Mortgage Loans

  

Welcome to the Mortgage Center!

Free Preapprovals

We offer preapprovals, so you can shop for your home knowing that you can afford the mortgage. Click APPLY NOW to get started.

Personal Assistance

You can call (Watseka Banking Center 815-432-2494 or Clifton Banking Center 815- 694-2329) or email one of our mortgage professionals to answer any of your questions or ask for advice.

Loan Programs

We offer loan options with no down payment requirements and low down payment requirements including fixed rate mortgages, USDA Rural Development mortgages, and home equity lines of credit. Please contact us for any questions, or click Check Rates to see the loan options available to you.

FHA/VA

We also can assist with FHA/VA loans by contacting our Watseka Banking Center or emailing mortgages@ftsbank.com.

Rate Watch

Keep an eye on rates by signing up for Rate Watch to have rates emailed to you. You may choose to have rates emailed to you when they reach your desired rate, or on a regular basis.

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IMPORTANT INFORMATION ABOUT CREDIT BUREAUS

Unless you have opted-out from receiving solicitations from creditors and insurance providers, you may be subjecting yourself to unwanted phone calls and Emails resulting from an application for a mortgage loan.

  • While we never sell or share any of your personal information, all of the credit bureaus are allowed by the government to identify you to be in the market for new credit.
  • You and joint applicants have the ability to opt-out from the credit bureaus' programs of selling your information, thereby protecting yourselves from these intrusive calls and Emails.
  • If you do not want to receive pre-screened offers, you have two choices: You can efficiently opt-out with either a phone call to 888-5-optout (888-567-8688) or a web visit to WWW.OPTOUTPRESCREEN.COM. Either of these methods will immediately notify all credit bureaus of your intent to opt-out for five years.
  • Although the credit bureaus are immediately notified in the opt-out process, please note the credit bureaus may take up to five days to act on your request.
  • Any mortgage application with us or another institution will possibly trigger a credit bureau request for your information, and the opt-out status needs to be in force at the time to protect you from unwanted solicitations.
  • Please note that the opt-out process will not undo the release of personal information you may have previously had from prior requests for credit. However, by choosing to opt-out now, you should be able to lessen the number and frequency of future unsolicited calls and Emails.
  • Our loan department would be glad to discuss the process or answer any other questions concerning the mortgage loan application. Feel free to initiate this call to us regardless of how far you are in the online application.

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