By Jimmy White August 27, 2026
What Credit Score Do I Need to Buy a House in Will County in 2026? Quick answer: In Will County, most first-time buyers need at least a 580 credit score to qualify for an FHA loan — but if you want Illinois' IHDA down payment assistance stacked on top, that number jumps to 640.  Written by Jimmy White, Mortgage Loan Officer, NMLS #1363362 — LeaderOne Financial, serving Will County homebuyers for over 11 years.

REFINANCE

Lower your rate and monthly payment right NOW!

Congratulations! You're ready to refinance your home loan

Why Refinance?

Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.


Home Refinance Loans without the Hassle!

Need refinancing options on a home, or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.

The Home Refinance Process

Here’s how our home refinance process works:

  • Complete our simple home refinance analysis request.
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs