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ABOUT DAVID

With over 20 years of experience in the mortgage industry, Illinois native David Braun has extensive knowledge of the local market and an unparalleled ability to build a mortgage solution perfect for each client’s unique needs. He has held various positions in the mortgage industry, including Mortgage Loan Originator, Sales Manager and Owner of Braun Financial. David has originated thousands of mortgages and prides himself on having a satisfied client base. He is driven to provide quality service and a positive customer experience throughout the home financing process. In his free time, David is a member of his local Realtor Association and a proud father of 2 children. With access to numerous loan programs and a willing and dedicated operations team with a wealth of experience, he looks forward to being your professional Mortgage Loan Originator for life. Call David today and let him make your home ownership dreams a reality!

 

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davidbraunjr@me.com
C: (630) 687-5800
NMLS#303007

DAVID BRAUN

Loan Consultant
NMLS#: 303007

1431 Opus Place, Suite 135
Downers Grove, IL 60515
NMLS#: 303007
Office: 630.487.4726
E-fax: 844.353.7742
Email: david.braun@caliberhomeloans.com

Collar counties

From Wikipedia, the free encyclopedia
Collar Counties
Region of Illinois
Clockwise from top left: Rialto Square Theater (Joliet), Downtown Crystal Lake, Moser Tower (Naperville), Old DuPage County Courthouse (Wheaton), Great Lakes Naval Training Station (North Chicago) and Downtown Aurora.

Clockwise from top left: Rialto Square Theater (Joliet), Downtown Crystal Lake, Moser Tower (Naperville), Old DuPage County Courthouse (Wheaton), Great Lakes Naval Training Station (North Chicago) and Downtown Aurora.
Collar Counties.png
Country  United States
State  Illinois
Counties DuPageKaneLakeMcHenryand Will.
Settled 1770s
Named for Their mutual proximity to and surrounding of Cook County.
Population (2012 Estimate)
 • Total 3,143,257
Time zone CST (UTC−06:00)
 • Summer (DST) CDT (UTC−05:00)
Area code(s) 224331630779815847

The collar counties are the five counties of Illinois that border on Chicago‘s Cook County. After Cook County, they are also the next five most populous counties in the state. The collar counties (DuPageKaneLakeMcHenry, and Will) are tied to Chicago economically, but like many other suburban areas in the United States, they have very different political leanings from the core city. Chicago has long been a Democratic stronghold, but the collar counties are known for being historically Republican strongholds, although they have recently become more politically diverse, with all of the collar counties except McHenry County voting for Hillary Clinton in the 2016 United States presidential election.

While the demographics of these suburban Chicago counties are fairly typical for American metropolitan areas, the term is apparently unique to this area.[1] Also, because Chicago is so firmly entrenched in the Democratic column, and rural Downstate is so overwhelmingly Republican, the collar counties are routinely cited as being the key to any statewide election.[2][3][4] However, that conventional wisdom was challenged by the fact that in 2010 Democrat Pat Quinn became governor while winning only Cook, St. ClairJackson and Alexander counties.[5] All five collar counties went Republican, so the key to winning that gubernatorial election was simply winning Cook County, but by a wide enough margin to overwhelm the rest of the state.[6]

While the term is often employed in political discussions, that is not its exclusive use.[7][8] Barack Obama used the term in his speech before the Democratic National Convention in 2004.

As of 2010 there are 3,143,257 people residing in the collar counties, nearly 25% of the population of Illinois.

Chicago Cook & DuPage 2,704,958 2,695,598 9,360 0.35% 227.63 11,883.13
2 Aurora Kane, DuPage, Will & Kendall 201,110 197,899 3,211 1.62% 44.94 4,475.08
3 Joliet Will & Kendall 148,262 147,433 829 0.56% 62.11 2,387.09
4 Rockford Winnebago 147,651 152,871 -5,220 -3.41% 61.08 2,417.34
5 Naperville DuPage & Will 147,122 141,853 5,269 3.71% 38.77 3,794.74
6 Springfield Sangamon 115,715 116,250 -535 -0.46% 59.48 1,945.44
7 Peoria Peoria 114,265 115,007 -742 -0.65% 48.01 2,380.02
8 Elgin Kane & Cook 112,123 108,188 3,935 3.64% 37.16 3,017.30
9 Waukegan Lake 88,182 89,078 -896 -1.01% 23.67 3,725.48
10 Champaign Champaign 86,637 81,055 5,582 6.89% 22.43 3,862.55
11 Cicero Cook 82,992 83,891 -899 -1.07% 5.86 14,162.46
12 Bloomington McLean 78,005 76,610 1,395 1.82% 27.22 2,865.72
13 Arlington Heights Cook & Lake 75,525 75,101 424 0.56% 16.61 4,546.96
14 Evanston Cook 74,895 74,486 409 0.55% 7.78 9,626.61
15 Bolingbrook Will & DuPage 74,518 73,366 1,152 1.57% 24.05 3,098.46
16 Schaumburg Cook & DuPage 74,446 74,227 219 0.30% 19.22 3,873.36
17 Decatur Macon 72,706 76,122 -3,416 -4.49% 42.22 1,722.07
18 Palatine Cook & Lake 68,766 68,557 209 0.30% 13.62 5,048.90
19 Skokie Cook 64,270 64,784 -514 -0.79% 10.06 6,388.67
20 Orland Park Cook & Will 58,862 56,767 2,095 3.69% 21.88 2,690.22
21 Des Plaines Cook 58,141 58,364 -223 -0.38% 14.28 4,071.50
22 Tinley Park Cook & Will 56,831 56,703 128 0.23% 16.02 3,547.50
23 Oak Lawn Cook 56,257 56,690 -433 -0.76% 8.59 6,549.13
24 Berwyn Cook 55,748 56,657 -909 -1.60% 3.91 14,257.80
25 Normal McLean 54,264 52,497 1,767 3.37% 18.35 2,957.17
26 Mount Prospect Cook 54,171 54,167 4 0.01% 10.34 5,238.97
27 Wheaton DuPage 53,389 52,894 495 0.94% 11.25 4,745.69
28 Oak Park Cook 51,774 51,878 -104 -0.20% 4.7 11,015.74
29 Hoffman Estates Cook & Kane 51,738 51,895 -157 -0.30% 20.8 2,487.40
30 Downers Grove DuPage 49,473 47,833 1,640 3.43% 14.31 3,457.23
31 Glenview Cook 47,475 44,692 2,783 6.23% 13.95 3,403.23
32 Elmhurst DuPage & Cook 46,387 44,121 2,266 5.14% 10.25 4,525.56
33 Lombard DuPage 43,815 43,165 650 1.51% 10.25 4,274.63
34 DeKalb DeKalb 43,194 43,862 -668 -1.52% 14.65 2,948.40
35 Plainfield Will & Kendall 42,933 39,581 3,352 8.47% 23.22 1,848.97
36 Moline Rock Island 42,250 43,483 -1,233 -2.84% 16.43 2,571.52
37 Urbana Champaign 42,014 41,250 764 1.85% 11.65 3,606.35
38 Belleville St. Clair 41,906 44,478 -2,572 -5.78% 22.74 1,842.83
39 Buffalo Grove Lake & Cook 41,346 41,496 -150 -0.36% 9.5 4,352.21
40 Bartlett DuPage, Cook & Kane 41,178 41,208 -30 -0.07% 15.63 2,634.55
41 Quincy Adams 40,531 40,633 -102 -0.25% 15.91 2,547.52
42 Crystal Lake McHenry 40,339 40,743 -404 -0.99% 18.35 2,198.31
43 Streamwood Cook 40,166 39,858 308 0.77% 7.82 5,136.32
44 Carol Stream DuPage 40,069 39,711 358 0.90% 9.09 4,408.03
45 Romeoville Will 39,706 39,680 26 0.07% 18.44 2,153.25
46 Wheeling Cook & Lake 38,315 37,648 667 1.77% 8.7 4,404.02
47 Carpentersville Kane 38,291 37,691 600 1.59% 7.9 4,846.96
48 Rock Island Rock Island 38,210 39,018 -808 -2.07% 16.85 2,267.66
49 Hanover Park Cook & DuPage 38,044 37,973 71 0.19% 6.33 6,010.11
50 Park Ridge Cook 37,496 37,480 16 0.04% 7.09 5,288.58
51 Addison DuPage 36,902 36,942 -40 -0.11% 9.77 3,777.07
52 Calumet City Cook 36,732 37,042 -310 -0.84% 7.19 5,108.76
53 Oswego Kendall 34,571 30,355 4,216 13.89% 15.53 2,226.08
54 Glendale Heights DuPage 34,145 34,208 -63 -0.18% 5.37 6,358.47
55 Woodridge DuPage, Will & Cook 33,476 32,971 505 1.53% 9.42 3,553.72
56 Northbrook Cook 33,421 33,170 251 0.76% 13.19 2,533.81
57 Pekin Tazewell & Peoria 33,038 34,094 -1,056 -3.10% 14.56 2,269.09
58 Elk Grove Village Cook & DuPage 32,931 33,127 -196 -0.59% 11.34 2,903.97
59 St. Charles Kane & DuPage 32,717 32,974 -257 -0.78% 14.61 2,239.36
60 Danville Vermilion 31,597 33,027 -1,430 -4.33% 17.89 1,766.18
61 Mundelein Lake 31,475 31,064 411 1.32% 9.57 3,288.92
62 Galesburg Knox 30,960 32,195 -1,235 -3.84% 17.75 1,744.23
63 Gurnee Lake 30,957 31,295 -338 -1.08% 13.5 2,293.11
64 Algonquin McHenry & Kane 30,947 30,046 901 3.00% 12.23 2,530.42
65 Chicago Heights Cook 30,026 30,276 -250 -0.83% 10.07 2,981.73
66 North Chicago Lake 29,951 32,574 -2,623 -8.05% 7.9 3,791.27
67 Highland Park Lake 29,641 29,763 -122 -0.41% 12.2 2,429.59
68 Niles Cook 29,617 29,803 -186 -0.62% 5.85 5,062.74
69 O’Fallon St. Clair 29,031 28,281 750 2.65% 14.35 2,023.07
70 Granite City Madison 28,908 29,849 -941 -3.15% 19.29 1,498.60
71 Burbank Cook 28,886 28,925 -39 -0.13% 4.17 6,927.10
72 Lake in the Hills McHenry 28,830 28,965 -135 -0.47% 10.38 2,777.46
73 Lansing Cook 28,086 28,331 -245 -0.86% 6.79 4,136.38
74 Glen Ellyn DuPage 28,042 27,450 592 2.16% 6.61 4,242.36
75 Oak Forest Cook 27,792 27,962 -170 -0.61% 5.95 4,670.92
76 Round Lake Beach Lake 27,776 28,175 -399 -1.42% 5.06 5,489.33
77 West Chicago DuPage 27,221 27,086 135 0.50% 14.8 1,839.26
78 Wilmette Cook 27,219 27,087 132 0.49% 5.4 5,040.56
79 East St. Louis St. Clair 26,922 27,006 -84 -0.31% 13.99 1,924.37
80 Alton Madison 26,861 27,865 -1,004 -3.60% 15.47 1,736.33
81 McHenry McHenry 26,611 26,992 -381 -1.41% 14.74 1,805.36
82 Huntley McHenry & Kane 26,611 24,291 2,320 9.55% 14.07 1,891.33
83 Kankakee Kankakee 26,445 27,537 -1,092 -3.97% 14.14 1,870.23
84 Batavia Kane & DuPage 26,391 26,045 346 1.33% 9.64 2,737.66
85 Vernon Hills Lake 26,328 25,113 1,215 4.84% 7.71 3,414.79
86 New Lenox Will 26,217 24,394 1,823 7.47% 15.66 1,674.14
87 Carbondale Jackson & Williamson 26,179 25,902 277 1.07% 17.09 1,531.83
88 Lockport Will 25,231 24,839 392 1.58% 11.4 2,213.25
89 Melrose Park Cook 25,229 25,411 -182 -0.72% 4.24 5,950.24
90 Woodstock McHenry 25,085 24,770 315 1.27% 13.55 1,851.29
91 Edwardsville Madison 25,071 24,293 778 3.20% 19.56 1,281.75
92 Belvidere Boone 25,070 25,585 -515 -2.01% 12.08 2,075.33
93 Harvey Cook 24,947 25,282 -335 -1.33% 6.3 3,959.84
94 Westmont DuPage 24,767 24,685 82 0.33% 5.03 4,923.86
95 Collinsville Madison & St. Clair 24,635 25,579 -944 -3.69% 14.68 1,678.13
96 Elmwood Park Cook 24,626 24,883 -257 -1.03% 1.91 12,893.19
97 Homer Glen Will 24,481 24,220 261 1.08% 22.17 1,104.24
98 Freeport Stephenson 24,392 25,638 -1,246 -4.86% 11.78 2,070.63
99 Zion Lake 24,029 24,413 -384 -1.57% 9.81 2,449.44
100 Rolling Meadows Cook 24,021 24,099 -78 -0.32% 5.63 4,266.61
101 Maywood Cook 23,756 24,090 -334 -1.39% 2.72 8,733.82
102 Loves Park Winnebago & Boone 23,413 23,996 -583 -2.43% 16.03 1,460.57
103 Blue Island Cook 23,401 23,706 -305 -1.29% 4.07 5,749.63
104 Morton Grove Cook 23,227 23,270 -43 -0.18% 5.09 4,563.26
105 East Peoria Tazewell 22,939 23,402 -463 -1.98% 19.96 1,149.25
106 Lisle DuPage 22,930 22,390 540 2.41% 6.84 3,352.34
107 Dolton Cook 22,891 23,153 -262 -1.13% 4.56 5,019.96
108 Machesney Park Winnebago 22,873 23,499 -626 -2.66% 12.68 1,803.86
109 Roselle DuPage & Cook 22,814 22,763 51 0.22% 5.41 4,217.01
110 South Elgin Kane 22,433 21,985 448 2.04% 6.99 3,209.30
111 Darien DuPage 22,085 22,086 -1 0.00% 6.18 3,573.62
112 Bloomingdale DuPage 22,075 22,018 57 0.26% 6.78 3,255.90
113 Villa Park DuPage 21,882 21,904 -22 -0.10% 4.71 4,645.86
114 Geneva Kane 21,880 21,495 385 1.79% 9.75 2,244.10
115 South Holland Cook 21,817 22,030 -213 -0.97% 7.27 3,000.96
116 Park Forest Cook & Will 21,785 21,975 -190 -0.86% 4.96 4,392.14
117 Crest Hill Will 21,169 20,837 332 1.59% 9.03 2,344.30
118 East Moline Rock Island 21,135 21,302 -167 -0.78% 14.76 1,431.91
119 Charleston Coles 21,133 21,838 -705 -3.23% 8.92 2,369.17
120 Grayslake Lake 20,831 20,957 -126 -0.60% 9.87 2,110.54
121 Libertyville Lake 20,405 20,315 90 0.44% 8.81 2,316.12
122 Mokena Will 20,097 18,740 1,357 7.24% 8.89 2,260.63
123 Lake Zurich Lake 19,967 19,631 336 1.71% 6.77 2,949.34
124 Evergreen Park Cook 19,637 19,852 -215 -1.08% 3.16 6,214.24
125 Montgomery Kendall & Kane 19,523 18,438 1,085 5.88% 9.34 2,090.26
126 Lake Forest Lake 19,388 19,375 13 0.07% 17.18 1,128.52
127 Homewood Cook 19,175 19,323 -148 -0.77% 5.21 3,680.42
128 Alsip Cook 19,158 19,277 -119 -0.62% 6.39 2,998.12
129 Bellwood Cook 19,107 19,071 36 0.19% 2.4 7,961.25
130 Matteson Cook & Will 19,097 19,009 88 0.46% 9.32 2,049.03
131 Deerfield Lake & Cook 19,000 18,225 775 4.25% 5.58 3,405.02
132 Frankfort Will & Cook 18,857 17,782 1,075 6.05% 14.98 1,258.81
133 Yorkville Kendall 18,833 16,921 1,912 11.30% 19.97 943.06
134 Brookfield Cook 18,753 18,978 -225 -1.19% 3.06 6,128.43
135 Jacksonville Morgan 18,729 19,446 -717 -3.69% 10.47 1,788.83
136 Bourbonnais Kankakee 18,499 18,631 -132 -0.71% 9.31 1,987.00
137 Round Lake Lake 18,375 18,289 86 0.47% 5.47 3,359.23
138 Bensenville DuPage & Cook 18,355 18,352 3 0.02% 5.57 3,295.33
139 Macomb McDonough 18,352 19,288 -936 -4.85% 10.69 1,716.74
140 Ottawa LaSalle 18,289 18,768 -479 -2.55% 12 1,524.08
141 Franklin Park Cook 18,110 18,333 -223 -1.22% 4.77 3,796.65
142 Mattoon Coles 18,028 18,555 -527 -2.84% 10.34 1,743.52
143 Sycamore DeKalb 17,867 17,519 348 1.99% 9.73 1,836.28
144 Cary McHenry 17,840 18,271 -431 -2.36% 6.27 2,845.30
145 Marion Williamson & Johnson 17,826 17,193 633 3.68% 15.99 1,114.82
146 Godfrey Madison 17,733 17,982 -249 -1.38% 34.64 511.92
147 Hinsdale DuPage & Cook 17,631 16,816 815 4.85% 4.6 3,832.83
148 North Aurora Kane 17,426 16,760 666 3.97% 7.18 2,427.02
149 Palos Hills Cook 17,410 17,484 -74 -0.42% 4.25 4,096.47
150 Shorewood Will 16,948 15,615 1,333 8.54% 7.77 2,181.21
151 Lemont Cook, DuPage & Will 16,895 16,000 895 5.59% 7.97 2,119.82
152 Washington Tazewell 16,851 15,134 1,717 11.35% 8.17 2,062.55
153 Fairview Heights St. Clair 16,686 17,078 -392 -2.30% 11.42 1,461.12
154 Country Club Hills Cook 16,637 16,541 96 0.58% 4.82 3,451.66
155 Westchester Cook 16,563 16,718 -155 -0.93% 3.69 4,488.62
156 Morton Tazewell 16,287 16,267 20 0.12% 12.95 1,257.68
157 Bridgeview Cook 16,248 16,446 -198 -1.20% 4.15 3,915.18
158 Prospect Heights Cook 16,242 16,256 -14 -0.09% 4.24 3,830.66
159 La Grange Cook 15,610 15,550 60 0.39% 2.52 6,194.44
160 Bradley Kankakee 15,471 15,895 -424 -2.67% 7.24 2,136.88
161 Mount Vernon Jefferson 15,137 15,277 -140 -0.92% 13.07 1,158.15
162 Dixon Lee 15,135 15,733 -598 -3.80% 7.43 2,037.01
163 Sterling Whiteside 14,908 15,370 -462 -3.01% 5.71 2,610.86
164 Midlothian Cook 14,699 14,819 -120 -0.81% 2.82 5,212.41
165 Norridge Cook 14,498 14,572 -74 -0.51% 1.81 8,009.94
166 Morris Grundy 14,496 13,636 860 6.31% 9.44 1,535.59
167 Lindenhurst Lake 14,372 14,462 -90 -0.62% 4.44 3,236.94
168 Antioch Lake 14,274 14,430 -156 -1.08% 8.21 1,738.61
169 Cahokia St. Clair 14,260 15,241 -981 -6.44% 9.4 1,517.02
170 Chicago Ridge Cook 14,236 14,305 -69 -0.48% 2.25 6,327.11
171 Canton Fulton 14,094 14,704 -610 -4.15% 7.9 1,784.05
172 Hickory Hills Cook 13,992 14,049 -57 -0.41% 2.83 4,944.17
173 Forest Park Cook 13,982 14,167 -185 -1.31% 2.4 5,825.83
174 Lincoln Logan 13,969 14,504 -535 -3.69% 6.4 2,182.66
175 Beach Park Lake 13,913 13,638 275 2.02% 7.1 1,959.58
176 Hazel Crest Cook 13,892 14,100 -208 -1.48% 3.39 4,097.94
177 Wood Dale DuPage 13,813 13,770 43 0.31% 4.72 2,926.48
178 Wauconda Lake 13,758 13,603 155 1.14% 5.05 2,724.36
179 Richton Park Cook 13,557 13,646 -89 -0.65% 3.98 3,406.28
180 Swansea St. Clair 13,500 13,430 70 0.52% 6.26 2,156.55
181 La Grange Park Cook 13,483 13,579 -96 -0.71% 2.23 6,046.19
182 Riverdale Cook 13,398 13,549 -151 -1.11% 3.57 3,752.94
183 Western Springs Cook 13,391 12,975 416 3.21% 2.79 4,799.64
184 Warrenville DuPage 13,246 13,140 106 0.81% 5.46 2,426.01
185 Streator LaSalle & Livingston 13,148 13,710 -562 -4.10% 6.07 2,166.06
186 Shiloh St. Clair 13,011 12,651 360 2.85% 10.86 1,198.07
187 Glen Carbon Madison 12,978 12,934 44 0.34% 10.04 1,292.63
188 Herrin Williamson 12,950 12,501 449 3.59% 9.23 1,403.03
189 Justice Cook 12,844 12,926 -82 -0.63% 2.84 4,522.54
190 Rantoul Champaign 12,815 12,941 -126 -0.97% 8.15 1,572.39
191 Effingham Effingham 12,655 12,328 327 2.65% 9.86 1,283.47
192 Channahon Will & Grundy 12,600 12,560 40 0.32% 14.99 840.56
193 Centralia Marion, Clinton, Washiongton & Jefferson 12,572 13,032 -460 -3.53% 8.19 1,535.04
194 Markham Cook 12,565 12,508 57 0.46% 5.31 2,366.29
195 Lincolnwood Cook 12,527 12,590 -63 -0.50% 2.69 4,656.88
196 Kewanee Henry 12,458 12,916 -458 -3.55% 6.71 1,856.63
197 Chatham Sangamon 12,453 11,500 953 8.29% 5.72 2,177.10
198 Palos Heights Cook 12,438 12,515 -77 -0.62% 3.78 3,290.48
199 Winnetka Cook 12,417 12,187 230 1.89% 3.81 3,259.06
200 Northlake Cook 12,391 12,323 68 0.55% 3.17 3,908.83
201 Pontiac Livingston 11,827 11,931 -104 -0.87% 7.73 1,530.01
202 Schiller Park Cook 11,692 11,793 -101 -0.86% 2.77 4,220.94
203 Plano Kendall 11,358 10,856 502 4.62% 7.46 1,522.52
204 Summit Cook 11,314 11,054 260 2.35% 2.12 5,336.79
205 Campton Hills Kane 11,310 11,131 179 1.61% 16.91 668.84
206 Minooka Grundy, Will & Kendall 11,254 10,924 330 3.02% 9.45 1,190.90
207 River Forest Cook 11,088 11,172 -84 -0.75% 2.48 4,470.97
208 Crestwood Cook 10,891 10,950 -59 -0.54% 3.05 3,570.82
209 Burr Ridge DuPage & Cook 10,780 10,559 221 2.09% 7 1,540.00
210 Taylorville Christian 10,752 11,246 -494 -4.39% 9.86 1,090.47
211 Worth Cook 10,681 10,789 -108 -1.00% 2.37 4,506.75
212 Lyons Cook 10,621 10,729 -108 -1.01% 2.18 4,872.02
213 Roscoe Winnebago 10,521 10,785 -264 -2.45% 10.36 1,015.54
214 Fox Lake Lake & McHenry 10,459 10,579 -120 -1.13% 8.12 1,288.05
215 Sauk Village Cook & Will 10,438 10,506 -68 -0.65% 3.88 2,690.21
216 Barrington Cook & Lake 10,312 10,327 -15 -0.15% 4.62 2,232.03
217 Waterloo Monroe 10,309 9,811 498 5.08% 7.52 1,370.88
218 Columbia Monroe & St. Clair 10,273 9,707 566 5.83% 10.41 986.84
219 Wood River Madison 10,251 10,657 -406 -3.81% 6.98 1,468.62
220 River Grove Cook 10,134 10,227 -93 -0.91% 2.39 4,240.17
221 Troy Madison 10,093 9,888 205 2.07% 5.29 1,907.94
Gages Lake CDP Lake 10,025 10,198 -173 -1.70% 2.99 3,352.84
222 Peru LaSalle 9,893 10,295 -402 -3.90% 8.96 1,104.13
223 Highland Madison 9,830 9,919 -89 -0.90% 6.55 1,500.76
224 Winfield DuPage 9,637 9,080 557 6.13% 2.99 3,223.08
225 Sugar Grove Kane 9,573 8,997 576 6.40% 10.47 914.33
226 Steger Will & Cook 9,456 9,570 -114 -1.19% 3.45 2,740.87
227 Flossmoor Cook 9,362 9,464 -102 -1.08% 3.66 2,557.92
228 Bethalto Madison 9,328 9,521 -193 -2.03% 7.52 1,240.43
Frankfort Square CDP  Will 9,258 9,276 -18 -0.19% 2.53 3,659.29
229 Rochelle Ogle & Lee 9,227 9,574 -347 -3.62% 12.9 715.27
230 Monmouth Warren 9,210 9,444 -234 -2.48% 4.21 2,187.65
231 LaSalle LaSalle 9,203 9,609 -406 -4.23% 11.76 782.57
232 Lynwood Cook 9,159 9,007 152 1.69% 5.47 1,674.41
233 Harvard McHenry 9,119 9,447 -328 -3.47% 8.58 1,062.82
234 Rock Falls Whiteside 8,993 9,266 -273 -2.95% 3.66 2,457.10
235 Manteno Kankakee 8,969 9,204 -235 -2.55% 4.98 1,801.00
236 Olney Richland 8,955 9,115 -160 -1.76% 6.66 1,344.59
237 Glenwood Cook 8,911 8,969 -58 -0.65% 3.12 2,856.09
238 Glencoe Cook 8,894 8,723 171 1.96% 3.72 2,390.86
239 Harrisburg Saline 8,811 9,017 -206 -2.28% 6.55 1,345.19
240 Lake Villa Lake 8,783 8,741 42 0.48% 6.19 1,418.90
241 Riverside Cook 8,748 8,875 -127 -1.43% 1.98 4,418.18
242 Itasca DuPage 8,728 8,649 79 0.91% 4.95 1,763.23
243 Clarendon Hills DuPage 8,653 8,427 226 2.68% 1.8 4,807.22
Boulder Hill CDP Kendall 8,584 8,108 476 5.87% 1.44 5,961.11
244 Chester Randolph 8,562 8,586 -24 -0.28% 5.81 1,473.67
245 Harwood Heights Cook 8,549 8,612 -63 -0.73% 0.82 10,425.61
246 Willowbrook DuPage 8,543 8,540 3 0.04% 2.69 3,175.84
247 Paris Edgar 8,418 8,837 -419 -4.74% 5.51 1,527.77
248 Jerseyville Jersey 8,336 8,465 -129 -1.52% 5.08 1,640.94
249 Mahomet Champaign 8,287 7,258 1,029 14.18% 9.02 918.74
250 Savoy Champaign 8,177 7,280 897 12.32% 3.2 2,555.31
251 Crete Will & Cook 8,171 8,259 -88 -1.07% 9.61 850.26
252 Hawthorn Woods Lake 8,164 7,663 501 6.54% 7.71 1,058.88
253 Long Grove Lake 8,147 8,043 104 1.29% 12.48 652.8
254 Hillside Cook 8,081 8,157 -76 -0.93% 3.18 2,541.19
255 Island Lake McHenry & Lake 8,077 8,080 -3 -0.04% 3.39 2,382.60
256 Oak Brook DuPage & Cook 8,070 7,883 187 2.37% 7.95 1,015.09
257 West Frankfort Franklin 8,001 8,182 -181 -2.21% 4.97 1,609.86
258 Mascoutah St. Clair 7,963 7,483 480 6.41% 9.5 838.21
259 Maryville Madison 7,904 7,487 417 5.57% 5.34 1,480.15
260 Broadview Cook 7,823 7,932 -109 -1.37% 1.78 4,394.94
261 Calumet Park Cook 7,787 7,835 -48 -0.61% 1.11 7,015.32
262 Gilberts Kane 7,724 6,879 845 12.28% 5.55 1,391.71
263 Murphysboro Jackson 7,685 7,970 -285 -3.58% 5.15 1,492.23
264 South Beloit Winnebago 7,652 7,892 -240 -3.04% 5.9 1,296.95
265 Princeton Bureau 7,599 7,660 -61 -0.80% 7.48 1,015.91
266 Robinson Crawford 7,596 7,713 -117 -1.52% 4.74 1,602.53
267 Silvis Rock Island 7,586 7,479 107 1.43% 4.16 1,823.56
268 Manhattan Will 7,546 7,051 495 7.02% 6.57 1,148.55
269 Inverness Cook 7,541 7,399 142 1.92% 6.54 1,153.06
270 Round Lake Park Lake 7,519 7,505 14 0.19% 2.08 3,614.90
271 Rockton Winnebago 7,499 7,685 -186 -2.42% 5.5 1,363.45
272 Marengo McHenry 7,445 7,648 -203 -2.65% 5.01 1,486.03
273 West Dundee Kane 7,361 7,331 30 0.41% 3.71 1,984.10
274 Sandwich DeKalb & Kendall 7,358 7,421 -63 -0.85% 4.69 1,568.87
275 Park City Lake 7,350 7,570 -220 -2.91% 1.19 6,176.47
276 Lincolnshire Lake 7,262 7,275 -13 -0.18% 4.58 1,585.59
277 Salem Marion 7,241 7,485 -244 -3.26% 6.94 1,043.37
278 Orland Hills Cook 7,184 7,149 35 0.49% 1.14 6,301.75
279 Mendota LaSalle 7,158 7,372 -214 -2.90% 5 1,431.60
280 Clinton De Witt 7,147 7,225 -78 -1.08% 3.38 2,114.50
281 Vandalia Fayette 7,054 7,042 12 0.17% 8.1 870.86
282 University Park Will & Cook 7,052 7,129 -77 -1.08% 10.84 650.55
283 Mount Carmel Wabash 6,993 7,284 -291 -4.00% 4.85 1,441.86
284 Benton Franklin 6,990 7,087 -97 -1.37% 5.48 1,275.55
285 Litchfield Montgomery 6,812 6,939 -127 -1.83% 6.45 1,056.12
286 Winthrop Harbor Lake 6,794 6,742 52 0.77% 4.67 1,454.82
287 Greenville Bond 6,758 7,000 -242 -3.46% 6.19 1,091.76
288 Stickney Cook 6,722 6,786 -64 -0.94% 1.93 3,482.90
289 North Riverside Cook 6,598 6,672 -74 -1.11% 1.64 4,023.17
290 Geneseo Henry 6,526 6,586 -60 -0.91% 4.39 1,486.56
291 Bartonville Peoria 6,332 6,471 -139 -2.15% 8.19 773.14
292 Metropolis Massac 6,283 6,537 -254 -3.89% 5.87 1,070.36
293 Johnsburg McHenry 6,264 6,337 -73 -1.15% 7.08 884.75
294 Hampshire Kane 6,247 5,563 684 12.30% 8.95 697.99
295 Chillicothe Peoria 6,206 6,097 109 1.79% 5.13 1,209.75
296 Braidwood Will 6,157 6,191 -34 -0.55% 4.58 1,344.32
297 East Alton Madison 6,141 6,301 -160 -2.54% 5.33 1,152.16
298 Hillsboro Montgomery 6,071 6,207 -136 -2.19% 6.55 926.87
299 Lakemoor Lake & McHenry 5,982 6,017 -35 -0.58% 5.01 1,194.01
300 Countryside Cook 5,947 5,895 52 0.88% 2.88 2,064.93
301 Peoria Heights Peoria, Woodford & Tazewell 5,936 6,156 -220 -3.57% 2.65 2,240.00
302 Posen Cook 5,929 5,987 -58 -0.97% 1.17 5,067.52
303 Mount Zion Macon 5,855 5,833 22 0.38% 4.2 1,394.05
304 Du Quoin Perry 5,849 6,109 -260 -4.26% 6.98 837.97
305 Carterville Williamson 5,843 5,496 347 6.31% 5.19 1,125.82
Grandwood Park CDP Lake 5,757 5,202 555 10.67% 1.55 3,714.19
306 Elburn Kane 5,757 5,602 155 2.77% 3.13 1,839.30
307 Wilmington Greene 5,691 5,724 -33 -0.58% 0.79 7,203.80
308 Spring Grove McHenry 5,674 5,778 -104 -1.80% 8.68 653.69
309 Lake Bluff Lake 5,672 5,722 -50 -0.87% 4.05 1,400.49
310 Beardstown Cass 5,656 6,123 -467 -7.63% 3.57 1,584.31
311 Willow Springs Cook & DuPage 5,648 5,524 124 2.24% 4.01 1,408.48
312 Carlinville Macoupin 5,632 5,917 -285 -4.82% 2.99 1,883.61
313 Pontoon Beach Madison 5,609 5,836 -227 -3.89% 10.02 559.78
314 Monticello Piatt 5,585 5,548 37 0.67% 3.8 1,469.74
315 Pana Christian & Shelby 5,565 5,847 -282 -4.82% 3.84 1,449.22
316 Robbins Cook 5,460 5,337 123 2.30% 1.45 3,765.52
317 Northfield Cook 5,456 5,420 36 0.66% 3.21 1,699.69
318 Coal City Grundy & Will 5,434 5,587 -153 -2.74% 4.9 1,108.98
319 Pinckneyville Perry 5,404 5,648 -244 -4.32% 4.04 1,337.62
320 Eureka Woodford 5,383 5,295 88 1.66% 3.02 1,782.45
321 Highwood Lake 5,324 5,405 -81 -1.50% 0.71 7,498.59
322 Spring Valley Bureau 5,262 5,558 -296 -5.33% 7.37 713.98
323 Creve Coeur Tazewell 5,230 5,451 -221 -4.05% 4.31 1,213.46
324 Genoa DeKalb 5,194 5,193 1 0.02% 2.6 1,997.69
325 Berkeley Cook 5,148 5,209 -61 -1.17% 1.4 3,677.14
326 Hoopeston Vermilion 5,140 5,351 -211 -3.94% 3.69 1,392.95
327 Carmi White 5,105 5,240 -135 -2.58% 2.5 2,042.00
328 Colona Henry 5,086 5,099 -13 -0.25% 4.02 1,265.17
329 Monee Will 5,077 5,148 -71 -1.38% 4.42 1,148.64
330 Poplar Grove Boone 5,054 5,023 31 0.62% 8.03 629.39
331 Staunton Macoupin 5,044 5,139 -95 -1.85% 3.06 1,648.37
332 Milan Rock Island 5,038 5,099 -61 -1.20% 5.87 858.26
333 Centreville St. Clair 5,035 5,309 -274 -5.16% 4.23 1,190.31
334 Fairfield Wayne 5,024 5,154 -130 -2.52% 4.02 1,249.75
335 Watseka Iroquois 5,007 5,255 -248 -4.72% 3.05 1,641.64

Annual Estimates of the Resident Population: April 1, 2010 to July 1, 2016

Mortgage Rates (630) 687-5800


Mortgage Rates Hold Recent Lows

Dec 15 2017, 3:34PM

Mortgage rates moved slightly lower today, despite movement in bond markets that would have suggested otherwise.  The paradoxical strength is likely due to the fact that bonds improved faster yesterday without mortgage lenders adjusting rate sheets accordingly.  In other words, we began the day with an advantage thanks to lenders being overly cautious yesterday.  From here we could even see a few lenders adjust rate sheets for the better as bonds have managed to find their footing at the end of the day.

To put this talk of “improved rates” in context, many prospective borrowers would not see any differencebetween today’s loan quotes and yesterday’s.  Some lenders didn’t make any changes.  Others merely offered modest reductions in upfront costs.  It’s only when we look at the average lender and consider those upfront costs to be part of the “effective rate” that we can say mortgage rates are lower today.  For anyone looking longer-term and bigger-picture, rates have been effectively sideways for nearly 3 months.
Loan Originator Perspective

Bond and equity markets continued their waiting games today as tax reform details trickled out.  Although MBS sold off this morning, my pricing was actually slightly better than yesterday’s.  At any rate (pun intended), I’ll keep locking early for now, at least on loans within 30 days of closing.  Happy weekend, all. -Ted Rood, Senior Originator
Today’s Most Prevalent Rates

  • 30YR FIXED – 4.0%
  • FHA/VA – 3.75%
  • 15 YEAR FIXED – 3.375%
  • 5 YEAR ARMS –  2.75 – 3.25% depending on the lender


Ongoing Lock/Float Considerations

  • 2017 had proven to be a relatively good year for mortgage rates despite widespread expectations for a stronger push higher after the presidential election in late 2016.
  • While rates remain low in absolute terms, they’ve moved higher in a more threatening way heading into the 4th quarter, relative to the stability and improvement seen earlier in 2017
  • The default stance for now is that this trend toward higher rates has the potential to continue.  It will take more than a few great days here and there for that outlook to change.
  • For weeks, this bullet point had warned about recent stability inviting a bigger dose of volatility.  That volatility is now here.  As such, locking is generally the better choice until the volatility is clearly dying down.
  • Rates discussed refer to the most frequently-quoted, conforming, conventional 30yr fixed rate for top tier borrowers among average to well-priced lenders.  The rates generally assume little-to-no origination or discount except as noted when applicable.  Rates appearing on this page are “effective rates” that take day-to-day changes in upfront costs into consideration.

 

 

 

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