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Derek Malley

Loan Consultant | NMLS #920679
A smooth path to homeownership—clear numbers, simple steps, on-time results.
How to Reach Derek
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Home Ownership Made Simple

Buying a home shouldn’t feel confusing. I lay out your options in plain English, show you the real payment, and give you a step-by-step plan—so you can move forward with confidence.

From pre-approval to keys, I keep you updated at every step.


+ Meet Derek
Derek Malley • Senior Mortgage Consultant • Union Home Mortgage

Derek Malley is a Senior Mortgage Consultant who helps people navigate the mortgage process with clarity and confidence. Whether you're buying your first home, upgrading to your next, or building your investment portfolio, Derek makes home financing feel approachable and personalized.

With deep expertise in condo lending, jumbo financing, and multi-unit properties, Derek has built a reputation for being transparent, accessible, and solution-oriented. He’s helped hundreds of clients in his 15 years of experience find financing that fits their goals—not just for today, but for the long term.

Derek is passionate about education and empowering his clients to make smart, informed decisions. Based in Chicago’s North Center neighborhood, he’s a proud Bears fan (unfortunately), and one of three brothers. He wants to be known as the mortgage advisor who treats every client like family—with honesty, patience, and a plan that works.

NMLS #920679 • Licensed in IL, IN, WI, AK, OH
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Who I Help
and Why

First-Time Homebuyers

Plain-English guidance, down-payment options, and a step-by-step plan from pre-approval to keys—no surprises.

Homeowners & Refi Savers

Lower your payment, consolidate debt, or tap equity. I run the numbers fast and only recommend a refi if it truly helps you.

Real Estate Partners

Fast pre-approvals, proactive status updates, and on-time closings that protect your contracts—and your reputation.

Self-Employed Buyers

bank-statement, asset-qualifying, and other flexible options explained simply.

Let’s Map Your Next Step
See what fits your budget in seconds with our mortgage calculator.

Mortgage Calculator

Tools & Guides

I offer short, simple resources to help you know your figures and next steps.

✓ Buyer Starter Guide: What to do first, what documents to gather, and how pre-approval really works—so you can shop with confidence.

✓ Refi Savings Check: See payment, terms, and break-even at a glance. If it doesn’t help, I’ll let you know.

"Every day, I work hard to help families achieve their dreams of homeownership because I know how much it means to have a place to call home."

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Let’s plan your next step

One call.
A clear plan.
Then action.

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