Mortgage Loans

We understand that purchasing a home or property is a huge investment, and we want to help make the process as easy as possible. Meet with our mortgage lender before you start shopping to find your budget and get answers to any questions.


Purchasing and Refinancing

Bank of Belleville offers multiple purchasing and refinancing programs to meet your financial needs and help you settle into our community.

  • Purchase – New or existing home
  • Purchase – Second home
  • Purchase – Investment property
  • Purchase – Land
  • Refinance–Your residence to lower interest rate
  • Refinance –To access equity (cash out)
  • Lot construction and permanent financing available



The Bank of Belleville Mortgage Lending Services offer the following:

  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • Balloon Mortgages
  • Second Position Mortgages


Why use Bank of Belleville Mortgage Services?

At Bank of Belleville, we’re invested in making our community stronger and providing the best experience for our clients. Smaller Bank, Bigger Service, Stronger Community isn’t just a tagline; it’s a promise. Our Mortgage Services guarantees:

  • Quick response times and efficient services
  • Accessible sales and operating personnel
  • Competitive interest rates
  • Accuracy in all information
  • No surprises
  • Competitive closing costs

*All loans are subject to credit approval.



NMLS #755149

A veteran lender with over 20 years of experience originating home loans, including VA, USDA, Conventional, FHA and construction loans, Chris has extensive expertise with the Downpayment Plus program–providing grants of up to $6,000 for home buyers who qualify. She will walk you through the loan process every step of the way — from application to closing. 

Chris holds a 5-star lender rating on Zillow, and is locally-focused on serving the Macoupin, Montgomery and Madison County markets. 

Apply Today or find Chris always available by text or call to answer your questions at (217) 710-8850.


Tom Reay, Jr.
NMLS #466877

Tom has over 20 years of experience in lending. Tom will take the stress out of the loan process and assist to streamline it and keep it simple. there are many programs out there, let Tom choose the right one for you. tom’s number one goal is to help you finalize everything from start to finish and takes pride in assisting in the whole closing process.

Apply Today or find Tom always available by text or call to answer your questions at (618) 978-8026.


NMLS #646401

With 40 years of banking experience, 25 of those as a community lender, Jo Ann has the expertise to help you find the right option for your specific needs. 

Jo Ann is an expert on Construction, Bridge, Conventional, FHA, VA, USDA and portfolio products. She also has vast experience with non-conforming properties, mixed use and commercial properties.

Apply Today or call Jo Ann at 618-236-4709 to discuss any of your mortgage needs.