Home Mortgage Loans

BETTER THAN A WELCOME MAT

Whether you’re looking to purchase a new home or to refinance an existing house, our fixed-rate mortgage loans feature a range of competitive interest rates — if not the best mortgage rates — as well as renewable shorter-term loans.

Horicon Bank’s Home Loan Center lets you apply for mortgages online!

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Horicon Bank Mortgage Features

  • Competitive Rates
  • Fixed Terms
  • A Variety of Options
  • Local Decision Making

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Mortgage Rates

Mortgage Options

Comparison table of Mortgage Options
Product Interest Rate APR* Learn More
30 Year Fixed Rate 3.000% 3.086% Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $125,000. The property is located within a Wisconsin county where Horicon Bank has a branch office. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 30 days and the assumed credit score is 750.

At a 3.000% interest rate, the APR for this loan type is 3.086%. The payment schedule would be:

  • 359 payments of $421.60 at an interest rate of 3.000%
  • 1 payment of $423.06 at an interest rate of 3.000%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

20 Year Fixed Rate 2.750% 2.871% Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $125,000. The property is located within a Wisconsin county where Horicon Bank has a branch office. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 30 days and the assumed credit score is 750.

At a 2.750% interest rate, the APR for this loan type is 2.871%. The payment schedule would be:

  • 239 payments of $542.17 at an interest rate of 2.750%
  • 1 payment of $541.27 at an interest rate of 2.750%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

15 Year Fixed Rate 2.375% 2.530% Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $125,000. The property is located within a Wisconsin county where Horicon Bank has a branch office. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 30 days and the assumed credit score is 750.

At a 2.375% interest rate, the APR for this loan type is 2.530%. The payment schedule would be:

  • 179 payments of $660.92 at an interest rate of 2.375%
  • 1 payment of $661.12 at an interest rate of 2.375%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

USDA 30 Year Fixed Rate 3.250% 3.760% Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $126,262 and an estimated property value of $125,000. The property is located within a Wisconsin county where Horicon Bank has a branch office. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 750.

At a 3.250% interest rate, the APR for this loan type is 3.760%. The payment schedule would be:

  • 12 payments of $585.99 at an interest rate of 3.250%
  • 12 payments of $585.24 at an interest rate of 3.250%
  • 12 payments of $584.47 at an interest rate of 3.250%
  • 12 payments of $583.67 at an interest rate of 3.250%
  • 12 payments of $582.85 at an interest rate of 3.250%
  • 12 payments of $581.99 at an interest rate of 3.250%
  • 12 payments of $581.11 at an interest rate of 3.250%
  • 12 payments of $580.20 at an interest rate of 3.250%
  • 12 payments of $579.26 at an interest rate of 3.250%
  • 12 payments of $578.29 at an interest rate of 3.250%
  • 12 payments of $577.29 at an interest rate of 3.250%
  • 12 payments of $576.26 at an interest rate of 3.250%
  • 12 payments of $575.19 at an interest rate of 3.250%
  • 12 payments of $574.08 at an interest rate of 3.250%
  • 12 payments of $572.94 at an interest rate of 3.250%
  • 12 payments of $571.76 at an interest rate of 3.250%
  • 12 payments of $570.54 at an interest rate of 3.250%
  • 12 payments of $569.29 at an interest rate of 3.250%
  • 12 payments of $567.99 at an interest rate of 3.250%
  • 12 payments of $566.65 at an interest rate of 3.250%
  • 12 payments of $565.26 at an interest rate of 3.250%
  • 12 payments of $563.83 at an interest rate of 3.250%
  • 12 payments of $562.35 at an interest rate of 3.250%
  • 12 payments of $560.82 at an interest rate of 3.250%
  • 12 payments of $559.24 at an interest rate of 3.250%
  • 12 payments of $557.61 at an interest rate of 3.250%
  • 12 payments of $555.92 at an interest rate of 3.250%
  • 12 payments of $554.18 at an interest rate of 3.250%
  • 12 payments of $552.39 at an interest rate of 3.250%
  • 11 payments of $550.53 at an interest rate of 3.250%
  • 1 payment of $550.58 at an interest rate of 3.250%

The monthly payment amounts quoted include the annual fee premium.

The annual fee is required for most USDA/Rural Housing loans. The monthly payment for the annual fee is calculated based on the average annual outstanding balance and will vary from year to year.

$549.50
$36.49
$585.99

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Government Programs

When additional assistance is necessary, Horicon Bank obtains help through various government programs, including USDA loans and WHEDA loans.

Who May Borrow?

A borrower may be a cooperative organization, corporation, partnership, or other legal entity organized and operated on a profit or nonprofit basis, such as an Indian tribe on a federal or state reservation or other federally recognized tribal group, a public body or an individual. A borrower must be engaged in or proposing to engage in a business that will:

  1. Provide employment;
  2. Improve the economic or environmental climate;
  3. Promote the conservation, development and use of water for aquaculture; or
  4. Reduce reliance on nonrenewable energy resources by encouraging the development and construction of solar energy systems and other renewable energy systems.

Specialty Home Mortgage Loans

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