Current Notices

Our Mulberry Grove ATM will be unavailable for an extended period of time. Our ATMs in Greenville or Vandalia are currently available for use. We apologize for any inconvenience this may cause.

Rate & Term Finance

A rate-and-term refinance alters an existing mortgage's interest rate or without advancing new money.  You simply replace your original mortgage with a new one with different terms.  If your credit has improved substantially, you may be able to refinance at a lower interest rate. Conventional and USDA mortgages are eligible for rate and term refinancing. The requirements will depend on which type of mortgage you have, but typically you'll need a certain credit score, debt-to-income ratio, and amount of equity in your home.

Speak with one our mortgage professionals to learn more!

  • Jennifer Lay smiling for the camera
    Jennifer Lay
    Loan Officer

    Ramsey , Illinois 62080
    Phone: (618) 423-2396
     

     

  • Lauren Koch smiling for the camera
    Lauren Koch
    Loan Officer

    Greenville , Illinois 62246
    Phone: (618) 664-0300
     

     

  • Derrick Dunn smiling for the camera
    Derrick Dunn
    Loan Officer

    Greenville , Illinois 62246
    Phone: (618) 664-0300
     

     

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

    Vandalia , Illinois 62471
    Phone: (618) 283-1141
     

     

  • Kayla Crabtree
    Consumer Loan Originator

    Vandalia , Illinois 62471
    Phone: (618) 283-1141