Alessandro Madonia - Senior Mortgage Advisor

09/23/2026

🏡 Think you need a big down payment to buy a home? You might not.

With our 1% Down Program, you bring just 1% down and we contribute 2%, up to $4,500, getting you to 3% down on your primary residence.

Here’s the quick breakdown 👇

✅ First-time AND repeat buyers
✅ 620 minimum credit score
✅ Single-family homes, condos & townhomes
✅ No repayment or recapture period
✅ Available in 49 states
✅ Income limits apply

If saving for the down payment is what’s holding you back, it’s worth seeing if you qualify.

Every situation is different, and sometimes it’s not about waiting until you have more money saved. It’s about knowing what options are available.

📲 DM me or click the link in my bio and let’s have a quick conversation.

NMLS #224210

09/22/2026

Thank you, Ryan, for trusting my team and me with your mortgage. It was a pleasure helping you through the process, and I truly appreciate you sharing your experience!

09/16/2026

Not every condo qualifies for traditional financing 🏢

A non-warrantable condo = doesn’t meet standard lending guidelines ❌

• Common reasons:
– High rental percentage 📊
– Low owner-occupancy 🧍‍♂️
– Ongoing litigation ⚖️
– Financial or insurance concerns 💼

• Most banks?
Automatic decline 🚫

• But that doesn’t mean the deal is dead

• We work with in-house investors 🤝

• We look at the full picture, not just a checklist

• More flexibility
• Smarter structuring
• Deals that actually close ✅

• If you hit a roadblock on a condo…
there’s usually a way through it

DM me or click here https://myoc.io/c/MortgagesByMadonia and lets set up a quick discovery call to get you into building wealth today.

09/15/2026

09/15/2026

Zach, thank you so much for the kind words! It was a pleasure working with you and your wife on your first home purchase. I know there can be a lot of questions and moving pieces when you’re buying your first home, so I’m really glad my team and I could make the process feel smooth and keep you both informed along the way.

We truly appreciate the trust you placed in us, and I’m excited for you both as you start this new chapter. Congratulations again on the new home, and thank you for the recommendation! 🏡🙌

09/14/2026

❌ Been denied for a mortgage recently? That doesn't automatically mean you can't buy a home.

It may just mean you were evaluated under traditional lending guidelines.

🏡 Non-QM loans are designed for borrowers who don't fit into the standard W-2 box, including those who:

✔️ Have inconsistent income
✔️ Experienced a recent credit event
✔️ Strategically use business funds
✔️ Are self-employed or have complex finances

Here's a recent success story:

One of our clients was denied by another lender and told he only qualified for a $200,000 home based on his tax returns.

Instead of accepting "no" as the final answer, we explored one of our Non-QM programs and were able to secure financing on his dream home — a $1 million property.

✅ Only 10% down
✅ No PMI
✅ A completely different outcome

The key isn't finding a lender.

It's finding the right strategy and the right loan program.

If you've been told "no" and want to understand what's actually possible, send me a message or click the link in my bio. You may be closer to homeownership than you think.

[https://myoc.io/MortgagesByMadonia]

NMLS #224210

09/08/2026

There’s no greater compliment than earning the trust of a real estate partner—both professionally and personally. ⭐⭐⭐⭐⭐

Anabel has seen firsthand how my team and I care for her clients, so being trusted to help her and her husband with their own mortgage meant so much to me.

Thank you, Anabel, for your partnership, your confidence and your kind words. It was truly a pleasure helping you both!

09/08/2026

Looking to score big in a tough market? Get your full loan approval sorted before making that offer. 🏡🔥**

In this chat, Bobby Grilli from Jameson Sotheby’s and I dive into why having full approval can totally change the game when you’re up against other buyers.

🎙️ **Check out the full podcast** where Bobby and I cover everything from real estate to lending, plus the latest buzz in the Chicagoland area.

👉 Click here to watch the full interview: https://youtu.be/hjMCL3XQAOs

Alessandro Madonia
Senior VP of Mortgage Lending
📱 630-300-8706
📧 [email protected]
🌐 www.mortgagesbymadonia.com
Preferred Rate | NMLS #224210

Bobby Grilli
Real Estate Advisor
Grilli Murphy Group | Jameson Sotheby’s International Realty
📱 708-337-2385
📧 [email protected]

09/07/2026

Today we celebrate the strength, resilience, and dedication of the American worker.
💼 Happy Labor Day!
https://myoc.io/MortgagesByMadonia

NMLS # 224210

09/01/2026

Unlike a bridge loan or home equity loan, a home equity line of credit (HELOC) requires payments only on the amount you borrow, making it a flexible financing option if you’re buying your next home if you're planning to keep your home as a rental.

With a HELOC, you can tap into your current home’s equity before it goes on the market—giving you access to funds when timing matters most.

It’s like having a built-in financial cushion that helps you move forward—on your own terms. If you're looking at strategies to BRIDGE the gap TO BUY a home - let's talk!
https://myoc.io/MortgagesByMadonia

NMLS # 224210