Home Mortgage

Buying a home is a big deal and our lenders can make this part of your life easy so you can worry about where to put your couch instead of your financing. Our home loans for buying or building offer some of these benefits:

• Free mortgage check-up
• Competitive rates and flexible terms
• Fixed, ARM & Balloon rates
• Low and no down payment options
• No prepayment penalty

If you want to buy a home and have a steady income and good credit, BankORION 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 the purchase of the home
• Complete pre-purchase homebuyer education and counseling
• Live in the home as your primary residence

BankORION is committed to helping our neighbors. We can help lower your borrowing costs if you qualify for the Downpayment Plus Program.

*Downpayment Plus is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago's website at www.fhlbc.com for complete requirements. "Downpayment Plus" is a registered trademark of the Federal Home Loan Bank of Chicago.

Rates are still low right now. Refinancing your existing mortgage may be the right option for you. We have fast loan approvals and flexible terms. We offer a free mortgage check-up to see if a refinance would fit your life. Here are some benefits to working with us on a refinance:

• Free mortgage check-up
• Fast loan approvals
• Competitive rates and flexible terms
• Fixed, ARM, and balloon rates
• Low and no down payment options
• No prepayment penalty

Are you in the market for new construction? Are you building your dream home? We are your source for providing you with the options that fit your needs. Check the benefits of new home construction below:

• Fixed rate
• Multiple advance note up to nine months to complete project
• Monthly interest-only payments
• Low fees

If you are looking to use the equity in your home, then a home equity line of credit may be right for you. BankORION offers competitive interest rates and monthly interest-only payments. The funds can be drawn and the principal re-paid at your discretion. Some tax laws have changed. You may want to consult your tax adviser for deduction information.

BankORION offers a way to advance HELOC funds to your checking accounts. Here are the steps:

1. Log into BankORION's Online Banking or Mobile App
2. Click the 'Move Money' button
3. Fill in the fields
4. Finalize the Transfer