Phil Dykstra
Director of Mortgage Business Development
NMLS 1466105
217-202-9236
Phil’s Bio
Mortgage Loans NEW
Your Home. Your Mortgage. Your Team.
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Traditional Mortgages
Traditional mortgages are the most common type of home loan, so this probably isn’t your first rodeo. So, why trust your next mortgage to our team?
Because the buying process just got even easier:
- Local lenders
- In-house underwriter
- Personalized service
- Conventional and Government mortgage loans in all 50 states
- Variety of mortgage purchase programs to suit all needs
- Conventional mortgage closings in 30 days or less
- Efficient, transparent mortgage process
- Competitive interest rates
- Low closing costs
And the benefits last even after you’re in your new home:
- Mortgage loans are not transferred to outside service providers
- Online banking and app mortgage access
- Single sign-on
- Small, local team
Your Mortgage Lending Team
Phil and Kasie are here to make it simple and to make it happen!
Documents and Details
Loan Options
| Program | Description | Benefits |
| Conventional Fixed Mortgage | The most common mortgage loan. We offer low rates on 10, 15, 20, and 30 year mortgages. This mortgage type can also be used for 2nd homes and investment properties. | Fewer closing costs Flexible monthly payment terms No mortgage insurance with 20% down or more |
| Adjustable Rate Mortgage (ARM) | An ARM is a type of mortgage that is a fixed rate for a set amount of time and then fluctuates periodically based on the market and a specific threshold. | Lower introductory rates Faster principal paydown Refinancing at a lower rate |
| USDA Loans | A USDA home loan is a zero down payment mortgage for eligible rural homebuyers. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture. | Low interest rates Zero down payment Easier qualifying criteria |
| FHA Loans | An FHA loan is a mortgage insured by the Federal Housing Administration and offers down payment as low as 3.50%. FHA offers lower interest rates, higher debt to income ratio and a good option for borrowers with limited credit history. | Lower down payments Flexible eligibility requirements Lower monthly payments |
| VA Loans | VA Loans were designed to help current members of the military and veterans open the door to home ownership by offering no down payment requirements and typically lower rates. | Low interest rates No down payment requirement No monthly mortgage insurance Easier mortgage application process |
Rates
| Home Loan Type | Description | Available Term Lengths |
|---|---|---|
| Fixed-rate mortgage | Loan that provides a predictable payment schedule by maintaining the same rate for the life of the loan. | 30, 25, 20, 15, and 10 year |
| Adjustable rate mortgage | Loan that starts with a fixed rate for an initial term, then changes to an adjustable rate. | 5/6 |
| VA mortgage | Fixed-rate loan up to 100% financing for qualified veterans, with little or no down payment and no monthly mortgage insurance. | 30 and 15 year |
| FHA mortgage | Government-insured fixed rate loan with low down payment and low interest rate. | 30 and 15 year |
| USDA mortgage | Mortgage program from the U.S. Department of Agriculture; loans with low interest rates and no down payment. | 30 year |
| Jumbo mortgage | Loan amounts greater than $484,350 with 720 credit score. Call for additional details. | 30 and 15 year |
Calculators
View Mortgage Calculators
View Current Mortgage Rates
Documents Needed
Don’t worry, we promise to make it easy. Set up an appointment or start your application online! Gather as many of these docs as you can and get started!
- The last 2 months of bank statements showing the source of down payment.
- W-2 form for the previous year
- Recent paycheck stub(s) (covering a 30 day pay period) reflecting year to date earnings
- Photo ID
- If self-employed, borrowers must provide complete tax returns with all appropriate schedules for the previous two years along with year-to-date profit and loss.
- See the full mortgage document checklist