Accounts & Services

Property Types	Illinois and Idaho properties Single Family Owner Occupied Residences Condos Town homes Duplexes Second/Vacation Homes (certain restrictions apply) 1 - 4 Family properties
Loan Types/Terms	Conventional Fixed Rate Mortgages - up to 40 year terms   Adjustable Rate Mortgages (ARM) - 1,3,5 & 7 year terms Interest Only Adjustable Rate - 3,5 & 7 year terms Low Rate 5 & 7 year Mortgage Refinance Programs  Jumbo Mortgages - 15 & 30 year fixed, Standard and Interest only ARM loans available Purchase Money Second Mortgage Programs
Rates	Change Daily - Check Today's Rates
Rate Locks	Rates published online are for a 45 day lock. 30 & 60 day locks are available and may have a rate adjustment.
Loan to Value (LTV)	Up to 95% LTV on certain products for qualified borrowers. Some restrictions apply. Private mortgage insurance is required on loans over 80% LTV
Loan Amounts	$25,000 Minimum $1,000,000 Maximum
Loan Purposes	Purchase or Refinance to Combine 1st and 2nd Mortgage Loans Consolidate Debt Lower Rate and/or Term Take Cash Out
Pre-approval time	1 to 2 days
Approval time	3 to 4 weeks
Closing Costs	Choose one: Illinois or Idaho
Escrows	An escrow account for taxes, homeowner's insurance, flood insurance and private mortgage insurance is required on loans over 80% LTV.
Prepayment	No prepayment penalties

Pre-Qualify Before You Shop | Apply | Print a Blank Appliction

Contact our Real Estate Specialist at (815) 267-7717 for more information.