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Illinois State Bank
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Fixed Rate Mortgages

A fixed rate means never having to worry about interest rates.

You have enough things to worry about. Interest rates shouldn’t be one of them. With an Illinois State Bank fixed-rate mortgage, you’ll never have to worry if interest rates will go up or down because your rate and payments will always be the same for the entire life of your loan. That makes it easy to plan for the future.
  • Rate is locked in for the life of the loan.
  • Choose your own repayment term.

Who it’s for:

A fixed-rate mortgage from Illinois State Bank is a smart choice for people who don’t want to worry about fluctuations in interest rates and who plan to remain in their home for a longer period. There are fixed-rate mortgage programs available for owner-occupied dwellings, investment properties and second homes.

What’s in it for you:

  • Freedom to choose your own term—select from standard 10, 15, 20, and 30-year fixed rate repayment terms or other customized terms.
  • Programs available with down payments as low as 5%.
  • Applicant may lock in rate at time of application or loan approval.
  • Choose from several loan types, including conventional, jumbo, Federal Housing Administration (FHA) and Federal Veterans' Affairs (VA) loans.

Additional benefits:

What else you should know:

  • Calculate whether a 15 or 30-year fixed mortgage loan is best for you.
  • For additional refinancing options, take a look at our Home Equity loans.

It’s fast and easy to prequalify or apply for a loan online.

Still have questions? We can help.