Jumbo Mortgage

Kind of a Big Deal

Our jumbo mortgage helps you finance your dream home when the loan amount is more than the conventional mortgage limit. Whether for your primary residence or a second home, you can enjoy our competitive rates and have your mortgage serviced locally by our team.

Jumbo Mortgage Benefits

  • Fixed and adjustable rates available
  • Various terms available
  • Feature competitive interest rates
  • For primary residence or second home
  • Serviced locally by Bank of Prairie du Sac

Mortgage Options

Comparison table of Mortgage Options
Product/Term Interest Rate Annual Percentage Rate* Learn More
30 Year Fixed Rate 6.500% 6.588% 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 $200,000. The property is located in WI and is within Sauk county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 740.

For example, at a 6.500% interest rate, the APR for this loan type is 6.588%. 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%

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
20 Year Fixed Rate 6.375% 6.490% 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 $200,000. The property is located in WI and is within Sauk county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 740.

For example, at a 6.375% interest rate, the APR for this loan type is 6.490%. The payment schedule would be:

  • 239 payments of $1,107.35 at an interest rate of 6.375%
  • 1 payment of $1,107.01 at an interest rate of 6.375%

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
15 Year Fixed Rate 6.000% 6.103% 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 $200,000. The property is located in WI and is within Sauk county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 740.

For example, at a 6.000% interest rate, the APR for this loan type is 6.103%. The payment schedule would be:

  • 179 payments of $1,265.79 at an interest rate of 6.000%
  • 1 payment of $1,264.92 at an interest rate of 6.000%

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
10 Year Fixed Rate 6.125% 6.271% 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 $200,000. The property is located in WI and is within Sauk county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 740.

For example, at a 6.125% interest rate, the APR for this loan type is 6.271%. The payment schedule would be:

  • 119 payments of $1,674.74 at an interest rate of 6.125%
  • 1 payment of $1,674.58 at an interest rate of 6.125%

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
10 Year Fixed Rate 6.000% 6.146% 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 $200,000. The property is located in WI and is within Sauk county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 740.

For example, at a 6.000% interest rate, the APR for this loan type is 6.146%. The payment schedule would be:

  • 119 payments of $1,665.31 at an interest rate of 6.000%
  • 1 payment of $1,665.01 at an interest rate of 6.000%

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
Portfolio Jumbo 30 Fixed 6.750% 7.030% Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $647,201 and an estimated property value of $720,000. The property is located in WI and is within Sauk county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 740.

For example, at a 6.750% interest rate, the APR for this loan type is 7.030%. The payment schedule would be:

  • 112 payments of $4,402.68 at an interest rate of 6.750%
  • 247 payments of $4,197.73 at an interest rate of 6.750%
  • 1 payment of $4,198.95 at an interest rate of 6.750%

The monthly payment amounts quoted include the mortgage insurance premium.

Generally, mortgage insurance is required if you are making a down payment of less than 20% of the home's value or purchase price.

$4,197.73
$204.95
$4,402.68

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
Portfolio Jumbo 15 Fixed 6.250% 6.373% Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $647,201 and an estimated property value of $720,000. The property is located in WI and is within Sauk county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 740.

For example, at a 6.250% interest rate, the APR for this loan type is 6.373%. The payment schedule would be:

  • 36 payments of $5,662.51 at an interest rate of 6.250%
  • 143 payments of $5,549.25 at an interest rate of 6.250%
  • 1 payment of $5,549.11 at an interest rate of 6.250%

The monthly payment amounts quoted include the mortgage insurance premium.

Generally, mortgage insurance is required if you are making a down payment of less than 20% of the home's value or purchase price.

$5,549.25
$113.26
$5,662.51

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
Portfolio Jumbo 5/1 ARM 6.000% 6.937% Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $647,201 and an estimated property value of $720,000. The property is located in WI and is within Sauk county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 740.

At a 6.000% initial interest rate, the APR for this loan type is 6.937%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 60 payments of $4,085.25 at an interest rate of 6.000%
  • 49 payments of $4,509.66 at an interest rate of 7.125%
  • 250 payments of $4,304.71 at an interest rate of 7.125%
  • 1 payment of $4,305.18 at an interest rate of 7.125%

The monthly payment amounts quoted include the mortgage insurance premium.

Generally, mortgage insurance is required if you are making a down payment of less than 20% of the home's value or purchase price.

$3,880.30
$204.95
$4,085.25

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.

Loan Calculator

Crystal Lautenbach
Crystal Lautenbach VP, Mortgage Lending 608.644.2706 Email Crystal NMLS #451162

Linda Oelke-McNamer
Linda Oelke-McNamer VP, Mortgage Lending 608.644.2704 Email Linda NMLS #685867

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