MEMBER NOTICE | Our Menomonie-Downtown office drive up and parking lot will be unavailable beginning at noon on Friday, August 26 through Saturday, August 27. If you would rather avoid the construction, please visit one of our other Menomonie locations, or access your account with WESTconsin Online, our Mobile App, CALL-24 and/or our Service Center.

Mortgages

A WESTconsin Credit Union membership means you have access to some of the lowest mortgage closing costs in the area. Membership Value Pricing (MVP) status provides even further discounts on closing costs—$100 off for Gold MVP members and $50 off for Silver. Preview our rates and payment options online. Then, so you’ll have a better idea of the price range you can comfortably afford, apply to become pre-qualified. One of our knowledgeable loan originators will be in touch and help you through the application process. Unlike many other lenders, WESTconsin offers complete local servicing of your mortgage for the life of the loan. Rates continue to be among the lowest in many years. Click here to view today’s rates, access payment calculators and apply online.

Looking for real estate? Whether buying or selling, our WESTconsin Realty professionals have years of experience and expertise. They are committed to helping you achieve your goals. You will receive the top-quality service you deserve.

First Mortgage Loan Options

  • Fixed Rate Mortgages

    Choosing a fixed rate mortgage loan is often the route to go when you are entering into a long-term commitment with a property. Lock in an interest rate to set your monthly payment for the term of the loan. You can choose a longer term loan and have smaller monthly payments or pay less overall interest with a shorter term loan and larger monthly payments. Advantages of fixed rate mortgages include:

    • Terms to fit your budget
    • Dividends paid on escrows
    • Monthly payment that never changes
    • Interest rates locked in at time of application or float (limitations may apply- see a Loan Originator for more details)
    • Choice of a variety of terms

    Apply for a mortgage loan

  • Vacant Lot Loans

    Use this adjustable rate loan when you are ready to purchase vacant land for either your next home or an investment.

    Apply for a mortgage loan

  • Home Construction Loans

    Home construction loans typically require interest-only payments during construction and then become due once the certificate of occupancy is in your hands. WESTconsin offers options that keep your budget in line and your construction schedule on time.

    More Information

  • Zero-Down Home Loan

    Do you have a good credit history and would like to purchase your dream home, but lack the funds for a down payment? Or, maybe you'd rather have your cash available for other investment opportunities? All you need is a good credit history and savings equal to two months principal, interest, taxes and insurance.

    Apply for a mortgage loan

  • Adjustable Rate Mortgages (ARMs)

    ARM loans offer lower interest rates during the earlier term of your loan with a rate that is fixed for 3 to 7 years and then adjusted thereafter according to the market. WESTconsin's 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:

    • 3/1 Year ARM
    • 5/1 Year ARM
    • 7/1 Year ARM

    Apply for a mortgage loan

Refinancing Options

The government has a new plan, created to help millions of homeowners refinance or modify their mortgages. Visit their website to see if you are among the 7 to 9 million homeowners who can benefit from the Making Homes Affordable Program.

WESTconsin Credit Union Notification:

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