
About Stephen Delagrange & Mortgage Team
I have been a dedicated mortgage loan originator with Rate since 2009, and my passion lies in simplifying the often daunting mortgage process for individuals. I thrive on working closely with borrowers, exploring their various financing options for new home purchases or refinancing existing properties, and providing tailored solutions to suit their unique circumstances. Along the way, I'm always ready to address any questions you may have.
Prior to the mortgage industry, I spent eight years as a futures trader here in Chicago. In my free time, I enjoy a variety of hobbies, including running, staying fit with CrossFit, and playing the guitar. I'm also a Chicago Blackhawks fan.
The right advice could help you find the right mortgage for you. Let's work together.
Current mortgage rates
Points:
Loan Type | Rate | APR | Points | Mo. Payment |
---|---|---|---|---|
30-year fixed | 6.600% | 6.913% | 0.952 ($3332.00) | $2235.31 |
15-year fixed | 5.750% | 6.216% | 0.853 ($2985.50) | $2906.44 |
FHA loan | 5.990% | 7.009% | 0.819 ($2500.00) | $1964.90 |
VA loans | 5.875% | 6.436% | 0.956 ($3906.22) | $2417.02 |
Jumbo loans | 6.250% | 6.516% | 0.993 ($8937.00) | $5541.45 |
* Rates current as of 3/26/2025 11:57 am, provided by Stephen Delagrange, 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 3940 North Ravenswood, Chicago IL, 60613