Mortgage Loans

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? Buyers receive cash back at closing when working through the experienced staff at WESTconsin Realty LLC.

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 10, 15, 20, 30 year terms

Adjustable Rate Mortgages (ARMs)

ARM loans offer lower interest rates during the earlier term of your loan with a rate that is fixed for 1 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:

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

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.

WHEDA

WHEDA loans offer a low, fixed interest rate and are geared toward first-time homebuyers with low to moderate income. You cannot have owned a home within the past three years.

Vacant Lot Loans

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

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 >  

Refinancing Options

The government has a new plan, created to help millions of homeowners refinance or modify their mortgages. Click here

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to use self-assessment tools and see if you are among the 7 to 9 million homeowners who can benefit from the Making Homes Affordable
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You are now leaving the WESTconsin Credit Union website and going to a website not operated by WESTconsin. WESTconsin is not responsible for the content of this site and the privacy and security policies may differ from those practiced by WESTconsin. The third party website may provide less security than WESTconsin's website. WESTconsin does not represent the third party or you if you enter into a transaction. WESTconsin is not endorsing or guaranteeing the products, information or recommendations provided by linked sites. WESTconsin is not liable for any failure or services advertised on third party sites.
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You are now leaving the WESTconsin Credit Union website and going to a website not operated by WESTconsin. WESTconsin is not responsible for the content of this site and the privacy and security policies may differ from those practiced by WESTconsin. The third party website may provide less security than WESTconsin's website. WESTconsin does not represent the third party or you if you enter into a transaction. WESTconsin is not endorsing or guaranteeing the products, information or recommendations provided by linked sites. WESTconsin is not liable for any failure or services advertised on third party sites.

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National Credit Union Administration,
a U.S. Government Agency