Home Purchase Loans

Buy your next home with confidence. Home Mortgage Specialists, Inc. offers Conventional, FHA, VA, and Jumbo purchase loans with competitive wholesale rates. Call 309-222-8286 for a free consultation.

Purchase Loan Options

Conventional Loans — Ideal for buyers with good credit and 3–20% down.
FHA Loans — Low down payments (3.5%) for first-time and repeat buyers.
VA Loans — No down payment for eligible veterans and active-duty service members.
Jumbo Loans — Financing above conforming loan limits for higher-priced homes.
USDA Loans — Zero down payment for eligible rural and suburban properties.

Ready to Buy a Home?

Our loan officers will help you compare options across 15+ wholesale lenders to find the best rate and program for your situation. Apply online or contact us to get started.