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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Mortgage Rates in Illinois | Refinance Rates | HSH Lender Showcase

Illinois Mortgages

Whether you have your sights set on an urban abode in Chicago, an Interior plains farm, or a Lake Michigan vacation retreat, HSH.com can help you make good on your real estate plans.

HSH.com provides the information you need to make good home financing decisions. Find current IL mortgage rates and qualified mortgage lenders who can help you find the right home loan program. The rich archive of Illinois mortgage rates and mortgage calculators available here are tools to help you evaluate your refinancing options, arrange a home equity loan, find private mortgage insurance, or assess home loan options.

Make the right choice in home financing. Research current IL mortgage rates and contact a mortgage lender for lender quotes.

Illinois Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for Illinois

Select County
County Name One Family Two Family Three Family Four Family
Adams County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Alexander County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bond County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Boone County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Brown County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bureau County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Calhoun County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carroll County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cass County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Champaign County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Christian County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clark County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clay County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clinton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Coles County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cook County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Crawford County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cumberland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
De Witt County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dekalb County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Douglas County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dupage County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Edgar County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Edwards County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Effingham County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fayette County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ford County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Franklin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fulton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gallatin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Greene County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Grundy County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hamilton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hancock County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hardin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Henderson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Henry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Iroquois County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jackson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jasper County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jefferson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jersey County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jo Daviess County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Johnson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Kane County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Kankakee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Kendall County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Knox County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lake County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lasalle County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lawrence County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Livingston County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Logan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Macon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Macoupin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Madison County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marion County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marshall County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mason County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Massac County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mcdonough County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mchenry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mclean County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Menard County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mercer County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Monroe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Montgomery County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Morgan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Moultrie County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ogle County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Peoria County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Perry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Piatt County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pike County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pope County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pulaski County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Putnam County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Randolph County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Richland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rock Island County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Saline County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sangamon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Schuyler County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Scott County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Shelby County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
St. Clair County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Stark County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Stephenson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Tazewell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Union County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Vermilion County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wabash County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Warren County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Washington County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wayne County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
White County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Whiteside County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Will County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Williamson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Winnebago County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Woodford County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
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