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Frank Toland

As Vice President of Residential Mortgage Lending, (NMLS#138479) Frank is excited to join the team at Town Center Bank after spending the last 11 years at Lincoln-way Community Bank. Frank was a one-stop service and managed all aspects of the loan process from application to closing.

Contact Frank at or call 815-463-7028!

Gina Persiani

As Vice President of Consumer Lending, (NMLS#512344) Gina thoroughly understands how to tailor your new mortgage or refinance for your goals and unique financial situation. With Gina’s personal attention, you can close in 30 days or less.

Contact Gina at or call 815-463-7040!

Today's Mortgage Rates (Based on $250,000 Loan and $2,000 Closing Cost) Last Updated: July 18, 2024

APR is defined as Annual Percentage Rate: Rates and terms are subject to change without notice: Posted rates and APR are calculated with zero points: Conventional rates posted are based on an 80% loan to value ratio; FHA rates posted are based on the maximum allowable loan to value ratio of 96.50%; Cash out refinances may have an increased interest rate; payments do not include amounts for taxes and insurance premiums. If applicable, actual payment may be greater; all offers subject to credit approval.

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $726,200 for the contiguous state, District of Columbia, and Puerto Rico or below $726,200 for Alaska, Guam, Hawaii, and the Virgin Islands) are calculated based on a loan amount of $250,000 with closing costs of $2,000 , 80 % loan to value, 740 credit score, and 30 day rate lock. Your actual APR may be different depending upon these factors.

Home Mortgage Loans

Many dream of homeownership but few actually know the steps to make it a reality. Town Center Bank provides unique, flexible tools to get you a home.

  • A wide range of terms customized to your unique situation:
    -Conventional fixed rate mortgages.
    -First time home buyers
    -Adjustable rate mortgages
    -FHA Loans
    -VA Loans
    -Jumbo mortgages (For higher-value properties)
    -Condo, Townhouse & Multi-family
    -Investment properties
  • Free pre-qualifications
  • Attentive and friendly service from start to finish

Home Equity Lines of Credit

Flexibility to access funds for current and future expenses.

  • Perfect timing:
    -Finance child’s education
    -Pay off higher interest loans
    -Remodel your home
    -Purchase vehicle
    -And much more!
  • No application fee

Home Equity Loans

When you need to borrow a specific amount of money for a specific amount of time, Town Center Bank’s Home Equity Loan is your answer.

  • Competitive rates for short term or one time needs
  • Flexible repayment terms
  • Helpful and friendly service from start to finish

Installment Loans

For larger purchases, such as a new vehicle, Town Center Bank installment loan can make payments fit comfortably into your budget.

  • Borrow a specific amount
  • Fixed interest rate for life of loan
  • Fixed term and monthly payments

For more information or to apply please contact us at:

(815)806-7001 Frankfort, (815)463-7002 New Lenox