Tomas Rodriguez

Tomas Rodriguez

Branch Manager
NMLS# 1899061

(855) 566-0081 Email Me

Realize Your Dream of Home Ownership

Welcome to Team USA Mortgage LLC, I'm Tomas Rodriguez, your Illinois home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.

Contact Me Today! Apply Now!

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Real Customer Experiences

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Current

Illinois

Mortgage Rates

FHA Loans

Purchase - 30 Year Fixed

Rate6.25%

1W Change 0.00%

APR6.99%

1W Change 0.00%

No FHA refinance rates currently available, check back tomorrow.

Last Updated: 4/15/2026

Conventional Loans

Purchase - 30 Year Fixed

Rate6.40%

1W Change 0.01%

APR6.40%

1W Change 0.01%

Refinance - 30 Year Fixed

Rate6.54%

1W Change 0.04%

APR6.54%

1W Change 0.04%
Last Updated: 4/15/2026

VA Loans

Purchase - 30 Year Fixed

Rate5.57%

1W Change 0.10%

APR5.90%

1W Change 0.09%

Refinance - 30 Year Fixed

Rate5.47%

1W Change 0.10%

APR5.79%

1W Change 0.09%
Last Updated: 4/15/2026

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Tomas Rodriguez to receive a personalized rate for your specific situation.

  • Tomas was so patient and understanding of our situation. He helped point us in the right direction for credit repair. It went so much faster than i expected. Tomas explained everything well, and we closed early so I could host Thanksgiving! Oscar - November 26, 2025
  • Thank you Tomas. I am forever grateful to you and God for now having my new home. Faniqua Hughes - June 18, 2025
  • I had an amazing experience working with Tomas. As a first-time homebuyer, I was a little nervous going into the process, but he made everything feel manageable and smooth from the start. Communication was excellent, and I didn’t have many questions because he was always one step ahead—thorough, responsive, and incredibly attentive to my needs.… Toy Walton - June 10, 2025
  • He is your one stop shop. Tomas is very knowledgeable. He presented options from multiple lenders and explained the pros and cons of each option. His team was very patient when my wife and I had questions. The home buying process was much easier than I thought, and we were able to close early. Devin - June 9, 2025
  • Tomas was great to work with! After having a really bad experience with another lender, he made it a point to ensure that everything went smoothly. He was patient and answered all my questions. Tomas shopped my loan around and us a really low rate compared to our local bank. The process was easy, and… Rose - May 1, 2025
  • Tomas and his team were great! After things didn't work out with another bank, we were referred to Tomas. He got us a great interest rate, and his team keep us in the loop the entire time. Highly recommend Chris W - April 15, 2025

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Illinois? Now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Latest News

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Your Home, Re-imagined

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Get in Touch

Contact Tomas Rodriguez

Tomas Rodriguez

1709 Tullamore Ave, Suite D
Bloomington, IL 61704
(855) 566-0081
NMLS# 1899061

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