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Jerry Kindig is licensed in Illinois. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Illinois.
Licensed in Illinois
ILLoan Factory, Inc. license, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this Illinois license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Illinois.
Loan Factory, Inc. license in Illinois, from our state license list:
Residential Mortgage License
License#: MB.6761525
Licensed by Illinois Department of Financial & Professional Regulation
Required state noticeIllinois Department of Financial & Professional Regulation: 555 West Monroe Street, Suite 500 Chicago, IL 60661 (888) 473-4858 www.idfpr.illinois.gov
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
Illinois has about 12.7 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Illinois (NMLS #2397823) with access to 220+ wholesale lenders through Loan Factory, Jerry Kindig helps you compare loan options, whether you are buying your first home, moving up, refinancing, or investing.
The 10 largest Illinois cities by population, plus Evanston. Population: U.S. Census Bureau estimates for July 1, 2025.
Whether you are buying in Chicago, in Springfield, or in a smaller community, we work with borrowers throughout Illinois and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city population estimates · Enjoy Illinois (Illinois Office of Tourism) · Enjoy Illinois, Millennium Park · NPS Lincoln Home · Abraham Lincoln Presidential Library and Museum · Bradley University · University of Illinois Urbana-Champaign · Northwestern University.
A few facts worth knowing before you buy in Illinois.
Sources: Illinois Department of Revenue, income tax rates · Illinois Department of Revenue, ST-1 instructions · NOAA NCEI 1991-2020 climate normals (Chicago O'Hare, Springfield) · U.S. DOT time zone map · NIST, daylight saving time · Scott AFB · Naval Station Great Lakes.
From downtown Chicago to the forests of southern Illinois, here are seven places to visit.
25 acres of landscape, architecture, and public art in downtown Chicago, including Cloud Gate.
A planned industrial community in Chicago, known for its urban design and architecture.
Its Chicago site is Roberts Temple Church of God in Christ on the South Side, where Emmett Till's open-casket funeral was held in September 1955. The church is still active, and public access is limited to the exterior.
The Springfield home of Abraham Lincoln, the sixteenth president.
A museum and research library in Springfield.
Established in 2024 in central Springfield, the site holds the foundations of five homes destroyed in the August 1908 race riot. The NPS notes that the riot led to the founding of the NAACP.
289,000 acres of oak-hickory forest and wetlands in southern Illinois, between the Ohio and Mississippi rivers.
Sources: Enjoy Illinois, Millennium Park · NPS Pullman · NPS Emmett Till and Mamie Till-Mobley NM · NPS Roberts Temple Church of God in Christ · NPS Lincoln Home · Abraham Lincoln Presidential Library and Museum · NPS Springfield 1908 Race Riot NM · USDA Forest Service, Shawnee National Forest.
Home loans, investor loans, and equity options, all shopped for you. Eligibility varies by program. All loans are subject to approval.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
The Best Price Guarantee does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix & Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans. See the full terms.
Yes. Jerry Kindig (NMLS #2397823) is licensed in Illinois, and Loan Factory, Inc. (NMLS #320841) holds Illinois Residential Mortgage License MB.6761525 from the Illinois Department of Financial & Professional Regulation. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in Illinois and works with borrowers by phone, text, email, and online, so you can get started from wherever you are in the state.
Home loans (Conventional, FHA, VA, USDA, down payment assistance, mobile homes, and self-employed Non-QM), investor loans (DSCR, Fix and Flip, and construction), and equity and retirement options (Wealth Builder HELOC and reverse mortgages). Eligibility varies by program, and all loans are subject to approval.
Yes. Down payment assistance programs can help bridge the gap, and we pair them with the right loan. Eligibility, income limits, and terms vary by program, so ask us which programs you may qualify for.
Yes, for eligible loans. Conditions apply, including loan amounts of $200,000 or more and fixed-rate Conventional conforming, FHA, and VA loans on identical loan types. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix and Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans.
Jerry is licensed in 19 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Loan Factory, the brokerage behind Pick My Mortgage Rate, is licensed in 48 states and the District of Columbia.
Yes. Illinois has a flat individual income tax rate of 4.95% of net income, according to the Illinois Department of Revenue.
The state rate is 6.25% for general merchandise and 1% for qualifying drugs and medical appliances, according to the Illinois Department of Revenue. Local taxes can make the total rate higher.
All of Illinois is on Central Time and observes daylight saving time.
Apply with AI, shop rates online, or call or text (480) 526-4505. You can also send us a message with the form below.
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