Rates and Programs

 

Refinance or Purchase the Home of Your Dreams!

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Consolidate debt

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Our experts specialize in financing Primary homes, Secondary/Vacation homes, and Investment Properties (1-4 units).

Let us guide you in securing the best loan option to fit your needs!

Apply online or contact us today.   PH: 630-844-4950 |  EM: mortgages@earthmovercu.com

 

TODAY'S MORTGAGE RATES

  15 Year Fixed

Rate 5.375%  /  APR 5.637%

Conventional Assumptions: Purchase Price $312,500, Loan Amount $250,000, single family home, Illinois primary residence, 80% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock
Refinance Assumptions: Single family home, Illinois primary residence, 80% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock

30 Year Fixed

Rate 6.125%  /  APR 6.288%

Conventional Assumptions: Purchase Price $312,500, Loan Amount $250,000, single family home, Illinois primary residence, 80% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock

  30 Year Fixed 1st Time Homebuyer

Rate 6.000%  /  APR 6.161%

0HomeReady Assumptions: Purchase Price $260,000, Loan Amount $252,200, single family home, Illinois primary residence, 97% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock, income limits apply; income cannot exceed 80% of the area median income(AMI) 

 30 Year Fixed FHA

Rate 5.750%  /  APR 7.152%

FHA Assumptions: Purchase price $210,000, Loan Amount $206,196, 3.5% down-payment, 680 credit score, Illinois primary residence only, single family home, fees include 1.75% up front mortgage insurance premium (UFMIP) as required by FHA, results in higher APR, 45-day rate lo

 30 Year Fixed VA

Rate 5.750%  /  APR 6.101%

VA Assumptions:  Purchase price $200,000, Loan Amount $204,300, no down-payment, 680 credit score, Illinois primary residence only, single family home, fees may include 2.15% VA funding fee as required by VA, first-time use, regular military, 45-day rate lock.

Rates current as of 9/18/2025 at 9:16am

Rates are subject to change at any time; longer rate lock periods may be required