The Best Mortgage Lenders in Buckley, IL
Compare verified mortgage lenders serving Buckley, Illinois. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Buckley
Featured Mortgage Lenders
Chris Hoekstra
First Midwest Bank Mortgage
First Midwest Bank has been serving the Kankakee County area for over 80 years and is one of the most established mortgage lenders serving Buckley and surrounding communities. They maintain exceptional 4.8-star ratings across multiple review platforms with particular praise for their local decision-making, competitive rates, and personalized service. Their mortgage team includes experienced loan officers like Chris Hoekstra who understand the unique needs of rural Illinois homebuyers and offer specialized programs for first-time buyers and agricultural properties.
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Mike McPhillips
Old Second National Bank
Old Second National Bank has deep roots in Northern Illinois with multiple branches serving the broader region including Buckley. They receive consistent high marks for their competitive mortgage rates and exceptional customer service, particularly for rural and suburban properties. Their mortgage specialists are praised for guiding borrowers through complex USDA and construction loans, which are particularly relevant for Buckley area homebuyers. The bank's long history and local underwriting authority make them a top choice for personalized mortgage solutions.
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Mortgage Department
CSB Bank
Community Savings Bank (CSB Bank) has been serving Kankakee County and surrounding areas for over a century, making them exceptionally familiar with the Buckley market. They maintain strong 4.6-star ratings with particular strength in first-time homebuyer programs and agricultural property financing. Customers consistently praise their local decision-making process, transparent communication, and ability to close loans quickly. Their mortgage team specializes in rural development loans and offers competitive rates for both purchase and refinance transactions throughout the region.
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Frequently Asked Questions
Common questions about mortgage lending in Buckley, IL
What are the current mortgage rates like for homes in Buckley, IL?
Mortgage rates in Buckley are generally competitive with national averages, but can vary based on property type and loan program. For rural properties common in the area, you might see slightly different rates than for suburban homes. It's best to check with local lenders who understand Buckley's specific market dynamics.
Are there any special loan programs available for first-time homebuyers in Buckley?
Yes, Illinois offers the IHDAccess program which provides down payment assistance and competitive rates for first-time buyers in Buckley. Additionally, some local lenders may offer special programs for buyers in Iroquois County. These programs can be particularly helpful given Buckley's affordable housing market.
How does Buckley's rural location affect the mortgage process?
Buckley's rural classification can impact lending through USDA loan eligibility, which offers 100% financing for qualified buyers. However, some lenders may require additional property inspections for rural homes. Working with lenders experienced in rural Illinois properties can streamline this process.
What should I know about property taxes when getting a mortgage in Buckley?
Buckley property taxes in Iroquois County are relatively moderate compared to urban areas, typically ranging from 1.5% to 2% of assessed value. Your lender will factor these into your monthly payment calculations through escrow. It's wise to review recent tax assessments on comparable Buckley properties during your home search.
Are there any local down payment assistance programs specific to Buckley homebuyers?
While Buckley itself doesn't offer city-specific programs, Iroquois County has housing assistance resources, and Illinois' HomeStart Program provides up to $7,500 in down payment assistance statewide. Some local credit unions also offer special first-time buyer programs with lower down payment requirements for Buckley residents.
Why Choose a Mortgage Lender in Buckley?
Local Market Knowledge
Lenders who understand Buckley'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 Buckley and get competitive rates on your home loan.