About Bianca Stone
With 20 years of experience in the mortgage industry, I'm committed to making the home-buying journey as smooth and transparent as possible. As a Mortgage Loan Officer at Rate, one of the largest retail mortgage lenders in the U.S., I specialize in guiding both first-time homebuyers and seasoned homeowners through the process. From pre-approval to closing, I'll work closely with you, your realtor, and your attorney to ensure a seamless and harmonious experience. I take pride in providing personalized service that meets your financial needs, and I look forward to helping you achieve your homeownership goals with confidence.
*Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.490% | 6.700% | 0.749 ($2621.50) | $2209.94 |
| 15-year fixed | 5.375% | 5.816% | 0.906 ($3171.00) | $2836.63 |
| FHA loan | 5.990% | 6.968% | 0.75 ($2289.38) | $1964.90 |
| VA loans | 5.750% | 6.231% | 0.834 ($3407.73) | $2384.48 |
| Jumbo loans | 5.990% | 6.262% | 0.938 ($8442.00) | $5390.17 |
* Rates current as of 4/7/2025 12:45 am, provided by Bianca Stone, for Cook County, IL, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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- Track your home value
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Located at 1900 E. Golf Road, Suite L20 Schaumburg IL, 60173