, CO, TN, FL, TX, AR
Every Borrower Has a Path — We'll Find Yours.
From first-time buyers to seasoned investors, John has a loan program designed for your situation.
FHA Loans
Government-backed financing with down payments as low as 3.5% and credit scores accepted as low as 600. A great fit for first-time buyers and those rebuilding credit.
Learn moreVA Loans
Exclusive financing for eligible veterans and active-duty service members — no down payment required, no private mortgage insurance, and competitive rates.
Learn moreConventional Loans (1–4 Units)
Flexible financing with down payments as low as 3% for first-time buyers. Competitive rates for qualified borrowers with solid credit history.
Learn moreCommercial Loans (5–50 Units)
Financing for multi-family and commercial properties from 5 to 50 units. Whether expanding a portfolio or making your first investment, John has the expertise.
Learn moreLoans for Immigrants
ITIN loans, alternative credit documentation, and specialized programs for immigrants who can't qualify at a traditional bank. John has walked this path himself.
Learn moreCareer Changers Welcome
Changed careers recently? John works with borrowers whose employment history doesn't fit the standard mold — finding solutions where other lenders say no.
Learn more
The Irish Money Man
A mortgage advisor who's walked in your shoes.
John Gurhy moved to the United States from Ireland in 1986 — and he knows firsthand how overwhelming the American banking system can feel when you're new to it. That experience shaped everything about how he works. For decades, John has helped immigrants, first-time buyers, and families across nine states navigate the mortgage process with clarity, confidence, and a personalized approach that big banks simply can't offer.
Why Clients Choose John
Pre-approval in as little as 30 minutes
No long waits. John moves fast — get your pre-approval done in 30 minutes so you can make offers with confidence.
Full loan approval in only 5 days
While big banks take weeks, John's streamlined process delivers full loan approval in as little as 5 days.
Credit scores as low as 600 accepted
Don't let an imperfect credit score stop you. John works with borrowers at 600 and above — and can help you build toward qualification if you're not there yet.
Mortgages banks won't approve — 3% down for first-time buyers
John can get you into a home with just 3% down on conventional loans for first-time buyers, even when traditional banks have turned you away.
Real People. Real Results.
From immigrants to first-time buyers to career changers — here's what clients say about working with John.
John helped me get approved when three other lenders turned me down. He understood my situation as an immigrant and found a way to make it work. I'm now a homeowner — something I never thought possible.
We were first-time buyers with a 610 credit score and only 3% to put down. John got us fully approved in 5 days. The whole process was smooth and he was available every step of the way.
I had just changed careers and every bank said no. John took the time to understand my income situation and found a program that worked. Closed on my home within two weeks.
We were rejected at four banks but John got us approved. He is the man with the magic touch.
Our credit was low after a bankruptcy but John worked with us for a year and got us a loan.
We lost our business and we were only back on salary four months and John got us our mortgage.
We were rejected by five banks before we met John. He is a miracle worker. We had a Mass said for him to say thanks.
John got us approved on a four family building with only 3.5% down. Do not call anyone else.
"Every family deserves a place to call home."
Can get you approved in 9 states
Wherever you're buying, John is ready to help.
Ready to Take the First Step?
Fill out the form below and John will be in touch to discuss your options — no pressure, no obligation.