Belleville, Illinois Mortgage & Home Loans
Belleville is the largest city in the Metro East region near St. Louis, with a historic downtown and affordable housing. Its proximity to Scott Air Force Base also makes VA loans especially relevant for many local buyers.
- Population 42,478
- Local, licensed guidance
St. Clair County loan limits (2026)
- FHA loan limit (1-unit)
- $541,287
- Conforming limit (1-unit)
- $832,750
- Jumbo loan threshold
- Above $832,750
Illinois has no high-cost counties, so these limits apply statewide. Figures as of 2026 and subject to change — verify current limits with FHFA/HUD. Not a commitment to lend.
Loan options in Belleville
Purchase Loans
Buy your next home with a loan matched to your budget and goals.
Learn moreRefinance Loans
Lower your rate, change your term, or tap equity with a refinance.
Learn moreFHA Loans
Low down payments and flexible credit for first-time and repeat buyers.
Learn moreVA Loans
Zero-down financing for eligible veterans, service members, and spouses.
Learn moreUSDA Loans
No-down-payment loans for eligible homes in rural Illinois communities.
Learn moreJumbo Loans
Financing above the conforming limit for higher-priced Illinois homes.
Learn moreFirst-Time Home Buyers
Programs, down-payment assistance, and guidance for your first purchase.
Learn moreFirst-time buyer in Belleville? Illinois Housing Development Authority (IHDA) programs and other down-payment assistance may be available in St. Clair County. See first-time buyer options →
Talk to a Belleville loan officer
Tell us about your goals and a licensed loan officer will help you find the right loan for Belleville. No obligation.
What are your goals?
Belleville mortgage FAQ
Are VA loans common in Belleville?
With Scott Air Force Base nearby, many Belleville buyers are service members and veterans for whom VA loans — with no down payment for eligible borrowers — are a strong fit.
What loan limits apply in Belleville?
St. Clair County uses Illinois' 2026 limits: $541,287 FHA (one-unit) and $832,750 conforming.