Chicago, Illinois Mortgage Rates

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Chicago Home Purchase Rates

30-YR. Conventional

Rate 5.25%  APR 5.281%

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30-YR. FHA Loan

Rate 4.75% APR 5.483%

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30-YR. VA Loan

Rate 4.875% APR 5.025%

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Chicago Refinance Rates

30-YR. Conventional

Rate 5.25% APR 5.292%

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30-YR. FHA Loan

Rate 4.75% APR 5.483%

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30-YR. VA Loan

Rate 4.875% APR 5.104%

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15 Year Rates in Chicago are even LOWER!

Call for custom fixed rate terms from 8 – 30 years.

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Rates based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770 Rates, terms, and fees as 4/22/2022 11:00 AM Central Standard Time and subject to change without notice. Rates are posted daily at 11am Monday – Friday.  Rates are not posted on the weekend. Call the Smart Mortgage rate lock line now (888) 999-1350.

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    Chicago (/ʃɪˈkɑːɡoʊ/ (listen) shih-KAH-goh, locally also /ʃɪˈkɔːɡoʊ/ shih-KAW-goh;[6]), officially the City of Chicago, is the most populous city in the U.S. state of Illinois, and the third most populous city in the United States, following New York City and Los Angeles. With a population of 2,746,388 in the 2020 census,[4] it is also the most populous city in the Midwestern United States and the fifth most populous city in North America. Chicago is the county seat of Cook County, the second most populous county in the U.S., while a small portion of the city’s O’Hare Airport also extends into DuPage County. Chicago is the principal city of the Chicago metropolitan area, defined as either the U.S. Census Bureau’s metropolitan statistical area (9.6 million people) or the combined statistical area (almost 10 million residents), often called Chicagoland. It is one of the 40 largest urban areas in the world.