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09/25/2025

Golden Handcuffs in Illinois: How Low-Rate Mortgages Are Locking Sellers In

The Illinois Real Estate Dilemma In today’s housing market, many Illinois homeowners feel stuck. They’re holding onto ultra-low mortgage rates from just a few years ago—but now, those low rates are keeping them from selling and moving on. This trend, often referred to as “golden handcuffs,” is limiting inventory and reshaping the way buyers and […]

Alex Moore

6 min read

09/18/2025

Fixed vs ARM Mortgages in Illinois: Which Is Right Now?

What Is a Fixed-Rate Mortgage? Choosing between a fixed-rate and adjustable-rate mortgage (ARM) can feel overwhelming, especially in today’s unpredictable market. For Illinois homebuyers, the decision has become more important than ever. LBC Capital helps clients across the state navigate these choices with expert guidance and tailored loan solutions that fit their goals, budgets, and […]

Alex Moore

6 min read

09/11/2025

Refinancing in Illinois: How Homeowners Can Save Big as Rates Dip

Current Mortgage Rate Trends in Illinois When mortgage rates fall, it opens a valuable window for homeowners to reduce costs, improve terms, and strengthen financial stability. In Illinois, recent rate trends and local home equity appreciation mean many homeowners now have an opportunity to refinance and save. LBC Capital helps Illinois homeowners take full advantage […]

Alex Moore

6 min read

09/04/2025

Illinois Launches $46M Downpayment Plus Grant Program for 2025 – Your Chance to Apply Now

What Is the Downpayment Plus Grant Program? Homebuyers in Illinois have a major opportunity heading into 2025. The Federal Home Loan Bank of Chicago (FHLBank Chicago) has opened up its latest round of homeownership assistance through the Downpayment Plus (DPP) and Downpayment Plus Advantage (DPP Advantage) programs. A total of $46 million in forgivable grant […]

Alex Moore

6 min read

08/28/2025

Workforce Housing Grants in Illinois: New Opportunities for Smart Mortgage Investments

Understanding Workforce Housing in Illinois Workforce housing refers to homes that are affordable for moderate-income workers—those who earn too much to qualify for low-income programs but still struggle to afford market-rate housing. This includes professionals like nurses, first responders, teachers, and service industry employees. These are the people who keep communities running, yet often can’t […]

Alex Moore

6 min read

08/21/2025

Missed Tax Exemptions Can Skyrocket Your Mortgage—Here’s How to Avoid It in Illinois

How Property Tax Exemptions Affect Your Mortgage When you miss claiming key property tax exemptions in Illinois, your mortgage payment can increase unexpectedly. These overlooked exemptions often cause your lender to adjust your escrow, which in turn raises your monthly bill. At LBC Capital, we help clients understand and apply for the exemptions that keep […]

Fast and flexible financing for your real estate investment projects in Illinios

Explore agile and flexible financing solutions tailored for your Illinios real estate endeavors with LBC Capital. Our comprehensive range of hard money loans, backed by property, includes options like fix and flip loans, bridge loans, and construction loans. Our dedicated team of experts will carefully evaluate your needs and expertly navigate you through the entire loan process. Enhance your real estate journey by contacting us today and opening the door to personalized financial success.

Latest news

Golden Handcuffs in Illinois: How Low-Rate Mortgages Are Locking Sellers In

Fixed vs ARM Mortgages in Illinois: Which Is Right Now?

Refinancing in Illinois: How Homeowners Can Save Big as Rates Dip

Illinois Launches $46M Downpayment Plus Grant Program for 2025 – Your Chance to Apply Now

Workforce Housing Grants in Illinois: New Opportunities for Smart Mortgage Investments

Missed Tax Exemptions Can Skyrocket Your Mortgage—Here’s How to Avoid It in Illinois

Fast and flexible financing for your real estate investment projects in Illinios

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