Phil Dykstra
Director of Mortgage Business Development
NMLS 1466105
217-202-9236
Phil’s Bio
Mortgage Refinancing NEW
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Refinancing Your Mortgage
We’ve been in the business long enough to know it’s possible for you. Work with us to lower your interest rate, monthly payment, or change your mortgage term. You’ll be WOW’d to see how much money you save with a lower interest rate and/or different mortgage term. And, check out how we can use your existing mortgage to give you some extra cash or consolidate debt.
Benefits of working with UICCU
- Local lenders
- In-house underwriter
- Personalized service
- Competitive interest rates
- Low closing costs
You even get benefits after closing…
- 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
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