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Clarita Lage
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Clarita Lage

Senior Loan Officer

40w310 Lafox Road, Suite C1, St Charles, IL 60175
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.



A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.


If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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4.95 out of 5.0 stars
Andrea K
Nov 08, 2022

Great work and communication.
Kelsey A
Oct 11, 2022

I had the pleasure of working with Clarita for about two years. My journey of buying a home was long, but she helped me every step along the way. Starting off my credit was not the best, and she gave me great advice on how to raise it to where it needed to be. She was so helpful and encouraging, and I could not have done it without her!
May 16, 2022
Verified was so nice working with you! Having not bought a home in such a long time, I really appreciate all of your help...explaining all the terms I wasn’t familiar with, always being available whenever I had a question, and working hard to get me the best rate possible. I can’t thank you helped me purchase the perfect home for this new next adventure in my life! I will definitely refer you to anyone in need of a great Mortgage Originator! Thank you so much!!! Love- Cathy
Ryan Z
May 15, 2022

Outstanding job with my mortgage refinance. Highly recommend!
Max F
May 13, 2022

Clarita was an absolutely rockstar during our homebuying experience! From always being available to answer questions to the smoothness of the approval and underwriting process, we felt very well taken care of and supported end to end. As a first time homebuyer, I would absolutely recommend Clarita and her team at Cherry Creek to anyone new or experienced in this market.
Feb 13, 2022

Clarita is excellent! She explains everything so well, will keep you informed along the way, and is so responsive to any questions you may have. She made the entire process of buying my first home so seamless and enjoyable!

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NMLS ID #882807
I am authorized to do business in the states of Florida, Illinois, Indiana, Michigan and Wisconsin. (;