The following loan options are available for homebuyers seeking one- or two-residence units to serve as their primary residences. Each option requires a contribution of at least 1% or $1,000 of the purchase price.

SmartMove (first-time homebuyers)

First-time homebuyers may qualify for the SmartMove loan, which offers an affordable 30-year fixed-rate mortgage and up to $6,000 for down payment and closing costs. If you are a first-time homebuyer able to afford the monthly mortgage payment, you may qualify for this loan.

SmartMove Plus (current homeowners)

Those who currently own a home and aim to refinance or buy a new home, may qualify for a SmartMove Plus loan. This option offers a 30-year fixed rate mortgage with a competitive interest rate.

SmartMove Trio (first-time homebuyers)

First-time homebuyers may be eligible for SmartMove Trio, which offers: up to $6,000 toward down payment and closing costs; a federal tax credit that reduces income tax liability by up to $18,000 over the loan life; and a 30-year fixed rate mortgage. If you're a first-time homebuyer you may be eligible.

Welcome Home Heroes (veterans and military personnel)

Current and former members of our Armed Forces may be eligible for a Welcome Home Hero loan. This option provides: $10,000 cash assistance toward down payment and closing costs; a 30-year fixed rate mortgage; and a federal tax credit that reduces the federal income tax liability by up to $18,000 over the loan life. If you are a veteran, you may be eligible, whether you are a first-time buyer or currently own a home. If you are active military personnel, a reservist, or an Illinois National Guard member you must be a first-time homebuyer to qualify.

Buying a home may be more affordable than you think. Let us help you find the right one. Contact us today to get started.