Antoinette Tonias
Mortgage Lender, NMLS #710754
How can I help you achieve your home-buying goals?
As your trusted First American Bank mortgage loan officer in Kenosha, Wisconsin, my mission is to provide you with exceptional customer service. I will walk you through every step of the home loan process and support you from mortgage prequalification to pre-approval, all the way through your closing date. As a partner with you in the home financing process, I will provide you with a variety of mortgage lending programs to meet your individual needs, whether you are seeking a fixed-rate or adjustable-rate mortgage (ARM). I am committed to keeping you informed throughout the mortgage loan process, and am here to answer questions, explain options and eliminate hassles and worry along the way. Whether you are a first-time home buyer or seasoned buyer, you can trust me and my team with all of your home financing needs.
Don’t hesitate to reach out using the direct contact information located on this page. I appreciate your business and look forward to working with you!
I have two small children at home and a rescue puppy. I keep busy on the weekends with my little ones by taking my daughter to ballet and my son to taekwondo. We enjoy playing games, having movie nights and exploring the outdoors. Our time is precious, so we love to have fun!
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Special introductory variable rate for 6 months at Prime – 1.00%
6.50% APR
After that, variable rates are as low as
7.50% APR1
Offer ends May 30, 2025. Apply now using the link above!
When you sign up for automatic payments and eStatements. Offer ends May 30, 2025; apply now using the link above!
| Product | Rate | APR |
|---|---|---|
Home Equity Line of Credit Terms and Conditions | 7.500% | 7.500% |
1Offer valid 3/14/25-5/30/25. Loan must close by 7/31/25. Available only to new Home Equity Line of Credit (HELOC) customers and current HELOC customers whose loan matures within one year from the date of application. Available only on collateral properties located in (i) Illinois (excluding Kankakee County. Please see a banker for rates applicable to Kankakee County, Illinois), (ii) Indiana, (iii) Wisconsin, and (iv) Minnesota. Not available for investment properties. 75% loan-to-value (70% for condos), or less. Prime – 1.00% during the six-month introductory period. Thereafter, the Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal on the first business day of each month. Based on the 1/2/25 Prime Rate of 7.50%, the following rates would apply: 6.50% APR during the six-month introductory period. Thereafter, 7.50% APR for HELOC $100,000 or more; 7.74% APR for HELOC $50,000 to $99,999; 8.24% APR for HELOC $25,000 to $49,999; and 8.49% APR for HELOC $5,001 to $24,999. Rates subject to change at any time. The maximum APR is 18%. Monthly payments of interest only will result in a balloon payment. No annual fee for the first year - $75 annual fee thereafter. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood hazard insurance may be required. Some restrictions may apply. An Early Cancellation Fee of 2.00% of the credit limit, or $500, whichever is less, will apply if the loan is closed within the first 36 months. An Early Cancellation Fee is not applicable in Wisconsin or when prohibited by state law. Offer is subject to normal credit qualifications.
UP TO $2,500 IN CLOSING COST CREDIT: Third Party Fees and Charges ranging from $500 to $3,100 may be assessed for HELOCs under $250,000 at closing. If at the time of closing you set up an Automatic Funds Transfer (AFT) or Automatic Clearing House (ACH) to make the monthly payment on your HELOC and within the first statement cycle elect electronic statements, we will pay up to $2,500 of the Third Party Fees and Charges associated with closing on your HELOC, including, but not limited to, appraisal, title, flood, credit report, stamp & tax and recording fees (Third Party Fees and Charges). If at any time during the term of your HELOC you fail to maintain the AFT or ACH or an electronic statement, you agree to repay the Third Party Fees and Charges that we previously paid which will be added to the outstanding balance of your HELOC. If at the time of closing you do not set up an AFT or ACH to make the monthly payment on your HELOC, then you agree to pay the Third Party Fees and Charges at closing. Not available for investment properties or loans that fall outside our standard product, rate, term and underwriting guidelines.
Payment: Your Regular Payment will equal the amount of your accrued Finance Charges. Term: The draw period will extend to the first day of the month following execution of the loan documents plus ten (10) years.
Balance Due at End of Loan Term. Closing Fees: $612.00
Annual Fee: $75.00
| Product | Rate | APR | Points |
|---|---|---|---|
30 Year Fixed Rate Terms and Conditions | 6.750% | 6.887% | 0.000 |
15 Year Fixed Rate Terms and Conditions | 6.125% | 6.345% | 0.000 |
5/6 ARM SOFR Terms and Conditions | 6.875% | 7.334% | 0.250 |
Federal VA 30 Year Fixed Rate Terms and Conditions | 6.500% | 6.828% | 0.000 |
Subject to credit approval. Standard rates apply. Title fees, as part of the closing costs, will vary by county.
2Special Offer: $500 off your closing costs valid on first mortgage applications (including prequalifications) received between 3/14/25-5/30/25. Loan must close by 8/31/25. Only available on 1-4 family home. Only applies to Conventional, Jumbo, FHA, USDA, or VA loans. Not available for collateral properties located in Texas, New York, Alaska, or Hawaii. Prior to closing you must set up an Automatic Funds Transfer (AFT) or Automatic Clearing House (ACH) to make the monthly payment on your loan, and within the first statement cycle you must elect electronic statements (requirement only applies to Conventional and Jumbo loans). Closing costs include only those fees and charges required by First American Bank as a condition of obtaining a loan. Title fees, as part of the closing costs, will vary by county. May not be combined with other promotions. Please see a banker for details.
Rates are subject to change at any time without notice. Rates and terms are not guaranteed until application is completed and rate is locked by a First American Bank mortgage loan representative. Rates and programs are subject to limitations. Call for program availability. Not available on collateral properties located in Texas, New York, Alaska, and Hawaii. All programs are fully amortized loans that require monthly payments of principal, interest, and any required escrow payments for the term of the loan. The above payments do not include amounts for taxes and insurance premiums. Therefore, the actual payment obligation will be greater. The exact monthly payment of a loan will vary depending on the term of the loan, the amount and the Annual Percentage Rate (APR) at the time of loan approval. APRs will vary due to the cost of PMI (if necessary), title company fees, loan points based on your credit score and actual loan amounts. Available loan amounts range from $30,000 to $2,000,000. Please call for rate information on loan amounts not shown in the table.
Conventional Loan APRs: We assume a 25% down payment with no Private Mortgage Insurance (PMI) and based on payment for the full term.
Jumbo Loan APRs: We assume a 30% down payment with no Private Mortgage Insurance (PMI) and based on payment for the full term.
Adjustable Rate Mortgage (ARM) Loan APRs: Amortized for 30 years. The APRs shown are for the initial period and may increase after closing due to the movements of the interest rate index during the rate adjustment periods. Call for information regarding rate adjustment caps and margins.
At a 6.750% interest rate, the APR for this loan type is 6.887%. The monthly payment schedule would be:
- 359 payments of $1,362.06 at an interest rate of 6.750%
- 1 payment of $1,360.57 at an interest rate of 6.750%
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
At a 6.125% interest rate, the APR for this loan type is 6.345%. The monthly payment schedule would be:
- 179 payments of $1,786.31 at an interest rate of 6.125%
- 1 payment of $1,786.77 at an interest rate of 6.125%
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
At a 6.875% initial interest rate, the APR for this loan type is 7.334%, subject to increase. Based on current market conditions, the monthly payment schedule would be:
- 60 payments of $1,379.55 at an interest rate of 6.875%
- 299 payments of $1,442.83 at an interest rate of 7.375%
- 1 payment of $1,442.59 at an interest rate of 7.375%
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
At a 6.500% interest rate, the APR for this loan type is 6.828%. The monthly payment schedule would be:
- 359 payments of $1,119.94 at an interest rate of 6.500%
- 1 payment of $1,120.82 at an interest rate of 6.500%
The actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Toni has been very helpful. She is a good communicator and went above and beyond. Her customer service skills are exceptional and I was very pleased after talking to her. She is a true professional.
Toni Tonias made the whole process from loan application to closing very smooth and easy. Communication and explanation of the process couldn't have been better. Toni was always available, quick to return phone calls. Great job!!
Working with Toni could not have been any easier. Her professionalism and expertise in loans goes above and beyond. I always tell people First American Bank makes me feel like I am family. I highly recommend First American Bank.
Toni and her team made the process so simple! They were committed to the end result I wanted and made it happen. Quick and clear communication; very friendly - 10 out of 10!
Toni was outstanding. She made securing a mortgage a breeze.
Antoinette is the best I will always consider her for my financial needs she help me through a very easy process on a HELOC it probably took less then two days to get done I really appreciate everything First American Bank Antoinette thank you all so much I’m sure we will be doing work again in the future 😀
