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First Northern Credit Union - Mortgage Options

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Local Mortgage Experts

Let's get you into your next home!

Competitive fixed & adjustable rates | Down payment & closing cost assistance programs | Refinancing options

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Choose your preferred loan type within the application, or one of our experts can help determine the perfect option for your unique situation

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Sarah Herschlag 
NMLS #510198
6832 Stalter Dr.
Rockford, IL 61108

Contact Sarah

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Sandy Federici
NMLS #510196
230 W. Monroe St. #2850
Chicago, IL 60606

CONTACT SANDY

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Lindsey Swanson
NMLS #942001
6832 Stalter Dr.
Rockford, IL 61108
 
CONTACT LINDSEY 
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Kristina Truax
NMLS #1203051
6832 Stalter Dr.
Rockford, IL 61108

CONTACT KRISTINA

  • Fixed-Rate Mortgage Loans

    We offer mortgage loans with fixed- and adjustable-rates, so we have an option for every need: 

    Conventional Mortgages
    FHA Mortgages
    VA Mortgages 
    Jumbo Mortgages
    USDA (Rural) Mortgages
    Doctor (Physician) Mortgages
    HomeReady Mortgages
    Portfolio Mortgages

    Learn More
    Apply Now

  • Don't let Student Loans Stand In the Way!

    With SmartBuy, offered through the Illinois Housing Development Authority (IHDA), we can help eligible homeowners pay off up to $40,000 in student loans, plus offer $5,000 in down payment and closing cost assistance when purchasing a home. Contact us for details and to get started. We'll make it easy!

    Learn More
    Contact Us

  • Down Payment & Closing Cost Assistance

    It can feel like buying a home is out of reach—but it's not. We've partnered with Fannie Mae, the Federal Home Loan Bank of Chicago, and the Illinois Housing Development Authority to offer solutions that may help lower your down payment.  And, we even offer ways for you to avoid or lower your closing costs! 

    Home Buying Programs
    Downpayment Plus Program

Check Out Our Mortgage Calculators

There are many financial decisions involved in purchasing or refinancing a home. Check out our mortgage calculator to see how much your monthly payment would be, how quickly you can pay off your existing mortgage by making additional payments, if paying points makes sense for you, and so much more!  

FREE ONLINE MORTGAGE CALCULATOR

What Is The Process To Get A Mortgage?

Whether you are buying or refinancing a home, your property is used as collateral for the mortgage loan. Learn more about what we will need from you and an explanation of each, including appraisals, applications, and so much more. 

LEARN MORE ABOUT THE MORTGAGE PROCESS