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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 More

I’m moving or relocating

Ready for something different? Let's find the right fit. Learn More

I’m refinancing

Looking for a better rate or different terms? Let's talk. Learn More

Buying 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
Apply Now

 

Conventional Mortgages

Fixed-Rate Mortgage

Your interest rate stays the same for the life of the loan. Predictable payments, no surprises. Apply Now

Adjustable Rate Mortgage

Starts with a lower rate that can move up or down with the market over time.
Apply Now

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 Now

VA Loan

Zero-down mortgages for qualified veterans and active service members. Apply Now

WHEDA Loan

A Wisconsin-specific 30-year fixed-rate option with a low down payment, and you can finance the down payment itself. Apply Now

Home One®

Fixed-rate option with a limited down payment requirement. Apply Now

 

Refinancing 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!
Apply Now
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Curious what the numbers look like?

It's a calculator, not a commitment. Just a way to see if you're in the ballpark

 

Contact a Lender

It's normal to have questions.

Gabrielle J. Loeffler

Sun Prairie - East | NMLS ID: 524147 Meet with this Lender

Bryan Bazan

Sun Prairie - West | NMLS ID: 631659
Meet with this Lender
Michelle A. Hahn

Michelle A. Hahn

Sun Prairie - East | NMLS ID: 762819
Meet with this Lender

Monica Gonzalez

Sun Prairie - West | NMLS ID: 523588
Meet with this Lender

Amy M. Fosdick

Cottage Grove | NMLS ID: 486764 Meet with this Lender

Craig Freng

Sun Prairie - East | NMLS ID: 759198 Meet with this Lender

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.)

Your home is waiting. So is your mortgage.

At Bank of Sun Prairie, getting a mortgage is exactly as complicated as it needs to be — and no more. Talk to a local lender who'll give you straight answers, fair terms, and none of the runaround.