Mortgages

Get all of the information, resources, and tools you need to be move-in ready.

Relationships are built on trust, that’s why our customers get the best mortgage products combined with personalized service. When you refinance or buy a home with Intercity, you’ll understand the details and have your questions answered by professionals who make sure you close with confidence knowing that your home loan fits your needs.

Refinancing that works for you!

Up to $750 Credit Off Closing Costs to Refinance Your Home!*

Mortgage rates have recently dropped dramatically. Now is the time to refinance! If you’ve been waiting for the right opportunity, now may be the perfect moment to explore your refinancing options.

*Available for refinances only. Subject to credit approval. Limited to primary and secondary residences in Wisconsin. Investment properties, Home Equity Lines of Credit (HELOCs), and junior liens are not eligible. Not to be combined with other offers or discounts. The $750.00 closing cost credit cannot exceed the actual amount of closing costs, prepaid interest and escrow reserves. The credit will be applied at loan closing and reflected on the final closing disclosure. Offer may be withdrawn at any time without notice. Valid through 10/31/2026. One Community Bank NMLS#410689

We are offering up to $1,000 Lender Credit for First-Time Homebuyers!**

A new house is one of the most important decisions you’ll make with your money. We’re here to help guide you through the process seamlessly, step by step. We focus on the details, so you can focus on transforming your new house into your dream home.

Call us to learn more or stop into apply!

**The first-time homebuyers special is for first-time homebuyers only as defined by Freddie Mac program and all borrowers must qualify as first-time home buyers. Purchase of first lien, owner-occupied property. Primary residence only and must be in Wisconsin. Underwriting criteria based on secondary guidelines. Property insurance is required. $1,000 lender credit to be applied at closing. Offer valid through 10/31/2026. One Community Bank NMLS# 410689

Purchase

At Intercity State Bank, we realize that no two borrowers are the same. That’s why we have several programs to suit each borrowers’ needs. We provide local decision making and in-house servicing on our conventional and balloon mortgages.

At Intercity State Bank, we realize that no two borrowers are the same. That’s why we have several programs to suit each borrowers needs. We provide local decision making and in-house servicing on our conventional and balloon mortgages.

Prequalification

Give yourself the power of knowledge before you begin your home search. We offer a no fee prequalification program, so you can be confident knowing that you qualify for a certain price range. Having a prequalification shows a seller that you’re a serious buyer, and will help you with the negotiating process.

Types of Loans

Conventional Fixed Rate Loans – This loan features a fixed rate for the entire term of the loan. There are multiple year terms available to you. This is a popular option for many people.

WHEDA Advantage – This program by the (Wisconsin Housing Economic Development Authority – WHEDA) is specific to first time home buyers. Some of the features of WHEDA advantage are a 30-yr. fixed rate requiring low down payment and job loss protection.

Balloon Rate Mortgages – Your rate is fixed for a shorter, preset term. Payment can be amortized for a number of years. This loan option is available as an alternative to conventional financing.

Construction Loans – Perhaps you are interested in building a new home. This loan option is usually set for a short period of time and your payment is interest only on the amount borrowed.

Vacant Land / Lot Loans – Whether you are looking for an investment, hunting land or a spot to build your perfect home, we have a variety of flexible financing options.

All loans subject to approval.

Refinance

Thinking about refinancing your current home loan? Let our knowledgeable lenders help you decide whether refinancing is your best option.

Thinking about refinancing your current home loan? Let our knowledgeable lenders help you decide whether refinancing is your best option.

Cash Out
Are you looking to use your home’s equity to fund a home improvement project or to consolidate monthly debt? Intercity has cash out programs available.

Streamline Refinance
Refinancing your home can be a great way to either lower your monthly payments or shorten the term of your loan payments.

All loans subject to approval.

Home Equity

At Intercity State Bank, we make it easy to borrow smartly with our Home Equity Line of Credit or Home Equity Loan. Use it for college tuition, home improvement, buying a car, consolidation of bills or unplanned expenses. As an added benefit, the interest you pay on your home equity line or loan may be tax deductible*.

At Intercity State Bank, we make it easy to borrow smartly with our Home Equity Line of Credit or Home Equity Loan. Use it for college tuition, home improvement, buying a car, consolidation of bills or unplanned expenses. As an added benefit, the interest you pay on your home equity line or loan may be tax deductible*.

Home Equity Line of Credit – Want flexibility? Simply open a line of credit (HELOC) and access your funds by using your HELOC debit card, or by writing a check. As you repay funds borrowed against your equity line, they immediately become available again. Use as little or as much as you want, when you want.

Home Equity Loan – Want your total loan amount provided right away? With a Home Equity Loan, you receive a lump sum up front and make regular monthly payments over a set period of time.

* Please consult your tax advisor regarding tax deductibility.

All loans subject to approval.

CONTACT US

Ashley Dupuis-Bohman   NMLS #1313581
715-241-0434   email Ashley

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