The Best Rate Tool

A Better Tool can help you find a better deal.

With our proprietary Best Rate Tool, we make it simple for you to calculate how to get your best mortgage rate. It can show you how a small adjustment can make a difference of thousands of dollars over the life of your loan. It can even tell you if you qualify for special money-saving loan products like the First Time Homebuyer Program. Just plug in a few key figures. The tool does the math. You do the celebrating.

Start Your Application Online

LSB’s Best Rate Tool will help you understand the numerous loan rate options available based on your loan-to-value ratio and term of loan. With a better understanding of the options available, you can make a more informed decision regarding which combination of loan-to-value ratio and term of loan would be most advantageous to you.

This calculator is optimized for single family detached and townhome financing. If you are financing a condominium, please note that your actual rate and payment terms may differ from what is presented below. If you plan on financing a condominium, please call us at (630) 852-3710.

I would like to:

Purchase

Refinance

Are you a first time home buyer?

Yes

No

You may qualify for LSB’s First Time Homebuyer Program with additional benefits like no PMI, no origination fee, no points, & more!

Are you a first time homeowner currently paying PMI?

Yes

No

Purchase Price:

Down Payment:

Loan Amount:

Market/Appraised Value:

Loan to Value Ratio:

Based on the information you have provided above, we have calculated your Loan to Value ratio at 47% and are able to offer the following loan options.

Rates Results

Results Data Structure

Term of Loan

Interest Rate

Annual Percentage Rate

Monthly Payment

Total interest paid through the life of the loan

30 Year Loan Rates

Loan term of 30 Years

13.750% Interest Rate

3.946% Annual percentage Rate

$1,651.01 Monthly Payment

$33,121.26 Total interest paid through the life of the loan

25 Year Loan Rates

Loan term of 25 Years

13.750% Interest Rate

3.946% Annual percentage Rate

$1,651.01 Monthly Payment

$33,121.26 Total interest paid through the life of the loan

20 Year Loan Rates

Loan term of 20 Years

13.750% Interest Rate

3.946% Annual percentage Rate

$1,651.01 Monthly Payment

$33,121.26 Total interest paid through the life of the loan

15 Year Loan Rates

Loan term of 15 Years

13.750% Interest Rate

3.946% Annual percentage Rate

$1,651.01 Monthly Payment

$33,121.26 Total interest paid through the life of the loan

10 Year Loan Rates

Loan term of 10 Years

13.750% Interest Rate

3.946% Annual percentage Rate

$1,651.01 Monthly Payment

$33,121.26 Total interest paid through the life of the loan

By adding another $4,000 to your down payment, you will be eligible to receive a lower interest rate. Click the Update button to refresh the rate information.

By adding another $4,000 to your down payment, you will be eligible to receive a lower interest rate. Click the Update button to refresh the rate information.

LSB’s First Time Homebuyer Program

If you have a down payment of at least 10%, we have a loan program that does not require the added expense of a monthly private mortgage insurance (PMI) payment.

Learn More

Lock In Your Rate

If you'd like to lock in a rate from your calculations above, contact a LSB loan officer at (630) 852.3710.

Online Mortgage Application

To get started just click the button below and let the process begin.

Apply Online

Rates are accurate as of .

Fixed-term mortgage loans are for single-family owner-occupied properties which includes single-family detached homes, townhomes and condominiums. For any loan amounts exceeding $999,999, please contact a loan officer at (630) 852-3710.

Property insurance is required. Flood insurance may be required. Real estate tax escrow may be required. Payment examples do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.

Rates are subject to change without notice.

The above rates are for loans within the bank’s market area of DuPage, Will, and Kane Counties. Please call for additional information. All loans are subject to the bank’s underwriting standards.

On-line rates are for informational purposes only. While we make every effort to keep the rates current and accurate, inaccurate rates will not be honored. The Annual Percentage Rate (APR) is based on an estimate of charges you are likely to incur at the closing. The APR will also vary based on your final loan amount and finance charges. Your actual rate, payment, and costs could be higher. Before application you will receive a loan estimate and before closing you will receive a final closing disclosure.

5.125$$5.125;:;5.310$$5.310;:;1,760.18$$1,760.18;:;0$$0;:;5.250$$5.250;:;5.382$$5.382;:;0$$0;:;1,326.40$$1,326.40;:;5.750$$5.750;:;5.861$$5.861;:;0$$0;:;1,158.44$$1,158.44;:;5.875$$5.875;:;5.971$$5.971;:;0$$0;:;1,050.53$$1,050.53;:;6.000$$6.000;:;6.086$$6.086;:;0$$0;:;989.26$$989.26;:;5.000$$5.000;:;5.269$$5.269;:;0$$0;:;1,750.08$$1,750.08;:;5.125$$5.125;:;5.316$$5.316;:;0$$0;:;1,315.58$$1,315.58;:;5.625$$5.625;:;5.783$$5.783;:;0$$0;:;1,146.69$$1,146.69;:;5.750$$5.750;:;5.886$$5.886;:;0$$0;:;1,038.03$$1,038.03;:;5.875$$5.875;:;5.997$$5.997;:;0$$0;:;976.04$$976.04;:;4.875$$4.875;:;5.141$$5.141;:;0$$0;:;1,740.02$$1,740.02;:;5.000$$5.000;:;5.188$$5.188;:;0$$0;:;1,304.81$$1,304.81;:;5.500$$5.500;:;5.656$$5.656;:;0$$0;:;1,135.01$$1,135.01;:;5.625$$5.625;:;5.759$$5.759;:;0$$0;:;1,025.60$$1,025.60;:;5.750$$5.750;:;5.870$$5.870;:;0$$0;:;962.90$$962.90;:;4.750$$4.750;:;5.013$$5.013;:;0$$0;:;1,729.99$$1,729.99;:;4.875$$4.875;:;5.061$$5.061;:;0$$0;:;1,294.09$$1,294.09;:;5.375$$5.375;:;5.529$$5.529;:;0$$0;:;1,123.40$$1,123.40;:;5.500$$5.500;:;5.632$$5.632;:;0$$0;:;1,013.24$$1,013.24;:;5.625$$5.625;:;5.743$$5.743;:;0$$0;:;949.83$$949.83;:;1,134.25$$1,134.25;:;2,102.00$$2,102.00;:;1,452$$1,452;:;539.25$$539.25;:;1,595.00$$1,595.00;:;0$$0;:;0$$0;:;.125$$.125;:;4.89$$4.89;:;5.00$$5.00;:;5.37$$5.37;:;5.50$$5.50;:;0.15$$0.15;:;0.15$$0.15;:;0.05$$0.05;:;0.05$$0.05;:;2.96$$2.96;:;3.00$$3.00;:;0.05$$0.05;:;0.05$$0.05;:;0.70$$0.70;:;0.70$$0.70;:;0.70$$0.70;:;0.70$$0.70;:;0.70$$0.70;:;0.70$$0.70;:;0.60$$0.60;:;0.60$$0.60;:;0.70$$0.70;:;0.70$$0.70;:;1.00$$1.00;:;1.00$$1.00;:;1.25$$1.25;:;1.25$$1.25;:;0.45$$0.45;:;0.45$$0.45;:;3.69$$3.69;:;3.75$$3.75;:;0.50$$0.50;:;0.50$$0.50;:;3.25$$3.25;:;3.20$$3.20;:;0.55$$0.55;:;0.55$$0.55;:;0.60$$0.60;:;0.60$$0.60;:;0.65$$0.65;:;0.65$$0.65;:;0.70$$0.70;:;0.70$$0.70;:;0.75$$0.75;:;0.75$$0.75;:;0.50$$0.50;:;0.50$$0.50;:;0.60$$0.60;:;0.60$$0.60;:;.50$$.50;:;.50$$.50;:;4.69$$4.69;:;4.80$$4.80;:;

Contact Us