Mortgage Loans

Choose a mortgage that meets your needs and budget. We offer a variety of conventional and program mortgage loans with a mix of fixed and adjustable rates.

Flag hanging outside home Conventional Mortgage

Conventional Mortgage

Conventional mortgage loans are ideal for borrowers with great credit who can afford a down payment. We offer fixed and adjustable rates and various term lengths for conventional mortgages. Down payments less than 20% will require mortgage insurance. Learn More >

Apply Now

 

Gray house with porch Home Possible Mortgage

Home Possible®

Buying a home for the first time or on a low to moderate income? Bank of Prairie du Sac offers Freddie Mac’s Home Possible® Mortgages just for you. With options for low down payments and flexible credit terms to make home buying easier. Learn More >

Request Information

 

Large home on a lake Jumbo Mortgage

Jumbo Mortgage

Our Jumbo Mortgage helps you finance your dream home when the loan amount is more than the conventional mortgage limit. Whether for your primary residence or a second home, enjoy our competitive rates and have your mortgage serviced locally by our team. Learn More >

Request Information

 


Government Programs

Bank of Prairie du Sac is teaming up with Inlanta Mortgage to expand our product line-up to include government mortgage loan programs. USDA, WHEDA, FHA, and VA loan programs are now available. These programs may be a good fit for home buyers who do not qualify for conventional financing or who have little to no down payment.

Flag hanging outside home WHEDA Mortgage

WHEDA

WHEDA offers programs for purchases and refinances, whether first-time1 or repeat buyers. Income and purchase price limits apply. Down payments as low as 3–5%.2 Available for 1-4 unit properties, owner occupied primary residence. Learn More >

Apply Now

 

Home in woods with lights outside USDA Mortgage

USDA

USDA is available for single family homes located in rural areas and is for low to moderate income borrowers. Income and purchase price limits apply. No down payment2 is required and closing costs may be financed into the loan. Learn More >

Apply Now

 

 

2 story home with blue siding FHA Mortgage

FHA

FHA mortgage loans are designed for low to moderate income home buyers. This program allows the borrower to have a lower down payment2 and less than perfect credit. Sellers can contribute up to 6% of the purchase price as a seller credit towards the buyers closing costs. Learn More >

Apply Now

 

Flag hanging outside of home porch VA Mortgage

VA

If you are a veteran or surviving spouse, you may be eligible for a loan through the VA program. There is no private mortgage insurance required and it offers less stringent credit requirements than conventional mortgage loans. This program also has a low or no down payment option.2 Learn More >

Apply Now

 


USDA, WHEDA, FHA, and VA loans processed and underwritten by Inlanta Mortgage, Inc. NMLS #1016. Wisconsin Banker License #43262BA, Wisconsin Broker License #1016BR. This is not a commitment to lend. Promotion, terms, and conditions subject to change without notice. Loans subject to credit approval. Inlanta Mortgage, Inc. is a USDA, WHEDA, FHA, and VA approved lender but is not affiliated with the United States Department of Agriculture, the Wisconsin Housing and Economic Development Authority, the Federal Housing Administration, the Department of Veteran Affairs, or any other government entity. Inlanta and Bank of Prairie du Sac are not acting on behalf of or at the direction of HUD/FHA or the Federal government.

1A first time homebuyer is an individual who has had no ownership in a principal residence during the 3-year period ending on the date of purchase (closing date) of the property. This includes any individual that has only owned with a former spouse while married.

2Interest due on the amount of the loan above fair market value is not tax deductible. Consult a tax advisor.