Start Building with Confidence at 4.99% Interest Rate*
Low 4.99% Interest Rate*
Competitive construction loan rates designed to save you money.
Streamlined Financing Process
From construction to permanent mortgage, we handle it all.
Personalized Guidance
Work with our local lending experts who care about your vision.
Byron Bank is Your Ideal Mortgage Partner
Personalized Guidance
When you discuss your mortgage needs with us, you’re not just another application – you’re a neighbor. We listen, understand, and offer the mortgage solution that fits your situation.
Direct, Human Contact
Forget call centers and automated responses. At Byron Bank, you talk directly to a local mortgage expert who is invested in your success. Our team offers the human aspect that only a community bank can provide.
Local Decision Making
We know that in today’s market, time is of the essence. That’s why our mortgage decisions are made promptly and locally. We don’t just work here; we live here too, and we understand the importance of timely decision-making.
Streamlined Application Process
We make the mortgage application process as straightforward and stress-free as possible. Our team is here to assist you at every step, ensuring you have all the information and support you need.
Local Commitment, Local Service
Unlike many institutions, our dedicated teams of processing, underwriting, closing and ongoing servicing are local, not out of state. At Byron Bank, we offer local mortgage solutions for your unique needs, bringing you closer to home.
Get Started Today with Leah Kays
With deep roots in Boone County, Leah knows her community. And, with 28 years of experience under her belt, she is a trusted ally in your mortgage journey and here to provide you with personalized service and the expertise you deserve. NMLS# 482532
Get Started Today with Dave Gatz
As a lifelong resident of Ogle County, Dave excels at helping his clients discover the best mortgage solution tailored to their needs. With his 20 plus years of expert guidance, navigating the loan process becomes a breeze, ensuring you're comfortable every step of the way. NMLS# 652536
Get Started Today with Kristie Sullivan
Kristie has been a part of the Rockford community all her life. With over 20 years experience, she has the experience and passion for helping clients achieve homeownership. Kristie is ready to lend a hand and provide expert guidance to find the perfect mortgage solution for you. NMLS# 220844
Get Started Today with Vanessa Stanton
Vanessa brings over two decades of invaluable experience in the mortgage lending and real estate landscapes. With her commitment to customer satisfaction, she'll go above and beyond to ensure that you're equipped with the best options to achieve your homeownership goals. NMLS# 1114421
Empower Your Home Ownership Experience with Us!
Be In the Know
Effortlessly monitor and manage your Byron Bank mortgage when you sign up for Online and Mobile Banking.
Enhance Your Benefits with a Byron Bank Checking Account
Open a checking account and set up hassle-free recurring payments.
Seamless Online Payments
Conveniently pay your mortgage using your existing bank’s online bill pay for one-time or routine payments.
Hammer Out Your Construction Loan with Byron Bank
The home you have always wanted is closer than you think! Partner with Byron Bank and experience a mortgage process that’s truly centered around you and your needs. At Byron Bank, when you ask, we help – it’s the Byron Bank way.
*Offer valid March 12, 2025, to August 31, 2025. Annual Percentage Rate (APR) of 8.367% is based on a $500,000 property value and a $400,000 loan amount. Some applicants may not qualify. The 4.99% Interest Rate is valid for 12 months during the construction phase. Rates and terms are subject to change without notice. Customers must refinance into permanent financing at the end of the construction period. On a $400,000 construction loan fully advanced at 4.99%, monthly interest-only payments would be $1,663.33 with a final balloon payment of $400,831.67. All loans are subject to Byron Bank credit criteria. Payments do not include taxes and insurance premiums. Other fees and restrictions may apply. Not valid with any other offers. Consult a tax advisor for possible tax deductibility of interest. Byron Bank NMLS #440162. Equal Housing Lender. Member FDIC.