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Ready when “the one”

Hits the Market

Whether it’s your first home, a second home, or your forever home, we provide the fast pre-approvals and personalized mortgage solutions you need to move when the right house hits the market.

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Find the Mortgage That Fits
Your Stage of Life

First-Time Buyer

We take the guesswork out of the process with programs designed to get you through the front door with confidence.

  • Check icon Low or no down payment
  • Check icon First-time buyer programs
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Experienced Buyer

Whether you’re upgrading for more space, relocating for a career, or investing in a second home, we bring expert mortgage solutions and a streamlined process.

  • Check icon Vacation / second homes & investment properties
  • Check icon Conventional & jumbo loans
  • Check icon Seamless bridge financing
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What to Expect When
Applying for a Mortgage

Apply

Start with a quick prequalification to get an idea of how much you may be able to borrow.

Shop

Work with a real estate professional, browse available properties, and check home values to find the right fit.

Close

Provide remaining financial documents, then review and sign your loan documents, before receiving the keys to your new home.

Ready to Run the Numbers

Know what to expect before you buy. Our easy-to-use mortgage payment calculator helps you estimate your monthly payments, just adjust the numbers to see what fits your budget and plan with confidence.

Calculate My Mortgage
Investing

How to prepare

Let’s make your dream home a reality. Here’s what we recommend you gather to get started:

  • Most Recent Paystub
  • 2 Years of Federal Tax Returns
  • 2 Years of W-2s
  • 2 Months of Bank Statements
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The documents listed above are commonly requested during the mortgage process. Providing them is not required to a submit a mortgage application.

LIMITED / LOW DOWN PAYMENT PROGRAMS

FHA Loans

FHA loans are insured by the Federal Housing Administration, making it easier for first-time and moderate-income buyers to qualify. These loans typically require a smaller down payment and more flexible credit requirements, helping you step into your first home with confidence.

VA Loans

VA loans are designed exclusively for eligible veterans, active-duty military personnel, and certain military spouses. They often require no down payment or private mortgage insurance, making homeownership more accessible for those who’ve served our country.

Down Payment Assistance

Down payment assistance programs provide grant funds to help income-eligible homebuyers cover upfront homeownership costs. These programs can reduce the amount needed at closing, making homeownership more affordable and accessible for qualified buyers.

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Learn More from experts

connect with an expert

Brett Kemmer

Brett Kemmer

Mortgage Loan Officer
Email Call
NMLS #411288
West Central Wisconsin | Southeast Minnesota
Chris Ryder

Chris Ryder

Mortgage Manager
Email Call
NMLS #481034
West Central Wisconsin | Chippewa Valley
Kaylea Payer

Kaylea Payer

Mortgage Loan Officer
Email Call
NMLS #2284901
Northern Wisconsin
Margaret Tozier

Margaret Tozier

Mortgage Loan Officer
Email Call
NMLS #402052
Eastern Wisconsin | Metro Minnesota
Nathan Wester

Nathan Wester

Mortgage Loan Officer
Email Call
NMLS #2486978
West Central Wisconsin | Chippewa Valley
Samantha Paris

Samantha Paris

Mortgage Loan Officer
Email Call
NMLS #979978
South Central Minnesota | Southeast Minnesota

FAQS

It starts by taking an application with one of our mortgage loan officers. Once they have your personal information and your intent to proceed, we’ll request and verify documentation related to your credit, income, assets, and any other applicable pieces needed to qualify you.

A prequalification provides you with an estimate of how much your mortgage loan officer believes you can afford to borrow when purchasing a home. Your mortgage loan officer will rely on the information you provided in making this determination.

Being preapproved means you have submitted an application and your loan officer has reviewed and verified your financial information and credit history. A preapproval letter will be issued informing you of the Bank’s willingness (not a guarantee) to lend a specific amount to you.

Typical loans start at 3-5% down but some are available for less down. All down payment requirements are subject to qualifications.

Mortgage loans are used to buy a home or to borrow money against the value of a home you already own.

We’ll give you money to buy or refinance a property with an agreement that you will pay back the loan with interest over the course of several years.

A vacation home, or secondary home, is one that you occupy for a part of the year while keeping residency at your primary home.

Typical loans start at 10%-20% down. All down payment requirements are subject to qualifications.

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