Purchase

Home Loans

Wherever you are on the road of life, we can help you get to your new home sweet home. Our lenders will determine how much you can afford and guide you through the process.

From the first time you contact us until the day you pay off your loan, you will work directly with our team. We offer a variety of mortgage products with in-house servicing, so you will continue to have great local service — even after the loan closes.

We understand that the homebuying process can feel stressful and overwhelming. Our goal is to make it as simple and straightforward as possible. Whether you are buying an existing house, building new, or utilizing the equity in your home, we are here to help!


A pre-qualification is a great first step when you start looking at homes and want an estimate of how much you can afford. You provide estimates on your income and debts, which our lenders use to give you an estimate of the price range within your budget. 

It does not require a lot of information gathering, and we will not check your credit history at this step. A pre-qualification is not a commitment for a loan, but you can submit a pre-qualification letter with your offer to a seller to show you are a serious buyer. 

Get Pre-Qualified 

Once you have determined the timeline and budget for your home purchase, you can start the mortgage approval process. A pre-approval is an application for a loan, but it happens before you have chosen a property or before you have an accepted offer.

A pre-approval is a fixed loan amount that a lender commits to lend you to based on a completed loan application. Credit reports, debts, savings and income will be reviewed. Pre-approval does not guaranty a loan until your property is chosen, passes inspections, and meets underwriting guidelines. 

Get Pre-Approved 

After you have an accepted offer on a home (congrats!), you need to apply for a mortgage with the specific property cost and location information. If you have already been pre-approved, we will just need the property information to complete your application. Otherwise, you will need to provide full details on your income, employer, and debts. 

You can fill out the mortgage application online and one of our lenders will contact you to discuss any next steps to finalize the loan. 

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Conventional Mortgages

Conventional mortgage loans are ideal for borrowers with great credit who can afford a down payment. Features include:

  • Fixed-rate loans available
  • Flexible term lengths
  • Down payment as low as 5%
  • Mortgage insurance required on down payments less than 20%
  • Loan serviced by Bank of Prairie du Sac

Home Possible®

If you are buying a home for the first time or on a low to moderate income, Freddie Mac’s Home Possible® Mortgage may be right for you. Features include:

  • Down payment options as low as 3%
  • Stable monthly payments with fixed-rate mortgages
  • Reduced mortgage insurance coverage levels
  • Loan serviced 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 6.625% 6.699% 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 780.

For example, at a 6.625% interest rate, the APR for this loan type is 6.699%. The payment schedule would be:

  • 359 payments of $960.47 at an interest rate of 6.625%
  • 1 payment of $959.18 at an interest rate of 6.625%

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

20 Year Fixed Rate 6.375% 6.471% 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 780.

For example, at a 6.375% interest rate, the APR for this loan type is 6.471%. 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 6.250% 6.370% 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 780.

For example, at a 6.250% interest rate, the APR for this loan type is 6.370%. The payment schedule would be:

  • 179 payments of $1,286.13 at an interest rate of 6.250%
  • 1 payment of $1,286.84 at an interest rate of 6.250%

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

10 Year Fixed Rate 6.250% 6.418% 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 780.

For example, at a 6.250% interest rate, the APR for this loan type is 6.418%. The payment schedule would be:

  • 119 payments of $1,684.20 at an interest rate of 6.250%
  • 1 payment of $1,684.34 at an interest rate of 6.250%

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

7/6-month SOFR ARM 6.000% 7.239% 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 780.

At a 6.000% initial interest rate, the APR for this loan type is 7.239%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 84 payments of $899.33 at an interest rate of 6.000%
  • 275 payments of $1,099.71 at an interest rate of 8.375%
  • 1 payment of $1,098.46 at an interest rate of 8.375%

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

5/6-month SOFR ARM 5.750% 7.393% 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 780.

At a 5.750% initial interest rate, the APR for this loan type is 7.393%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 60 payments of $875.36 at an interest rate of 5.750%
  • 6 payments of $1,050.99 at an interest rate of 7.750%
  • 293 payments of $1,108.01 at an interest rate of 8.375%
  • 1 payment of $1,108.25 at an interest rate of 8.375%

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

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

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