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.
1Members who are engaged with an agent of McDonald Group for the purchase of a home will receive a 20% rebate from the realtor’s buyer commission of up to 3% of the purchase price when the loan is financed through UICCU. The rebate will be paid by the McDonald Group in the form of a check within seven days after the loan closing. The McDonald Group is not affiliated with UICCU. All loans subject to credit approval and all applicants must qualify for and open a membership account at UICCU before loan funding. All rebate offers are for a limited time and may be withdrawn without notice. Other restrictions may apply. Contact a UICCU mortgage representative for further details. UICCU is federally insured by the NCUA. NMLS #421376.
2$0 down payment offer for fixed mortgage loans up to a maximum of 30 years for single family home purchase transactions only. Loans for refinances, modifications, cash out transactions, non-owner occupied homes, second homes, investment homes or vacation properties do not qualify for the $0 down payment offer. $0 down payment offer available to first time home buyers only, defined as borrower must have had no ownership interest (sole or joint) in another property during the last three years preceding the note date of the loan. Borrower must complete homeownership counseling prior to loan closing. Borrower must have a minimum consolidated credit score of 720 with at least 4 established tradelines and verified minimum of 2 months reserves. Borrower must contribute a minimum of 1% towards the overall purchase. Minimum contribution may be met through closing costs, prepaids, and/or reserves. Closing costs and select third party fees may apply including appraisal, credit report, flood determination, recording fees, private mortgage insurance (PMI), taxes and title company fees. All loans subject to credit approval, verification of application information, receipt of collateral and debt to income maximums. All applicants must qualify for and open a membership account at UICCU before loan funding. All down payment offers are for a limited time and may be withdrawn without notice. Other restrictions may apply. Contact a UICCU Mortgage Representative for additional details.