Myth vs. Truth

You thought owning a home meant unlimited freedom, but the truth is you're Adulting Level 1000 with so many things that need your attention. You have quick weekend projects you want to get done... Haha. Quick. Good one. The project will always take longer than you think. Keep the finance part quick and easy.

Let's talk through the options so you can choose the loan that works best for you! 
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Would refreshing your rate or changing your payment options make your projects possible? It's a myth that refinancing has to be a long and hard process, the truth is it doesn't have to be. By working with us, you enjoy a local process with a team right here in Wisconsin. We'll help you refinance to meet your goals. And thanks to our not for profit status, we can offer remarkably low rates. 

Rates* as low as
term rate apR points monthly payment**
30 year fixed 3.500% 3.539% 0.000 $673.57
15 year fixed 2.875% 2.945% 0.000 $1,026.88

Rates accurate as of 6/17/2021.

These nifty calculator links can help you realize your refinance options:

*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. Private Mortgage Insurance (PMI) required for Fixed Rate Mortgage loans with a term greater than 15 years and less than 20% down and no cash out. Additional rates and terms are available.
 
**Actual payments will be higher with taxes and insurance. Fixed Rate – Displayed rates assume a first mortgage with a value of $250,000 with loan amount of $150,000 and a minimum credit score of 740. Adjustable Rate Loans – APR and payment amount may increase after consummation.
 
General Disclosures
If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, settlement agent fees, and origination charges). When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
The estimated total closing costs used in the calculation above do not constitute and are not a substitute for a loan estimate, which includes an estimate of closing costs you will receive once you apply for a loan. This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include other additional fees and costs.
If you are a service member on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the relief you may be eligible for under the Servicemembers Civil Relief Act or applicable state law.
You've worked hard to build equity in your home. It's payback time. Your home is saying, "You know you want to use use my equity for something...how about one of those home improvement projects? You deserve it!" It's a myth that your home can't work for you, the truth is utilizing your home equity is an easy way to secure a low rate loan for whatever project you want. 
Get the cash you need in one lump sum up front and pay it back over a fixed term. 

Home Equity Loan Rates*
term rate apR points monthly payment**
5 year fixed 2.75% 3.035% 0.000 $446.45
7 year fixed 2.75% 2.956% 0.000 $327.52

*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.
 
**Fixed Rate – Displayed rates and payments based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value) and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. Additional rates and terms are available. This monthly payment does not include taxes or insurance.
 
Use your home's equity to your advantage. It's a myth that DIY projects always work out without hiccups...the truth is they often end up feeling like a dumpster fire and a professional needs to get involved anyways. Our low-rate HELOC gives you instant access to funds for any purpose such as covering that unexpected bill when duct tape didn't fix the problem. You'll be glad you have it at your disposal. 
Borrow money as you need it instead of in one lump sum and only pay interest on what you borrow. 

Home Equity Line of Credit (HELOC) Rate
term APR* monthly payment**
Up to 10 year draw period 3.25% $100

This handy-dandy calculator link can help you:

*APR = Annual Percentage Rate. APR is based on owner occupied status, credit score and a loan to value (LTV) of 80% or less. Variable rate tied to Wall Street Prime Rate, with a floor of 3% and a maximum rate of 11.50%. Rates and terms are subject to change at any time and without notice.
 
**Monthly payment is based on balance of $10,000. Minimum monthly payment will equal the greater of $100.00 or $1.00 for each $100 (and fraction thereof) of the Principal Loan Balance as of the end of the month of the billing cycle of the most recent advance. This monthly payment does not include taxes or insurance.