Marseilles, Illinois Refinance Rates Today for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current refinance rates for Marseilles, Illinois borrowers from lenders serving Illinois today start at 5.96% for a 30 year fixed and 4.99% for a 15 year fixed, compared with Illinois averages of 7.324% and 6.884%. Marseilles, Illinois mortgage refinance rates from lenders serving Illinois range from 4.99% to 8.67%, verified by MonitorBankRates as of October 31, 2026. Current mortgage refinance rates for Marseilles, Illinois borrowers from lenders serving Illinois include Dupaco Community Credit UnionDupaco Community Credit UnionA+5.0 ★Texas Ratio: 3.87%Rate verified Oct 29, 2026 at 6.75%, Old National BankOld National BankA+5.0 ★Texas Ratio: 4.98%Rate verified Oct 31, 2026 at 7.25%, PNB of KewaneePNB of KewaneeB4.7 ★Texas Ratio: 19.21%Rate verified Oct 27, 2026 at 5.96%, GenFed Financial Credit UnionGenFed Financial Credit UnionA+5.0 ★Texas Ratio: 4.88%Rate verified Oct 30, 2026 at 6.24%, and Central Credit Union of IllinoisCentral Credit Union of IllinoisA+5.0 ★Texas Ratio: 4.42%Rate verified Oct 29, 2026 at 5.99%. Refinance rates as of October 31, 2026 according to verified data from MonitorBankRates.
Marseilles homeowners can compare 212 refinance rates from 50 lenders serving the Illinois area, with refinance rates as low as 5.96% from PNB of Kewanee. Lenders below quote one rate for purchase and refinance loans. Use the tabs below to compare available loan types, then run the break-even calculator. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to Illinois homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 31, 2026
Compare Refinance Rates Today in Marseilles, Illinois & the Surrounding Area
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Marseilles, IL lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
Marseilles 30 Year Fixed Refinance Rates
$100,000; Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20266.91%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.35%
- Oct 2, 20267.35%▲ from 7.33%
- Oct 1, 20267.33%first recorded
$200,000; Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20266.97%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.35%
- Oct 2, 20267.35%▲ from 7.33%
- Oct 1, 20267.33%first recorded
$832,750; Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20267.05%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.35%
- Oct 2, 20267.35%▲ from 7.33%
- Oct 1, 20267.33%first recorded
$300,000; Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20267.08%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.35%
- Oct 2, 20267.35%▲ from 7.33%
- Oct 1, 20267.33%first recorded
$100000; Rates effective as of 09/25/2026; Payment example: $673.80 (excludes taxes and insurance); Rate/term refinance, minimum credit score 760, 75% LTV
$832750; Rates effective as of 09/25/2026; Payment example: $5,680.83 (excludes taxes and insurance); Rate/term refinance, minimum credit score 760, 75% LTV
No additional details available.
- Oct 31, 20267.30%▼ from 7.43%
- Oct 26, 20267.43%▼ from 7.55%
- Oct 20, 20267.55%first recorded
$300000; Rates effective as of 09/25/2026; Payment example: $2,046.53 (excludes taxes and insurance); Rate/term refinance, minimum credit score 760, 75% LTV
$200000; Rates effective as of 09/25/2026; Payment example: $1,364.52 (excludes taxes and insurance); Rate/term refinance, minimum credit score 760, 75% LTV
APR as low as 6.193% as of 9/17/2026, based on a $50,000 purchase loan with minimum credit score of 750; Rate effective as of 9/22/2026
As Low As; Real Estate Loan Rates; Effective 10/1/2026
- Oct 10, 20266.24%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Current long-term mortgage rate for purchases/refinances; buy or refinance
FHA; based on maximum allowable loan to value ratio of 96.50%; Payment: $1,621.50; Last updated October 21 2026
No additional details available.
Secondary Market Fixed Rates; 1.00 Points; loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/26/2026
Savings comparison widget; savings example based on $250,000 loan at 6.875% for 30 years, excellent credit
No additional details available.
- Oct 26, 20266.89%▼ from 7.08%
- Oct 19, 20267.08%▼ from 7.21%
- Oct 13, 20267.21%▼ from 7.34%
- Oct 2, 20267.34%▲ from 7.27%
Construction Loan; one-time close; 1-year construction phase followed by 30-year permanent phase; Principal & Interest Payment $1,510.94; Credit score 740 or higher; LTV 80% (20% down payment); Loan amount $230,000; 90-day lock; Finance charges include $1,350 origination fee, $6.70 flood certification fee and $72 tax service fee
- Oct 31, 20266.94%▼ from 7.06%
- Oct 26, 20267.06%▼ from 7.19%
- Oct 20, 20267.19%▼ from 7.31%
- Sep 27, 20267.31%▲ from 7.06%
No additional details available.
- Oct 26, 20266.96%▼ from 7.08%
- Oct 19, 20267.08%▼ from 7.21%
- Oct 13, 20267.21%▼ from 7.34%
- Oct 2, 20267.34%▲ from 7.27%
Rates as of 10/20/2026; Some rates may require the payment of points
1.00 Points; Loan amounts $100,000 - $149,000 with 5% down and credit score >= 740; rates listed as APR; Effective Date: 10/26/2026
- Oct 29, 20267.00%▼ from 7.13%
- Oct 26, 20267.13%▼ from 7.25%
- Oct 19, 20267.25%first recorded
As Low As; Rates may include points.
- Oct 26, 20267.00%▼ from 7.13%
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
Purchase loan scenario; 25% down; 780+ credit score; rates effective as of 10/30/2026 with 45-day rate lock
- Oct 31, 20267.01%▼ from 7.13%
- Oct 26, 20267.13%▼ from 7.26%
- Oct 20, 20267.26%▼ from 7.51%
- Oct 7, 20267.51%▲ from 7.13%
Additional APR listed for this product: 7.06%.
- Oct 26, 20267.04%▼ from 7.08%
- Oct 19, 20267.08%▼ from 7.21%
- Oct 13, 20267.21%▼ from 7.34%
- Oct 2, 20267.34%▲ from 7.32%
Homepage banner: 'Our 30 year fixed rate loans are currently 7.043% APR.' No interest rate stated separately.
Interest Rate Starting At 6.750%; APR Starting At 7.045%; $100,000 loan amount; $649 payment; Purchase, 70% LTV, primary residence, 760+ credit score
- Oct 30, 20267.05%▲ from 7.03%
- Oct 26, 20267.03%▼ from 7.12%
- Oct 19, 20267.12%▼ from 7.24%
- Oct 14, 20267.24%▲ from 7.13%
Assumption: Single Family/Owner Occupied; based on $150,000 loan amount, 75% LTV, 780 minimum credit score; rates current as of October 22, 2026
- Oct 26, 20267.06%▼ from 7.18%
- Oct 20, 20267.18%▼ from 7.31%
- Oct 14, 20267.31%first recorded
$250,000; Estimated Payment: $1197.54
- Oct 29, 20267.06%▼ from 7.44%
- Sep 26, 20267.44%▲ from 6.81%
- Sep 18, 20266.81%first recorded
Fixed Rate Mortgage Interest Rates; Service Released; Calculate Your Payment | Projected Payment Schedule
No additional details available.
APR calculated on $100k loan, 0 points, 700+ credit score, 80% LTV
- Sep 18, 20267.09%▲ from 6.45%
- Sep 14, 20266.45%first recorded
As Low As; Payment: 6,653.02 (payment column not a rate)
- Oct 30, 20267.14%▼ from 7.33%
- Sep 27, 20267.33%first recorded
Conventional Loan; Credit score 780 or higher; LTV 80% (20% down payment); Loan amount $230,000; Purchase, owner occupied single family; 45-day lock; Principal & Interest Payment $1,549.55
- Oct 31, 20267.18%▼ from 7.30%
- Oct 26, 20267.30%first recorded
Purchase; advertised rates effective as of 10/30/2026
Estimated Payment: $1212.69
- Oct 29, 20267.18%▼ from 7.56%
- Sep 26, 20267.56%▲ from 6.93%
- Sep 18, 20266.93%first recorded
Purchase rate; Initial; Rates updated 10/30/2026
- Oct 31, 20267.19%▼ from 7.45%
- Oct 20, 20267.45%▼ from 7.70%
- Oct 1, 20267.70%▲ from 7.57%
- Sep 27, 20267.57%▲ from 7.45%
As Low As; Payment: 1,596.73
- Oct 30, 20267.19%▼ from 7.32%
- Oct 19, 20267.32%▲ from 7.07%
- Sep 18, 20267.07%first recorded
Based on $250,000 loan and $2,000 closing cost; 80% LTV; Payment: $1,684.30; Last updated October 21 2026
As Low As; Mortgage rate and APR advertised on homepage 'Check Out Our Rates'
- Oct 28, 20267.21%▲ from 7.08%
- Sep 14, 20267.08%first recorded
As Low As; Home Loans
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.22%▼ from 7.34%
- Oct 26, 20267.34%▼ from 7.47%
- Sep 27, 20267.47%▲ from 7.34%
- Sep 24, 20267.34%▲ from 7.22%
Conventional; Purchase Price $312,500, Loan Amount $250,000, single family home, Illinois primary residence, 80% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock; Rates current as of 10/29/2026
- Oct 30, 20267.23%▼ from 7.34%
- Oct 26, 20267.34%▼ from 7.46%
- Oct 19, 20267.46%first recorded
Additional APR listed for this product: 7.242%.
- Oct 31, 20267.24%▼ from 7.49%
- Oct 22, 20267.49%▼ from 7.49%
- Oct 20, 20267.49%first recorded
As Low As; Purchase rate; Displayed rates reflect a 45-day lock period; Refinances are currently locked for 60 days
- Oct 31, 20267.28%▼ from 7.53%
- Oct 14, 20267.53%first recorded
Purchase rate; Initial; Rates updated 10/30/2026
- Oct 26, 20267.30%▼ from 7.43%
- Oct 20, 20267.43%▼ from 7.69%
- Oct 1, 20267.69%▲ from 7.56%
- Sep 27, 20267.56%▲ from 7.18%
HomeReady; Purchase Price $260,000, Loan Amount $252,200, single family home, Illinois primary residence, 97% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock, income limits apply; income cannot exceed 80% of the area median income (AMI); Rates current as of 10/29/2026
- Oct 30, 20267.33%▼ from 7.45%
- Oct 19, 20267.45%first recorded
Conforming (Loan Amounts of $25,000 - $832,750); Sample; APR based on estimated loan amount of $165,000; Maximum LTV 80% for detached single family, 75% for condos/townhouses
VA; Purchase price $200,000, Loan Amount $204,300, no down-payment, 680 credit score, Illinois primary residence only, single family home, fees may include 2.15% VA funding fee, first-time use, regular military, 45-day rate lock; Rates current as of 10/29/2026
- Oct 30, 20267.35%▼ from 7.48%
- Oct 19, 20267.48%first recorded
Mortgage program; Rates shown are based on our no-points option; APR inclusive of discount points totaling 0.875% in the example; Purchase loan example
Principal & Interest Payment: $1,171.66; Rate example assumes credit score 680 or higher, LTV 100%, owner-occupied single family purchase, 45-day lock; subject to credit approval
Marseilles 15 Year Fixed Refinance Rates
Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20266.63%▼ from 6.75%
- Oct 19, 20266.75%▼ from 6.88%
- Oct 9, 20266.88%▼ from 7.00%
- Oct 2, 20267.00%▲ from 6.88%
No additional details available.
- Oct 31, 20266.83%▼ from 6.96%
- Oct 26, 20266.96%▼ from 7.08%
- Oct 20, 20267.08%first recorded
Rates effective as of 09/25/2026; Payment example: $1,327.36 (excludes taxes and insurance); Rate/term refinance, minimum credit score 760, 75% LTV
Current long-term mortgage rate for purchases/refinances; buy or refinance
APR column only; Land Loan table
No additional details available.
APR as low as 6.286% as of 9/17/2026, based on a $50,000 purchase loan with minimum credit score of 750; Rate effective as of 9/22/2026
As Low As; Both traditional and short-term options available. Rates may include points.
- Oct 19, 20266.38%▼ from 6.50%
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Assumption: Single Family/Owner Occupied; based on $150,000 loan amount, 75% LTV, 780 minimum credit score; rates current as of October 22, 2026
- Oct 26, 20266.43%▼ from 6.55%
- Oct 20, 20266.55%▼ from 6.68%
- Oct 14, 20266.68%first recorded
As Low As; Conventional Mortgages - 5% Down; based on $175,000 loan
As Low As; Conventional Mortgages - 5% Down
Based on $250,000 loan and $2,000 closing cost; 80% LTV; Payment: $2160.63; Last updated October 21 2026
Rates as of 10/20/2026; Some rates may require the payment of points
No additional details available.
As Low As; Purchase rate; Displayed rates reflect a 45-day lock period; Refinances are currently locked for 60 days
- Oct 31, 20266.55%▼ from 6.80%
- Oct 14, 20266.80%first recorded
APR calculated on $100k loan, 0 points, 700+ credit score, 80% LTV
- Sep 18, 20266.59%▲ from 5.96%
- Sep 14, 20265.96%first recorded
Fixed Rate Mortgage Interest Rates; Service Released; Calculate Your Payment | Projected Payment Schedule
Interest Rate Starting At 6.125%; APR Starting At 6.594%; $100,000 loan amount; $851 payment; Purchase, 70% LTV, primary residence, 760+ credit score
- Oct 30, 20266.59%▼ from 6.61%
- Oct 26, 20266.61%▲ from 6.55%
- Oct 19, 20266.55%▼ from 6.74%
- Oct 14, 20266.74%first recorded
Owner Occupied 1-4 Unit; Fixed Rate with 10-Year Amortization; Balloon/Fixed Rate up to 80% LTV; APR based on $100,000 loan, 30-year amortization, 740+ credit score, 80% LTV; effective 09/30/2026
- Oct 1, 20266.62%▲ from 6.37%
- Sep 24, 20266.37%▲ from 6.00%
- Sep 15, 20266.00%first recorded
No additional details available.
- Oct 29, 20266.63%▼ from 6.75%
- Oct 13, 20266.75%▼ from 7.00%
- Oct 2, 20267.00%▲ from 6.88%
- Oct 1, 20266.88%▲ from 6.50%
As Low As; Payment: 2,074.20
- Oct 30, 20266.66%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.28%
- Sep 14, 20266.28%first recorded
No additional details available.
- Oct 31, 20266.68%▼ from 6.93%
- Oct 22, 20266.93%first recorded
As Low As; Conventional Mortgages - 5% Down; based on $175,000 loan
As Low As; Conventional Mortgages - 5% Down
As Low As; Homepage mortgage rate teaser; Check All Mortgage Rates for details
- Oct 31, 20266.70%▼ from 6.95%
- Oct 20, 20266.95%first recorded
Purchase loan scenario; 25% down; 780+ credit score; rates effective as of 10/30/2026 with 45-day rate lock
- Oct 31, 20266.71%▲ from 6.71%
- Oct 26, 20266.71%▼ from 6.84%
- Oct 20, 20266.84%▲ from 6.59%
- Oct 14, 20266.59%▼ from 7.09%
Purchase rate; Initial; Rates updated 10/30/2026
- Oct 31, 20266.73%▼ from 6.86%
- Oct 26, 20266.86%▼ from 6.98%
- Oct 20, 20266.98%▼ from 7.11%
- Oct 1, 20267.11%▲ from 6.98%
Mortgage program; Rates shown are based on our no-points option; Purchase loan example
1.00 Points; Loan amounts $100,000 - $149,000 with 5% down and credit score >= 740; rates listed as APR; Effective Date: 10/26/2026
- Oct 26, 20266.75%▼ from 6.88%
- Oct 19, 20266.88%first recorded
Secondary Market Fixed Rates; 1.00 Points; loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/26/2026
As Low As; Mortgage Rates section, homepage featured rate
Conventional Loan; Credit score 780 or higher; LTV 80% (20% down payment); Loan amount $230,000; Purchase, owner occupied single family; 45-day lock; Principal & Interest Payment $2,035.29
- Oct 31, 20266.83%▼ from 6.96%
- Oct 26, 20266.96%first recorded
Purchase; advertised rates effective as of 10/30/2026
Conforming (Loan Amounts of $25,000 - $832,750); Sample; APR based on estimated loan amount of $165,000; Maximum LTV 80% for detached single family, 75% for condos/townhouses
Estimated Payment: $1605.34
- Oct 29, 20266.97%▼ from 7.35%
- Sep 29, 20267.35%▲ from 7.22%
- Sep 26, 20267.22%▲ from 6.97%
- Sep 18, 20266.97%first recorded
As Low As; Home Loans
Conventional; Purchase Price $312,500, Loan Amount $250,000, single family home, Illinois primary residence, 80% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock; Rates current as of 10/29/2026
- Oct 30, 20266.98%▼ from 7.08%
- Oct 26, 20267.08%▼ from 7.20%
- Oct 19, 20267.20%first recorded
Effective October 30, 2026; *Qualifications Apply
- Oct 31, 20267.00%▼ from 7.12%
- Oct 26, 20267.12%▼ from 7.25%
- Oct 20, 20267.25%▲ from 7.12%
- Oct 20, 20267.12%▼ from 7.50%
No additional details available.
Rates effective as of 10/23/2026; APR - Annual Percentage Rate
- Oct 14, 20267.08%▼ from 7.20%
- Sep 27, 20267.20%▲ from 6.95%
- Sep 18, 20266.95%first recorded
Residential; APR based on $100,000 no cash-out refinance loan and 20% down payment for conventional loans
As Low As; Mortgage rate and APR advertised on homepage 'Check Out Our Rates'
- Oct 28, 20267.13%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Today's Mortgage Rates; Rates are subject to change
- Oct 26, 20267.20%▲ from 5.84%
- Sep 11, 20265.84%first recorded
Rates effective as of 10/27/2026; Monthly payment as low as $730.29; Maximum term 15 Years
- Oct 31, 20267.44%▼ from 7.56%
- Oct 14, 20267.56%first recorded
Owner Occupied 1-4 Family Residence; Points Charged: No points; Minimum Down Payment: 3%; Conventional Fixed Rate Mortgages (Owner Occupied)
Based on a mortgage for $150,000 with 80% loan to value and 730 credit score; $200 in loan origination fees included with APR
- Oct 26, 20267.47%▼ from 7.59%
- Oct 13, 20267.59%first recorded
based on $100,000 mortgage and 20% down payment; APR may vary with credit history and loan features
As Low As; Fixed Rate Mortgages
0 Points; Loan amounts $100,000 - $149,000 with 5% down and credit score >= 740; rates listed as APR; Effective Date: 10/26/2026
- Oct 29, 20267.63%▲ from 6.63%
- Oct 26, 20266.63%▼ from 7.63%
- Oct 19, 20267.63%first recorded
Secondary Market Fixed Rates; 0 Points; loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/26/2026
Marseilles 5/1 ARM Refinance Rates
Initial APR; footnote: APR assumes 30-year term, 2/6 caps, $300,000 loan, 80% LTV, 1% origination fee
Base Rate 5.000%; Initial APR 5.114%; 30-year term, 2% annual / 6% lifetime caps
- Oct 23, 20265.11%▲ from 4.61%
- Oct 13, 20264.61%first recorded
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available. Rates may include points.
- Oct 26, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
Adjustable Rate Mortgage
- Oct 29, 20266.20%▼ from 6.25%
- Oct 13, 20266.25%▼ from 7.03%
- Oct 2, 20267.03%first recorded
Adjustable Rate Mortgage; 0 Points; Loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/19/2026
No additional details available.
- Oct 9, 20266.26%▲ from 5.54%
- Sep 14, 20265.54%first recorded
As Low As; Purchase rate; Displayed rates reflect a 45-day lock period; Refinances are currently locked for 60 days
No additional details available.
As Low As
As Low As
- Oct 23, 20266.86%▼ from 6.98%
- Oct 15, 20266.98%▲ from 6.93%
- Oct 13, 20266.93%first recorded
Conform / Jumbo: Up to $806,500; No points; No prepayment penalty
- Oct 5, 20266.86%▲ from 6.74%
- Sep 14, 20266.74%first recorded
Interest Rate Starting At 6.375%; APR Starting At 6.936%; $200,000 loan amount; $1248 payment; Purchase, 70% LTV, primary residence, 760+ credit score
Adjustable-Rate Mortgage; APR is Annual Percentage Rate; Rates shown are based on our no-points option
- Oct 28, 20266.94%▲ from 6.94%
- Oct 23, 20266.94%▼ from 6.95%
- Oct 12, 20266.95%first recorded
As Low As; w/ 1.000 Points; Payment: 1,419.69
- Oct 30, 20266.94%▼ from 6.98%
- Oct 19, 20266.98%first recorded
Conform / Jumbo: Over $806,500; No points; No prepayment penalty
- Oct 5, 20267.06%▲ from 6.74%
- Sep 14, 20266.74%first recorded
As Low As; Home Loans
No additional details available.
Construction Loan Interest Rates; 5/1 adjustable rate; adjustable after initial fixed period; Service Retained
- Oct 27, 20267.18%▼ from 7.26%
- Oct 22, 20267.26%▲ from 7.18%
- Oct 14, 20267.18%▼ from 7.21%
- Oct 8, 20267.21%▲ from 7.14%
Adjustable-Rate Mortgage; Margin is 2.5%; Cap is 2% Maximum Adjustment per Year, 6% LIFE; Closing Rate is floor; Add .25% for cash-out refinance
No additional details available.
Non-Owner Occupied 1-4 Family Residence; Minimum down payment 25%; Maximum term 20 years; Points: No points; Rates effective as of 10/14/2026; Assumes purchase transaction, minimum credit score 780, maximum LTV 80%; APR calculated on $50,000 loan; Interest rates adjust based on 5-year US Treasury Note rates plus a fixed margin
Adjustable-Rate Mortgage; Margin is 2.5%; Cap is 2% Maximum Adjustment per Year, 6% LIFE; Closing Rate is floor; Add .25% for cash-out refinance
Marseilles 30-Year Jumbo Refinance Rates
No additional details available.
- Oct 31, 20266.89%▼ from 7.01%
- Oct 26, 20267.01%▼ from 7.14%
- Oct 20, 20267.14%first recorded
Fixed-rate period 7 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
Fixed-rate period 10 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
based on $940,000 loan amount and at least 25% equity
based on $940,000 loan amount and at least 25% equity
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.71%▼ from 6.83%
- Oct 20, 20266.83%▼ from 6.87%
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Sample homebuyer assumptions: credit score 780 or higher; LTV 75% (25% down payment); loan amount $1,000,000; purchase; owner occupied single family home; no secondary financing; 60-day lock; minimum loan amount $832,751; sample rates effective 10/30/2026
- Oct 31, 20266.89%▼ from 7.01%
- Oct 26, 20267.01%▼ from 7.14%
- Oct 20, 20267.14%▼ from 7.26%
- Sep 27, 20267.26%▲ from 7.01%
Purchase; advertised rates effective as of 10/30/2026
Jumbo Mortgage Interest Rates; Adjustable rate; Minimum loan amount for advertised rate is $832,750
- Oct 27, 20267.08%▼ from 7.15%
- Oct 22, 20267.15%▲ from 7.08%
- Oct 14, 20267.08%▼ from 7.10%
- Oct 8, 20267.10%▲ from 7.03%
Fixed-rate period 7 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Fixed-rate period 10 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
As Low As; APR based on $832,751 loan amount
As Low As
- Oct 23, 20267.25%▼ from 7.38%
- Oct 13, 20267.38%first recorded
Jumbo loan amounts $832,751 - $1,000,000; Sample; APR based on estimated loan amount of $832,751; Maximum LTV 75% for detached single family, 70% for condos/townhouses
No additional details available.
No additional details available.
As Low As; APR based on $832,751 loan amount
As Low As
- Oct 23, 20267.40%▼ from 7.53%
- Oct 13, 20267.53%first recorded
Loan amount $940,000; down payment at least 25%
Loan amount $940,000; down payment at least 25%
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.53%▼ from 7.65%
- Oct 26, 20267.65%▼ from 7.78%
- Oct 7, 20267.78%▲ from 7.65%
- Oct 2, 20267.65%▲ from 7.53%
Jumbo; Interest Rate then APR
- Oct 19, 20267.60%▼ from 7.63%
- Oct 13, 20267.63%first recorded
Adjustable-rate mortgage (10/1 ARM)
Adjustable-rate mortgage (7/1 ARM)
As Low As; Fixed Rate Mortgages; Jumbo
Interest Rates As Low As; Exclusive mortgage benefit for Servicemembers, Reservists and Veterans who have already exhausted their VA loan benefit; no down payment required; 720 FICO, down payment of 0%; rates as of Oct 30, 2026 ET
- Oct 31, 20268.10%▼ from 8.22%
- Oct 26, 20268.22%▼ from 8.35%
- Oct 20, 20268.35%first recorded
As Low As; Rates as of Oct 30, 2026 ET; Advertised rate assumes single-family primary residence, 720 FICO, 0% down
- Oct 31, 20268.22%▼ from 8.35%
- Oct 26, 20268.35%▼ from 8.48%
- Oct 20, 20268.48%▼ from 8.61%
- Oct 1, 20268.61%first recorded
Marseilles 15-Year Jumbo Refinance Rates
based on $940,000 loan amount and at least 25% equity
As Low As; APR based on $832,751 loan amount
As Low As
- Oct 23, 20266.58%▼ from 6.70%
- Oct 13, 20266.70%first recorded
As Low As; APR based on $832,751 loan amount
As Low As
- Oct 23, 20266.67%▼ from 6.79%
- Oct 13, 20266.79%first recorded
No additional details available.
As Low As; Assumes single-family primary residence, 720 FICO, 20% down; Minimum 5% down required; Rates as of Oct 30, 2026 ET
- Oct 26, 20266.85%▼ from 6.97%
- Oct 20, 20266.97%first recorded
Jumbo; Interest Rate then APR
- Oct 29, 20266.94%▼ from 7.23%
- Oct 26, 20267.23%▲ from 7.20%
- Oct 19, 20267.20%▼ from 7.23%
- Oct 13, 20267.23%first recorded
Loan amount $940,000; down payment at least 25%
Marseilles 5/1 Jumbo ARM Refinance Rates
Fixed-rate period 5 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.65%▼ from 6.78%
- Oct 20, 20266.78%▼ from 6.83%
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
As Low As
As Low As
- Oct 23, 20266.78%▼ from 6.85%
- Oct 15, 20266.85%▲ from 6.80%
- Oct 13, 20266.80%first recorded
Fixed-rate period 5 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Adjustable-rate mortgage (5/1 ARM)
Marseilles FHA Loan Rates
based on $270,019 loan amount and at least 3.5% equity; assumes FICO 680+
No additional details available.
- Oct 26, 20269.42%▼ from 9.57%
- Oct 20, 20269.57%first recorded
FHA; based on maximum allowable loan to value ratio of 96.50%; Payment: $1,621.50; Last updated October 21 2026
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.42%▼ from 7.68%
- Oct 26, 20267.68%▼ from 7.79%
- Oct 2, 20267.79%first recorded
No additional details available.
FHA; Purchase price $210,000, Loan Amount $206,196, 3.5% down-payment, 680 credit score, Illinois primary residence only, single family home, fees include 1.75% up front mortgage insurance premium (UFMIP), 45-day rate lock; Rates current as of 10/29/2026
- Oct 30, 20267.76%▼ from 7.88%
- Oct 26, 20267.88%▼ from 7.97%
- Oct 19, 20267.97%first recorded
FHA; 3.5% down; Rate based on $175,000 loan
Loan amount $270,019; down payment at least 3.5%; FICO 680+
FHA; 3.5% down; Rate based on $175,000 loan
FHA; 3.5% down; Rate based on $175,000 loan
Purchase; Principal & Interest Payment: $1,165.36; Credit score 640 or higher; LTV 96.5% (3.5% down payment); Base loan amount $170,000
- Oct 26, 20269.42%▼ from 9.57%
- Oct 20, 20269.57%▲ from 9.57%
- Sep 27, 20269.57%▲ from 9.26%
- Sep 24, 20269.26%▲ from 8.96%
Purchase; FHA; advertised rates effective as of 10/30/2026
Marseilles VA Loan Rates
based on $305,059 loan amount and 14.8% equity
No additional details available.
- Oct 31, 20267.42%▼ from 7.54%
- Oct 26, 20267.54%▼ from 7.67%
- Oct 20, 20267.67%▲ from 7.04%
- Sep 15, 20267.04%first recorded
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.66%▼ from 6.79%
- Oct 20, 20266.79%first recorded
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.93%▼ from 7.06%
- Oct 20, 20267.06%first recorded
No additional details available.
- Oct 31, 20267.19%▼ from 7.32%
- Oct 26, 20267.32%▼ from 7.45%
- Oct 7, 20267.45%first recorded
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.22%▼ from 7.34%
- Oct 26, 20267.34%▼ from 7.47%
- Sep 27, 20267.47%▲ from 7.34%
- Sep 24, 20267.34%▲ from 7.22%
Loan amount $383,625; no down payment
Purchase rate; Initial; Rates updated 10/30/2026
- Oct 26, 20267.30%▼ from 7.43%
- Oct 20, 20267.43%▼ from 7.69%
- Oct 1, 20267.69%▲ from 7.56%
- Sep 27, 20267.56%▲ from 7.18%
VA; Purchase price $200,000, Loan Amount $204,300, no down-payment, 680 credit score, Illinois primary residence only, single family home, fees may include 2.15% VA funding fee, first-time use, regular military, 45-day rate lock; Rates current as of 10/29/2026
- Oct 30, 20267.35%▼ from 7.48%
- Oct 19, 20267.48%first recorded
Purchase; VA; advertised rates effective as of 10/30/2026
Principal & Interest Payment: $1,171.66; Rate example assumes credit score 680 or higher, LTV 100%, owner-occupied single family purchase, 45-day lock; subject to credit approval
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 31, 2026. Use these as the benchmark for the Marseilles, Illinois quotes above; lenders that price refinances separately currently run about 0.189 points higher.
Marseilles, IL Refinance Rate Trends
Compare local Marseilles, IL refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a Illinois refinance quote should be measured against, plus roughly 0.189 points at lenders that price refinances separately.
Illinois 30-year fixed rates fell 0.088 points over the past 7 days to 7.324%.
Illinois 15-year fixed rates fell 0.072 points over the past 7 days to 6.884%.
What Marseilles, IL Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
Illinois Refinance Rate Forecast, Next 12 Months
Where are Illinois refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for Marseilles, IL Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $114,000 (80% of the city median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (IL avg) | 7.324% | $783 | 16.1% | |
| 6-Month Forecast | 7.324% (6.97, 7.62%) | $783 | +$0/mo | 16.1% |
| 12-Month Forecast | 7.574% (7.22, 7.87%) | $803 | +$19/mo | 16.5% |
Income column = annual mortgage payment as % of Marseilles, IL median household income ($58,217). Above 30% is generally considered cost-burdened.
Marseilles, Illinois Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current Marseilles, Illinois rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your Marseilles, Illinois Refinance
The rate is only part of the decision. Use these calculators to turn current Marseilles, Illinois home refinance rates into monthly savings, break-even months, and total interest before you request quotes from refinance lenders.
If you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateEnter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateIf your goal is cash rather than a lower rate, compare current Marseilles, Illinois home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Marseilles, Illinois rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateTypes of Refinance Loans Available in Marseilles, Illinois
Homeowners in Marseilles, Illinois can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every Illinois lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s Marseilles, Illinois average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in Marseilles, Illinois usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in Illinois quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming loan limit for Marseilles, Illinois is $832,750. A refinance above that amount is a jumbo loan and stays on the lender’s books or goes to private investors, so pricing and underwriting are set lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Marseilles, Illinois refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates for Marseilles, Illinois directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Marseilles, Illinois. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in IL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Refinance Product Information
How a Mortgage Refinance Works
A refinance pays off your current mortgage with a new loan on the same Marseilles, Illinois home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
Refinance Rates vs. Purchase Rates
Most Illinois banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our Marseilles, Illinois mortgage rates page. For example, Dupaco Community Credit Union is listing a Refinance: 30-Year Fixed Conventional at 6.75% for either purpose. Some lenders price refinances separately and list them by name, such as Dupaco Community Credit Union’s Refinance: 15-Year Fixed Conventional at 6.50%. Across lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break Even Point
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Marseilles, Illinois homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs
Refinance closing costs in Illinois typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When to Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our Illinois refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in Marseilles, Illinois
What are refinance rates in Marseilles, Illinois today?
What are home loan refinance rates in Marseilles, IL today?
Are refinance rates higher than purchase mortgage rates in Marseilles, Illinois?
When does refinancing make sense in Marseilles, Illinois?
How soon can I refinance a mortgage in Marseilles, Illinois?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in Marseilles, Illinois?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I compare refinance lenders in Marseilles, Illinois?
How do I get refinance quotes in Marseilles, Illinois?
What are the best refinance rates in Marseilles, Illinois?
- Dupaco Community Credit Union: 6.75% (Refinance: 30-Year Fixed Conventional)
- Old National Bank: 7.25% (Refinance - 30 Year Fixed)
- PNB of Kewanee: 5.96% (30 Year Fixed Mortgages)
- GenFed Financial Credit Union: 6.24% (30 Year Mortgage (Fixed))
- Central Credit Union of Illinois: 5.99% (30-Year Fixed-Rate Mortgage)
Marseilles, Illinois Rates & Resources
