Home Mortgage Loans

Start relaxing before you even move in. NorStates has partnered with HomeBridge Financial Services, Inc. to offer you low rates, flexible terms, and the personal service you know and trust. Whether you’re a first-time homebuyer or a current homeowner looking to refinance, we’ll work with you to find the best home mortgage loan for your budget.

  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Conventional
    • Adjustable rate mortgages (ARMs)
    • USDA Rural Housing Loans
    • FHA Loans
    • VA Loans
    • Second Home or Investment Properties
    • Jumbo or Super Jumbo
    • Reverse Mortgage
  • Additional niche programs available, including Energy Efficient Mortgages — contact us to learn more
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

Our Trusted Partner

HomeBridge Financial Services, Inc. is a leader in home mortgages, which are our only focus. Our team's experience and expertise enable us to make the mortgage process quick, convenient, and easy to understand. Our uncompromising integrity has helped us exceed expectations in all that we do, including giving you an honest and fast response. We’re also known for our Customer Commitment, our dedication to delivering a positive experience instead of merely completing a transaction.

HomeBridge Financial Services, Inc. is located at 15 West Jefferson Avenue, 2nd Floor, Naperville, IL 60540. Corporate NMLS #6521. Illinois Residential Mortgage License MB.6760732.


David O'Connor
Mortgage Loan Originator
NMLS #216682

NorStates Bank
NMLS# 409347 

James Gitzlaff
Vice President
NMLS# 941502

Kimberly Belue
NMLS# 441333

Construction Loans

Building your home from the ground up is a whole lot easier when you have local experts right around the corner. Go from construction zone to dream home with the help of NorStates Bank.

  • Competitively low rates for your home construction project
  • Available for primary residence or second home construction
  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
  • Pay off interest quicker; payments are interest-only during construction phase
  • Payments are made on the amount drawn on your loan sufficient to pay your builder
  • Construction draws applied in stages based on work completed

You’re so close — start the application process!