Mortgage Center for Home Loans

Local Home Loans Local Experts

Whether buying your first home or refinancing your current one, our team of Local Home Loan Experts is here to help you find the right mortgage program to meet your specific needs! Take advantage of our competitive rates & available down payment assistance programs including fixed and adjustable rate conventional mortgages, and government-backed options such as FHA, USDA, VA, and WHEDA.* 

Featured Program

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Home Equity 

Home equity is calculated using the difference between what your home is worth and what you still owe on your mortgage. Our Local Home Loan Experts in Manitowoc and Sheboygan can help you find that magic number so you can use the equity in your home to do the remodel you've been putting off, make the addition you've been dreaming about, and more!

With an affordable home equity loan, you can also use your funds for other activities such as: 

• Reducing your energy bills with new, energy-efficient appliances
• Covering college (education) expenses
• Refinancing a home equity loan you have elsewhere
• Consolidating higher rate debt

10 Year Fixed - Home Equity Loan    Apply Now 
 

Let's talk benefits of home ownership!

• Build equity - Homes typically increase in value, build equity & provide a nest egg for your future
• Stabilize housing costs - You could become a homeowner & pay the same or less than what you are paying as a renter
• Create your own space - Say goodbye to needing approval from a landlord to paint or carpet
• Improve your credit score - Buying a house can improve your credit score, if payments are managed well

Apply Now    Book Appointment    Mortgage Center Log In  Email Mortgage Team  
 

Listen to the latest episode of our podcast, At Home on the Lakeshore.

Also, read this article that takes you behind the scenes of the underwriting process.

Is your home loan serviced by Servion Mortgage or WHEDA?

Utilize the web portals below to access loan information, manage payments, and track your loan history:

Servion Mortgage Servicing

WHEDA Mortgage Servicing

*Interest rate and APR (Annual Percentage Rate) are effective as of July 8, 2024 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Interest Rate and APR are based upon a refinance transaction with a credit score above 740 and 80% LTV. Rates are available on 1st or subordinate mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on 1st mortgage loans more than 80% LTV (loan-to-value). A payment based upon a $100,000 loan amount, 120-month amortized term, with a 5.75% interest rate is $1,097.69. This payment does not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender. NMLS # 439833.

**All loans and down payment assistance programs subject to eligibility and approval. Membership eligibility required. Insured by NCUA. NMLS # 439833