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First Northern Credit Union - Mortgage Options

man holding house concept with money

Lower rates. Lower fees.

You've come to the right place.

Local, fast decisions. Personal service. Free consultations. 

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Serving northern IL since 1944. Locations in Rockford, Evanston & Chicago.

Refinance & save thousands of dollars
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Low fixed rates and lower fees
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Credit challenged? We can help. 
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We offer fixed-rate VA loans
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  • Is it time to refinance? Let's chat.

    Wondering if refinancing your current mortgage makes sense, or if you should wait? Let’s chat. Every situation is different, and a quick conversation can help you see what truly fits your goals and budget. We're happy to answer questions and walk you through your options — no pressure, just helpful guidance by local experts.

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  • Lower Rates.
    Lower fees.

    Our lower rates & lower fees can save you thousands of dollars over the life of your mortgage. Even a small reduction in rate offers a lower monthly payment and reduces total interest paid. Our lower fees — including origination, underwriting, and closing costs — mean more of your money goes toward building equity instead of covering expenses.

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  • Down Payment & Closing Cost Assistance

    If you have a steady income & good credit, we can help.
    Downpayment Plus® provides down payment and closing cost assistance for income-eligible homebuyers. Through the program up to $10,000 may be available to eligible homebuyers to use toward down payment and closing costs.

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