Realize Your Dream of Home Ownership

Welcome to Citywide Mortgage of America, your Illinois & Florida home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

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Real Customer Experiences

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Meet Our Team

Joseph

Joseph Mullappallil

Broker/Owner

733-908-8296

NMLS# 279504

Mitchell

Mitchell Shanks

Broker/Owner

773-908-9660

NMLS# 255071

William

William Jaramillo

Owner/Manager

773-202-2600

NMLS# 255253

Jeremy

Jeremy Karedan

Loan Officer

954-662-8508

NMLS# 1718163

Digmey

Digmey Jaramillo

Loan Officer

773-842-4225

NMLS# 292220

Marilu

Marilu Saucedo

Loan Officer

773-710-5392

NMLS# 1500486

Manoj

Manoj Thomas

Loan Officer

847-999-8070

NMLS# 1997082

Biju

Biju James

Loan Officer

847-471-4423

NMLS# 2023450

Berny

Berny Mullappally

Loan Officer

914-671-0078

NMLS# 1976768

Kattia

Kattia Reyes

Loan Officer

847-873-4888

NMLS# 2010210

Shijo

Shijo Mullappallil Esq.

In House Real Estate Attorney

847-650-8241

Current

Illinois

Mortgage Rates

Conventional Loan Purchase - 30 Year Fixed

Rate3.07%
1W Change 0.09%
APR3.13%
1W Change 0.09%
Last Updated: 03/01/2021

VA Loan Purchase - 30 Year Fixed

Rate2.72%
1W Change 0.05%
APR2.988%
1W Change 0.06%
Last Updated: 03/01/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Citywide Mortgage to receive a personalized rate for your specific situation.

Current

Illinois

Refinance Rates

FHA Loan Refinance - 30 Year Fixed

Rate3.25%
1W Change 0.83%
APR3.919%
1W Change 0.79%
Last Updated: 03/01/2021

Conventional Loan Refinance - 30 Year Fixed

Rate3.14%
1W Change 0.07%
APR3.196%
1W Change 0.07%
Last Updated: 03/01/2021

VA Loan Refinance - 30 Year Fixed

Rate2.67%
1W Change 0.06%
APR2.986%
1W Change 0.07%
Last Updated: 03/01/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Citywide Mortgage to receive a personalized rate for your specific situation.

  • Jeremy and the team helped me close in less than 2 weeks! They treated me like family and explained everything in a way I can understand. Having an in house attorney was also a plus, pretty much a one stop shop! I will definitely contact Jeremy for my winter home in Florida! Sheljo Abraham - September 26, 2019

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Illinois? Rates are historically low and now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Instant Home Valuation

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Second Home vs. Investment Property

Second home, investment property, vacation home, rental property.....Is there any real difference among them? There are actually some very big differences between second homes and investment properties, especially if you are obtaining financing for one. Second Home A second home is just that: a second property where you and your family spend time, away from…

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Valentine’s Day Home Improvement Ideas Illinois February 12, 2021

Valentine’s Day Home Improvement Ideas

Greeting cards, romantic dates, flowers, and chocolates are the gold standard for Valentine’s Day. But this year, why not do something different? The best Valentine’s Day gifts are those that can be enjoyed for years. DIY or home improvement projects create lasting memories reflective of a special bond between people. It’s less about the actual…

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Citywide Mortgage

4323 W Irving Park 1B
Chicago, Illinois 60641
(773) 202-2600
NMLS# 255253

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