Contact: (217) 355 9075 - Address: 702 Bloomington Road. Suite 205. Champaign, IL 61822 - Email:



Choosing a new home is stressful enough, and having to find a mortgage broker you can trust to help finance your purchase can be overwhelming. Adding to the stress is the fact that there seems to be literally hundreds of Champaign - Urbana mortgage brokers available to choose from.

Which mortgage broker is going to be the best fit for you?

We get asked some variation of this question almost every week. Before you make your decision, there are three important questions you must ask yourself. The answers to these questions will allow you to set expectations for your experience working with a mortgage broker as well as choose a mortgage broker who’s the best fit for you.

1) Is price the only factor in who you work with?

It’s completely OK if price is your sole motivation for which Champaign - Urbana  mortgage broker you choose. Just understand that like all things in life, (insurance included), you get what you pay for.

2) Does experience matter?

When we talk about experience in terms of Champaign - Urbana mortgage brokers, we mean both years in the business and working with a specific type of home purchase. Some mortgage brokers are better at single family homes, others a specific geographical area and others specialize in multi-family homes.

3) Does personality matter?

Mortgage brokers, like any other professionals, each have their own personalities and style of doing business. Acquiring a home loan isn’t always the simplest task. It’s important you partner with a professional with a personality and style of doing business that works with your own.

Once you’ve answered these questions and have a good feeling for what you’re looking for in a mortgage broker, it’s time to start interviewing potential candidates.

The Top 5 Champaign - Urbana Mortgage Brokers 

Below is a list of the Top 5 Champaign -Urbana Mortgage Brokers per our experience working in the Champaign, IL market for over 15 years. This list is in no particular order. It is our recommendation that you use this list as a guide in your search for a mortgage broker. It’s always prudent to interview multiple professionals. This list is no way a guarantee of results.

Francesca Hunter - Wells Fargo

Fran has 14 years experience as a mortgage loan processor and her schedule is flexible to accommodate the demanding lives of people today. Fran loves helping first time buyers, easing their worries and fears and helping them get a foot in the door of home ownership. Visit Fran's LinkedIn Page


Jan Buerkett - Busey Bank

Jan has been with Busey Bank for 22 years and has the expertise to help all customers, whether they are buying their first home or their dream home. She takes pride in being the advocate for the customer through the entire process. Visit Jan's Website 


Dan Marker - Hickory Point Bank & Trust

Dan has been helping Champaign Urbana residents with mortgage loans for over 14 years. Dan will explain the loan process and products to you step-by-step so there are no surprises at closing. Visit Dan's LinkedIn page


Jim McMurry - First Federal Savings Bank

Jim graduated from the U of I with a degree in Finance and has been helping people in the Champaign Urbana area for 12 years with home loans.Jim works with all types of clients from first time buyers to investors. Visit Jim's LinkedIn Page


Michael Hicks - LeaderOne Financial

Michael is a 10 year U.S. Army Veteran and has spent the last 12 year in Mortgage Origination. He specializes in VA Mortgage and also works with FHA and Conventional loans. Visit Michael's Website


Other Options outside of Champaign - Urbana

If you or your new home are located in one of the many wonderful communities that surround Champaign Urbana we have an option for you as well.


Angie Woodward - Busey Bank

Angie has lived in the Gibson City and surrounding area most of her life. She provides mortgage lending service in the Gibson City, Mahomet, Paxton and Rantoul markets for Busey Bank. Angie specializes in USDA Rural Housing Program along with Conventional and FHA/VA loans. Visit Angie's Website


Purchasing a new home is exciting. It marks a major change in your life even if you've done it before. Finding the right mortgage broker can make all the difference in your experience 


Protect your new home with quality coverage at the best possible rate in the market by calling us at (217) 355-9075 for a Home Insurance Proposal or use the contact us form on this website. 



Top 5 Champaign Urbana Mortgage Brokers for your next home loan by Dave Rueck








Congratulations! You are one of the chosen few to be on-boarded with the hottest home based company going right now LuLaRoe. Or maybe you have been with them for a little while already. Either way you have become quite popular as every woman seems to want to get her hands on those LuLaRoe fashions.

LuLaRoe Inventory


Things are probably a little overwhelming right now as you sort through and organize your inventory, plan your display set ups and book those parties, but I want you to take a few minutes to read this and make sure you have properly protected your major investment.

Sometimes people don’t give home-based business any thought from an insurance standpoint.  It’s estimated that over half of all home based businesses are under-insured.  The Independent Insurance Agents of America (IIAA) say nearly 40% of those they surveyed are under-insured because they thought their homeowners insurance policy covered their business.

Have you done anything to make sure your investment and business is properly insured?



Action Item #1- Check Your Policy to see how much Business Personal Property coverage your current policy has included 

LuLaRoe seems to have a higher start up and inventory cost than most other Home Based Businesses I have come across with many representatives spending $5,000 to $15,000 in inventory alone. 

Many LuLaRoe reps I have spoken with believe since they keep their inventory at home that it would be covered on their Homeowners Insurance. While your home insurance might cover some Business Personal Property (BPP), usually that amount is very small and only a fraction of your LuLaRoe investment, and many policies will only cover your BPP while in your home and not at all when you are out doing a show or event. 


Action Item #2- Is BPP (Business Personal Property) covered only at home?

You will probably doing many shows at friends and customers homes and maybe even some Ladies Night Out's and Vendor Fairs. You should check you policy and make certain that your BPP will be covered once you leave your home. After all we are talking about a major investment here. 


Action Item #3- Do you have clients/customers come to your home to transact business? Will your Policy Cover That? 

Most insurance companies are okay with home based businesses, provided they don't have foot traffic at the location. That means if you have clients come to your home it could be a Huge Red Flag for your insurance company. Your home policy is only set up for Personal Liability only, any time money changes hands it becomes a business transaction and opens you up for a huge gap in coverage and potential lawsuit in the event of an injury.


 Where do I go from here?

Don’t worry! It’s not all doom & gloom! You have options! Depending on how big of a  business you own there are options and that’s why it helps to talk to your insurance agent about what will work best for your home business.

Options range from endorsements on your home insurance policy, in-home business insurance policies and depending on the business, the potential need for a Business Owners Package policy (BOP). An independent insurance agent can help you find the best coverage and best protection for the best pricing.

We also will work with you to keep up on the changes to your business throughout each year.

Again, our congratulations! Whether it’s your first business venture or your tenth, we’re happy to count you among the business owners we know. We can’t wait to hear more about your dreams and consequently help you protect them!

If You would like to speak with us about your Illinois Insurance Options for your LuLaRoe business we can be reached at 217-355-9075.



Does My Car Insurance Cover me if I Drive for Uber or Lyft in Champaign Urbana Illinois?

Driving for Uber, Lyft or another ride-hailing company is a great way to earn a living or just make some extra cash. It's easy and convenient, but did you know that these companies don't provide full coverage for your vehicle if you get into an accident?

But don't worry, you have a great option! Rueck Insurance can provide the coverage you need, and the best part is that it can cost as little as $0.20 a day! That's right, you can protect your vehicle, family and livelihood for as little as a few pennies a day.*

We work with several companies who offer insurance for Uber, Lyft and Ride-Hailing drivers In Champaign, Urbana, Bloomington. Normal and all of Illinois


Call 217-355-9075 Today to Get a Quote.


Here's how it works

coverage UBER

The company for which you drive only provides limited insurance coverage during the time your ride-hailing app is on, but have not yet accepted a fare (Period 1). Once you accept a fare or are transporting a fare, you will have coverage under the commercial insurance policy for the company for which you drive.

It is very important to understand, however, that your personal auto insurance policy only provides coverage when your ride-hailing app is off. This means that when your app is on and you're looking for a fare, you probably aren't fully covered.


So at this point, you have to ask yourself... do I feel lucky?

Your answer should be no, because what if you get into an accident in Period 1? Who will pay to repair the damage to other vehicles and drivers, and who will pay to fix your car? It definitely won't be your insurance company, and it probably won't be the ride-hailing company's insurance company. It may be you.

Rueck Insurance to the rescue!

Our ride-hailing coverage will fill the gaps and provide you with high quality insurance that will provide you excess coverage in Period 1 when the TNC coverage isn't in effect. If you get into an accident and you're liable, we'll pay to fix the damage to the other vehicle(s), we'll pay for any resulting injuries, and we'll pay to have your vehicle fixed at one of our amazing repair facilities.**

Don't wait, make the call to one our agents today to get a quote and learn more. You'll be glad you did.

Call 217-355-9075 Today to Get a Quote.

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About Us

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois. Insurance shopping is easy when the Protection Team provides you with multiple quotes to choose from. You will always know you are getting the best coverage at the lowest possible price.

Contact Info

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075

Get a Quote