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First Home. Next Home. A Home Away From Home.


Buying your perfect home is easy with our online application and the personalized advice from a local, experienced loan officer.

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Customized Loan Options

We understand finding your perfect home takes time. Let us help you relax while you shop with these loan options:

Lock and Shop

Lock In Your Rate for 180 Days

Protect yourself in a rising rate environment and have peace of mind your rate is locked while shopping for your perfect home.

Vacation Homes

Loans up to $3 million

Take advantage of long-term fixed rate financing for loans up to $3 million for your next home.

Construction Loans

Single Close Construction Loans With Down Payments As Low As 5%

Just as a solid foundation is important to any well-constructed house, financing is critical to the construction process as a whole.

 

Community Heroes

Special rate discounts up to 0.15%

We’re honored to reward heroes for serving, protecting and caring for our community.

Community heroes include EMTs, Firefighters, First Responders, Law Enforcement, Paramedics, Registered Nurses, Pre-K-12 Teachers, School Nurses, School Social Workers

Doctor

Zero Down Payments

Whether you are finishing your residency or are an established Doctor, you can finance your new home with zero down and long-term fixed rate financing.

Professionals

Zero Down Payments

Specially designed for professionals who have unique needs and desire exclusive financing options to help craft their story.

Professionals include Residents, Fellows, Physician Assistants, Nurse Practitioners, Nurse Anesthetists, Anesthesiology Assistants, Veterinarians, Optometrists, CPAs, Attorneys, Physical Therapists, Pharmacists, Chiropractors and Occupational Therapists

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Why Partner With Us?

For over 50 years, we've been invested in the success of our customers and our Wisconsin communities.

Number 1 Privately Owned Bank
Ninety Six Percent Client Satisfaction Mortgage
Number 14 Most Philanthropic Company

Lock’n’Shop is only available on certain 15 and 30 year fixed rate Freddie Mac mortgage loan options. Not available without required documentation to obtain a fully underwritten preapproval. Lock’n’Shop locks your initial interest rate for up to 180 days. Your interest rate will depend on the date you lock your rate. Additional conditions or exclusions may apply.

Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Certain conditions, terms, and restrictions may apply based on the loan program selected. The term of the loan may vary based upon program chosen. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required. Private mortgage insurance may be required on loans with less than 20% down.

Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. The term of the loan will vary based upon program chosen. Certain conditions, terms, and restrictions may apply based on the loan program selected. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required. Permanent financing is subject to additional credit approval and property valuation.

Construction Loan: Note is modified during the construction period to call for a monthly payment of interest only on funds advanced. The timing of the request to convert to fixed rate financing or to modify the rate is product dependent and may range from 180 days before to 30 days after final draw. The new interest rate will be determined by the term and rate lock period being requested.

Lot Loan: The Annual Percentage Rate is 9.04% effective 04.01.24 for a period of one year. Rates and payments based on 85% Loan to Value. Minimum down payment of 15% required. Your loan payment will be locked in at a 1, 2, or 3 year payment schedule as selected, amortized over 20 years. A monthly payment on a $100,000 3 year lot loan with a 240 month amortization at 8.625% is $8.76 per $1,000 borrowed. At the end of the loan term, the principal balance remaining unpaid will be due in full, plus any unpaid charges due but not collected during the term of the loan. The loan may be eligible for renewal based on current credit approval, underwriting guidelines and subject to property approval. Actual payments/ monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance. If applicable, flood insurance may be required. Required closing costs, including property appraisal and title insurance, range from $2,000 to $2,500.

Doctor/Dentist (ARM): The Annual Percentage Rate is 7.965% effective 01.04.24 for a period of one month. Rates and payments based on 90% Loan to Value. Minimum down payment of 10% required. The interest rate on these loans vary and may increase after consummation. The interest rate cannot increase or decrease more than 2%-6% at the first adjustment period; and not more than 1%-2% at each subsequent adjustment period. Your interest rate cannot increase or decrease more than 6%-8% over the term of the loan. The interest rate will be based on the 30-day average SOFR (the index) as published by the Federal Reserve Bank of New York, plus our margin rounded to the nearest one eighth of one percentage point (0.125%). The initial rate may include a premium or discount and may not be based on the current index value. A monthly payment on a 360 month fully amortized $1,750,000 mortgage loan at 7.75% is $7.16 per $1,000 borrowed. Payments include principal and interest. Actual payments/monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance and, if required, flood insurance. Required closing costs, including property appraisal and title insurance, range from $2,500 to $3,000.

Doctor/Dentist (Fixed): The Annual Percentage Rate is 8.552% effective 01.04.24 for a period of one month. Rates and payments based on 90% Loan to Value. Minimum down payment of 10% required. A monthly payment on a 360 month fully amortized $1,750,000 mortgage loan at 8.50% is $7.69 per $1,000 borrowed. Payments include principal and interest. Actual payments/monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance. Required closing costs, including property appraisal and title insurance and other fees range from $2,500 to $3,000.

Professional (ARM): The Annual Percentage Rate is 7.971% effective 01.04.24 for a period of one month. Rates and payments based on 90% Loan to Value. Minimum down payment of 10% required. The interest rate on these loans vary and may increase after consummation. The interest rate cannot increase or decrease more than 2%-6% at the first adjustment period; and not more than 1%-2% at each subsequent adjustment period. Your interest rate cannot increase or decrease more than 6%-8% over the term of the loan. The interest rate will be based on the 30-day average SOFR (the index) as published by the Federal Reserve Bank of New York, plus our margin rounded to the nearest one eighth of one percentage point (0.125%). The initial rate may include a premium or discount and may not be based on the current index value. A monthly payment on a 360 month fully amortized $1,000,000 mortgage loan at 7.75% is $7.16 per $1,000 borrowed. Payments include principal and interest. Actual payments/monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance and, if required, flood insurance. Required closing costs, including property appraisal and title insurance, range from $2,500 to $3,000.

Professional (Fixed): The Annual Percentage Rate is 8.559% effective 01.04.24 for a period of one month. Rates and payments based on 90% Loan to Value. Minimum down payment of 10% required. A monthly payment on a 360 month fully amortized $1,000,000 mortgage loan at 8.50% is $7.69 per $1,000 borrowed. Payments include principal and interest. Actual payments/monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance. Required closing costs, including property appraisal and title insurance and other fees range from $2,500 to $3,000.