About Linda DeRoeck
Growing up on the Northside of Chicago, I watched my mother work as a realtor and lead a successful career. This is when I found my love for Chicago and the surrounding suburbs.
I have been in the mortgage industry for over 25 years. I entered after graduating from college with a degree in business. I reside in the City of Park Ridge with my husband. I enjoy the sunshine, and everything related to the great outdoors. I am a "people-person" and enjoy helping clients obtain their dream of homeownership. I enjoy working with everyone, especially first-time homebuyers as they remind me of my two adult children.
I have been employed with Rate for the last 11 years and can honestly say it is the best mortgage company in the industry. The last 11 years have been most fulfilling, reaching President's Club in 2020 and 2021. This achievement is due in large to my loyal clients, realtors, other referral partners and my amazing, knowledgeable team. My business is divided between Conventional, Jumbo, FHA, and VA financing. Patience, knowledge and integrity are my key assets. I spend as much time as needed to make certain my clients are comfortable and well informed. I am extremely transparent and available days, nights and weekends. Whether it be a purchase or refinance of an owner occupied, investment or second home property, my goal is an enjoyable and smooth transaction for all.
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.490% | 6.703% | 0.749 ($2621.50) | $2209.94 |
| 15-year fixed | 5.375% | 5.821% | 0.906 ($3171.00) | $2836.63 |
| FHA loan | 5.990% | 6.972% | 0.75 ($2289.38) | $1964.90 |
| VA loans | 5.750% | 6.220% | 0.76 ($3105.36) | $2384.48 |
| Jumbo loans | 5.990% | 6.195% | 0.831 ($7479.00) | $5390.17 |
* Rates current as of 4/5/2025 09:23 pm, provided by Linda DeRoeck, for Cook County, IL, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 506 W. Higgins, Park Ridge IL, 60068