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Antioch, IL

The Best Mortgage Lenders in Antioch, IL

Compare verified mortgage lenders serving Antioch, Illinois. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
1234+
Reviews
9
Loan Types

Available Loan Programs in Antioch

Conventional
FHA
VA
Jumbo
Refinance
First-time Homebuyer
USDA
Construction
Renovation

Featured Mortgage Lenders

1

Alliant Credit Union Mortgage Services

Alliant Credit Union

★★★★☆
4.8/5

Alliant Credit Union stands out as one of the highest-rated mortgage lenders serving the Antioch area with exceptional customer satisfaction ratings. As a nationally recognized credit union with deep roots in Illinois, they offer competitive rates and personalized service. Their digital mortgage platform combined with local support makes them ideal for Antioch homebuyers seeking both convenience and expertise. They specialize in first-time homebuyer programs and offer exclusive member benefits with typically lower fees than traditional banks.

Experience:87 years
Reviews:4 customer reviews
11545 W. Touhy Ave, Chicago, IL 60666

Loan Types:

ConventionalFHAVAJumboRefinanceFirst-time Homebuyer
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2

Wintrust Mortgage

Wintrust Mortgage Corporation

★★★★☆
4.7/5

Wintrust Mortgage has built an outstanding reputation throughout Lake County and the greater Chicago area, including strong service in Antioch. As part of the Wintrust Financial family, they combine local decision-making with the resources of a major financial institution. Their mortgage experts are known for providing personalized guidance through the entire home financing process, with particular strength in construction loans and jumbo mortgages. They maintain multiple local branches throughout the region for in-person service.

Experience:32 years
Reviews:850 customer reviews
9700 W. Higgins Rd, Rosemont, IL 60018

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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3

CrossCountry Mortgage

CrossCountry Mortgage, LLC

★★★★☆
4.9/5

CrossCountry Mortgage's Libertyville office serves the Antioch area with exceptional ratings and customer satisfaction. They are particularly noted for their extensive loan product offerings and highly responsive service. Their local loan officers have deep knowledge of the Lake County real estate market and provide personalized attention throughout the mortgage process. They excel at complex financing scenarios and offer competitive rates with transparent fee structures, making them a top choice for both purchase and refinance transactions in the Antioch market.

Experience:19 years
Reviews:380 customer reviews
550 N. Milwaukee Ave, Suite 300, Libertyville, IL 60048

Loan Types:

ConventionalFHAVAUSDAJumboRenovationFirst-time Homebuyer
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Frequently Asked Questions

Common questions about mortgage lending in Antioch, IL

What are the current mortgage rates like for homes in Antioch, IL?

Mortgage rates in Antioch typically align with national averages but can be influenced by local market conditions. Currently, rates for 30-year fixed mortgages in the Antioch area range from the mid-6% to low-7% range, though this varies by lender, loan type, and borrower qualifications. Working with a local lender who understands the Lake County market can help you secure competitive rates.

Are there any first-time homebuyer programs specific to Antioch, IL?

Yes, Antioch homebuyers can access the Illinois Housing Development Authority's (IHDA) programs like the 1stHomeIllinois and Access Forgivable programs, which offer down payment assistance and affordable fixed-rate mortgages. Additionally, Lake County may offer local assistance programs, so it's worth consulting with a mortgage advisor familiar with Antioch-specific resources to maximize available benefits.

How does Antioch's location near the Wisconsin border affect mortgage lending?

Antioch's proximity to Wisconsin means some residents work across state lines, which lenders account for when verifying employment and income. Additionally, property taxes in Antioch are generally lower than in nearby Cook County but higher than some Wisconsin areas, impacting debt-to-income calculations. Lenders familiar with this cross-border dynamic can help navigate these considerations smoothly.

What should I know about property taxes when getting a mortgage in Antioch?

Antioch property taxes in Lake County average around 2.5-3% of home value, which is moderate for Illinois but higher than national averages. Lenders will factor these taxes into your monthly payment calculations, potentially affecting loan qualification. It's advisable to review recent tax assessments on properties you're considering and discuss escrow requirements with your lender.

Are there special loan considerations for homes near the Chain O'Lakes or other water bodies in Antioch?

Yes, properties near Chain O'Lakes or other flood-prone areas may require flood insurance, which lenders will mandate as part of your mortgage. This additional cost must be included in your debt-to-income ratio. A lender experienced with Antioch's waterfront properties can help you understand these requirements and factor them into your budget.

Nearby Cities

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Why Choose a Mortgage Lender in Antioch?

Local Market Knowledge

Lenders who understand Antioch's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Illinois.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Antioch and get competitive rates on your home loan.