New Repair & Renew Loan!

• 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

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

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A Construction Loan covers both the interim building phase and the permanent loan once the home is finished, eliminating the need for multiple loans.

The first 9 months of the loan, also known as the draw period, disburses funds to contractors or subcontractors during the building phase. This period features a lower rate, interest only payment on outstanding balances plus property taxes if applicable. Once the house is finished, the loan rolls automatically converts to an ARM loan/permanent financing (for primary residence/second homes only). One of the biggest benefits of a Construction Loan is it features a one-time close, which means one-time closing costs to save you money!

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

Servion Mortgage Servicing WHEDA Mortgage Servicing