About Tony Piotrowski
After 19 yrs of working in the mortgage industry, one thing has always remained the same for me. Take care of the people who take care of you. This simply philosophy has guided my business and has provide a solid foundation on which it has grown. The advice my clients receive during a consultation is the same advice I would follow myself under the same circumstances. 1st time buyers have always been the primary source of building my business and are a chance for me to draw on my experience for the benefit of my clients. As we get older we share many of the same concerns. Whether it is college for our children, caring for an elderly family member or planning for retirement we are here to help. At Rate I now am able to provide reverse mortgages for those in need. We have other programs that will allow you to take advantage of a down real estate market to purchase your first investment property. Your equity in your home can be used to restructure your obligations for a more positive cash flow in retirement. Everyone’s situation is different. We will work together to find the right mortgage for your particular needs. If you or anyone you know is in need of any mortgage assistance rest assured I will provide the highest level of service possible. My business is entirely referral based and a referral to a friend or family member is the greatest compliment I can receive. Your trust and confidence is greatly appreciated. Thank you for keeping me in mind when someone you know is in need of mortgage financing assistance.
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.
We can make it happen!
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.990% | 7.218% | 0.586 ($2051.00) | $2326.21 |
| 15-year fixed | 5.875% | 6.296% | 0.875 ($3062.50) | $2929.91 |
| FHA loan | 6.250% | 7.251% | 0.884 ($2698.41) | $2016.25 |
| VA loans | 6.250% | 6.752% | 0.72 ($2941.92) | $2515.82 |
| Jumbo loans | 6.450% | 6.715% | 0.963 ($8667.00) | $5659.05 |
* Rates current as of 4/15/2025 12:15 am, provided by Tony Piotrowski, 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 1900 E. Golf Road, Suite L20 Schaumburg IL, 60173