Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (2022)

Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (1)

Jarrod Justice

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Connect with Jarrod

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (2)jarrod.justice@usbank.com
  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (3)618.993.6269
  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (4)618.357.1969
  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (5)

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

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About me

No matter where you are in the home buying process, I can help.

  • As a mortgage loan officer right here in Marion, I work with you to help you find the right mortgage for your unique situation.
  • You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Marion with home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 618.993.6269.

Connect with Jarrod

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (6)jarrod.justice@usbank.com
  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (7)

    618.993.6269

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (8)

    618.357.1969

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (9)

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

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Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (10)

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Refinance rates

Compare rates for a variety of home refinancing options.

See refinance rates Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (11)

Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (12)

Mortgage calculator

Estimate your total monthly mortgage payment.

Run the numbers Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (13)

Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (14)

Reviews

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Read my reviews Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (15)

Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (16)

Mortgage FAQs

Get answers to common home-buying questions.

Commonly asked questions Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (17)

Resources for builders and realtors

You need a lender that cares about your clients as much as you do.

Builder resource center Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (18) Real estate agent resource center Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (19)

The rates below assume a few basic things:

  • You have very good credit (a FICO credit score of 740+)
  • Your loan is for a single-family home as your primary residence

Rates are current as of

See rates for other states.

Compare current refinance rates.

Conventional fixed-rate refinance loans

Term Rate APR
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Adjustable rate refinance loans

Term Rate APR
10-year ARM
5-year ARM

FHA refinance loans

Term Rate APR
30-year fixed - FHA
15-year fixed - FHA

VA refinance loans

Term Rate APR
30-year fixed - VA
15-year fixed - VA

Jumbo refinance loans

Term Rate APR
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Jarrod Justice

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (20)jarrod.justice@usbank.com
  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (21)

    618.993.6269

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (22)

    618.357.1969

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (23)

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

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Use our mortgage calculator to help you better understand your home financing options.

Jarrod Justice

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (24)jarrod.justice@usbank.com
  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (25)

    618.993.6269

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (26)

    618.357.1969

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (27)

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Jarrod Justice

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (28)jarrod.justice@usbank.com
  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (29)

    618.993.6269

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (30)

    618.357.1969

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (31)

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Get answers to your questions regarding home financing, refinancing and more.

Conventional fixed-rate loans

A fixed-rate loan is one of the most common types of home loans. Benefits include a consistent rate, predictable monthly principal and interest payments and a flexible down payment. If you have good credit and a low debt-to-income ratio (the ratio of total monthly debt payments – not including utilities, cell phone or cable service – compared to gross monthly income), a conventional fixed-rate loan may be a good option for you.

A fixed-rate loan is a type of loan that comes with an interest rate that won't change for the life of the loan. Check out today’s rates for a conventional fixed-rate loan or compare mortgage rates for a variety of loan options. Connect with your mortgage loan officer to learn more about how fixed-rate loans work.

Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for those who plan to stay in their home for several years. With an adjustable-rate mortgage (ARM) the interest rate may change periodically, based on a pre-determined index, for example the U.S. Treasury, and margin set by the bank. The initial interest rate is fixed for a set period, typically three to 10 years depending on the loan product, and then becomes variable. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. This may be a good option for those who plan on moving within a few years. Consider the benefits of each to determine which makes the most sense for your situation.

VA loans

A Veterans Affairs (VA) loan is a home mortgage that’s backed by the Department of Veterans Affairs. To be eligible for a VA loan, you must be an active-duty service member, veteran or eligible surviving spouse. A VA home loan requires little or no money down at closing, and even with no down payment, mortgage insurance is not required.

Veterans Affairs (VA) loans are available to active-duty service members, veterans and eligible surviving spouses. A Certificate of Eligibility from the VA is required to show whether you qualify based on your service history and duty status. Your mortgage loan officer will work with you to obtain the Certificate of Eligibility and can help you better understand how VA loans work.

Veterans Affairs (VA) loans are available to active-duty service members and veterans who have served at least 90 days of consecutive service during wartime or 181 days during peacetime. National Guard members and reservists are eligible for a VA loan after six years of service or 181 days of active-duty service. Eligible surviving spouses may also qualify. For more information on how to apply for a VA home loan, contact your mortgage loan officer.

There are several ways active-duty service members, veterans and eligible surviving spouses can take advantage of a Veterans Affairs (VA) loan more than once. Here are some ways you may be eligible for another VA loan:

  • Purchase a home with a VA loan and then sell it to buy another home with a new VA loan.
  • Refinance an existing VA loan into another.
  • Have two VA loans for two different homes at the same time.

For more information on VA loans, speak with your mortgage loan officer.

FHA loans

A Federal Housing Administration (FHA) loan is a government-backed loan that’s insured by the Federal Housing Administration. FHA loans typically have lower credit and down payment requirements for qualified home buyers. For example, the minimum required down payment for an FHA loan is only 3.5% of the purchase price.

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If you’ve decided a Federal Housing Administration (FHA) loan may be right for you and you meet the general qualifications, including:

  • Down payment amount – FHA loans require a minimum down payment of 3.5%.
  • Credit score – The minimum credit score needed to qualify for a mortgage is generally around 620, however, FHA loans typically have lower credit requirements.
  • Property requirements – The home must be used as your primary residence, should protect the health and safety of the residents and the safety of the property, and should not have physical deficiencies or conditions affecting its structural integrity. An FHA-approved appraiser must appraise the home.

You can start your application on your own, or with the help of your mortgage loan officer, who can work with you to see if you qualify for a FHA loan.

Federal Housing Administration (FHA) loans are available to all qualified buyers, regardless of income level. They often have more flexible lending requirements than conventional loans. All FHA loans require mortgage insurance which protects the lender against any loss if mortgage payments are missed. To learn more about how FHA loans work, speak with your mortgage loan officer.

Jumbo loans

A jumbo loan is a non-conforming loan for single-family homes with loan amounts greater than $647,200. In certain high cost areas, such as Alaska and Hawaii, the conforming limit is up to $970,800. To qualify for a jumbo mortgage loan, you must meet the established guidelines for credit score, income and other personal financial information.

Jumbo loans are mortgages that exceed conforming loan limits. The limit on conforming loans is $647,200in most areas of the country, but jumbo mortgages can exceed these limits. The limit can be as high as $970,800in certain high cost areas, including Alaska and Hawaii.

A VAjumbo loan is a Veterans Affairs (VA) loan that exceeds the conforming loan limit of $647,200and up to $970,800in high-cost areas such as Alaska and Hawaii. If you’re an active-duty service member, veteran or eligible surviving spouse, and you meet the income and credit requirements, a VA jumbo loan could be an option for you.

USDA loans

United States Department of Agriculture (USDA) loans are mortgages guaranteed by the U. S. Department of Agriculture. A USDA loan can be a good option for buyers with lower to moderate incomes in eligible rural areas. These are zero down payment loans with low interest rates, and they typically have more flexible credit requirements than conventional mortgages. Contact your mortgage loan officer to see if you qualify for a USDA loan.

If you’re considering a United States Department of Agriculture (USDA) loan, you should be prepared to meet the established guidelines for credit score, income and debt-to-income ratio. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool . Contact your mortgage loan officer to see if you qualify for a USDA loan.

United States Department of Agriculture (USDA) loans are available to qualified buyers with low to moderate incomes in eligible rural areas. To be eligible for a USDA loan, the home must meet certain requirements and it must be your primary residence in a rural community. Rental properties and vacation homes do not qualify. To learn more about how USDA loans work, connect with your mortgage loan officer.

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Jarrod Justice

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (32)jarrod.justice@usbank.com
  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (33)

    618.993.6269

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (34)

    618.357.1969

  • Mortgage Loan Officer Jarrod Justice in Marion, IL | U.S. Bank (35)

    Connect when it's convenient for you. Request a call.

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Ready to apply? Start your application.

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