Looking to Purchase or Refinance?
We also specialize in financing second homes and investment properties (1-4 units).
Let us help you secure the best loan options for your needs!
Call us for more information today at 630-844-4950 or email mortgages@earthmovercu.com
15 Year | Purchase or Refinance
Rate 5.875% / APR 6.144%
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 | Purchase
Rate 6.750% / APR 6.922%
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
HomeReady Program Conventional | 30 Year | Purchase
Ideal for First Time Homebuyers
Rate 6.375% / APR 6.541%
HomeReady 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)
FHA | 30 Year | Purchase
Rate 6.250% / APR 7.646%
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
VA | 30 Year | Purchase
Rate 6.250% / APR 6.617%
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 3/25/2025 at 8:45am
Rates are subject to change at any time; longer rate lock periods may be required