Chicago Mortgage Lender · NMLS #233218

Your home loan
deserved this
much attention.

For over a decade, I've guided Chicago homeowners and investors through every mortgage decision — from first-time buyers to portfolio expansion. The right loan isn't about the lowest rate; it's about the right structure for your life.

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Chicago skyline representing home and opportunity

10+

Years serving Chicago homeowners

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What I Offer

Mortgage solutions,
tailored to your path.

Every borrower has a different story. I design loan strategies that align with where you are and where you're going.

First-Time Buyers

The journey into homeownership deserves more than a rate sheet. I walk you through every step — from pre-approval to closing — so you feel confident, not overwhelmed.

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Refinancing

Whether you're looking to lower your rate, shorten your term, or pull out equity, refinancing is a strategic decision — not just a transaction. I help you evaluate the real impact.

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Investment Properties

Building a portfolio requires different tools. I structure loans for multi-family, rental, and investment properties with an eye on cash flow and long-term growth.

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Jumbo & Custom Loans

Non-conforming properties need non-cookie-cutter solutions. I specialize in jumbo loans and custom programs for high-value and unique properties across the Chicago market.

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Rate Strategy

Rates move. Timing matters. I help you understand when to lock, when to float, and how points, terms, and structures affect your total cost of homeownership.

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Veterans & FHA

VA and FHA loans offer unique advantages. I ensure you understand every benefit you've earned — from zero-down options to competitive terms tailored for veterans and qualifying buyers.

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Professional office setting in Chicago

About Justin Murray

Mortgage lending is a relationship, not a transaction.

I founded my practice in Chicago with a simple conviction: borrowers deserve a lender who treats their financial life with the same care they would their own. After years in the industry, I saw too many people rushed through processes they didn't understand — and I decided to do things differently.

At OriginPoint, I bring the resources of a national lender with the attention of a local advisor. I know the Chicago market — the neighborhoods, the property types, the nuances that affect your loan. That local knowledge, combined with competitive programs, is what I offer every client.

I'm licensed in Illinois (NMLS #233218) and committed to transparency at every step. No surprises. No pressure. Just clear, honest guidance when you need it most.

10+

Years Experience

500+

Families Served

IL

Licensed State

How It Works

From inquiry to closing,
every step is clear.

01

Consultation

We start with a conversation — your goals, your timeline, your questions. No obligation, just clarity on where you stand.

02

Pre-Approval

I pull your numbers, explore program options, and get you a clear pre-approval — so you know exactly what you can do before you start looking.

03

Processing

Documentation, appraisal, underwriting — I manage every detail and keep you informed. You'll never wonder what's happening next.

04

Closing

Review, sign, and close. I walk you through every document so you understand exactly what you're signing — and celebrate with you when it's done.

Client Stories

Trusted by homeowners
across Chicago.

"Justin made what I thought would be the most stressful experience of my life feel manageable. He explained every option clearly and never made me feel rushed. I closed in three weeks."

Client portrait

Sarah M.

First-Time Buyer · Lincoln Park

"As a veteran, I didn't fully understand my VA loan benefits. Justin took the time to walk me through everything — the funding fee, the appraisal process, even the closing timeline. Truly exceptional service."

Client portrait

Michael T.

VA Loan · Naperville

"I've worked with three different lenders over the years. Justin is the only one who called me proactively with ideas — not just when he needed something. That's the difference between a processor and a partner."

Client portrait

David & Laura K.

Refinance · Oak Park

Ready to Move Forward?

Let's find the loan that fits your life.

Whether you're buying your first home, refinancing, or investing — I'm here to make the process straightforward and stress-free.

Schedule a Call 312-252-4852

Get in Touch

Let's start a conversation.

Have questions about your options? Want to discuss your situation? Reach out — I respond to every inquiry personally.

Phone

312-252-4852

Office

1800 W Larchmont Ave
Chicago, IL 60613

NMLS License

#233218

Is this your business?This is my business