Let WESTconsin welcome you home.
Membership at WESTconsin Credit Union means you have access to some of the lowest mortgage closing costs in the area with fast, local decision making. Whether you are a first-time homebuyer or looking to refinance, our lenders are here to help. We welcome you to contact one of our knowledgeable Mortgage Loan Originators today. We are here to help you through the application process. If you choose, we are able to offer conditional approval letters, which will help you better understand affordability and potential loan options.
Explore our Home Loan Options
Choosing a fixed rate mortgage loan is often the route to go if you are planning for a long-term commitment with a property. Lock in an interest rate for the term of the loan. You can choose a longer term and have a smaller monthly payment or choose a shorter term, and have a larger monthly payment. Advantages of fixed rate mortgage include:
- A variety of terms to fit your budget
- Dividends paid on escrow account
- Principal and interest payment that never change
ARM loans offer lower interest rates during the earlier term of your loan with a rate that is fixed for 5 to 7 years and then adjusted thereafter according to the market.
Our Mortgage Loan Originators will review several ARM loan alternatives and determine which saves you the most. Below are common ARM options whereas the first number indicates the number of years under fixed rate and the second reflects the number of years the rate will adjust thereafter:
- 5/1 Year ARM
- 7/1 Year ARM
Home construction loans typically require interest-only payments during construction. WESTconsin offers options that keep your budget in line and your construction schedule on time.Learn More
Use this adjustable rate loan when you are ready to purchase vacant land for your next home.Apply Online
WESTconsin Credit Union partners with USDA Rural Development to provide low to no down payment mortgage options for borrowers and properties that meet USDA Rural Development guidelines. This program may be beneficial to borrowers that have limited down payment for the purchase of a home.Apply Online
Choose WESTconsin for all your real estate needs!
- Trust our experience, local Loan Originators – we make it easy and are here to help you each step of the way
- Apply Online - Fill out an online application for your preapproval, home loan or refinance
- Calculate your loan payments or compare mortgage terms and let us help you decide which term is better for you
- Competitive Rates – We offer loan options and terms to fit your needs
- Closing Cost Discounts - Your Membership Value Pricing (MVP) status provides discounts on closing costs—$100 off for Gold MVP members and $50 off for Silver
- Complete local servicing of your mortgage for the life of the loan, which means we will always be here for you!
- Buying or selling your home? Let WESTconsin Realty’s experienced agent assist you!