Mortgage Center for Home Loans

Local Home Loans Local Experts

Local Home Loans - Local Experts - Home Equity Loans - Apply online or learn more today!
Apply Now Book Appointment

Use the equity in your home to do the remodel you've been putting off or make the addition you've been dreaming about with the help of our Mortgage Team in Manitowoc and Sheboygan.

With an affordable home equity loan, you can:

Design the perfect kitchen for the chef in your family
Create a relaxing outdoor space for your family and guests to enjoy
Reduce your energy bills with new, energy-efficient appliances

You can also use your funds for other activities such as:

Covering college (education) expenses
Refinancing a home equity loan you have elsewhere
Consolidating higher rate debt

Let's talk benefits of home ownership!

Build equity - Homes typically increase in value, build equity & provide a nest egg for your future
Stabilize housing costs - You could become a homeowner & pay the same or less than what you are paying as a renter
Create your own space - Say goodbye to needing approval from a landlord to paint or carpet
Improve your credit score - Buying a house can improve your credit score, if payments are managed well

Whether buying your first home or refinancing your current one, our mortgage team is here to help you choose the right mortgage product to meet your needs! Take advantage of our low rates & available down payment assistance programs. Our options include fixed and adjustable rate conventional mortgages, and government-backed options such as FHA, VA, and WHEDA. Our Mortgage Specialists are happy to work with you and review your options to ensure you choose the program that best meets your specific needs.**

We're here because you want to find yourself in a home you love!

Apply Now Book Appointment Mortgage Center Log In Email Mortgage Team

Why does my realtor want to see a pre-approval letter before they begin showing me houses? It’s a common question for anyone in the market to buy a home for the first time.

Kari of our UnitedOne Mortgage Team explains what a pre-approval letter is and why it’s one of the first steps in the process of buying a home. Watch more videos to learn about home loans.

*The interest rate and Annual Percentage Rate (APR) are effective as of March 3, 2023 and subject to change at any time and without notice. Your actual rate will be based upon your credit score, loan-to-value (LTV), loan term, and other factors. Closing costs may vary and are paid by borrower. Your costs can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on 1st mortgage loans above 80% LTV. APR and payment example based upon a home equity loan transaction, credit score above 740, and 80% LTV with the following terms: $25,000.00 home equity loan amortized over 7 years (84 months), with an interest rate of 5.125% with a monthly principal and interest payment of $354.82. This payment does not include amounts for taxes and insurance premiums. Offer is subject to credit approval. Home equity lines of credit (HELOCs) are not eligible. Membership eligibility required. Insured by NCUA. NMLS # 439833.

**All loans and down payment assistance programs subject to eligibility and approval. Insured by NCUA. NMLS # 439833