Mortgage Loans in Illinois
A small, licensed team that answers your texts. Shay Yates is licensed as a mortgage loan originator in Illinois, and we help Illinois buyers and homeowners from our Springfield, Missouri office.
Local feel, wherever you are in Illinois
Buying or refinancing in Illinois does not have to feel like dealing with a faceless lender. You will know who is working on your loan, you can reach us by text or by phone, and we explain each decision before you make it.
We are licensed to help borrowers across Illinois, including markets such as Chicago, Springfield, Peoria, and Rockford. Property taxes, insurance, and closing practices can vary by state and county, so we explain what applies where you are buying. We do not guess at your numbers. Not every loan program is available in every area, and all loans are subject to credit and property approval.
Shay is the loan officer licensed in Illinois. Licensing for other team members varies by state, so please start with Shay.
Loans we offer in Illinois
Pick a path to learn more. We will help you find the one that fits.
Home Purchase Loans
Buying a home? We walk you from pre-approval to closing.
Learn moreRefinance
Look at changing your payment, your term, or your equity use.
Learn moreVA Loans
For eligible Veterans, active-duty service members, and surviving spouses.
Learn moreFirst-Time Home Buyers
Clear steps and honest answers for your first home.
Learn moreSelf-Employed Loans
Work for yourself? We help you understand your income and documents.
Learn moreAreas we serve in Illinois
We help buyers across Illinois. These are places we hear about often, and your search can start anywhere.
Chicago
The state's biggest market and one of the busiest in the country, with condos, two flats, and single family homes across the city.
Aurora
The second largest city in the state and a western suburb with a wide range of price points and plenty of established neighborhoods.
Joliet
A Will County city southwest of Chicago, with a mix of older homes and newer construction and price points that run lower than many closer in suburbs.
Rockford
A northern Illinois city on the Wisconsin border with price points that tend to run lower than the Chicago suburbs.
Belleville
In the Metro East across the river from St. Louis, near Scott Air Force Base, which gives local Veteran and military buyers a steady presence.
Property tax bills in Illinois vary widely from county to county, so ask for the tax estimate on any home you are considering.
First-time buyer help is available in Illinois through Illinois Housing Development Authority (IHDA). Program details and participating lenders are set by the agency, so ask us whether you may qualify.
Working with us from anywhere in Illinois
You do not need to drive to Missouri. Most of the process happens from your phone or your couch.
- Step 1
Text or call
Reach us at (417) 849-2430. A real member of our team answers and talks through your goals.
- Step 2
Apply online
Start a secure digital application from your phone or computer. No office visit needed.
- Step 3
Share documents
Upload what we ask for and track your file. We keep you updated at every step.
- Step 4
E-sign and close
Many documents can be signed electronically. Closing is arranged with a title or settlement company in your state.
Trusted Realtors in Illinois
Seats available for preferred agents in Illinois. Are you a local agent? Claim a seat and be listed here.
Disclosure. Realtors listed are independent professionals and are not affiliated with Southwest Funding or True North Yates Group. No fees are paid or received for referrals, and you are free to choose any real estate agent.
True North Yates Group is an Equal Housing Lender and supports fair housing. We do not steer anyone toward or away from any neighborhood, and agents are never listed or described based on who lives in a community. You choose where you live and who helps you buy.
Other states we serve
Ready to talk about a Illinois mortgage?
Text, call, or start your application online. We are here to help.
Or text us anytime: (417) 849-2430
Shay Yates, Loan Officer | NMLS #2172921 | Illinois license: 031.0081503 | Sponsored by Southwest Funding, LP, NMLS #32139 | Branch NMLS #2424517. Verify at NMLS Consumer Access. Equal Housing Lender.