Fixed Rate Mortgages

Tried, tested and true.

Overview
Free prequalification from a trusted community bank. Get the stability and consistency of predictable monthly principal and interest payments for the life of the loan.

Features
  • Flexible repayment terms
  • Purchase or refinance
  • Low closing costs
  • Fixed monthly payments
  • Automatic payment options available
  • Escrow of taxes and insurance option available
  • No prepayment penalty
  • Owner occupied and non-owner occupied properties (1-4 family dwellings and second homes)
  • Credit decision made locally

Adjustable Rate Mortgages (ARMS)

Flexibility right where you want it.

Overview
Free pre-approval from a trusted community bank. Get traditionally lower initial mortgage payments and flexible underwriting standards.

Features
  • Flexible repayment terms
  • Purchase or refinance
  • Low closing costs
  • Automatic payment options available
  • Escrow of taxes and insurance option available
  • No prepayment penalty
  • Owner occupied and non-owner occupied properties (1-4 family dwellings and second homes)
  • Payments adjust after the initial fixed interest period according to your loan program
  • Rates are capped to protect you against dramatic increases in interest rates
  • Credit decision made locally

Construction Mortgages

If you can't find it, build it.

Overview
The flexibility you need to build your dream home that converts easily into a standard mortgage.

Features
  • Flexible terms
  • Fixed rate
  • Low closing costs
  • Contractor built, turn-key homes
  • Pay interest only on funds as you need them

Wisconsin Housing and Economic Development Authority (WHEDA)

Wisconsin proud.

Overview
First-time home buyer option to purchase a home, this is for first-time home buyers in the state of Wisconsin.

Features
  • Income requirements
  • Purchase price limits
  • Low down payment
  • Traditionally lower interest rates
  • Competitive closing costs

Home Equity Loans

Let your home work for you.

Overview
Put the equity in your home to work with the benefits of a fixed rate and payment.

Features
  • Fixed rate loan
  • Fixed payments
  • No prepayment penalty
  • Flexible loan-to-value ratio
  • Minimal closing costs
  • Potential tax benefit*
  • Credit decision made locally

Home Equity Line of Credit

There when you need it.

Overview
A flexible line of credit that you can draw from when you need it. For a new car, vacation, home improvement or education expenses.

Features
  • Variable rate line of credit
  • Interest only payments available
  • No prepayment penalty
  • Minimal closing costs
  • Five year draw period
  • Potential tax benefit*
  • Credit decision made locally
*Please consult your tax advisor.