Mortgages

We Make Home Sweet Home Even Sweeter

Experience fast, simple, and competitive rates for mortgages, with local decision-making and friendly service.

We make the mortgage application process easy, and we’ve got a variety of programs, rates, and term options to fit your project and budget. See what we have to offer:

First-Time Homebuyer Loans

Think home ownership is out of reach? Did you know that some of our loan options require just a small percentage for a down payment? Let us help you secure financing for your new home.

Fixed-Rate Mortgages

If you plan to own your home for more than seven years and need an interest rate and payment that stays the same for the life of the loan, this popular option may be for you. Investors Community Bank offers competitive fixed-rate mortgages.

Refinancing

If you're thinking about refinancing your current home mortgage for a lower interest rate, you're not alone. Maybe you have some home projects you'd like to do and need the equity in your home to use toward it? Whatever your reason, now is the time to have a conversation with our home loan experts to see if the time is right for you!

United States Department of Agriculture (USDA) Loans

Is your home or the home of your dreams located in a rural area? USDA loans are available to property buyers who meet certain eligibility requirements, such as income and living in a designated rural area.

Many people don’t know that USDA loans are not just for low-income buyers and lower-priced homes. As a matter of fact, most people would be surprised that a family of five could make six figures in some counties and still meet the income guidelines.

USDA rural development loans are guaranteed by the government to encourage growth in rural areas. They are fixed-rate mortgages that require no money down. If the home of your dreams is located in a rural area, like much of Wisconsin is, a rural development USDA loan just might be right for you.

Veterans Administration (VA) Loan

To show appreciation for our veterans and their families, Investors Community Bank offers VA loans. This no-money-down option offers qualifying veterans and surviving spouses with government-backed mortgages. There’s an advantage of refinancing with a VA home loan too. VA homeowners can refinance the home’s value, and veterans don’t have to pay for mortgage insurance.

VA loans are fixed-rate mortgages. The VA guarantees a portion of the loan, which allows private lenders, like ICB, to offer more affordable terms.

Federal Housing Administration (FHA) Loans

If you are a first-time home buyer who needs a lower down payment, have less-than-perfect credit or minimal equity in your current home, FHA loans might be a good fit for you. These loans are insured by the FHA, require a small down payment and are subject to mortgage insurance premiums and other requirements.