Securing a mortgage in Springfield, Illinois

Securing a mortgage can be a daunting task, especially for first-time homebuyers. As baby boomers downsize and the next generation – now more likely in their 30s than 20s – searches for the perfect home how exactly do you go about getting a mortgage and who can you rely on to guide you through the process? 

We spoke to Eighteen21’s mortgage expert, Jerry Boster of Security Bank, and some of his clients to find out. 

If you’re looking to work with a mortgage lender for the first time you want to find someone that is experienced, knowledgeable, and willing to help find a solution that fits you – and the bank. 

One of the most reliable ways to find a good mortgage lender is through family and friends. If they are willing to refer a lender to you then he or she has probably done their job well.

David Neff and his fiancée Cristine Nation considered building their own home before meeting with me, but after we discussed their needs and came to a decision that best suited their financial situation, they took a different approach to finding their home. “After meeting with Jerry, we decided not to move forward with the builder. But within a week found a new construction house that was much larger and nicer than the one we thought about building and it was a lot less expensive. It is the perfect house for us and we couldn’t be happier that we decided not to build.” 

You may find that you have to go to a few lenders before you find the one that fits you best. Experience in meeting with different people will provide you insight into what makes a good lender and a not so good one. Fred Antonelli did exactly that. “We reviewed mortgages with five lenders (three local, two national). Jerry’s bank had competitive rates and was local. Jerry had been one of three local lenders recommended by our realtor. Jerry made us feel like we were his only clients.”

If you want to search for a home it is important that you first have mortgage pre-approval and know exactly where you stand. I recently worked with Brooklyn Klatt, new to the area and a first-time homebuyer, to make sure she was clear on everything involved in securing a mortgage. “Jerry was spot on with every number he gave me and I went in knowing exactly what to expect. I still contact Jerry with questions, he never hesitates, and responds in a timely fashion.”

For mortgage preapproval you will be asked to provide, at the very least, pay stubs, W2s, tax returns, and bank statements. The mortgage loan officer will pull a copy of your credit report and review your current debts. Based on this information, your lender will have a discussion with you about other obligations that you may have and the amount of the monthly payment that will fit your budget and mutually come up with a purchase price that you and the bank or both comfortable with.

Finally, if you’re stuck on who to choose as your lender, look for someone that is willing to go above and beyond, put in the extra time to meet your needs, and return calls, messages, and emails promptly. It’s the reason I have the opportunity to work with clients time and time again, as David explains. “What impressed us the most was Jerry’s availability and quick responses to our calls and emails. There were a couple times where time was of the essence and Jerry was able to help us out immediately. Even after business hours he would respond to emails and take calls to offer advice.”



Jerry Boster

Office Phone (217) 825-3300



If you are looking to secure a mortgage preapproval, looking at a refinance of your current home, or want to find out more about the process call me on my cell (217) 825-3300, office (217) 541-1289, or email