My Background
I’m Anna Horuk, a Mortgage Loan Originator (NMLS #2099909) licensed in both Illinois and Florida. I help first-time homebuyers, families, and real estate investors secure the right mortgage with clear guidance and personalized support. With a background in law and finance, I provide an analytical yet people-first approach to every real estate and mortgage transaction.
I’ve helped first-time buyers, investors, and families navigate the mortgage process. From pre-approval to closing, my goal is to provide clarity and confidence. As a result, my clients feel prepared and supported throughout their mortgage journey.
My mission is simple: empower you with clear, reliable information, anticipate obstacles before they arise, and deliver personalized solutions that fit your goals.
- Transparent communication at every step
- Guidance built on legal and financial expertise
- A personalized approach to home financing
- Support for clients across Illinois and Florida
How it works
Your Home Financing Strategy
Every client’s journey is different — but success starts with a clear plan. From understanding your goals to closing your loan, my approach is built on clarity, education, and proactive support every step of the way.
Step 1: Personalized Consultation
We start with a detailed conversation about your goals, budget, and timeline. Whether you’re buying, refinancing, or investing, I’ll outline your best loan options — and explain them in plain language so you can make confident decisions
Step 2: Pre-Approval & Home Search
Once pre-approved, I’ll guide you through the process of aligning your financing with your property goals. If you’re purchasing in Florida, I can also support your real estate search directly to make everything seamless.
Step 3: Smooth Closing
My goal is to keep you informed and prepared — no last-minute surprises. From document collection to final signatures, I work closely with all parties to make sure your closing experience is smooth, timely, and stress-free.
Ready to Get Pre-Approved?
FAQ
Frequently Asked Questions
Every buyer’s situation is unique. I’ll review your goals, credit, and budget to match you with the most suitable programs — whether it’s FHA, Conventional, VA, or Jumbo — and walk you through each option in simple terms.
On average, a full loan approval and closing can take 20–30 days, depending on your documentation and property type. I stay in constant communication throughout so you always know what to expect next.
Yes — pre-approval helps define your budget, strengthens your offer, and gives you a competitive edge in today’s market. It’s the first step I recommend before touring homes.