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Thanks to a new partnership between Standard Bank and the Illinois Housing Development Authority,

attaining that dream is easier than ever.

Owning your own home:

It’s STILL the American Dream!

7800 West 95th StreetHickory Hills, IL 60457866.499.BANK | standardbanks.com

SmartMove smart choice!Waiting for the best time to buy a home? With the new SmartMove program from the Illinois Housing Development Authority, the best time is NOW!

Interest rates and home prices are low, but for many first-time home shoppers, lack of a down payment and difficulty getting a loan has meant home ownership was still out of reach. Now a new state program offers a way to overcome those obstacles, and the experienced mortgage counselors at Standard Bank are here to help with every step of the process.

About the SmartMove program:

It’s attainable AND affordable: Low-interest loans and reasonable qualification requirements are specially designed for 1st-time buyers and veterans.It offers help with the down payment: Qualified buyers can receive up to $6000 in down payment/closing cost assistance, so personal funds can be kept in savings or used for furniture and other expenses.It requires a minimum buyer contribution: Buyers contribute only $1000, or 1% of the value of the home, whichever is greater. For most buyers, this allows quick action and an earlier move-in.It provides special terms for targeted areas: Those purchasing in targeted geographic areas are not required to be first-time buyers, and higher income and purchase prices are allowed.

It’s easy! Just call or visit your neighborhood Standard Bank, and talk to one of our professional mortgage counselors. They can help you to quickly determine if you’re eligible, and then get the process started. You’ll be in your new home before you know it!