Mortgage Loans

Buying a home is one of the most important purchases of your life. Deciding which mortgage loan is right for you can depend on a lot of factors. Where you’re at in your life cycle, how much you have for a down payment, how long you plan to be in your new home, etc. We will ask you these questions and help make the right choices with you. We don’t just take your information and quote a rate. We want to help guide to the best option for you! Visit one of our branches to speak to one of our experienced Mortgage Loan Officers or call 1-844-222-7788 to make an appointment.

Conventional Fixed Rate Mortgages

Your loan payment stays the same.

  • Up to 97% financing.
  • Interest rate remains the same for the entire loan.
  • Perfect if you want stay in your home for a longer period of time or the entirety of the loan.
  • 15, 20, 25 and 30-year terms.

Second Mortgage Loan

Another loan taken against a property that is already mortgaged.

  • Available on primary, single-family residences.
  • As long as 9 years to repay.

FHA Mortgages

A loan with a lower down payment.

  • Up to 96.5% financing.
  • 15 and 30-year terms.
  • Federally insured mortgage loan.
  • Down payment can be gifts, savings or 401(k) withdrawals.

USDA Rural Development (RD) Mortgages

A loan for RD designated areas with a lower down payment.

  • Up to 96.5% financing.
  • 15 and 30-year terms.
  • Federally insured mortgage loan.
  • Down payment can be gifts, savings or 401(k) withdrawals.

Meet Our Mortgage Team

Jeff Drake - Mattoon

AVP Mortgage Lending

Email Jeff Drake - Mattoon

Cyndi Kostenski - Decatur

Senior Mortgage Loan Officer

Email Cyndi Kostenski - Decatur

Tricia Kramer - Vandalia

Mortgage Loan Officer

Email Tricia Kramer - Vandalia

Lisa Wilson - Effingham

Mortgage Loan Officer

Email Lisa Wilson - Effingham


Mortgage Documents Needed

The following is a list of documents that you will likely need to provide to your Mortgage Loan Officer (MLO) during the mortgage application process:

  • W2’s from Current and Past Employers
  • Paycheck Stubs
  • Bank Statements
  • Tax Returns from past 2 Years
  • Gift Letter (if applicable)
  • List of All Debts & Assets
  • Proof of Timely Rental Payments
  • Credit Report Profit & Loss Statements
  • Signed Sales Agreement
  • Proof of Additional Income
  • Divorcee Decree (if applicable)
  • Bankruptcy Paperwork (if applicable)

*NMLS ID: 412587. First mortgage purchase and refinance loans are available in most Central Illinois Counties.