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Kevin Malec

SR. Mortgage Consultant

What’s it Like
Working With Me?

I offer personalized, transparent service and tailored solutions for a smooth, stress-free home financing experience.

About

Kevin

At A and N Mortgage, we take pride in being a hands-on, smaller company that values personal connections with our clients and partners. Unlike large banks, where individuals may feel like just another number, we prioritize the uniqueness of each relationship, fostering a sense of community and trust that spans decades. We are your dedicated resource for mortgage support. Choose A and N Mortgage for an experience that goes beyond transactions – a partnership founded on trust, personalized attention, and community leadership.

Licensed:
FL, IL, IN, MN, OH, TN, WI
Address:
1945 N. Elston Ave., Chicago, IL 60642
Licensing info
FL, IL, IN, MN, OH, TN, WI
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Recent Awards

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What Clients Say About Us

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

Stephanie Martinez

Las Vegas, NV
Financial Planner
Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!

C

Carrie S.

Chicago, IL
Homeowner
As a first time home buyer I felt very supported by A&N through the entire purchase process. I had a team of people who tracked every detail and deadline perfectly to secure my loan.

J

Jeff Blettner

Chicago, IL
Homeowner
Highly, highly recommend working with Neena and team. They are always available by phone and clearly explain the ins and outs of the funding process. Came to bat for us multiple times during recent home purchase and saved the deal. Thank you Neena!

C

Crystal A.

Chicago, IL
Homeowner
Great professionals through and through! I was shopping around for a rate earlier this year and these got me the best rate and their service was amazing. Very quick response time and are always so receptive to any questions you may have.

A

Alan Lange

Chicago, IL
Homeowner
Whole team was excellent to work with and made the process very simple. Would definitely recommend!

D

Donald McCaskill

Chicago, IL
Homeowner
The service was top notch and the customer service was exquisite. We were put at ease with being first home buyers, the staff was very friendly and professional. Thanks  for the wonderful service!

S

Sarah V.

Chicago, IL
Homeowner
I am so grateful to have had the opportunity to have Neena and her team assist us in obtaining a mortgage for my home. It was an extremely pleasant experience as they explained the process clearly, always quick to respond to any questions, and process our loan in a highly efficient and seamless manner. They found us the best rate and financing options. Since then, I have referred all of my friends and family to her feeling confident that they will be in the best care possible for home financing needs. Whether you are purchasing your first home, investment property, or refinancing - you can trust Neena and her team with all of your finance needs. Neena's professionalism, warmth, honesty, and passion for the industry is infectious and inspiring!
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Fill out this form to get instant access to your free homebuyer guide and start your journey towards owning your dream home.

Why We Should Work Together

Lower Rates And Fees

Plain and simple, I will offer you a lower rate than any large bank. This will translate into $1000’s of dollars of savings for you.

Faster Response Time

Big banks have bloated mortgage departments where you become just another number. I will work directly with you, respond faster, and help you through the entire lending process. I give all of my clients my personal cell phone number so any time you have a question, I’m a phone call away.

Flexible Lending Options

I will offer you different lending options that big banks don’t have access to. My guidelines and criteria are different from those of large financial institutions, which translates into much easier approvals for you.

Special Financing

I will offer you more opportunities for special financing. Most big banks only service those that they see fit, while I can offer different financing options that large banks don’t have access to. This results in getting you approved easier, faster, and cheaper.

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Learn about Our Mortgage Tips

At A and N Mortgage, we believe in building strong communities, both through homeownership and our commitment to giving back. Our charity work is a reflection of our core values —compassion, integrity, and responsibility.

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How Condo Financing is Different Than Single-Family Home Financing

When it comes to buying a home, many borrowers assume that financing a condominium is the same as financing a single-family home. However, condo financing has unique requirements that can make the process more complex. Whether you’re a first-time homebuyer or an experienced investor, understanding these differences can help you navigate the mortgage process with confidence. 1. Loan Approval Involves More Than Just You For a single-family home, lenders primarily evaluate your financial profile—credit score, income, debt-to-income (DTI) ratio, and down payment. But when purchasing a condo, lenders also assess the financial health of the condo association and the building itself. Lenders will review: - The percentage of owner-occupied units versus investor-owned rentals - The financial reserves of the condo association - Any pending litigation involving the condo complex - Whether the association is FHA or VA approved (if applicable) 2. Different Loan Program Eligibility Not all loan programs allow condo financing, and some have additional requirements. For example: FHA Loans: The condo must be on the FHA-approved list. VA Loans: The condo development must be VA-approved. Conventional Loans (Fannie Mae & Freddie Mac): Some condos may require a full project review, ensuring the association meets strict guidelines. If a condo doesn’t meet these requirements, borrowers may need to seek alternative financing or put down a larger down payment. 3. Higher Interest Rates & Down Payment Lenders may charge slightly higher interest rates for condo loans compared to single-family homes due to the perceived risk of shared ownership. Condos often require a higher down payment if the condo project is not considered “warrantable” (approved by Fannie Mae or Freddie Mac). 4. Homeowners Association (HOA) Fees & Special Assessments When financing a condo, lenders take HOA fees into account as part of your debt-to-income (DTI) ratio, which can impact your loan approval. Additionally, special assessments—extra fees charged to condo owners for major repairs or improvements—can affect financing eligibility. If the building is undergoing major renovations or facing financial difficulties, lenders may be hesitant to approve the loan. 5. Property Insurance Differences For single-family homes, buyers purchase individual homeowners insurance to cover the property and its structure. Condo buyers, however, typically need HO-6 insurance, which covers the interior of their unit, while the condo association carries a master policy for the building and common areas. Lenders will verify that the condo association has adequate insurance coverage before approving the loan. Buying a condo can be a great investment, but the financing process requires additional considerations compared to a single-family home. Working with an experienced mortgage lender who understands condo financing can help you avoid delays and secure the best loan option for your needs. If you're thinking about purchasing a condo and have questions about financing, contact us today! Our team at A and N Mortgage is here to guide you every step of the way.

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