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LUXURY SPECIALISTS

With a proven history of success in the luxury market, our team brings the expertise and insight needed to guide you seamlessly through every step of buying or selling a high-end home.

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Clarity. Confidence. Control.

Luxury

Experience

The Mark Waldhoff Team has been successfully serving the Champaign County luxury market for years. With more than 50 years of combined experience, our success in this space is built on a deep knowledge of the market, meticulous attention to detail, a wide professional network, and the extensive expertise we have gained over the years.

With this level of experience, our team has consistently been recognized as one of the most productive and awarded groups in the region. We are proud to deliver exceptional results and a high level of service to every client, ensuring a seamless and rewarding experience in the luxury home market.

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Mark and his team did a fantastic job (twice)!Pengei S.

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Service

Unlike many real estate teams that rotate clients between multiple agents or assistants, our approach is intentionally different. When you work with us, you receive direct, hands-on service from the same dedicated professionals throughout the entire process. You are never passed off or reassigned, ensuring clear communication, accountability, and a truly seamless experience from beginning to end.

This level of continuity allows us to deliver a refined, white-glove standard of service tailored specifically to the expectations of luxury clients. Every detail is handled with care, precision, and discretion, resulting in a highly personalized experience built on trust, consistency, and exceptional attention to detail—the level of service you should expect and deserve.

Services

What are your goals?

Every situation is unique. Let us help you find the right solution. Request your personalized rates and explore tailored financing options designed to fit your needs and goals.
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Loan programs

we specialize in

Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.

  • Fixed Rate Mortgages
  • FHA Loans
  • VA Loans
  • Rehab Loans
  • USDA Loans
  • Jumbo Loans
  • First Time Homebuyers
  • Low Down Payment Loans
  • Investment Property Loans
  • Bank Statement Program
  • Bridge Home Loan
  • Construction Home Loan
  • DSCR Home Loan
  • Fix & FLip Home Loan
  • HELOC Home Loan
  • Reverse Mortgage
  • Seller-Paid Buydown
  • Refinance
  • Cash-Out Refinance
  • VA Loan Refinancing
Loan programs

Expert Guidance

Selecting the right mortgage product is a key part of the homebuying process, and one that should be approached with care. With so many loan options available, it's important to evaluate your current financial standing, long-term goals, and eligibility requirements. Our experienced team is here to provide clear, professional guidance tailored to your needs, ensuring you feel confident and well-informed at every stage of your home financing journey.

Fixed Rate Mortgage

A fixed rate mortgage offers stability and predictability with an interest rate and monthly payments that remain consistent throughout the life of the loan. This option is ideal for borrowers who value long-term financial planning and want protection against future rate increases.

FHA Loan

FHA loans, backed by the Federal Housing Administration, offer government-insured financing solutions with flexible qualification standards. They are an excellent choice for buyers with lower credit scores, smaller down payments, or those seeking more accessible paths to homeownership.

VA Loan

Available exclusively to eligible veterans, active-duty service members, and certain military spouses, VA loans offer flexible terms, competitive rates, and the option of either fixed-rate or adjustable-rate mortgages. They are designed to make homeownership more affordable for those who have served.

USDA Loan

USDA loans provide an opportunity to purchase a home with no down payment in designated rural and suburban areas. Backed by the U.S. Department of Agriculture, these loans offer affordable financing options for moderate- to low-income borrowers seeking to live outside major metropolitan areas.

Jumbo Loan

Jumbo loans are designed for borrowers seeking to finance properties that exceed conventional loan limits. Offering maximum flexibility, these loans provide the opportunity to purchase high-value homes while maintaining competitive terms tailored to your unique financial situation.

First Time Home Buyer

Specialized loan programs for first-time buyers offer valuable benefits such as lower down payment requirements, reduced interest rates, and assistance with closing costs. These programs are crafted to make the journey to homeownership more accessible for new buyers.

Low Down Payment Options

For buyers who are ready to own but prefer to keep more cash on hand, low down payment programs offer a practical path forward. Explore a variety of solutions that allow you to secure a home with minimal upfront investment while maintaining affordable monthly payments.

Investment Property

Whether you're purchasing a vacation home or expanding your real estate portfolio, specialized loan programs for investment properties can provide the financing you need. These loans are structured to support both rental income opportunities and long-term wealth building.

Bank Statement Program

Ideal for self-employed individuals and business owners, the bank statement program uses your deposit history rather than traditional income verification to qualify you for a mortgage. This flexible solution makes home financing accessible to a broader range of borrowers.

Construction Home Loan

A construction home loan allows you to finance the building of a new home from the ground up. Tailored to meet the unique challenges of construction financing, this option provides funding at each stage of the building process with the convenience of a single closing.

DSCR Home Loan

Whether you're purchasing a vacation home or expanding your real estate portfolio, specialized loan programs for investment properties can provide the financing you need. These loans are structured to support both rental income opportunities and long-term wealth building.

Fix & Flip Home Loan

Fix and flip loans offer short-term financing for investors looking to purchase, renovate, and quickly resell properties. These loans provide fast access to capital and are structured to support quick turnarounds and value-added renovation projects.

HELOC Home Loan

A Home Equity Line of Credit (HELOC) lets you tap into your home's equity with a flexible, revolving credit line. Whether you’re funding home improvements, covering education expenses, or managing unexpected costs, a HELOC provides convenient access to funds as needed.

Reverse Mortgage

Designed for homeowners aged 62 and older, a reverse mortgage allows you to convert a portion of your home equity into tax-free cash without selling your home. This solution can help secure a more comfortable retirement while allowing you to stay in your current residence.

Seller-Paid Buydown

A seller-paid buydown enables the seller to contribute toward lowering your mortgage interest rate for the first few years of your loan. This strategy can make your monthly payments more affordable and ease the financial transition into homeownership.

Refinance

Refinancing your mortgage may help you lower your monthly payments, secure a better interest rate, or adjust your loan terms to better suit your current financial goals. It can be a valuable tool for managing long-term homeownership costs more effectively.

Cash-Out Refinance

A cash-out refinance allows you to access the equity you've built in your home by refinancing for more than you owe and taking the difference in cash. It’s a flexible solution for funding home improvements, consolidating debt, or covering major expenses.

VA Loan Refinance

Rehab loans provide financing for both the purchase and renovation of a property, making them an excellent option for buyers looking to restore or modernize older homes. These loans combine the cost of acquisition and improvements into a single mortgage, offering a streamlined path to transforming a fixer-upper into your dream home.

Rehab Loans

VA refinance options, including the Interest Rate Reduction Refinance Loan (IRRRL) and the VA Cash-Out Refinance, offer flexible ways for eligible veterans and service members to lower their interest rates, access home equity, or adjust their loan terms to better fit their needs.

Bridge Home Loan

A bridge loan offers short-term financing to "bridge" the gap between the sale of your current home and the purchase of your next one. Designed for flexibility, this solution provides access to equity and liquidity, allowing you to move forward with a new home purchase without waiting for your existing property to sell.
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Hear What Our Clients Have to Say

"I recently worked with Mike to sell my house in Champaign. From the start Mike was AWESOME. He helped me get the house ready before listing and was there every step of the way. The fact that I moved to Alabama when the house first listed had me a bit concerned but Mike was great at taking care of everything that needed to b…
dukeflak
Sold a Single Family home in Champaign, IL.
"Excellent in all regards! Really enjoyed working with Mark and his team! They helped us to both buy and sell our home. They provided expert advice on all fronts and made the entire process as smooth as possible, even with some small bumps along the way. I would recommend this team to anyone looking to buy/sell in the Champa…
Greg
Bought and sold a Single Family home in Urbana, IL.
"Mark and his team did a fantastic job of representing us as the sellers. They took care of every detail and got us a very good and fair price for our house. From agent, to staging, to photography, to media, to internet and office support, Mark’s team is fantastic. We highly recommend them."
mffeilen
Sold a Single Family home in Champaign, IL.
"Mark and his team far exceeded my expectations for the selling of my home. He gave excellent guidance and help, everything went quite smoothly, and it was all relatively painless. Thanks for the great job!"
Vicki Beitler
Sold a home
"Mark and his team did a fantastic job (twice!) for buying and purchasing our homes in Champaign! They are super dedicated to their customers. They are very trustworthy and provide nothing but a piece of mind for the home buying/purchasing process."
Pengfei Song
Bought and sold a Single Family home in Champaign, IL.
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Luxury Estates

Experience the pinnacle of luxury living in the Champaign County area with our curated collection of exceptional estates. These distinguished properties showcase refined craftsmanship, premium amenities, and sought-after locations within some of the region’s most desirable communities.

From elegant custom homes to expansive private estates, our luxury offerings combine timeless design with modern comfort. Explore these remarkable properties and discover a home that reflects your lifestyle, values, and vision of elevated living.

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