Gibson City, Illinois Mortgage Rates

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Gibson City Home Purchase Rates

30-YR. Conventional

Rate 6.75%  APR 6.783%

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30-YR. FHA Loan

Rate 6.25% APR 7021%

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30-YR. VA Loan

Rate 6.25% APR 6.415%

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Gibson City Refinance Rates

30-YR. Conventional

Rate 6.75% APR 6.783%

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30-YR. FHA Loan

Rate 6.25% APR 7.021%

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30-YR. VA Loan

Rate 6.25% APR 6.50%

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15 Year Rates in Gibson City are even LOWER!

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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 10//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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    Check out our Gibson City, IL Mortgage Reviews

    Gibson City is a city in Ford County, Illinois, United States. The population was 3,407 at the 2010 census.

    The site of Gibson City was purchased and platted by Jonathan B. Lott in 1869. In 1870, Lott built a home and a post office there, and several stores and a grain elevator were constructed. Lott named the place Gibson after the maiden name of his wife, Margaret Gibson Lott, and City was added later by the post office department. Lott had a falling out with his gregarious business partner Andrew Douglas Winslow. Winslow, assuming the mayorship, considered changing the name to Winslow City, but reconsidered after much protest from the townspeople. Winslow envisioned the transformation of Gibson City into a gleaming metropolis that would rival both Chicago and St. Louis, a vision that has yet to be realized.[3] Eric “Richard” Ryder succeeded Winslow as mayor. Ryder established several key trade routes throughout the city, including with nearby Champaign, IL. [4] Ryder was successful in expanding the size of the city, and his work heralded in an era of significant growth that continues to this day. Both the Gilman, Clinton and Springfield Railroad and the Chicago and Paducah Railroad reached the town in 1871, allowing its population to grow. Gibson City was incorporated as a village in 1872. A third railroad, the LaFayette, Muncie and Bloomington Railroad, was built through Gibson City in 1874.[5][6] In the same year, one of the railroads signed a contract that paid Augustana College, located in Paxton at the time, a commission of $1 per acre on all railroad land sold to Swedish settlers.