Mortgage Loans

5/5 Adjustable Rate Mortgage (ARM)

A smart mortgage option that combines long-term affordability with flexible terms — ideal for both home purchases and refinances.

What is a 5/5 ARM?
With a 5/5 Adjustable Rate Mortgage, your interest rate is fixed for the first five years and then adjusts every five years thereafter — offering stability with periodic rate flexibility.

Key Benefits:

• Affordable Entry Point: Typically lower initial rates compared to fixed-rate mortgages.

• Budget-Friendly Closing Costs: Closing costs capped at just $750. (Jumbo Loans greater than $750,000 will have maximum closing costs of $1,000.)

• Low Down Payment: Finance your dream with just 10% down — and no private mortgage insurance (PMI) required.

• Flexible Terms: Choose from 15, 20, or 30-year amortization options to fit your financial goals.

• Rate Adjustment Protections:

  • Adjustments only every 5 years

  • Capped at 2.00% per adjustment

  • Maximum 5.00% adjustment over the life of the loan

• Versatile Use: Great for both refinancing an existing mortgage or purchasing a new home.

• Local Expertise: Quick, local decision-making from people who know the Western Wisconsin real estate market.

• Personalized Support: Work with attentive, friendly loan advisors who are committed to helping you succeed.

Explore a home loan option that balances security and flexibility — all backed by the local service you trust.

Complete Your Application

Download our Mortgage Application and enter your information. You can drop off your completed application at our office or submit it online with our secure email service.

For current rates call your local lender at 608-323-2126 or 1-800-325-2126.

Fixed Rate Home Loans

Enjoy the peace of mind that comes with predictable monthly payments and a stable interest rate for the life of your loan.

Why Choose a Fixed Rate Mortgage?
Fixed rate loans offer consistent payments, making it easier to plan your budget and long-term financial goals.

Key Features:

• Stable & Predictable: Lock in your rate for the entire loan term — no surprises.

• Flexible Term Options:

  • In-House 10-Year Fixed Rate Mortgage – perfect for faster payoff and lower overall interest.

  • Conventional 15, 20, & 30-Year Mortgages – ideal for a variety of homeownership goals and budgets.

• Trusted Local Advisors: Friendly, experienced loan officers with deep knowledge of the Western Wisconsin real estate market.

Choose the simplicity and reliability of a Fixed Rate Mortgage — backed by local service you can count on.

Complete Your Application

Download our Mortgage Application and enter your information. You can drop off your completed application at our office or submit it online with our secure email service.

For current rates call your local lender at 608-323-2126 or 1-800-325-2126.

Recreational Land & Vacation Home Loans

Turn your getaway dreams into reality — whether it’s a cabin in the woods, a lakeside retreat, or a piece of land for future adventures.

Why Finance with Us?

We make financing recreational properties simple, affordable, and local — with low costs and flexible terms designed to help you enjoy more and stress less.

Key Benefits:

• Low Closing Costs: Pay no more than $750 in closing costs — keeping more money in your pocket. (Jumbo Loans greater than $750,000 will have maximum closing costs of $1,000.)

• Low Down Payment: Finance your dream with just 10% down — and no private mortgage insurance (PMI) required.

• Long-Term Flexibility: Enjoy terms of up to 30 years for manageable monthly payments.

• Local Experts: Get guidance from friendly loan advisors who understand the unique recreational property market in Northern & Western Wisconsin.

• Fast, Local Decisions: We offer a quick, local approval process tailored to your needs.

Whether it’s for weekend escapes or long-term investment, our Recreational Land & Vacation Home Loans are designed to help you make the most of every season.

Complete Your Application

Download our Mortgage Application and enter your information. You can drop off your completed application at our office or submit it online with our secure email service.

For current rates call your local lender at 608-323-2126 or 1-800-325-2126.

Construction Loans

Build your dream home with confidence — backed by flexible terms, competitive rates, and trusted local support every step of the way.

Build Smarter with Our Construction Loans:

• Competitive Rates: Affordable financing tailored to your home construction project.

• 9-Month Terms: Designed to fit your building timeline and construction needs.

• Versatile Use: Perfect for primary residences, second homes, or home improvement projects.

• Streamlined Process: Get convenient approval for permanent financing at the same time as your construction loan — no need to reapply later.

• Interest-Only Payments: Make monthly interest-only payments on the funds you've drawn.

• Pay-As-You-Build: Funds are disbursed in construction draws, based on completed work, and payments are made only on the amount drawn — ensuring your builder gets paid on time.

Our experienced team understands the ins and outs of home construction in Western Wisconsin and will work closely with you from groundbreaking to move-in day.

Complete Your Application

Download our Mortgage Application and enter your information. You can drop off your completed application at our office or submit it online with our secure email service.

For current rates call your local lender at 608-323-2126 or 1-800-325-2126.