Remarkably Normal Mortgages
No gimmicks. No pressure. Just straightforward home loans from people who live here, too.
I’m buying my first home
First time? We’ll walk you through every step, in plain English. Learn MoreBuying your first home?
We’ve got you.
Nobody's born knowing how mortgages work, and that's exactly why we're here. At Bank of Sun Prairie, our local lending team walks you through every step, from "wait, what's PMI?" to the moment you're holding your keys.
If you haven't owned a home in the last three years, you may qualify for our First-Time Home Buyer Program — and yes, it comes with real perks.
What's in it for you:
- Low and no down payment options
- No monthly PMI options available
- Up to $500 off closing costs
- Local decisions, local people
- Free prequalification
Low or no downpayment options
FHA Loan
Lower down payment requirements and more flexibility if your credit has some bumps.Apply Now
USDA Loan
Zero down payment for homes in eligible rural areas — more of Wisconsin qualifies than you'd think. Apply NowWHEDA Loan
A Wisconsin-specific 30-year fixed-rate option with a low down payment, and you can finance the down payment itself. Apply NowRefinancing done right.
| Shorter Term | Lower Rates |
| Reduced Payments | Consolidate Debt |
Whatever you are trying to achieve, we can help you understand your many refinancing options. With decades of combined experience, our mortgage lending team will work with you to find the best approach to refinancing your home.
Use your cash equity to:
- Remodel your home
- Fund an education
- Buy an investment property
- Start a business
- And so much more!
Curious what the numbers look like?
It's a calculator, not a commitment. Just a way to see if you're in the ballpark
It's normal to have questions.
What you'll want to have handy
Nobody's born knowing what "two most recent pay stubs" means. Here's what a lender will ask for.
- Photo ID (driver's license or passport)
- Two most recent pay stubs
- Last two years of tax returns (W-2s or 1099s)
- Two months of bank statements (checking and savings)
- Current mortgage statement (if refinancing)
- Proof of other income (if applicable: alimony, social security, etc.)