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Our application takes approximately 5 to 15 minutes. You may save and return anytime to complete.


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To apply, you will need:

  • Best estimates of income
  • Current mortgage information (if applicable)
  • Social Security number for all applicants
  • Contact and employment information


Browse your loan options:


Ready to re-evaluate your current mortgage? Refinancing can improve your interest rate, payment schedule, or other terms of your mortgage. 

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Mortgage Calculators

Please note that all financial calculators require a Java enabled browser. For best results use the most recent version of your Internet browser. Windows users may need to install Java - which can be downloaded for free from

  • Mortgage Loan Calculator - Use this calculator to determine your monthly payment and amortization schedule.
  • Mortgage Qualifier - Can you buy your dream home? Find out just how much you can afford!
  • Refinance Break even - Should you refinance your mortgage? Use this calculator to determine when you will break even!
  • Rent vs. Buy - Are you better off buying your home, or should you continue to rent?


Our experienced team is eager to help you find your next home!

  • Jennifer Lay smiling for the camera
    Jennifer Lay
    Loan Officer

    227 S. Superior St. , IL 62080
    (618) 423-2396

    NMLS# 420373



  • Lauren Koch smiling for the camera
    Lauren Koch
    Loan Officer

    1310 E. City Route 40 , IL 62246
    (618) 664-0300

    NMLS# 2080440



  • Derrick Dunn smiling for the camera
    Derrick Dunn
    Loan Officer

    1310 E. City Route 40 , IL 62246
    (618) 664-0300

    NMLS# 2240464



  • Dalton Whitten smiling for the camera
    Dalton Whitten
    Jr. Loan Officer

    432 W. Gallatin St. , IL 62471
    (618) 283-1141


  • Kayla Crabtree
    Consumer Loan Originator

    432 W Gallatin St , IL 62471
    (618) 283-1141

    NMLS# 2315016