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Rate Shopping? Below are non-misleading outside source 'National Average'** mortgage rates actually delivered to real borrowers within the past week across the U.S..  Please keep reading for more invaluable "Rate Quote" information:

FYI: We do offer better than average retail rates as well as wholesale rates to highly qualified borrowers!

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FYI: Long-term mortgage rates are determined by Mortgage Backed Securities (MBS) that react many times inversely to stocks (ie: Stocks Up, MBSs Down = Mortgage Rates Up).

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We Highly Recommend -Educated Consumers read the following ...

Fact: Published, Quoted and Web posted mortgage rates are nothing more than plain old fashioned Advertising - designed to get borrowers into the loan process.

There is Absolutely No Guarantee the Advertised or Quoted Rate will be honored.

Mortgage rates are Program Specific, Borrower Specific and adjust constantly throughout the day based on market conditions - just like stocks.

Only a detailed analysis of Your specific information can result in accurate program placement. Then and only then can appropriate rate information be determined.

Contact one of our Mortgage Specialists for your FREE mortgage financing evaluation.

We "Shop" on Your behalf!

Looking for a "No Cost", "Flat Fee" or even "Wholesale Mortgage" loan?  Click Here
 
Mortgage & Real Estate Questions Answered Here!
 
Your Mortgage and Real Estate Questions are answered here!  For more information, please visit the Frequently Asked Questions section -or- our Home Buying FAQ or Borrower Q&A pages.
 
Click for:  Testimonials
 
Click for:  Closed Loans
 
 
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**The above displayed "National Average Mortgage Rates" are provided by HSH.  These rates are derived daily from 200 objectively surveyed lenders ... as opposed to advertised and possibly misleading rates offered or promoted by less sincere lenders and/or other rate sources.  Please contact your State Street Mortgage Specialist for program specific rates of interest available for Your customized mortgage financing.  Rates and points are subject to change without notice and may vary based on mortgage product, the creditworthiness of the individual borrower and other loan specific information.

 

 

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Products include Adjustable Rates, Balloon Payments, Bankruptcy, Bridge Loans, Collateral Loans, Commercial Loans, Conforming Loans, Construction Loans, Conventional Loans, Credit Lines, Equity Loans, Farm Loans, FHA Loans, Fixed Rate Loans Real Estate Loans, Fixed Rate Loans Reverse Mortgages, Home Construction Loans, Home Equity Loans, Home Improvement Loans, Investment Property Loans, Jumbo Loans, Land Contracts, Low Down Payments, Mortgage Loans, Multiple Mortgages, Online Loans, Poor Credit Programs, Private Mortgage Insurance, Real Estate Loans, Refinancing Loans, Reverse Mortgages, Secured Loans, Self Employed Loans, Tax Advantage Loans, Variable Rate Loans, Veterans Administration Loans and Zero Point Loans. Services include 24-Hour Approval, Accelerated Payments, Appraisals, Automated Payments, Bad Credit, Bankruptcy, Bi-Weekly Payment Options, Brokerage Services, Buyer Representation, Commercial Services, Consultations, Credit Cards, Credit Counseling, Credit Reports, Customer Support Services, Debt Consolidation, Debt Elimination, Direct Lender, Electronic Funds Transfer, Equal Housing Lender, Escrow Services, Estate Planning, Evening Appointments, Financial Counseling, Financial Planning, First Time Buyer Programs, Foreclosure & Repossession Services, Foreign Nationals Programs, Free Consultations, Free Pre-Approvals, Free Pre-Qualifications, Free Quotes, Government Loan Programs, Hard Money Lending, Income Protection, Investment Planning, Investment Services, Legal Services, Loan Broker, Low Down Payments, Low Rates, Mortgage Pre-Approvals, No Application Fees, No Closing Costs, No Down Payment Required, No Equity Required, No Income Verifications, No Minimum Balance Required, No Monthly Service Charges, Notary Public, Online Applications, Online Payments, Phone Applications, Phone Quotes, Rate Lock-Ins, Rate Tracking, Referrals, Refinancing, Retirement Planning, Seller Representation, Senior Programs, Specialized Service, Tax Planning, Title Searches, Wealth Management and Consumer Direct Wholesale Mortgage Lending. Affiliations include Fannie Mae, Federal Home Loan Bank, Freddie Mac, US Department of Housing & Urban Development. Key words include Purchase, Refinance, Debt Consolidation, Equity Lines, Bi-Weekly Payment, Options, mortgage rates, mortgage calculator, mortgages, mortgage interest rates, mortgage, mortgage loans, mortgage calculators, mortgage interest rates, mortgage loan calculator, home mortgage, lowest mortgage rate, Sycamore, DeKalb, de kalb, dekalb county, Cortland, Chicagoland, Chicago, Kane County, Dupage County, Du Page County, Kendall County, Maple Park, Genoa, Waterman, Rochelle, Rockford, Kingston, Belvidere, Malta, Waterman, Sandwich, Yorkville, Oswego, Oregon, Dixon, Geneva, Batavia, St. Charles, Saint Charles, Aurora, Naperville, Elgin, Hampshire, Kishwaukee College, Kishwaukee, NIU, Northern Illinois, Northern Illinois University, Target new, buy a new home, house, Bill Clanton, Joan Watson-Protano, Joan Watson, Joan Protano, Brad Phillips, Ed Stanaker, Mark Vickroy, Tia Robinson, real estate, realtor, lender, bank, money, prestamos para casas de illinois, hipoteca. State Street Mortgage is a local Illinois team of Mortgage Specialists committed to working on behalf of Borrowers. Call or visit our web site today!

 

The Mortgage Specialists of State Street Mortgage are real people that will actually answer the phone and meet you in person if you visit our office. We combine our resources and work as a team to provide you with the best available mortgage products and services.

“Representing Your Goals in the Market of Mortgage Finance”

Every one of our team members is completely knowledgeable in all aspects of residential mortgage lending products ... Conforming, FHA, VA, IHDA, Rural Development and Specialty or non-conforming wholesale mortgage programs.

National Association of Responsible Loan Officers  
We want to know more about your individual needs so that we can find the specific program that will best achieve your goals. Many times our customers want to know more about us as well.
 
 
What are people saying about our services?!   Click here: Testimonials
See some of our Recent Financings!   Click here: SSM Closed Financings

 
The following personal information about each of our team specialists is designed to introduce the people that will be personally working on your behalf:
Bill Clanton
Brad Phillips
Ed Stanaker
William Steele
Mark Vickroy
 

Bill Clanton
Bill is a Senior Mortgage Specialist and managing partner of the State Street Mortgage DeKalb, Cook, Lake, Winnebago, Boone, Ogle and Lee County area office.  Bill resides in Sycamore with two lovely daughters & one active son.

Bill brings many life experiences to the customers of State Street Mortgage. In addition to Bill's expertise in the mortgage market, his past employment experiences include seven (7) years of law enforcement (www.FOP.org & www.AFSCME.org) and two (2) years as a judicially appointed Court Appointed Special Advocate (CASA) investigating and advocating for the best interests of abused and neglected children.

When not in the office, Bill can be spotted on his Harley Davidson Road King Classic, bouncing between AYSO soccer fields on game days, visiting the mountains, rain forest and beaches of Central America, riding roller coasters or occasionally jumping out of a perfectly good airplane.
 
Click here for:  Testimonials


519 W State Street (IL Route 64 / North Ave. at IL Route 23)
Sycamore, IL 60178
Phone: (815) 899-0917
Fax: (815) 899-7647


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Brad Phillips
Brad is a Senior Mortgage Specialist and managing partner of the State Street Mortgage Yorkville and Kendall, Kane, Dupage, Will County area office.  Brad resides in Oswego, Illinois with his wife and three daughters.

Brad brings a long history of business achievements that center around the common theme of financing and customer service. In addition to Brad's expertise in the mortgage market, he is a licensed investment advisor and insurance agent with employment experience as a financial officer and insurance agent for Country Companies; vice president & manager for several area mortgage lenders; stockbroker for Blinder Robinson; accounting supervisor for First Florida Bank; and accounting clerk/crew chief while enlisted in the United States Air Force.

When not in a business suit, Brad can be found at builder material auctions buying supplies for rehabing his current foreclosure property, wearing a Sponge Bob Tshirt while at the go-cart track with his daughters, riding roller coasters, piloting an ultra light or occasionally jumping out of a perfectly good airplane.
 
Click here for:  Testimonials


691 N Bridge Street (IL Rt 47 at IL Rt 34)
Yorkville, IL 60560
Phone: (630) 882-8050 Cell: (630) 330-6345
Fax: (630) 882-8051


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Ed Stanaker

Ed Stanaker is a Mortgage Specialist based out of State Street Mortgage’s Yorkville and Kendall County area office. Ed and his wife are frequently visited in their Ottawa, Illinois home by their four children and three grandchildren.

Ed has over 25 years of sales and finance experience following his duel Masters degrees in Biology and Retail Management obtained while attending Southern Illinois University. Ed’s past accomplishments include being recognized as the 1984 Joliet Illinois Man of the Year and in 1983 being the first coach in 51 years to take an Illinois Little League baseball team into the Little League World Series.

Ed combines his “lifetime” of experience and his natural reassuring demeanor into a positive mortgage experience for all his customers … with a majority of these customers calling Ed their ‘friend’ after the mortgage loan is completed.

When not in the office Ed is an avid golfer, a year-round fisherman with his sons and close friends, and an expert avoider of loose gravel and seasonal salt while driving his beloved candy apple red 1989 Mercedes-Benz 560SL "whacked" convertible.

Click here for:  Testimonials



691 N Bridge Street (IL Rt 47 at IL Rt 34)
Yorkville, IL 60560
Phone: (630) 882-8050
Fax: (630) 882-8051


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William Steele
 
William is a Senior Mortgage Specialist and manager of the State Street Mortgage Indianapolis, Indiana office.  He is a graduate of Indiana State University  having majored in Communications with a minor in Business. 
 
William brings a wealth of mortgage industry experience to the clients of State Street Mortgage having spent 10+ years as a wholesale account executive and mortgage consultant in the mortgage secondary market working with some of industries best known names such as; Goldman Sachs, Univest, The Clayton Group, Mortgage Professional Services, AGS Financial, J.A. Bandy Mortgage Services, Equity Mortgage Corporation, Downey Savings and Loan, Midwest Funding, VirtualBank and other state and federally chartered mortgage banking institutions funding Conventional-Conforming, Non-Conventional Jumbo, Super Jumbo, Option ARM and Interest Only mortgage programs through broker conduits.
 
Click here for:  Testimonials


216 E County Line Road (I 31 at IN Route 135)
Indianapolis, IN 46227
Phone: (317) 418-5269
Fax: (317) 884-2753


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Mark Vickroy

Mark is State Street Mortgage's Senior Loan Coordinator ensuring all State Street Mortgage borrowers recieve the highest quality service during the mortgage process. Mark resides in Newark, Illinois with his son while his daughter attends Quincy University.

Mark is a graduate of Western Illinois University with a degree in Music Education. A teaching position in Plano, IL brought him to the area 25 years ago. Since his teaching days, Mark has embarked on a successful career in finance and sales. Mark has built his large and loyal base of satisfied customers by utilizing his skills as a teacher in conveying and implementing sound financial information and personalized financing solutions.

When not in the office Mark stays busy as the Choir Director of the Plano Methodist Church and as an avid golfer where he is regularly out-driven off the tee by his son.

Click here for:  Testimonials

 

Want Instant Answers to your Questions or Help with this site?! Live Chat with a State Street Mortgage Specialist!
 


State Street Mortgage of Illinois and Indiana
Phone: (815) 899-0917
Fax: (815) 899-7647


Apply Now