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Home Loans

Home Loans

Whether you are looking to purchase a home or refinance your existing home, Illinois Community Credit Union has the right loan to fit your needs.

In the market to purchase? Purchasing a new home, especially your first home, is exciting but can be intimidating. ICCU and our lenders will become your partner during the purchase process to assist you from start to finish. We offer Conventional, FHA, VA and USDA Mortgages.   

Illinois Community Credit Union can assist you in refinancing your mortgage. Whether you want a lower rate or payment, have a child going to college, or want to take cash out for home improvements, we can custom fit a mortgage loan to your specific situation. We offer fixed rate and adjustable mortgages with flexible terms. Check out the Pre-Approval tab to get started.  Then call us at (815) 895-4541. 

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Low, fixed rates on first mortgages: 5, 7, 10 Year Loans

Rates as low as 3.49% for a 5 year term*

Missed out on last year’s low rates?  Low rates are back!  When you refinance with a short-term mortgage, you could reduce the interest you pay, and possibly lower your monthly payments.* 

  • Low closing costs
  • Local, fast decision
  • And, your loan STAYS local

Simply apply online, or call 815-895-4541, option 4, to make an appointment.


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*APR = Annual Percentage Rate: Rates listed are the lowest available and depend on credit worthiness. Standard credit and underwriting qualifications apply. Actual APRs and terms depend on credit history, type of product, and our underwriting standards. Rates are subject to change. Illinois Community Credit Union membership is required. Additional terms and conditions may apply. Contact the Credit Union for full details. Equal Housing Lender.

Why get pre-approved?   


Home loan pre-approval helps you get a better idea of what size and type of mortgage you might qualify for before submitting your application.  When you know this information, you can better plan and prepare financially for meeting your home ownership goals. 

 

Our mortgage team
 

Our mortgage-lending representatives are experienced with an understanding of the magnitude of the home buying process and the stress it can create.  As seasoned lenders, they'll walk you through your options and bring creative problem solving skills to your individual situation. That helps take the pressure off you – so you can focus on the fun things about purchasing a home!  


What to bring to your meeting:

Paystubs for last 30 days
Last two years’ W-2’s
2 months of bank statements
2 Years tax returns if self employed
 
 
 
 


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