Fixed vs Adjustable-Rate Mortgages: How to Choose
Should you lock in a fixed rate or start with an adjustable one? Here's how the two mortgage types compare.
Read ArticleYour Point of Clarity for Every Money Decision
Finance Zone Point brings loans, investments, taxes and insurance together, so you can make confident financial choices for today and tomorrow.
Independent advice
Transparent fees
Local Evanston team
Our Services
Six connected services designed to help you borrow smarter, grow your wealth and protect what matters.
Personal Loan
Fixed-rate personal loans for home projects, big purchases or life events, with simple terms and quick decisions.
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Credit Loan
A single lower-rate credit loan to replace several high-interest card balances and help you get debt-free faster.
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Mortgage Loan
Fixed and adjustable-rate mortgages for buying or refinancing in Evanston, Chicago and across the North Shore.
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Wealth and Investment Planning
Goal-based investment plans, retirement accounts and diversified portfolios reviewed as your life changes.
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Tax Advisory
Federal and Illinois tax planning and preparation for individuals, families, freelancers and small businesses.
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Insurance Services
Term and permanent life, disability, home and auto coverage that fits your family and your budget.
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About Finance Zone Point
Finance Zone Point is an independent financial services firm in Evanston, Illinois. We help individuals and families make sense of their options, from choosing the right mortgage to planning investments and protecting their families. Our lending, investment, tax and insurance specialists work as one team, so your plan stays connected.
- Plain-language advice
- No sales pressure
- One coordinated plan
- Flexible meetings
Savings Goal Planner
Saving for a down payment, a new car or a dream trip? Find out how much to set aside each month to reach your goal on time.
Estimate only. Assumes monthly deposits and a steady return compounded monthly. Actual returns vary.
Which Loan Fits You?
A quick side-by-side look at our three lending options.
| Feature | Personal Loan | Credit Loan | Mortgage Loan |
|---|---|---|---|
| Best for | One-time expenses and projects | Paying off card balances | Buying or refinancing a home |
| Payment | Fixed monthly payment | Fixed monthly payment | Fixed or adjustable |
| Collateral | None required | None required | Secured by your home |
| Simplifies debt | |||
| Can lower interest costs |
How It Works
Schedule
Book a free consultation at a time that suits you.
Discuss
Share your goals, questions and current finances.
Plan
Get clear recommendations you can act on.
Move Forward
We help you take each step and check in along the way.
Client Stories
★★★★★
Finance Zone Point explained exactly what was holding my credit score back. Six months later, I qualified for a much better mortgage rate.
Christopher Bennett
★★★★★
We compared fixed and adjustable mortgages side by side, and finally understood the tradeoffs. We bought our Evanston home with total confidence.
Olivia Hayes
★★★★★
Their savings plan helped me set aside money every month for a down payment. Simple, realistic and it actually worked.
Brian Novak
★★★★★
They helped us choose term life coverage that fit our budget and covers the years our kids depend on us most.
Rebecca Walsh
★★★★★
Rolling my credit cards into one loan cut my interest and gave me a clear payoff date. I'm almost debt-free.
Jason Kowalski
★★★★★
Our taxes, investments and insurance are finally coordinated. It's a relief to have one team that sees the whole picture.
Natalie Brooks
Latest Blog
All Articles
Term vs Whole Life Insurance: What's the Difference?
Life insurance protects the people who depend on you. Here's how term and whole life coverage compare.
Read ArticleCommon Questions
Yes. Your first meeting is free with no obligation. We'll review your goals and explain your options before any fees apply.
No. We start with a soft credit check that doesn't affect your score. A hard inquiry only happens if you decide to apply.
Yes. We prepare and plan for both federal and Illinois income taxes, along with property tax questions for homeowners.
Yes. Visit our Evanston office or meet with us by phone or video, whichever is easiest for you.
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