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 discounts on closing costs—$100 off for Gold MVP members and $50 off for Silver. 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. WESTconsin offers complete local servicing of your mortgage for the life of the loan, which means we will always be here for you. Whether you are a first time homebuyer or looking to refinance, our lenders are here to help.

First Mortgage Loan Options

  • Fixed Rate Mortgages

    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 chose a shorter term, and have a 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

    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.

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  • USDA Rural Development Loans

    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 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

WESTconsin Credit Union has a variety of home mortgage products to suit your individual refinance needs. Contact one of our Mortgage Loan Originators today to discuss which loan program may be best for you.

WESTconsin Realty

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.

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