Frequently Asked Questions
Straight answers when time matters
Understand the process, timing, and eligibility before you apply.
About Our Loans
What counties in Illinois do you serve?+
We serve all counties in Illinois.
Is a credit score required?+
No credit score is required. Eligibility depends on the property and other application details.
What are your interest rates?+
Our rates are competitive and transparent. We provide a clear quote with all terms after you apply, based on your property's specifics. There are no hidden fees.
What is the $300 Appraisal Refund?+
Eligible borrowers may receive a $300 refund toward the appraisal cost after their loan successfully closes. Your loan specialist will confirm eligibility and the exact terms before you proceed.
Do you take ownership of my home?+
No we do not take ownership of your home. This loan is a regular lien just like a mortgage.
The Process
How quickly can I get my taxes paid?+
The process is fast, typically just a few business days after approval and closing.
What documents will I need to provide?+
Documents typically include a photo ID, recent mortgage statement, property tax bill or redemption estimate, proof of insurance, and property ownership information. We will give you a tailored checklist.
Is there a penalty for paying off the loan early?+
Your written loan terms will clearly state all payoff conditions before you close. Ask your loan specialist to review the payoff section with you.
Eligibility
What properties are eligible?+
You must own property in an Illinois county and have sufficient equity. Residential property types may qualify.
Can I apply with a co-applicant?+
Yes. The application includes an optional co-applicant section.
Still have questions? Contact us today.