Stop dreaming, start decorating. Whether you want to build, buy, or refinance, our mortgage experts will work with you to find financing that fits your budget — because we stand side by side with our neighbors.

View our mortgage calculators to help you decide which program is right for you.

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Mortgage Programs

30 Year Fixed Rate Mortgage

The 30 year fixed rate mortgage is one of the most popular and secure home loan options available, especially if you want your monthly payments to be low and never change. Apply now for a 30 year fixed rate mortgage.

20 Year Fixed Rate Mortgage

15 Year Fixed Rate Mortgage

If you’re looking to save thousands in interest expense and you want to own your home quicker versus a 30 year fixed rate mortgage, a 15 year fixed rate mortgage could be good for you. Plus, your payment and interest rate will never change during the term of this mortgage. Apply now for a 15 year fixed rate mortgage.

Jumbo Loans

If your home loan amount exceeds the current conforming loan limita (in most cases $424,000), a Jumbo loan is the type of loan for you. Jumbo loans can be of the fixed or adjustable variety. Apply now for a Jumbo loan.

Low Down Payment Loans

FHA Loans

FHA Loans are low down payment loans guaranteed by the US Government. They Offer loan flexibility and FHA loan is an easy way to get a new home loan with a down payments can be as low as 3.5%. Apply now for your FHA loan.

  • Low Down Payment of 3.5%; all of this down payment can come in the form of a gift from a family member or employer
  • The home seller can contribute 6% of the sales price to help the buyer with closing costs!
  • Non-occupant co-signers are allowed

Home Ready Program

You've been saving for a home, watching interest rates and waiting for the right time to move forward. In order to help today’s future homeowner with their diverse financing needs, the HomeReady® loan program was designed with affordability in mind.

  • Designed for creditworthy low to moderate income borrowers
  • Low Down Payment    
  • As little as 3% down payment is required for home purchase and refinance loans
  • Flexibile underwriting requirements

Assist Bond Program

Illinois Housing Development Authority Program

Find Down Payment Programs

Down payment assistance programs exist to help first-time homebuyers and low to moderate income homebuyers overcome the challenge of saving money for a down payment.

Loans for Veterans

The dedication to our country deserves recognition. With relaxed credit standards and low down payment options, the VA loan is geared specifically to help veterans, military personnel and their surviving spouses get a mortgage and own a home. Apply now for your VA loan.

  • No down payment financing is available for the purchase of 1-4 unit primary residences.
  • No monthly mortgage insurance payments for VA loans
  • No penalty for pre-paying your VA loan
  • The home seller can contribute 4% of the sales price to help the buyer with closing costs!
  • VA loan amounts up to $1 Million is available with equity and/or down payment. Call a mortgage lender for more details

Loans for Rural Properties

If your ideal neighborhood isn't in a big city, but a quiet spot in a small town or designated rural area, you may be eligible for a USDA Rural Development Loan.

  • No down payment required
  • Income restricted to borrowers that do not exceed 115% of the median income for that area.  
  • Geographically restricted to designated rural areas as defined by the USDA Rural Development. Call one of our mortgage lenders to see if your property is eligible.
  • The home seller can contribute 6% of the sales price to help the buyer with closing costs!
Buying a New Home

Whether you’re a first-time homebuyer or a longtime homeowner, purchasing a new home can be a complex endeavor. You need a trusted source to work with on your new home purchase. We only employ full time mortgage lenders. Our people are specialists and know the mortgage business inside and out.

At Town and Country, we take the time to understand your unique circumstances and we provide the unmatched service you need to choose a home mortgage plan that works for you! We offer a variety of affordable home loan options, highly competitive interest rates and an easy online application process. And we’re side by side every step of the way, answering all of your questions and making it easy for you to relax and focus on finding a place to call home.

Refinance or Remodel My Home

Refinance My Home

Our home refinance process helps you take control of your mortgage expenses.  We’re committed to providing you with the options, helping you understand them and guiding you on the right decision for your financial future.

Remodel My Home

Whether launching a major renovation, adding on to your home or building from the ground up, Home Improvement Construction Loans from Town and Country are designed to help you finance the home you always imagined.

  • One-time closing process can save on fees
  • One loan means that you lock in your rate and payment in the beginning. Which means that you may be able to avoid additional interest costs associated with a higher interest rate selection
Build a New Home
  • Competitively low rates for your home construction project
  • Available for primary residence or second home construction
  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
  • Pay off interest quicker; payments are interest-only during construction phase
  • Payments are made on the amount drawn on your loan sufficient to pay your builder
  • Construction draws applied in stages based on work completed