We offer fixed-rate home equity loans and variable rate home equity lines of credit. In addition to offering you some of the best interest rates around and low or no fees, we also provide superior service to ensure that you are completely satisfied.

Our home equity loans or lines can be used for a variety of purposes, may be tax deductible (consult your tax advisor) and provide a lower cost way to borrow for:

• Improving your home
• Purchasing a vehicle
• Affording a much needed vacation
• Paying off medical bills
• Funding education
• Consolidating debt
• Paying off a credit card balance while lowering your cost of borrowing

Products & Programs

• Fixed Rates (with flexible terms)
• Adjustable rates (with Prime Rate as index)
• 80% loan to value
• 10 year line
• You will never pay any opening fees 
• Your interest rate is set by the amount of your line, you pay interest only on the amount you borrow

Please download our Home Equity loan application form, fill it out completely and mail, fax 773-907-8184 or drop it off at the bank.  Click here to download the Home Equity application disclosure.

Please contact us if you have any questions.

Products & Programs

• Overdraft Protection Account—Allows you to cover the unexpected opportunity or the occasional overdraft
• Flexible line amounts
• Competitive fixed interest rate

Please download this loan application form, fill it out completely and mail, fax 773-907-8184 or drop it off at the bank.

Please contact us if you have any questions.

Products & Programs

• Flexible terms
• Quick turnaround
• Competitive rates
• New or used vehicles
• Loan to value up to 100%

Please download our automobile loan application form, fill it out completely and mail, fax (847) 418-2828 or drop it off at the bank.

Please contact us if you have any questions.

From lot financing to construction loans to the end mortgages, we can help you get the best interest rates in the marketplace. We also provide superior service to ensure that you are completely satisfied. Here is a summary of our Construction Financing programs:

Lot Financing Program

• 100% Financing Alternative—We will lend up to 100% of the purchase price of the lot if you provide collateral in addition to the lot itself. This allows you to keep your cash invested and working for you while the cost of credit is still a bargain.
• Standard Alternative—For those of you who prefer to invest your cash in the lot at the time of the closing, but who do not wish to pledge assets beyond the lot, we will lend you up to 75% of the purchase price of the lot at the time of closing. Contact loan officer for details on unimproved property.
• Interest Rate—Your interest rate will reflect the loan structure that you choose from the two above described options. Either way, your interest rate will be very competitive. Please see the bank for rate and disclosure information.
• Term—We will be flexible with your loan term needs.
• Principal—We will bill you at maturity for the loan's principal. You can, however, pre-pay the principal without penalty, at any time.
• Contact Loan officer for further details.

Construction Financing Program

• 100% Financing Alternative—Similar to the lot financing choice, we will finance up to 100% of your new construction cost if you pledge assets in addition to the lot/home package. This allows you to keep your cash invested and working for you while the cost to borrow money is still a good deal.
• Standard Alternative—If you elect to invest your cash in the lot at the time of the closing, but do not wish to pledge assets beyond the lot, we will lend you up to 80% of the appraised completion value of the lot/home package, or up to 85% of the total cost of your project, whichever is less.
• Interest Rate—Your interest rate will be driven by the financing option you choose. We assure you that our interest rates are   competitive. Please see the bank for rate and disclosure information.
• Fees—There will be a title company lien waiver exam fee (this protects you and us from contractor liens), an appraisal fee, and customary recording costs. Other fees may apply.
• Term—We will structure your loan term to meet the timing needs of your particular project.
• Contact a Loan officer for further details.

End Mortgage Loan

Your home is a significant investment. Mortgage choices are dizzying these days. We want you to feel comfortable with your home financing arrangement. Our end mortgage loan alternatives are designed to meet your individual financial situation. For more information contact our Residential Mortgages Lender.

Please download our construction/lot loan application form, fill it out completely and mail, fax 773-907-8184 or drop it off at the bank.

While some community banks may not be known for full service mortgage lending operations, we have it all: years of experience, hundreds of loan programs and pricing options, all coupled with the client-focused service that you have come to know from us. Our mortgage professionals have weathered the ever-changing real estate market. To compliment the basic Conventional, FHA and VA Programs, we are positioned to meet the needs of the continually evolving market demands.

Our highly skilled staff is dedicated to providing service that exceeds the expectations of the customer. By staying abreast of technological advancements, our mortgage professionals can provide low-cost products and services to our customers. As a result, you will find your experience with us surpasses that of any other lender you have dealt with in the past.

Loan Programs include:

• We Offer a Complete Line of Loan Programs for Every Buyer
• Pre-Qualifications Seven Days a Week
• Fixed and Adjustable Rate Mortgages
• Jumbo Loans
• FNMA and FHLMC Conventional Financing
• FHLMC, FHA & VA
• 2nd Mortgages and Home Equity Lines of Credit (HELOC)
• HECM or Home Equity Conversion Mortgages - “Reverse Mortgages” Available in Most States

Contact Us

If you are interested in a mortgage, please contact us at 773-907-8100. If you would like to apply online, please click here.

Mortgage Lending is provided through our affiliate Wintrust Mortgage. Wintrust Mortgage is an Equal Opportunity Employer and an Equal Housing Lender.
Wintrust Mortgage is a division of Barrington Bank & Trust, N.A., a Wintrust Community Bank.

At First Chicago Bank & Trust™, our mortgage and banking professionals are here to guide you through the refinancing process and make your experience as easy as possible.  Depending on your current mortgage or home equity situation, refinancing may be an attractive option.

By refinancing with First Chicago Bank & Trust™, you may be able to:

• Lower your current rate
• Extend repayment period
• Reduce risk
• Lower your current payment

Contact Us

By allowing First Chicago Bank & Trust™ to handle your refinancing needs, you’re placing your trust with experienced mortgage and banking teams that understand the local communities in Northbrook, Buffalo Grove, Northfield, Deerfield and Chicago and surrounding markets.

We encourage you to stop by the bank or feel free to contact us by phone at 773-907-8100  You can also fill out this online form if you have any questions.