Welcome to Motto Mortgage Specialty, proudly serving the Prairie State. Whether you're buying a condo in Chicago, refinancing in Elgin, or purchasing a home in Springfield, our Illinois-licensed team is here to help you secure the right loan with confidence.

The Motto Mortgage network backs us, but our Illinois team is focused on you. Whether you're buying, refinancing, or just exploring options, we’re here to help.

Why Choose Us in Illinois?

• Licensed in Illinois – Fully compliant with state and federal regulations.
• Local Market Knowledge –  We understand Illinois property taxes, housing trends, and lending laws  .
• Tailored Service –  We match you with the best loan for your budget and goals  .

Popular Loan Programs in ILlinois

• Conventional Loans
• FHA Loans
• VA Loans
• Jumbo Loans
• First Time Home Buyers
• DSCR Loans 
• Refinancing Options

Illinois Housing Market SnapShot

Home Prices and Growth Trends

• Median Home Price: $317,300 (Aug 2025), up 5.5% year-over-year
• Sales Volume: 12,957 homes sold in August, down 3.4% Year over Year
• Inventory: 47,910 homes for sale, up 1.0% Year over Year
• Days on Market: 45 days average
• Homes Sold Above List Price: 37.9%, indicating moderate competition
• Prices expected to stabilize or slightly decline in many regions by mid-2026
• Chicago is projected to see a 1.1% drop in home values by May 2026
• Fastest Growing Cities:  Cahokia Heights: +92.5%, Danville: +79.2%, Oak Park: +61.7%, Fairview Heights: +44.3%
• Top Cities We Serve: Chicago and its Suburbs

Property Taxes

• Property Tax Rate: ~2.1%

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