Land of Lincoln Credit Union

Buying a home is one of the most important purchases of your life. Deciding which mortgage loan is right for you can depend on a lot of factors. If you are unsure of what is right for you, talk with one of our experienced Mortgage Loan Officers. We want to help guide you to the best option! Visit one of our branches to speak to one of our experienced Mortgage Loan Officers or call 1-844-222-7788 to make an appointment.

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Downpayment Plus® Program

If you want to buy a home and have a steady income and good credit, Land of Lincoln Credit Union and the Federal Home Loan Bank of Chicago can help. Through the Downpayment Plus® Program*, up to $10,000 may be available to eligible homebuyers to use toward down payment and closing costs. Ask one of our loan officers today about the Downpayment Plus® Program to see if you are eligible.

Homebuyers must meet income eligibility requirements and:

Contribute at least $1,000 to purchase of the home.
Complete pre-purchase homebuyer education and counseling.
Live in the home as your primary residence.

Meet Our Mortgage Team

Jeff Drake

AVP - Mortgage Lending

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Tricia Kramer

Mortgage Loan Officer

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Matt Reynolds

Mortgage Loan Officer

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Mortgage Documents Needed

The following is a list of documents that you will likely need to provide to your Mortgage Loan Officer (MLO) during the mortgage application process:

All paystubs for the past 30 days
All W2’s for the past 2 years
Federal Tax Returns for the past 2 years
All bank statements for the past 60 days
Signed YTD Profit & Loss statement and balance sheet (if self-employed)
Documentation verifying any additional income

*NMLS ID: 412587. First mortgage purchase and refinance loans are available in most Central Illinois Counties.

Mortgage Loans

Downpayment Plus® Program

Meet Our Mortgage Team

Jeff Drake

Tricia Kramer

Matt Reynolds

Mortgage Documents Needed