Skip to content

Buying a Home

Whether you are relocating to a new community or buying your first home, find out which home financing options are right for you.

A young couple paints a wall in their new home together.

Buying Your Perfect Home

Is your family outgrowing your current home or apartment? Or, maybe you're transferring jobs or moving back to your hometown.

Buying a home is a major decision, which is why our team is here to make sure you are confident every step of the way. We can help you find a mortgage and guide you through your big purchase to ensure a smooth transition for you and your family.

Getting Started

Identify a knowledgeable loan officer

Mortgages don't have to be complicated. We're committed to working with you wherever and whenever it makes sense for you – online, over the phone or in person. A loan officer will answer your financing questions to ensure a worry-free home purchase.

How much house can you afford?

Your loan officer will help you determine how much you can borrow and the amount you should feasibly spend on your home. Keep in mind that they’re not always the same amount. Consider the cost of the mortgage along with your other monthly expenses and long-term financial goals.

Find a local Realtor® or real estate broker

Save time and money with a real estate professional who knows the market and your desired location. They can negotiate your purchase price and make sure you pay a fair price for your home. They also receive advance notice of new listings, providing you with early opportunities to tour homes.

Couple meeting with a loan officer to get their loan pre-approved.

What is a pre-approval, and why is it important?

A pre-approval can give you an advantage in today’s competitive housing market.

  • Fully underwritten loan approval including verification of income, credit and down payment funds
  • Determines what you can realistically afford
  • Allows you to conduct your home search with confidence
  • Assures the seller and realtor that your offer is solid

Paying for Your New Home

Our mortgage loan officers will help you evaluate multiple options for financing your home purchase.

Fixed-Rate Mortgage

Your monthly principal and interest payments remain the same throughout the life of the loan. Most common fixed-rate home loan terms range from 10 to 30 years.

Adjustable-Rate Mortgage (ARM)

ARMs offer a variety of features such as lower rates, caps on interest and conversion options. They generally have monthly principal and interest payments that change after a set period of time, based on an external financial index. 

Affordable Home Loans

Make homeownership affordable with several home loan programs, including low down payments, down payment assistance, gifts and grants.

We can help you get there

Sisters having fun washing dishes in their home.

Home Loans

Whether you are relocating to a new community, refinancing, buying your first home or moving into a new home, we’ll guide you through the home financing process. As your trusted advisor, our focus is on finding the mortgage that fits your needs, so you can focus on finding your perfect home.

LEARN MORE about Home Loans.
Financial advisor meets with mature couple to discuss their retirement plans.

Purpose of Financial Planning

The purpose of a financial plan is to define how your income and assets can provide for a lifetime of happiness. Healthy savings habits, spending discipline and appropriate investments are necessary to meet your goals. But, you need more than just a plan.

LEARN MORE about how we can help you with Financial and Retirement Planning.

Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Certain conditions, terms, and restrictions may apply based on the loan program selected. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required.

Michelle Van Engen
Michelle Van Engen, AVP Senior Mortgage Loan Officer, Kenosha, WI

Your Trusted Mortgage Loan Officer

Whether you are buying your first home or moving into a new home, we will be there to guide you every step of the way.

FIND A LOAN OFFICER
a magnifying glass looking for a location icon in the color burgundy

Need help finding the nearest branch?

Find a location