Accounts & Services

First Time Homebuyer Program

Convenient Loans and Service You Can Trust

Pre-Qualify Before You Shop Apply | Print a Blank Application | Reviews

Property Types
  • Illinois and Idaho properties
  • Single Family Owner Occupied Residences
  • Condos
  • Town homes
  • Duplexes
Loan Type 100% Financing
Terms 15, 20, 25 or 30 Years
Down Payment
  • $500 in assets for qualified borrowers
  • Maximum income restrictions apply
Rates Slightly higher then our standard fixed rate product. 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 Amounts
  • $25,000 Minimum
  • $359,650 Maximum
Loan Purposes Purchase first home
Pre-approval time 1 to 2 days
Approval time 3 to 4 weeks
Closing Costs May be in the form of borrowers funds, gift funds or seller concessions.
Escrows An escrow account for taxes, homeowner's insurance, flood insurance and private mortgage insurance is required.
Private Mortgage Insurance (PMI) Required
Prepayment No prepayment penalties
Home Buyer Counseling Program Required on all first time homebuyer loans

Pre-Qualify Before You ShopApply | Print a Blank Application

Contact our Real Estate Specialist at (815) 267-7700 for more information.