Program workspace

“"I can't express enough how impressed I have been with [ACBT]! Starting our business 10 years ago was made so much easier. I love the small town feel of this bank. Everyone has been amazing." Renee "As a small business owner, I truly understand the importance of knowing your customers and understanding their needs. ACBT demonstrates their understanding of small business[es] and our unique needs. The professionalism combined with the personal touch that ACBT has is something that is rare to find in today's environment." Frank”

“The amount you are applying for and purpose of loan (construction, type of property purchase, use, etc.)”

“Before you apply, there are some items and pieces of information you should have on hand. This includes: The amount you are applying for and purpose of loan (construction, type of property purchase, use, etc.) Information about collateral, if applicable (speak to a lender if you have questions) If you are applying for a business, you may also need to provide: Business name Business address Business Tax ID Number Details about your business, as applicable: Annual revenue (may need tax returns), number of employees, how long you’ve been in operation Information about each business owner: name, home address, Social Security Number, title at company, ownership percentage, state-issued ID. Other liabilities If you are applying for yourself, you may also need to provide: Proof of income: paystubs, tax returns, and other sources of income Your legal name, home address, Social Security Number, state-issued ID. Your other liabilities”

“Since 2000, ACBT has maintained a local presence in Northern Illinois and the Chicago suburbs. Our offices are staffed with friendly and knowledgeable bankers ready to provide commercial lending solutions for your small business. Our Arlington Heights and Oakbrook Terrace offices are convenient to Chicago. We also provide commercial loans to small businesses in Wisconsin and Indiana. You can also find us in Crystal Lake , Huntley , McHenry , and Woodstock . In all of the communities we serve, our commercial loans have helped finance and build commercial properties such as warehouses, offices, apartment buildings, multi-family properties, and more.”

“When you get a business or commercial real estate loan through American Community Bank & Trust you’ll get: Fast, local decision-making Regional expertise and affiliations with area real estate agents and builders Flexible term lengths with fixed or variable interest to meet your financial needs A life-long banking partnership With local decisions, knowledge of our regional markets, and committed service, we can help ensure your commercial real estate purchase process goes smoothly and efficiently. Our commitment doesn’t stop once you sign the paperwork. We work hard to build long-term relationships with our clients, and will continue to provide the products, services, and advice you need for your business to prosper. Reach out to one of our experienced commercial lenders to get started!”

“Here are a few of the benefits of Business Construction Loans from American Community Bank & Trust: Competitive rates and flexible terms An attentive, local lender during application and disbursements of funds Loan disbursements (draws) can be tied to completion of construction phases Interest-only payments during construction Construction-to-permanent options, to convert loan to term loan at conclusion of construction With a construction project, it’s important to have a banking partner who will be with you every step of the way. At American Bank & Trust, we will work with you to understand your business needs and goals for growth, while building a long-term relationship that will benefit your business for years to come. As a privately-owned bank, we provide faster decisions than larger lenders. Count on us to be your trusted commercial lender !”

“Home Lending Center Business Lending Commercial Real Estate Loans”

“Construction & Lot Loans”

“Chris A Friis Senior Vice President, Commercial Lending NMLS: 767639 Location: Schererville Office Phone: (219) 440-5990 Contact Me Rick Gard Vice President, Commercial Lending NMLS: 1841969 Location: Schererville Office Phone: (219) 440-5990 Contact Me Close”

“7880 Wicker Avenue St. John, IN 46373 (219)365-6700 (219)365-6711 (800)528-2273 Lost/Stolen Debit Card Facebook Twitter Instagram Deposit Rates | Lending Rates | Careers | About Us Routing #: 271974017 NMLS Institution #: 440104 External link to FDIC website External link to equal housing lender website Sitemap | Privacy Policy | Terms of Use | Accessibility Guidelines | USA Patriot Act | Code of Ethics | Fee Schedule | Cookie Preferences | Your Privacy Choices Aa Aa Aa Close Personal Personal Accounts Checking Accounts Savings Accounts Certificates of Deposit Individual Retirement Accounts Credit Cards Health Savings Account Back Account Access Online Banking Mobile Banking e-Statements Debit Cards Order Checks Mobile Wallet Back Resources Wealth Management Switch Kit Security Center Security Resources Back Back Local Banking at Its Best Local Banking at Its Best Back Business Business Accounts Business Checking Accounts Business Online Banking Business Mobile Banking Business Debit Cards Business Credit Cards Order Business Checks Back Treasury Management ACH Origination Remote Deposit Merchant Services Wire Services Fraud Protection Back Resources Sweep Services Zero Balance Accounts Lockbox Services Vault Services Wealth Management Security Center Back Local, Responsive Business Lending Local, Responsive Business Lending Back Lending Center Personal Lending Mortgage Loans Home Equity Loans Construction & Lot Loans Our Community Loan Programs Vehicle Loans Loan Servicing Back Business Lending Commercial Loans Commercial Real Estate Loans SBA Loans Loan Servicing Back Local Mortgage Lending – Apply Now! Local Mortgage Lending – Apply Now! Back Resources Banking Resources Wealth Management Security Center Security Resources Back Holiday Schedule Investor Relations Careers Back Convenience Resources Digital Banking Switch Kit Cashier's Checks Money Orders Safe Deposit Boxes Back Local Mortgage Lending Local Mortgage Lending Back Contact Us Lost/Stolen Debit Card Hours & Locations About Us Online Banking Close Personal Banking Business Banking Business Services Xpress Deposit Mortgage Lending Mortgage Application Schedule an Appointment Close * - Indicates required fields Name * Email * Phone * Preferred Branch Location * Select Preferred Branch Schererville Office Crown Point Office Dyer Office Hammond Office Munster Office Preferred Time of Day * Select Time of Day Morning Midday Afternoon No Preference Topic * Select Topic Open a Personal Account Open a Business Account Loan Consultation/Application Commercial/Business Lending SBA Lending Open/Renew a CD Replace/Request a Debit Card Online/Mobile Banking Other - Please Specify in Details Additional Details (DO NOT include any personal information such as Account Number or Social Security Number) A banker will contact you directly to confirm your appointment time.”

“Anthony Gallego joined American First Credit Union in September 2019 as a Commercial Real Estate Loan Officer. He brings over 15 years in the real estate/mortgage industry. He specializes in permanent financing on Apartments, Manufactured Housing Communities, Retail, Light Industrial, Office, Self-Storage facilities, and single-tenant, net lease properties (QSRs, Pharmacies, Grocery Stores, etc). Anthony holds a Master of Business Administration (M.B.A.) focused in Finance from the University of La Verne. He also holds a Real Estate Salesperson License from the California Department of Real Estate. Outside of work, he enjoys spending time with his family, cycling, the outdoors, and volunteering with non-profit organizations that serve the community. He is also a member of the Brea Rotary club. Jeremy Jorgensen Sr. Commercial Real Estate Loan Officer Commercial Real Estate Phone: (562) 665-0885 Email: jjorgensen@amerfirst.org Contact Me See My Bio Close”

“Anthony Gallego Sr. Commercial Real Estate Loan Officer Commercial Real Estate Phone: (562) 237-5044 Email: agallego@amerfirst.org Contact Me See My Bio Close Anthony Gallego Anthony Gallego joined American First Credit Union in September 2019 as a Commercial Real Estate Loan Officer. He brings over 15 years in the real estate/mortgage industry. He specializes in permanent financing on Apartments, Manufactured Housing Communities, Retail, Light Industrial, Office, Self-Storage facilities, and single-tenant, net lease properties (QSRs, Pharmacies, Grocery Stores, etc). Anthony holds a Master of Business Administration (M.B.A.) focused in Finance from the University of La Verne. He also holds a Real Estate Salesperson License from the California Department of Real Estate. Outside of work, he enjoys spending time with his family, cycling, the outdoors, and volunteering with non-profit organizations that serve the community. He is also a member of the Brea Rotary club.”

“Starting his career at one of the nation’s largest commercial real estate brokerages, Dillon underwrote thousands of loans across various property types and consistently generated new business. His skills in financial analysis, credit memoranda preparation, and tailored solutions for clients were honed early on and have been foundational to his success. Moving to a credit union, he managed a diverse commercial real estate portfolio, while originating several hundred million dollars in commercial loans. His expertise in advanced credit analysis, underwriting, and structuring complex transactions perfectly aligns with the demands of his current role. In his last position as Manager of Business Lending Originations at another institution, Dillon developed commercial loan programs and cultivated strong relationships with other lenders, brokers, and investors, while also driving significant loan growth. With a broad professional network, deep market knowledge, and a track record of execution, Dillon Renn continues to leverage his experience to drive new opportunities and deliver successful closings to his clients. Close”

“Dillon Renn Sr. Commercial Real Estate Loan Officer Commercial Real Estate Phone: (562) 237-5036 Email: drenn@amerfirst.org Contact Me See My Bio Close Dillon Renn Starting his career at one of the nation’s largest commercial real estate brokerages, Dillon underwrote thousands of loans across various property types and consistently generated new business. His skills in financial analysis, credit memoranda preparation, and tailored solutions for clients were honed early on and have been foundational to his success. Moving to a credit union, he managed a diverse commercial real estate portfolio, while originating several hundred million dollars in commercial loans. His expertise in advanced credit analysis, underwriting, and structuring complex transactions perfectly aligns with the demands of his current role. In his last position as Manager of Business Lending Originations at another institution, Dillon developed commercial loan programs and cultivated strong relationships with other lenders, brokers, and investors, while also driving significant loan growth. With a broad professional network, deep market knowledge, and a track record of execution, Dillon Renn continues to leverage his experience to drive new opportunities and deliver successful closings to his clients.”

“FAQs Routing Number: 322275607 Connect with Us Facebook Instagram LinkedIn Member Service Call Us Anytime (24/7): (800) 290-1112 contactus@amerfirst.org AFCU Locations & Hours CO-OP Locations & Hours NMLS Number: 454697 Top Links Member Benefits Bank with Us Careers Business Services Online Banking Mobile Banking Digital Services Order Checks Resources/Education Forms & Disclosures View All Pages Satisfaction Survey © 2026 American First Credit Union. All rights reserved. Privacy Policy Terms of Use Web Accessibility Guidelines USA Patriot Act Avoid Foreclosure External link to equal housing lender website Federally Insured by NCUA Back to Top You are now leaving American First Credit Union You are leaving the American First Credit Union website. We are not endorsing or guaranteeing the products, information or recommendations provided by the organizations linked to our website. We are not liable for any failure of products or services advertised on those sites. We are not responsible for the validity, collection, use or security of information by organizations that may be linked to our website. We encourage you to read the privacy policies of websites reached through the use of links from the American First Credit Union website. Email is not a secure method of data transfer. Personal and confidential information should not be sent via email. Please contact American First Credit Union if you need to provide confidential information. Continue to Email? Continue to Site Cancel Welcome Close Open an Account Bank with Us Make a Loan Payment Products & Services Home Loans Vehicle Loans Personal Loans Credit Cards Commercial Real Estate Checking Savings Products Youth Accounts Business Services American First Wealth Management Digital Services Insurance Account Security Resources/Education Promotions View All Pages Back Connect With Us Contact Us About Us Find a Branch Careers The Latest News Back Aa Aa Aa We use cookies to provide you with the best experience on our website. By clicking okay, you agree to our use of cookies in accordance with our cookies policy . Okay”

“Whether you're looking to add a secondary income, make investments with strong returns, or renovate the property you've already purchased, all decisions related to your commercial loan are handled in-house by our expert lending team. Multi-family apartment buildings Manufactured housing communities Self-storage facilities Multi-tenant light industrial Medical office Essential NNN's”

“Jeremy’s Commercial Real Estate experience initiated in 2012, with the sale and acquisition of multi-family properties. His passion for assisting clients came to fruition through identifying value-add opportunities. His lending experience began as an underwriter, specializing in multi-family, light industrial, and multi-tenant retail. Since joining American First Credit Union, Jeremy has continued to broaden his knowledge set to also lend on mobile home parks, self-storage, and drive-thru restaurants across the contiguous 48. His diversified real estate experience-paired with his Master of Business Administration and a concentration in Finance allows him to meet the vast needs of his direct client relationships and brokers. Jeremy provides his clients with consistency and integrity. His goal for each client is the creation and perpetuation of wealth through Real Estate. John Omori Sr. Commercial Real Estate Loan Officer Commercial Real Estate Phone: (562) 448-8941 Email: jomori@amerfirst.org Contact Me See My Bio Close”

“Jeremy Jorgensen Sr. Commercial Real Estate Loan Officer Commercial Real Estate Phone: (562) 665-0885 Email: jjorgensen@amerfirst.org Contact Me See My Bio Close Jeremy Jorgensen Jeremy’s Commercial Real Estate experience initiated in 2012, with the sale and acquisition of multi-family properties. His passion for assisting clients came to fruition through identifying value-add opportunities. His lending experience began as an underwriter, specializing in multi-family, light industrial, and multi-tenant retail. Since joining American First Credit Union, Jeremy has continued to broaden his knowledge set to also lend on mobile home parks, self-storage, and drive-thru restaurants across the contiguous 48. His diversified real estate experience-paired with his Master of Business Administration and a concentration in Finance allows him to meet the vast needs of his direct client relationships and brokers. Jeremy provides his clients with consistency and integrity. His goal for each client is the creation and perpetuation of wealth through Real Estate.”

“John is a seasoned commercial real estate lending professional with a strong foundation in long-term client relationships. He is highly proficient in structuring financing solutions for clients ranging from small investors to large institutional developers across the United States. He specializes in multifamily, office, retail, industrial, and self-storage properties. His experience in relationship management, credit underwriting, portfolio management, and loan restructuring allows him to deliver timely, practical, and realistic solutions tailored to client needs. Prior to joining AFCU, John held commercial real estate loan origination and portfolio management roles at global and regional financial institutions, including First Foundation Bank, Bank of Hope, Umpqua Bank, and Bank of America Merrill Lynch. He earned a Bachelor of Science in Policy, Planning and Development with a Management emphasis from the University of Southern California. John is also actively involved in the community and has volunteered with Habitat for Humanity and the Orange County Food Bank. Dillon Renn Sr. Commercial Real Estate Loan Officer Commercial Real Estate Phone: (562) 237-5036 Email: drenn@amerfirst.org Contact Me See My Bio Close”

“John Omori Sr. Commercial Real Estate Loan Officer Commercial Real Estate Phone: (562) 448-8941 Email: jomori@amerfirst.org Contact Me See My Bio Close John Omori John is a seasoned commercial real estate lending professional with a strong foundation in long-term client relationships. He is highly proficient in structuring financing solutions for clients ranging from small investors to large institutional developers across the United States. He specializes in multifamily, office, retail, industrial, and self-storage properties. His experience in relationship management, credit underwriting, portfolio management, and loan restructuring allows him to deliver timely, practical, and realistic solutions tailored to client needs. Prior to joining AFCU, John held commercial real estate loan origination and portfolio management roles at global and regional financial institutions, including First Foundation Bank, Bank of Hope, Umpqua Bank, and Bank of America Merrill Lynch. He earned a Bachelor of Science in Policy, Planning and Development with a Management emphasis from the University of Southern California. John is also actively involved in the community and has volunteered with Habitat for Humanity and the Orange County Food Bank.”

“Make a Loan Payment”

“Anthony Gallego Sr. Commercial Real Estate Loan Officer Commercial Real Estate Phone: (562) 237-5044 Email: agallego@amerfirst.org Contact Me See My Bio Close”

“Save $2,500 with our Low LTV Special . Repeat borrowers receive an additional $2,500 off closing costs. Limited Time Only. Available only for Western United States properties with a maximum 55% LTV (loan-to-value).”

“Key Features Competitive Rates Local Processing Quick Decisions Request Info Details Competitive rates for the purchase or refinance of commercial properties* Available for owner-occupied or investment properties Acquisition, development, and mini-permanent financing for developments, including: Retail Office Industrial Warehouse Multi-Family And more Repayment terms customized to fit your business's unique needs Lending professionals with working knowledge of the local real estate market Quick, local decision-making and processing Attentive, friendly service from start to finish Request Info Share Print *All loans are subject to credit approval. Stay current with AMB right here. Get the Latest Terms & Conditions USA Patriot Act Privacy Policy Customer Security Awareness AudioEye Accessibility Consumer Complaints Sitemap © 2026 American Momentum Bank | Portions Copyright © Kasasa, Ltd. All rights reserved. NMLS ID# 476902”

“Acquisition, development, and mini-permanent financing for developments, including: Retail”