No matter your home mortgage need ... we can help!
Experience fast, simple and affordable home financing with local decision-making and friendly service.
We make the mortgage application process easy, and we’ve got a variety of programs, rates, and term options to fit your project and budget.
Click a link below for more information on each program:
- Refinance Your Home Loan
- Purchase a New Home
- United States Department of Agriculture (USDA) Loan
- Veterans Administration (VA) Loan
- Federal Housing Administration (FHA) Loan
- Fixed Rate Mortgage
- First Time Homebuyers
Questions? Ready to get started?
If you have a question about our home mortgage program or the application process, or are ready to apply, email firstname.lastname@example.org, call 1-888-686-9998 or contact a mortgage lender near you!
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Meet our Mortgage Lenders
NMLS ID 523900
NMLS ID 426412
NMLS ID 1930914
NMLS ID 769494
NMLS ID 173987
Investors Community Bank NMLS ID 409119
Refinance Your Home Loan
If you're thinking about refinancing your current home mortgage for a lower interest rate, you're not alone. Maybe you have some home projects you'd like to do and equity in your home to use toward it? Whatever your reason, interest rates are now low. Now is the time to have a conversation with our home loan experts to see if the time is right for you!
Purchase a New Home
With summer right around the corner, home buying season is in full swing. Homes tend to move quickly in the current real estate market, and most realtors require a pre-approval before you shop. Whether you're interested in a fixed or adjustable rate mortgage, we have options for you. Did you know a home purchase only requires 5% down? AND if you are a first time home buyer, you may be able to put as little as 3% down! Contact one of our home loan experts about getting pre-approved before you shop for more buying power!
Is your home or the home of your dreams located in a rural area? Give us a call and ask about a USDA loan. USDA loans are available to property buyers who meet certain eligibility requirements such as income and living in a designated rural area.
Many people don’t know that USDA loans are NOT just for low-income buyers and lower priced homes. As a matter of fact, most people would be surprised that a family of five could make six figures in some counties and still meet the income guidelines. USDA rural development loans are loans guaranteed by the government to encourage growth in rural areas. They are 30-year, fixed-rate mortgages and require NO money down. If the home of your dreams is located in a rural area, like much of Wisconsin is, a rural development USDA loan just might be right for you.
Veterans Administration (VA) Loan
To show appreciation for our Veterans and their families, Investors Community Bank offers VA loans. This no-money-down option offers qualifying veterans and surviving spouses government backed mortgages. There’s an advantage of refinancing with a VA home loan too. VA homeowners can refinance up to 100% of the home’s value, and veterans don’t have to pay for mortgage insurance. A non-VA home loan requires some equity in the house.
VA loans come with a fixed rate and terms. The VA guarantees a portion of the loan, which allows private lenders like us to offer more affordable terms.
Federal Housing Administration (FHA) Loan
If you are a first-time home buyer who needs a lower down payment, have less than perfect credit, or minimal equity in your current home, an FHA loan might be a good fit for you. These loans are insured by the FHA, require a 3.5% down payment and are subject to mortgage insurance premiums and other requirements.
If you plan to own the home for more than seven years and need an interest rate and payment that stays the same for the life of the loan, this popular option may be for you. Investors Community Bank offers fixed-rate loan options.