Your Source for Mortgage and Home Equity Loans

Whether you're buying, refinancing the house you've already made a home, or about to undergo a remodel, we've got the products you'll need.

Your Home Team!

Our Mortgage Department offers you the best of both worlds.  Online convenience with local service to provide you with:

  • Quick turn-around-times
  • e-delivery and e-signing of documents
  • Our staff to walk with you through the process from application to closing

You can choose from a variety of mortgage options including:

  • FHA
  • VA
  • USDA/Rural
  • Low down payments
  • conventional mortgages
  • second homes
  • out-of-state homes

If you have questions about which option is best for you call 217-872-4103,  email, or stop in our Dividend Branch.  Appointments are recommended but not required.

Mortgage Rates

These are our lowest rates available, and your rate could be higher. Give us a call when your ready to start the mortgage process!

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Apply Now!

This is where the fun begins! Get started here.

My Account

If you've gotten the ball rolling, you can check the status right now.

Mortgage Forms

Forms are a necessary part of the process. We have the ones you may need here!

Mortgage Center

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