How can I help you achieve your home-buying goals?

As your trusted First American Bank loan officer in Darien, Illinois, 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!

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Which mortgage is right for you?
Fixed or Adjustable Rate?

Know the differences so you can choose what's best for you.

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Mortgage Rates

Rates Effective: 10.28.21
Rates and points are subject to change without notice.
Product Rate APR Points
30 Year Fixed Rate
Terms and Conditions
3.125%3.169%0.000
15 Year Fixed Rate
Terms and Conditions
2.500%2.579%0.000
Jumbo 30 Year Fixed
Terms and Conditions
3.375%3.389%0.000

Subject to credit approval. Standard rates apply. Title fees, as part of the closing costs, will vary by county.

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. 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 $650,000. 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.

30 Year Fixed Rate

The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $210,000 and an estimated property value of $285,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

At a 3.125% interest rate, the APR for this loan type is 3.169%. The monthly payment schedule would be:

  • 359 payments of $899.59 at an interest rate of 3.125%
  • 1 payment of $899.04 at an interest rate of 3.125%

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.

15 Year Fixed Rate

The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $210,000 and an estimated property value of $285,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

At a 2.500% interest rate, the APR for this loan type is 2.579%. The monthly payment schedule would be:

  • 179 payments of $1,400.26 at an interest rate of 2.500%
  • 1 payment of $1,399.79 at an interest rate of 2.500%

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.

Jumbo 30 Year Fixed

The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $650,000 and an estimated property value of $900,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

At a 3.375% interest rate, the APR for this loan type is 3.389%. The monthly payment schedule would be:

  • 359 payments of $2,873.63 at an interest rate of 3.375%
  • 1 payment of $2,871.96 at an interest rate of 3.375%

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.

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