Real Estate and Mortgage Guide for Naperville, IL

Separated across Will and Dupage counties in Illinois is a Chicago suburb named Naperville. In the Kiplinger list of best places for early retirement published in the year 2013 Naperville ranked 1st.

Population and Number of Homes

The recent census states that Naperville has slightly more than 141,000 people and about 52,000 housing units. The density of people for every square mile is 4,162.

The population breakdown by age is fairly even. 30% of the people are less than age 18. About 8% are college-aged while 29% are between the ages of 25 and 44. 26% of the city is between ages 45 and 64 and the remaining 6% are above age 64.

Local Economy

Thanks to its location within the famed Technology and Research Corridor of Illinois, Naperville has quite a few employers tied to science and technology. Some of the biggest employers by number of workers are:

  • Bell Labs
  • Nicor
  • Edward Hospital
  • Western Electric
  • Tellabs

OfficeMax has also relocated its corporate headquarter to Naperville.

Average Weather

Naperville enjoys a very mild climate. During the summer the temps can reach up to 87 degrees. July is usually the hottest month. In the winter the temperature can drop down in the teens. January is normally the coldest month.

Rainfall is spread almost evenly during the year with about 38 inches of total precipitation. Winter commonly sees snowfall with some accumulation.

Universities, Colleges and Junior Colleges

North Central College is located in the heart of Naperville. In addition, the following universities all have satellite campuses in Naperville

  • DePaul University
  • Devry University
  • Northern Illinois University
  • Governors State University
  • Northwestern College

Public School System

Unit School District 203 is the governing school district for Naperville. The district includes 2 high schools; Naperville North High School and Naperville Central High School. There are also 4 middle schools and a total of 13 elementary schools around the city.

Private Schools

There are a total of 10 private schools in Naperville that offer classes up to 12th grade. Many of these are faith-based organizations. There is also a Montessori school as well as an autism school.

Important Stats for Level of Education

For the citizens over age 25 in Naperville, here are the important education stats

  • 95% have graduated from high school
  • 65% have earned a bachelor’s degree
  • 27% have earned either a professional or graduate degree
  • the unemployment rate is 5%

Transportation Options

Most of the population in Naperville uses personal cars for their transportation needs.

Amtrak has a train station in the northern part of town that travels to Chicago and St Louis. In addition, the Metra 59 station connects Naperville to Chicago for commuters.

For airport transportation, the people of Naperville use either Midway International or O’Hare International airports, both located in Chicago.

Popular Restaurants and Other Hot Spots

Naperville is home to some wonderful restaurants that are sure to please most any kind of food interest.

  • Meson Sabika – Tapas Bar and Spanish menu
  • Heaven on Seven – Cajun and Creole food
  • Naf Naf Grill – middle eastern inspired dishes
  • Joy Yee Noodle – Thai and Chinese dishes
  • White Chocolate Grill – steakhouse
  • Lou Malnati’s Pizza – Pizza and sandwiches
  • Shinto Naperville – sushi bar and Japanese food


There are two hospitals serving the needs of Naperville, the Central Dupage hospital and Edward Hospital.

Outdoor Activities

Naperville has over 130 parks that cover a combined 2,400 acres throughout the area in and around Naperville. Some of the activities and facilities managed as part of the park system are:

  • Two parks designated for in-line skating and skateboarding
  • The riverwalk at Alfred Rubin
  • Frisbee golf and mountain bike trails at Knoch Knolls park
  • Naperville Sportsmans Club – trap shooting range available to the public

Why Choose us as Your Naperville Mortgage Lender?

We are a Mortgage Lender specializing in mortgage loans since we first opened our doors. With licensed offices in 47 states, we have the staff and the experience to meet any home loan needs.

We were named to Mortgage Executive Magazine's list of Top 100 Mortgage Companies in America. In 2018 we were awarded as a Top Mortgage Lender in Top Dollar Volume by Scotsman Guide. We were also named a Top Workplace by the Houston Chronicle for the 5th year. Finally, we were named to Inc. 5000 list of Fastest-Growing Private Companies in America.

Besides these accolades, we are proud that President Ron Zach was named to National Mortgage Professional Magazine’s list of the 40 most influential mortgage professionals under 40.

How to Buy a Home in Naperville with Little or No Money Down

Of course you want to buy a home in Naperville with no down payment. Who doesn’t?

Here’s how you do it:

Many people never buy the home of their dreams simply because they don't think they have enough money for the down payment. They have been told through the years that they need 10% or 20% of the purchase price in order to buy a home. Well, this is true for the conventional/conforming loan programs but not for Naperville Government loans.

So why have so many Lenders told them this?

It’s because selling homes to people with 10% or 20% down is easier than selling homes to people who have little or no money for a down payment. Most mortgage loan officers would rather go after the "easy sale" than try to help people who would rather save the down payment money for a rainy day or for current and future repairs/upgrades.

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