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 6.000% 6.088% 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 6.088%. The payment schedule would be:

  • 359 payments of $899.33 at an interest rate of 6.000%
  • 1 payment of $897.87 at an interest rate of 6.000%

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
20 Year Fixed Rate 5.750% 5.866% 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 5.750% interest rate, the APR for this loan type is 5.866%. The payment schedule would be:

  • 239 payments of $1,053.13 at an interest rate of 5.750%
  • 1 payment of $1,052.03 at an interest rate of 5.750%

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
15 Year Fixed Rate 5.250% 5.355% 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 5.250% interest rate, the APR for this loan type is 5.355%. The payment schedule would be:

  • 179 payments of $1,205.82 at an interest rate of 5.250%
  • 1 payment of $1,205.22 at an interest rate of 5.250%

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
10 Year Fixed Rate 5.250% 5.399% 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 5.250% interest rate, the APR for this loan type is 5.399%. The payment schedule would be:

  • 119 payments of $1,609.38 at an interest rate of 5.250%
  • 1 payment of $1,608.82 at an interest rate of 5.250%

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
Portfolio Jumbo 30 Fixed 6.250% 6.513% Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $726,201 and an estimated property value of $809,000. 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 6.513%. The payment schedule would be:

  • 105 payments of $4,701.30 at an interest rate of 6.250%
  • 254 payments of $4,471.34 at an interest rate of 6.250%
  • 1 payment of $4,472.98 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.

$4,471.34
$229.96
$4,701.30

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
Portfolio Jumbo 15 Fixed 5.500% 5.614% Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $726,201 and an estimated property value of $809,000. 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 5.500% interest rate, the APR for this loan type is 5.614%. The payment schedule would be:

  • 34 payments of $6,060.76 at an interest rate of 5.500%
  • 145 payments of $5,933.67 at an interest rate of 5.500%
  • 1 payment of $5,933.40 at an interest rate of 5.500%

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.

$5,933.67
$127.09
$6,060.76

The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
Portfolio Jumbo 5/1 ARM 5.500% 7.014% Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $726,201 and an estimated property value of $809,000. 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 5.500% initial interest rate, the APR for this loan type is 7.014%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 60 payments of $4,353.25 at an interest rate of 5.500%
  • 12 payments of $5,191.91 at an interest rate of 7.500%
  • 35 payments of $5,245.25 at an interest rate of 7.625%
  • 252 payments of $5,015.29 at an interest rate of 7.625%
  • 1 payment of $5,014.12 at an interest rate of 7.625%

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.

$4,123.29
$229.96
$4,353.25

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

Amanda Suchla
Amanda Suchla AVP Mortgage Lending 608.644.2755 Email Amanda NMLS #2441729

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