Enjoy a 10 year fixed-rate mortgage with an interest rate as low as 5.250%* and APR as low as 5.606%*
Whether buying your first home or refinancing your current one, our team of Local Home Loan Experts is here to help you find the right mortgage program to meet your specific needs! Take advantage of our competitive rates & available down payment assistance programs including fixed and adjustable rate conventional mortgages, and government-backed options such as FHA, USDA, VA, and WHEDA.**
Home equity is calculated using the difference between what your home is worth and what you still owe on your mortgage. Our Local Home Loan Experts in Manitowoc and Sheboygan can help you find that magic number so you can use the equity in your home to do the remodel you've been putting off, make the addition you've been dreaming about, and more!
With an affordable home equity loan, you can also use your funds for other activities such as:
A Construction Loan** covers both the interim building phase and the permanent loan once the home is finished, eliminating the need for multiple loans.
The first 9 months of the loan, also known as the draw period, disburses funds to contractors or subcontractors during the building phase. This period features a lower rate, interest only payment on outstanding balances plus property taxes if applicable. Once the house is finished, the loan rolls automatically converts to an ARM loan/permanent financing (for primary residence/second homes only). One of the biggest benefits of a Construction Loan is it features a one-time close, which means one-time closing costs to save you money!
Utilize the web portals below to access loan information, manage payments, and track your loan history:
Call or text us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at homeloans@UnitedOne.org.
Apply Now Mortgage Center Log In Local Home Loan Experts Mortgage Rates Mortgage Calculators
*Interest rates and APRs (Annual Percentage Rate) are effective as of 09/27/2024 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $100,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender.
**All loans and down payment assistance programs subject to eligibility and approval. Membership eligibility required. Insured by NCUA. NMLS # 439833
A 10-year home equity loan provides a realistic path to fund a major expense or accomplish the ultimate goal of eliminating debt.
Our Local Home Loan Experts take you behind the scenes of the underwriting process and explain its importance.
Our Local Home Loan Experts discuss what elements make up your credit score and how to improve it.
Learn More
Our Local Home Loan Experts clear up any confusion about credit and its role in applying for a loan.
Our Local Home Loan Experts delve into what a construction loan entails and things to be aware of during the process of building a new house.
Our Local Home Loan Experts discuss various programs and alternatives that help make it possible to purchase a house without needing a 20% down payment.
This link leaves the United One website.
