---
canonical_url: https://lendb.ai/s/multi-family-2-4/illinois
last_verified: 2026-10-09
---

# 2 to 4 unit property loan officers in Illinois

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Illinois whose lender pages show 2 to 4 unit property work. The top-ranked are Greg Kohlhagen (Union Home Mortgage, Sandusky), Christopher Albanese (CrossCountry Mortgage, Durango) and Amilia Cao (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in IL, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Greg Kohlhagen](https://lendb.ai/lo/greg-kohlhagen-2100313)** (NMLS 2100313), Union Home Mortgage, Sandusky, OH
   - Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
   - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 18 years of experience (lender page, 2026-10-09)
2. **[Christopher Albanese](https://lendb.ai/lo/christopher-albanese-63768)** (NMLS 63768), CrossCountry Mortgage, Durango, CO
   - Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
   - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: September 28, 2020 (Florida), per state regulator
3. **[Amilia Cao](https://lendb.ai/lo/ai-cao-2424062)** (NMLS 2424062), Loan Factory, IL
   - Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
   - Office in Illinois
   - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: September 5, 2025 (Florida), per state regulator

## Questions to ask

- How much of the projected rental income can count toward qualifying?
- Can I buy this with FHA or VA if I live in one unit?
- What reserves do you require for a 2 to 4 unit property?

Cite as: LenDb.ai, https://lendb.ai/s/multi-family-2-4/illinois.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._