We manage your conventional, home equity, or balloon loan. With this, you will enjoy flexible terms, in-house underwriting, fast turnarounds, and decisions made by local bankers.

We partner with industry leaders for FHA, VA, Conventional and Down Payment Assistance Programs.

Unsure what mortgage is right for you? Contact our Real Estate Lending department at 815-282-0300.

As mortgage rates and your financial goals change, you might consider the benefits of a mid-loan refinance. We can walk you through the options that could meet your goals, whether that’s a shorter loan or a smaller monthly payment.

You can use existing equity in your home to pay for home additions or improvements. This is called a home equity line of credit, or a HELOC. These types of loans have two distinct benefits: a lower interest rate than some traditional types of loans, and the possibility of taking a tax deduction on the interest.

With a HELOC, your line of credit increases as you repay your outstanding balance. This allows you to have the option of paying back and borrowing multiple times over the life of your home loan.

In a nutshell, a cash out refinance allows you to take on a larger mortgage in exchange for accessing the equity in your home. 

A HELOC works much like an extremely low-interest credit card. When you need money, you can draw upon the account up to a certain limit and within a certain timeframe. 

Equity is the current value of your home minus the amount you still owe on your mortgage. 

For example, let's say your home is valued at $200,000 and you still owe $150,000. You would have $50,000 in equity! Nice!

The legal people say we need to collect information about your work history, W-2s, pay stubs, mortgage statement, and proof of homeowner's insurance. 

Nope! You decide. Consolidate debt, plan for your child's future, or update your master bathroom - it's really up to you. But if you need guidance, we are totally here for that too!

*(Note: There could be tax implications if the loan is not used to purchase, build or substantially improve your home - please speak with your tax advisor.)

Use our mortgage calculator to estimate your monthly payments, see how the interest rate can affect your payments, and more!