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Bannockburn, Illinois Homebuyers

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Bannockburn, IL Mortgage Hotline

We are available to answer questions and ready to get you pre-approved. Connect with your own personal Bannockburn, Illinois Mortgage Broker now. Florida Mortgage Broker Hotline 888-882-1058.

CLICK HERE FOR FAST PRE-APPROVALS

MINIMUM LOAN AMOUNT $60,000
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What loan program are you looking for?

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Once this form is completed, a local licensed Mortgage Consultant will be reaching out to you. You will receive an instant email with the credentials of your consultant with contact information and a photo. We look forward to assisting you with your home buying or refinancing needs.

Online Mortgage Application

Start your online mortgage now. Our easy home loan application can be completed in 10 minutes. Move along quickly with secure document uploads & electronic signatures. We will get you to the closing table quickly. START ONLINE APPLICATION.

Homebuyer Options in Bannockburn, Illinois

FHA Loan

The FHA home loan in Bannockburn, Illinois allows for borrower’s to qualify with smaller down payments. Fico scores 580 and higher can qualify for a payment of 3.5% down. Fico scores between 500 – 579 can still qualify with 10% down. Pre-qualify for Bannockburn, IL FHA mortgage financing 888-882-1058.

Home Grant

Grants for Bannockburn, Illinois Homebuyers are available to assist with down payments and or closing costs. Grants at Smart Mortgage Centers are completely forgivable and you are not required to be a first time homebuyer. The Bannockburn, IL grant program is only available to borrower’s applying for mortgage financing with Smart Mortgage Centers.

580 Credit Score Required
Grant is completely forgiven – no repayment required!
Grant can be used for down payment and/or closing costs
Seller Credit of 6% is allowed
Gift funds are allowed!
Borrower(s) not required to be First Time Homebuyers.
Income limit is based on qualifying income used for transaction, not household income.

Our licensed Bannockburn Mortgage Brokers are standing by to assist homebuyers with grant questions and pre-qualification. Apply for a Florida Grant Now at 888-882-1058.

Home Possible®

Bannockburn, Illinois Home Possible® mortgages offer low down payments for low- to moderate-income homebuyers or buyers in high-cost or under served communities. Home Possible® offers two programs for Illinois homebuyers. Our Mortgage Brokers are standing by to explain Home Possible® and can answer any question you may have. Pre-Qualify now for Home Possible® at 888-882-1058. Read more about the 3% Down option or the 5% down option. Home Possible Advantage® 3% down program in Bannockburn, IL.

LTV: Maximum LTV of 97 percent; TLTV 105 percent.
Property Options: 1-unit properties, condos and planned unit developments; manufactured homes are not eligible.
Flexible Sources of Down Payments:Down Payment can come from a variety of sources, including family, employer-assistance programs and secondary financing.
Cancellable Mortgage Insurance: Mortgage insurance (MI) can be cancelled after loan balance drops below 80 percent of the home’s appraised value.
Stable Mortgages: Fixed-rate mortgages with a term of up to 30 years.
Refinance Flexibility: Purchase and no cash-out refinancing options available.
Income Flexibility: No income limits in underserved areas. Use the Home Possible Income & Property Eligibility Tool to see income limits for specific properties.
Primary Residence Only: All borrowers must occupy the property as their primary residence.

Home Possible® 5% down program in Bannockburn, IL

LTV: Maximum LTV and TLTV of 95 percent.
Property Options: 1-4 units, condos and planned-unit developments; manufactured homes are eligible with certain restrictions.
Flexible Sources of Down Payments:Down Payment can come from a variety of sources, including family, employer-assistance programs and secondary financing.
Cancellable Mortgage Insurance: Mortgage insurance (MI) can be cancelled after loan balance drops below 80 percent of the home’s appraised value.
Mortgage Flexibility: 15- to 30-year fixed-rate mortgages, 5/1, 5/5, 7/1 and 10/1 ARMs.
Refinance Options: No cash-out refinancing option is available for borrowers who occupy the property.
Income Flexibility: No income limits in underserved areas. Use the Home Possible Income & Property Eligibility Tool to see income limits for specific properties.
No Credit Score Necessary:Borrowers without credit scores are eligible for mortgages with down payments as low as five percent.

HomeReady®

HomeReady® for Bannockburn, Illinois Homebuyers

Our low down payment mortgage designed to help lenders confidently serve today’s market of creditworthy low- to moderate-income borrowers. HomeReady qualified Mortgage Brokers are standing by to answer questions and pre-qualify homebuyers now. Pre-Qualify for HomeReady® call 888-882-1058.

Ideal Bannockburn HomeReady Borrowers

Have low to moderate income
Are first-time or repeat homebuyers
Have limited cash for down payment
Have a credit score ≥ 620; borrowers with credit scores ≥ 680 may get even better pricing
Have supplemental boarder or rental income
Are looking to purchase or refinance

Cancellable Mortgage Insurance*

Unlike government-insured loans, with HomeReady, borrowers may have the option to cancel their mortgage insurance once their home equity reaches 20%. This can result in lower monthly payments down the road.

Flexible Funding

With HomeReady, cash for down-payment and closing costs can come from multiple sources, including gifts, grants, and Community Seconds ® – with no minimum personal funds required.

USDA Home Loan

A USDA home loan in Illinois is a zero down payment mortgage for eligible rural and suburban Bannockburn homebuyers. Bannockburn USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture. Bannockburn, IL USDA Mortgage Brokers are available to answer questions and supply homebuyers with pre-approvals to shop for eligible Bannockburn homes. Our Mortgage Brokers are happy to look up eligible Illinois USDA properties or homebuyers can check to see if a property is eligible here. https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do Pre-Qualify for a USDA Home Loan 888-882-1058.

VA Home Loan

For eligible veterans and active duty military personnel a Bannockburn, Illinois VA mortgage loan can be a wonderful benefit to take advantage of. The Department of Veterans Affairs guarantees these loans, which can finance as much as 100% of the value of the property, ensuring low rates and easier qualification guidelines when compared to conventional loans. Local Bannockburn, IL VA Mortgage Brokers 888-882-1058.

In addition to the excellent VA mortgage rates, and no money down option there are a number of advantages to obtaining a VA home loan, such as: VA Benefits in Bannockburn, Illinois

Buy a Home with No Down Payment
Refinance up to 120% of your Home’s Value
Use your VA Benefits even if you used them in the past
Ask us how we can pay for your pest inspection
No mortgage insurance premiums

Bannockburn, Illinois VA Construction Loan

Building a home might be complicated, but financing it doesn’t have to be. This is where our One-Time Close Construction to Permanent Loan comes in.

Financing the land and construction in two phases seems a little cumbersome to us. Rather than one closing prior to breaking ground, and then a second closing prior to move in day, this program has just one closing. In one settlement the financing for the construction, lot purchase (if not already owned), and permanent loan are all arranged.

Benefits of a One Time Close Construction to Permanent Loan.

Save Money One appraisal, one set of closing costs, one underwriting and approval process…Eliminating the redundancy of a second closing reduces all of these costs, potentially saving the borrowers time and money when it counts.

Reduced Interest Rate Risk

Because the interest rate is locked in prior to the single closing and before the start of building, it eliminates the concern that rates could rise during construction. Any increase in rates could make the home less affordable or even jeopardize loan approval if ratios are tight.

No Payments During Construction

Once the loan is finalized, the payments don’t start until the home is complete. This is a huge selling point for many buyers who need to pay for another place to live until they can move into the new property.

No Re-Qualification

Once the closing is complete and the loan is in place, borrowers don’t have to worry about re-qualifying. With many traditional construction to permanent loans, the buyers will have to re-qualify at the end of the construction phase. Now the buyers can enjoy preparing for life in the new home without concern that purchasing new furniture or other items could impact their loan approval.

Low Interest Rates

Because OTC Construction programs are backed by either the FHA or the VA the pricing is extremely competitive, making building a new home a more affordable option.

Bannockburn, Illinois VA Renovation Loan

The VA Renovation Loan brings together some of the most innovative and attractive features of several popular mortgage programs. It provides no money down financing that covers not only the current value of the property, but the cost of remodeling and repairs as well. This program is intended for minor updates and work done on the home at a cost under $35,000, with no minimum renovation cost requirement.

Buying a Illinois home with VA Renovation

When purchasing a property with a Bannockburn, IL VA Renovation Loan the plans for the work, including information on the general contractor, are evaluated with the other documentation during the underwriting phase. An appraisal will show the value of the home both before and after the renovation is complete. Once the work is finished there will be a final certification by a VA Inspector to ensure the home meets the property standards and is ready to be enjoyed by its new owners.

Refinancing a Bannockburn home with VA Renovation

Consumers are often surprised to learn that renovation loans, including the VA Renovation Loan, can also be used to refinance an existing Bannockburn mortgage. This can be an excellent alternative to a second mortgage or cash-out refinance when the funds will be used to repair or update the subject property.

Still looking for more options? Don’t worry Smart Mortgage Centers will find you the perfect loan to fit your needs:

For larger scale renovation projects, including structural updates: FHA Standard 203(k) Loan
To finance luxury projects such as installing a pool or outdoor kitchen: Fannie Mae HomeStyle® Renovation Mortgage
Streamlined, simplified VA refinance option if repair costs are not needed: VA Interest Rate Reduction Refinance Loan (IRRRL)

Non Prime Home Loan

Smart Mortgage Centers offers alternative lending programs in Bannockburn, Illinois to help borrowers who may not meet general Agency financing guidelines.

Bannockburn Mortgage Brokers are ready to assist you with Non-Prime Home loans 888-882-1058.

Bannockburn, Illinois Non-Prime loans are also known as temporary or fixer loans for borrowers who are on their way to Prime but need a little help before they qualify. Non-Prime loans characteristically are made to borrowers who have had a past credit event or events in the form of Foreclosure, Bankruptcy, Short Sale, late payment, collection, charge-off, etc. Additionally, a borrower seeking a Non-Prime loan in Bannockburn, IL can use alternative documentation to qualify, in form of bank statements, liquid assets, and other forms of income not typically accepted by government lending criteria. Non-Prime loans usually have increased rates of interest and costs for providing access to capital while providing the ability to participate in the economy and housing market. Non-Prime loans should only be looked at as a temporary solution to an immediate need.

Non Prime Program in Bannockburn, Illinois

Rates starting in the low 5’s
1 day out of foreclosure, short sale, bankruptcy or deed-in-lieu
Loans up to $1 million
Credit scores down to 500
Up to 90% LTV
DTI up to 50% considered
Owner-occupied, 2nd homes, and investment properties
Non-warrantable condos considered
Jumbo loans down to 500 score
5/1 ARM or 30-year fixed
No pre-payment penalty for owner-occ and 2nd homes
No active tradelines OK with housing history
SFRs, townhomes, condos, 2-4 units
Seller concessions to 6% (2% for investment)

Bank Statement Program in Bannockburn, Illinois

No tax returns required
12 month personal bank statements
24 month business bank statements
Loans up to $3 million
Credit scores down to 620
Rates starting in the low 5’s
Up to 90% LTV on Personal and Business
DTI up to 50% considered
Owner-occupied, 2nd homes and investment properties
2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
Non-warrantable condos considered
Jumbo loans down to 660 score
5/1 ARM or 30-year fixed
No pre-payment penalty for owner-occ and 2nd homes
Seller concessions to 6% (2% for investment)
2 year self-employed required

Bannockburn, Illinois ITIN PROGRAMS (Individual tax identification number loan) Smart Mortgage Centers offers mortgages that are designed to help people who have a tax id number (ITIN) but no social security number. Program 1

Minimum Down Payment of 15% is Required
Use Tax Return or Bank Statements to Document Income
Most Property Types Accepted
Gift Funds Allowed
Quick Closings
Fixed Rate Mortgage with 15, 20, or 30 Year Term

Program 2

Purchase, Refinance, Investment Properties
20% Down Payment (Gift allowed) Call for details
2 Years Tax Returns
2 Years W2 or 1099
3 Months Bank Statements
Passport, ITIN Card, Drivers License

Second Chance Program

Second Chance Program Highlights
Up To 80% Ltv
No Minimum Credit Score
Full Doc Only-43% DTI
Bankruptcy, Foreclosure And Short Sales Are Ok
Deferred Maintenance Is Acceptable On Purchases
Up To 7% Seller Help Allowed
Gift Funds Are Acceptable
Need 2 Months PITI Post-Closing
May Consider 1st Time Homebuyer With Larger Down Payment

Inherited Property Program Losing a family member is difficult, but keeping a home in the family after a loss should not be.Whether you need funds for repairs, the buy out of another heir or cash out, we have a solution.

Up To 80% LTV & Up To 5 Year Term
No Minimum Credit Score
Future Value of Rental Income Considered
Bankruptcy, Foreclosure And Short Sales Are Ok
Deferred Maintenance Is Acceptable
Debt Consolidation Allowed
Rehab Money Escrow for Future Value to Sell Available
Refinancing of Reverse Mortgages Available

Foreign National Partnership Program General Requirements – Max LTV 75% Max Loan Amount $1,000,000 Qualify at 640 FICO score Designed for experienced investors. Income and employment are not verified. Documentation – Copies of the borrower’s passport and unexpired visa must be obtained The following visa types are accepted for foreign nationals: – B-1 and B-2, H-2 and H-3, I, J-1 and J-2, O-2, P-1 and P-2 Assets – NO Reserves required Funds for down payment and closing costs must be sourced or seasoned for 60 days – Must be in US depository for 30 days prior to closing Credit – 3 open accounts with a 2-year history Letters of reference allowed 2-year housing history can be used as tradeline **All documents must be translated by a certified translator

Home Renovation Loan

Whether your Bannockburn home improvement projects are large or small, a home renovation loan from Smart Mortgage Centers may be right for you. With a home improvement loan, you’ll be able to finance simple upgrades, remodeling or more complex renovation projects, and everything in between. Monthly payments on home renovation loans are typically lower than credit cards or personal loans and, in some cases, financing may even be tax deductible*. If you’re considering a home remodel, here is more information about home remodeling loans and what they can do for you and your home. Get your Bannockburn, IL Home Renovation Questions answered now 888-882-1058.

FHA 203k Loan

If you plan to purchase a fixer-upper or renovate your existing home, an FHA 203(k) loan may be the perfect loan for you. FHA 203(k) loans in Bannockburn, Illinois are backed by the federal government, and are a great loan option for those who want to purchase a home and perform upgrades, repairs, remodel or customize to their needs and wants. Smart Mortgage Centers has FHA 203(k) specialists standing by to answer all of your FHA 203(k) Renovation Loan questions.

Fannie Mae HomeStyle®

The Fannie Mae HomeStyle renovation loan in Bannockburn, IL allows you to either purchase a new home or refinance your existing home and make personalized improvements with one loan closing. The cost of your personalized improvements is placed in an interest-bearing Escrow account and disbursed as the work is completed and inspected. The Bannockburn, Illinois HomeStyle loan does not have any minimum amount of improvements or any restrictions on the type of repairs that can be included in your loan. The only requirement is that any improvement must be permanently affixed to the property and adds value to your property. HomeStyle allows you to build home equity while increasing your comfort and enjoyment in home ownership.

Manufactured Home Loan

What Is A Bannockburn, Illinois Manufactured Home Loan?

Manufactured home loans are designed for factory-made homes built on a permanent chassis, and generally come in single or two-section units. This option offers various types of loans for homebuyers: FHA, VA, and conventional loans. Our Licensed Mortgage Brokers are ready to assist you at 888-882-1058.

What Are The Advantages Of A Manufactured Home Loan?

They may be small homes, but don’t be fooled – they come with big benefits. If you’re considering a manufactured home loan, these are some of the advantages:

Manufactured home loan rates are affordable
You can choose between a conventional, FHA, or VA loan
Down payment options as low as 3.5% for FHA and 5% for conventional
Manufactured homes are environmentally friendly

The Requirements Of A Manufactured Home Loan

To find out if a property qualifies for a Bannockburn, IL manufactured home loan, it makes sense to seek the advice from a lender, like us. But here are some general guidelines:

The home was built on or after June 15, 1976
Has no wheels and is designed as a single-family dwelling
Has a minimum of 400 sq. ft. for an FHA mortgage
Has a minimum of 600 sq. ft. for a conventional loan
Is permanently affixed to the property site for more than 12 months
You have a credit score of at least 580 for an FHA or 620 for a conventional (Other restrictions may apply, depending upon product and State.)

If you like small home living, or If you’re a renter and want to take the first step to homeownership, a manufactured home loan in Bannockburn, Illinois could be right up your alley. A Mortgage Broker can give you more information on manufactured home loan rates and whether this loan is the right option for you.

Bad Credit Home Loan

Bannockburn, Florida Bad Credit Home Loan We specialize in loans other banks turn down If you have been turned down for a conventional mortgage due to the property type, source of income, or a credit hiccup we may be able to help. We offer program’s designed to help borrowers who have had a previous bankruptcy, short sale or foreclosure. We also have a loan program for self-employed borrowers. These programs often require a higher down payment. Credit scores from 500 – 579. Call to see if you qualify 888-882-1058.

The Highest Rated and Reviewed Mortgage Broker

Bannockburn, Illinois Homebuyer

Most people dream about owning a Bannockburn home for years before it becomes a reality. It can be scary to take that leap into home ownership, but it is a wonderful feeling to not be throwing money away on rent month after month. You also have the pride in knowing you own your own home, and can truly make it yours. Get started with a fast pre-approval (within minutes), we will supply you with Bannockburn, IL home loan options that make sense. No application fees, free quotes, lower rates and of course more options. Smart Mortgage Centers is recognized for its awarding winning service since 1997 and 5.0 customer ratings with Google, Better Business Bureau, Zillow, Yelp and Facebook.

Buying your Bannockburn, Illinois Home

What To Expect

A great question to ask yourself is, am I confident in my Bannockburn, IL Mortgage Broker? You already picked out your home, or maybe you plan on buying in the future. On your initial contact your Mortgage Broker will acknowledge your current situation, analyze and explain what options are best for you. Credit scores, income, job history, loan programs, mortgage payment and rates are a few things that will be discussed. Don’t worry our licensed Bannockburn, Illinois Mortgage Brokers will go at your pace and thoroughly explain everything.

When Can I Shop For my Bannockburn, Illinois Home?

Once your friendly Mortgage Broker gives you a pre-approval you will be able to shop for your dream home. Our pre-approval process takes under 10 minutes. Your pre-approval lets Real Estate agents and sellers know you are a serious and can afford to buy. Don’t have a Real Estate agent but would like one? Just ask we can refer you one. A Real Estate agent will be able to assist in finding the right home at the right price.

When Can I Close On my Bannockburn, Illinois Home?

FAST! that is the goal for all of our clients. Every scenario is different, knowing this our Mortgage Brokers and support staff are available for support 24 hours a day. You will also have technology at your finger tips, including online applications, secure document uploads and electronic signatures. Taking responsibility early, your mortgage broker will know what documents are needed – gathering what you need and having it ready to submit will move your mortgage along quickly. Estimated closing times are available on our home page.

Why Clients Are Choosing Smart Mortgage Centers

No application fee
Lower rates
More Programs
Excellent Customer Service – Read hundreds of stories
Complaint Free Awards

Get pre-approved now and start shopping for your new Bannockburn, Illinois home. Not seeing a loan option? Chances are we have it call 888-882-1058 or start your online application.

Bannockburn, IL Mortgage Calculator

Steps to Buying a Bannockburn, Illinois Home

Buying your Bannockburn, Illinois home doesn’t have to be confusing, follow our steps to a simple home buying experience.

Step 1

How Much Home can you Afford

Mortgage Brokers recommend that people look for homes that cost no more than three to five times their annual household income. This mostly holds true for borrowers putting a minimum down payment of 20% down and have moderate debt. Remember, pending what loan option is right for you will determine your down payment and other debts will play a role in how much you will qualify for. Our Mortgage Brokers will help you determine what you can afford. Another reason why Mortgage Brokers are better – More Options and more programs. Saving for a down payment is important but also know you have options like gifts and grants for down payments.

Step 2

The Pre-qualification and Pre-Approval Stage

Before you shop for a home, you will want to get pre-qualified. To get prequalified, you just need to provide some financial information to your mortgage broker, such as your income and the amount of savings and investments you have. Your assigned Mortgage Broker will review this information and thoroughly explain what programs are available and how much home you qualify for. This will tell you the price range of the homes you should be looking at. Later, you can get preapproved for credit, which involves providing your financial documents, pending programs (W-2 statements, paycheck stubs, bank account statements, etc.) so our Mortgage Brokers can verify your financial status and credit. Easier qualifications and more options make our Mortgage Brokers a better option.

Step 3

Finding a Real Estate Agent

When looking for a home it is up to the borrower to decide if they want to use a Realtor. Real estate agents have the ability to show you homes within your price range with requested options. If a Realtor is needed we have the ability to refer our clients to local agents in your area. The Real Estate agent doesn’t cost the buyer a penny, they’re compensated from the commission paid by the seller of the house.

Step 4

Shopping for Your Home and Make an Offer

Now comes the fun part, shopping for your home. By now your Realtor should have an idea of your price range and the area that suits your needs. Keep in mind you will see a number of houses, keep notes, take pictures and even videos to help determine what you like best. Most Real Estate sites will have pictures and videos to rely on if a reminder is needed. Buying a house is a large investment, take your time and find the perfect place to call home. Work with your real estate agent to negotiate a fair offer based on the value of comparable homes in the same neighborhood. Once you and the seller have reached agreement on a price, the house will go into escrow, which is the period of time it takes to complete all of the remaining steps in the home buying process.

Step 5

The Home Inspection

Typically, purchase offers are contingent on a home inspection of the property to check for signs of structural damage or things that may need fixing. Your real estate agent usually will help you arrange to have this inspection conducted within a few days of your offer being accepted by the seller. This contingency protects you by giving you a chance to renegotiate your offer or withdraw it without penalty if the inspection reveals significant material damage. Both you and the seller will receive a report on the home inspector’s findings. You can then decide if you want to ask the seller to fix anything on the property before closing the sale. Before the sale closes, you will have a walk-through of the house, which gives you the chance to confirm that any agreed-upon repairs have been made.

Step 6

A Mortgage Broker will help Select Your Loan

Our Mortgage Brokers have a wider range of loan programs, lower rates and a reputation for exceptional customer service. You will have many questions when you are purchasing a home, and having one of our experienced, responsive mortgage brokers assist you can make the process much easier. Read why hundreds of clients are using our services. Read More.

Step 7

Getting the Home Appraised

We will arrange for an appraiser to provide an independent estimate of the value of the house you are buying. The appraiser is a member of a third party company and is not directly associated with the lender. The appraisal will let all the parties involved know that you are paying a fair price for the home.

Step 8

Coordinate the Paperwork

With the amount of paperwork involved in the buying process, title companies are used to make sure the seller is the rightful owner of the property. A title company makes sure that the title to a piece of real estate is legitimate and then issues title insurance for that property. Title insurance protects the lender and/or owner against lawsuits or claims against the property that result from disputes over the title.

Step 9

Close the Sale

At closing, you will sign all of the paperwork required to complete the purchase, including your loan documents. It typically takes a couple of days for your loan to be funded after the paperwork is returned to the lender. Once the check is delivered to the seller, you are ready to move into your new home!

If you have questions for our Illinois mortgage brokers, simply call our 24 hour mortgage hotline.

Get Started on your Bannockburn, Illinois Home Purchase today

888-882-1058

Bannockburn (Scottish Gaelic Allt a’ Bhonnaich) is a town immediately south of the city of Stirling in Scotland. It is named after the Bannock Burn, a burn (small stream) running through the town before flowing into the River Forth.

Land in the vicinity of Bannockburn town, probably between the Pelstream and Bannock burns (hence Bannockburn),[1] was the site of the Battle of Bannockburn fought in 1314—one of the pivotal battles of the 13th/14th century Wars of Independence between the kingdoms of Scotland and England.[HES 1] A large monument and visitor centre is located near the site of the battle.[2] In previous generations tourists came to visit the site and look at the Borestone.[3][HES 2] The dignity of the barony of Bannockburn is currently held by Hope Vere Anderson a descendent of the Sandilands and Vere families of Sandilands and Lesmahagow, Lanarkshire who were the original Barons of Bannockburn in the 14th. century. In the year of 1746, after the Battle of Culloden, Bonny Prince Charlie stayed in Bannockburn House where he met the future mother of his child.

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