Loans

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Residential Mortgage Rates - Locally-Retained Service

The rates and APRs shown are based on a loan amount of $100,000, 75% LTV, and 740 minimum credit score for the purchase of a single family residence. They are subject to change without notice. Rate and APR may be adjusted based on several factors including but not limited to loan amount, loan type, occupancy type, property type, Loan To Value (LTV) and your credit score. Your final rate may be higher or lower than quoted based upon information relating to these factors, which may be determined after you submitted your application.  NMLS ID 435120
 

TERM

RATE %

APR %

P&I*

30 Year Fixed

6.250

6.323

$6.16

20 Year Fixed

6.000

6.095

$7.16

15 Year Fixed

5.750

5.824

$8.30

10 Year Fixed

5.625

5.729

$10.91
 Mortgage rates are current as of March 28, 2023, and are subject to change at any time. All rates are expressed as an Annual Percentage Rate or APR. Assumption: Single Family/Owner Occupied. *Monthly Principal and Interest (P&I) per $1,000 does not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation may be greater.


Kim Lewis, 217.356.0933, NMLS ID: 1037817


Lane Nicolette, 217.356.0933, NMLS ID: 1590641


 

Jim McMurry, 217.356.0933, NMLS ID : 445430



Jack Wallace, 217.344.2265, NMLS ID : 1650853


YOUR FIRST FEDERAL CONSUMER AND COMMERCIAL LENDING TEAM


 


Justin Davis

Consumer Loan Officer
217.356.0933
NMLS ID: 445407







Jason Eyman

Commercial Loan Officer

217.356.0933

NMLS ID: 445424





*First Federal's primary lending area is in Champaign County, Illinois.


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Cards issued by UMB Bank, n.a.

  1. Cardholders earn three (3) points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn one (1) point per dollar on all other purchases. See Simply Rewards Rules for details.
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