Fixed-rate Mortgages

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Mortgage options for your dream home at rates you can afford.

Lock in a Fixed-Rate Mortgage

We offer traditional fixed mortgage rate loans. Terms of these conventional loans range in length and the payment is fixed over the life of the loan, protecting you from the possibility of rising interest rates. There are no prepayment penalties on these fixed rate mortgage loans.

Internal Underwriting: Save time through quick approvals, and rest assured that your loan is being handled locally in Madison.
Purchase or Refinance: Fixed rate mortgage loans are available for purchases or refinances of an existing home.
Competitive Interest Rates: Our interest rates meet or exceed other local Dane County institutions.

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Current Mortgage Rates

Comparison table of Mortgage Options
Product/Term	Interest Rate	APR^*	Learn More
30 Year Fixed Rate	6.500%	6.580%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 740. At a 6.500% interest rate, the APR for this loan type is 6.580%. The payment schedule would be: 359 payments of $948.10 at an interest rate of 6.500% 1 payment of $948.84 at an interest rate of 6.500% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
15 Year Fixed Rate	5.875%	6.005%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 740. At a 5.875% interest rate, the APR for this loan type is 6.005%. The payment schedule would be: 179 payments of $1,255.68 at an interest rate of 5.875% 1 payment of $1,255.30 at an interest rate of 5.875% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Residential 5/1 Portfolio T-Bill ARM	7.500%	7.803%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. At a 7.500% initial interest rate, the APR for this loan type is 7.803%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $1,048.82 at an interest rate of 7.500% 299 payments of $1,083.68 at an interest rate of 7.875% 1 payment of $1,084.71 at an interest rate of 7.875% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Residential 7/1 Portfolio T-Bill ARM	7.750%	7.894%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. At a 7.750% initial interest rate, the APR for this loan type is 7.894%, subject to increase. Based on current market conditions, the payment schedule would be: 84 payments of $1,074.62 at an interest rate of 7.750% 275 payments of $1,085.72 at an interest rate of 7.875% 1 payment of $1,086.91 at an interest rate of 7.875% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.