Home Mortgage Loan Ratesin Illinois

Planning on purchasing a new home? FHA Loans offer low down payments, low closing costs, and are easier to qualify in regards to income or credit score. Use ERATE®'s rate chart to compare today's top rates in Illinois and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 08/13/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.539% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.829 Points$2,653 Points Fee
$9,143 Total Fees$6,490 Lender Fees
 30 Years FixedFHA Loan
6.770% APR 5.490% Rate 35 day rate lock $1,815 Payment per month
0.625 Points$2,000 Points Fee
$9,090 Total Fees$7,090 Lender Fees
 30 Years FixedFHA Loan
6.825% APR 5.500% Rate 45 day rate lock $1,817 Payment per month
1.000 Points$3,200 Points Fee
$10,795 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
6.940% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.919 Points$2,941 Points Fee
$10,536 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.289% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.835 Points$2,672 Points Fee
$10,272 Total Fees$7,600 Lender Fees
 30 Years FixedFHA Loan
7.368% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.648 Points$2,074 Points Fee
$8,374 Total Fees$6,300 Lender Fees
 30 Years FixedFHA Loan
Numbers you can trust
PenFed membership is open to everyone, including you.
As low as 0% down options & down payment assistance
$0 down payment for Veterans homebuying with a VA Loan
0% down payment USDA Loan options
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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