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MORTGAGE LOANS
At First Community Bank and Trust, we make home financing simple and stress-free. Whether you're a first-time buyer or looking to refinance, we offer a full range of mortgage options—including Conventional, FHA, USDA, and more—to fit your unique needs. With our convenient and secure online application process, you can get started anytime, anywhere. Let our experienced mortgage loan specialists help you find the right loan and guide you every step of the way.
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Our mortgage rate calculator can help you estimate your monthly mortgage payment and find the product that is right for you. Click the 'View Our Rates' button below, enter some basic information, and then view our mortgage rates.
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Mortgage Solutions
Our experienced mortgage specialists will guide you through every step of the home buying process or refinancing your current home, from application to closing. With personalized support and regular updates, you'll always stay informed and confident throughout the mortgage process.
Are you looking for a Conventional Mortgage Loan?
We offer a variety of Conventional mortgage solutions to fit your needs. Our long-term mortgages provide predictable payments, low down payment options for qualified buyers, and extended interest rate locks. If a traditional loan isn't the right fit, we also offer in-house serviced balloon and bridge loans—ideal for short-term needs or when transitioning between homes. Additionally, we provide flexible land and lot loan options for purchasing property of any size.
Conventional Mortgage Highlights:
Long-Term Mortgages: Long-term mortgage options that offer stable monthly payments, low down payment opportunities for qualified buyers, extended interest rate locks, and flexible amortization schedules to fit your budget.
Balloon Loans: Long-term mortgage may not be the right loan product for you, but a balloon loan may be the right fit. All of our balloon loans are serviced in-house.
Bridge Loans: Bridge loans help you buy a new home before your current one sells by using your existing home's equity. All of our bridge loans are serviced in-house.
Land and Lot Loans: Flexible financing programs are available to help you purchase land of any size, whether you're planning to build your dream home or invest in property for the future.
Is an FHA Loan Right for You?
An FHA Loan is a mortgage loan issued by federally qualified lenders and backed by the Federal Housing Administration. Designed for borrowers purchasing their primary residence who are unable to make a large down payment. They are typically more flexible in credit and income requirements than Conventional loans.
Program Highlights:
Low down payment options • FHA 100% DPA program available for eligible buyers
Sellers can pay up to 6% of closing costs
Is a USDA Loan Right for You?
USDA Loans are mortgages for homes in eligible rural areas and are backed by the United States Department of Agriculture offered by Guaranteed Rural Housing (GRH). USDA Loans have income limitations and are geared towards low-to-moderate income borrowers purchasing their primary residence. They offer lower interest rates, and no down payment is required.
Program Highlights:
No down payment required • Low monthly private mortgage insurance
Sellers can pay up to 6% of closing costs
Is a VA Loan Right for You?
A VA Loan is a mortgage that is backed by the Department of Veterans Affairs for veterans, active military personnel and military spouses who qualify. With no down payment requirement and competitive interest rates on the purchase of a primary residence, it's a great choice for eligible applicants.
Program Highlights:
No down payment required • Competitive interest rates
No monthly private mortgage insurance • Sellers can pay up to 6% of closing costs
Ready to apply for a Mortgage?Start by clicking the Apply for a Mortgage link below to access our online account application. Apply at your own speed, on your time. Save your application and come back as often as you like. If you have questions give us a call at (708) 946-2246. Apply for a Mortgage |
Mortgage Checklist
The following items will be needed to complete your mortgage loan.
Mortgage Loan Checklist | Items |
All applicants |
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If self-employed |
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For home purchase |
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| At a later date |
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SAFE REGISTRY MLO EMPLOYEES
| Safe Registry MLO Employees* | NMLS ID # |
| Wendy Hoekstra, Vice President - Retail Lending | 527675 |
| Susan Karstensen, Assistant Consumer Loan Officer | 2614815 |
| Tailor Burnes, Marketing Assistant | 2431194 |
| Susan Springfield, Retail Banking Manager | 527674 |
| Tammy Hoffman, Chief Administrative Officer | 1594302 |
| First Community Bank and Trust Bank Identifier | 460979 |
* For licensing information, go to www.nmlsconsumeraccess.org
* All offers of credit are subject to credit approval.
Need assistance with a Mortgage Loan?
Call us in Beecher at (708) 946-2246 or in Peotone at (708) 258-0530 or send us an online message.