Home Loans Made Simple.
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Is buying, refinancing or renovating a home in your future? Let me help you achieve your homeownership goals through our simple and low hassle home loan process. I’ll be by your side delivering personalized service, professional guidance and timely results on the way to your ideal home loan.
Fall Savings Buydown

Lock In Lower Payments This Fall

For a limited time, get lower mortgage payments thanks to Fall Savings Buydown program,3 PrimeLending’s 1-0 temporary buydown which effectively lowers the interest rate on the first year of your FHA, VA or USDA loan. Contact me today and mention promo code FALL SAVINGS to get all the details.

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highlights
  • 400+ Home Loan Products to meet all your home financing goals
  • Local Market Expertise
  • Personalized Service
  • 1Day AdvantEDGE 1
  • Unique Buyers AdvantEDGE program 2
Highlights
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Why PrimeLending?

When you choose PrimeLending, you'll discover a home financing experience that's simple, transparent, and uniquely yours. For more than 35 years, we’ve been helping countless customers all across the country confidently navigate their home financing journey. You can count on our experienced team of mortgage experts to understand today's housing market and reliably provide quick answers, clear updates, and personalized service. For us, it really is about Home Loans Made Simple®. That's the PrimeLending promise to you.

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5-star Reviews From People Just Like You

Patient, Prompt, Professional, and Peaceful! Tom Roth did an outstanding job with our home purchase in July 2016. Very knowledgeable about mortgage and lending, Tom was patient in answering all of our questions. He responded promptly to emails with clear answers/solutions. Consummate professional- he matched the numbers (interest rate) being offered by Big Banks and kept our Closing costs low. Finally, the whole process was peaceful as opposed to being stressful- due in large part to Tom's calm demeanor. My wife and I strongly recommend that you pick Tom Roth as your lender.

Prabu R.

Urbana, IL

Lender was fantastic Lender was Fantastic! Tom was very informative and helpful in helping us with the purchase of our home. He explained everything in detail and what would be happening during the process. We would recommend using him, and his office for everyone buying a home.

Kate B.

Tuscola, IL

I have worked with Tom and his staff on 2 home loans now and I cannot say enough great things about my experience with him and Prime lending. Tom was very helpful, hands on and guided us through the entire process both times. He and his assistant Emily were very prompt with responding to my questions and keeping me abreast of any informational changes or delays and explained the reasons thoroughly and in terms I would understand. I have worked with other lenders in the past and none have been as professional and attentive to my family's needs.

Heather D.

Champaign, IL

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Our mortgage process

  • STEP 1: Gather Financials
  • STEP 2: Appraisal, Title Search and Inspection
  • STEP 3: Underwriting
  • STEP 4: Closing on the Loan
  • STEP 5: Settle In and Relax

Discover Our Process

Which type of loan is right for you?

Let's discuss your options,
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1Restrictions apply. All loans subject to credit approval. Borrower may not own other real estate or rely on self-employment to qualify (W-2 or verified fixed income only). Limited to conventional/conforming loan for purchase of primary residence with a 20% down payment. Must submit application and required documentation via online application portal and integrated resources  and receive approve/eligible or accept from automated underwriting system. Refinance, investment, VA, FHA, USDA, jumbo, bond, down payment assistance programs, renovation, construction, and brokered out loans are not eligible. Will be subject to property meeting investor requirements. Eligible applications submitted after 1pm local time or on a weekend or company holiday  will be deemed submitted the next business day. Unforeseen circumstances excuses lender’s performance. Effective for applications after 11/3/23. Rates, fees, and offer terms subject to change. See https://www.primelending.com/legal-disclosures/1day-advantedge-terms-and-conditions for full details.

2Approval means an Underwriter has reviewed your application and has verified all necessary forms of income, assets, and credit. All loans subject to final credit approval and acceptable property. Conditions and restrictions may apply.

3Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year.  Must apply for and lock loan through PrimeLending between 10/15/24 and 11/30/24. Loan must close by 02/28/25. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans. Excludes bond, broker, conventional products, high balance, jumbo products, portfolio products, construction loans, and refinances. Offer can be paired with PrimeLending VA No Lender Fees promotion; all other promotions are excluded. Certain loan programs do not allow buydowns. Additional restrictions may apply, contact a PrimeLending loan officer for details. Subject to credit approval.