Highland Park, Illinois Mortgage & Home Loans
Highland Park is an affluent North Shore community on Lake Michigan in Lake County, known for historic homes and a walkable downtown. Higher home prices bring jumbo loans into play for many buyers.
- Population 30,176
- Local, licensed guidance
Lake 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 Highland Park
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 Highland Park? Illinois Housing Development Authority (IHDA) programs and other down-payment assistance may be available in Lake County. See first-time buyer options →
Talk to a Highland Park loan officer
Tell us about your goals and a licensed loan officer will help you find the right loan for Highland Park. No obligation.
What are your goals?
Highland Park mortgage FAQ
Are jumbo loans common in Highland Park?
Many Highland Park homes exceed Illinois' $832,750 conforming limit, so jumbo loans are common. We can help you weigh conforming versus jumbo.
What loan limits apply in Highland Park?
Lake County uses Illinois' 2026 limits: $541,287 FHA (one-unit) and $832,750 conforming (jumbo above that).