Real Estate Loans

Conventional Fixed Rate Mortgage:

  • Purchase or refinance of primary residence, second home or investment property
  • Fixed interest rate for the life of the loan
  • Loan terms available from 10 years to 30 years
  • Down payment requirements may vary depending on property type and credit eligibility

Adjustable Rate Mortgage (ARM):

  • Purchase or refinance of primary residence, second home or investment property
  • Initial interest rate fixed for 1-year, 3-years or 5 years
  • After initial rate lock, rate may adjust annually or every two years, depending on your loan contract, in accordance with a specified market index.
  • Limits on interest rate adjustments apply

Construction Loan or Home Improvement Loan:

  • Build your new home or remodel your existing home
  • Short term loans with interest only payments during the building or remodeling process

Home Equity Loan/Home Equity Line of Credit:

  • Use equity in your existing home for your own personal needs
  • Competitive rates and the interest may be tax deductible (Consult your tax advisor on tax deductibility)


  • Purchase of primary residence
  • 30-year fixed interest rate
  • Purchase with as little as 3% down payment
  • Income and purchase price limits apply
  • Visit for more information.

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Please contact one of our Loan Officers/Lenders for an application or to set up an appointment

 Kerry-Randall Kerry Randall                             Real Estate Loan Officer             (608) 847-6200 ext. 274   NMLS# 440424



Mary Preuss
Real Estate Loan Officer
(608) 847-6200 ext. 249   NMLS# 440423
SONY DSC  JK Walsh                          Necedah Branch Manager                (608) 565-6200  NMLS# 440408
SONY DSC Jackie Myers
Dells Delton Branch Manager
(608) 253-7030       NMLS# 440407
SONY DSC Karen Bell
New Lisbon Branch Manager
(608) 562-6200  NMLS# 440406