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Home Loans

Do the math.

See what your mortgage payments might be like with this convenient payment calculator. Then, contact FVSB and they’ll help with the details.

Home Loan Calculator

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First Time Home Buyer Questions

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Whether this is your first time, or third time we’re ready to help you with your home loan.

Preparing to buy a home is just like preparing for any other major purchase. Consider what you earn, think about the timeline between now and your retirement and consider what you're looking for. Seriously consider your current household budget and then decide what you can afford.

Whether you're a first time home buyer or need a traditional mortgage, we can help.   Even if your current mortgage isn't with FVSB, your next mortgage will include a great rate and the expertise of our lending professionals.

First Time Home Buyers may benefit up to $8,000 in tax credits if you purchase your first home by April 30, 2010.  Contact your tax advisor for specific details on the tax credit.

 

Current Mortgage Rates:

Type Rate APR Initial Rate Lock
15 Year Fixed 4.375% 4.385% Life of Loan
20 Year Fixed 4.875% 4.885% Life of Loan
30 Year Fixed 5.125% 5.135% Life of Loan
1 Year ARM - as low as 4.35% 5.04% 3 Years
1 Year ARM - as low as 4.85% 5.10% 5 Years
1 Year ARM - as low as 5.50% 5.35% 7 Years
1 Year ARM - as low as 5.85% 5.51% 10 Years
15 Year ARM Special* 5.75% 5.46% 10 Years

APR is Annual Percentage Rate. Rates effective March 10, 2010; subject to change at any time. The rates shown are available to borrowers with an excellent credit history. Rates and fees may vary based on such factors as credit scores, loan-to-value ratio, type of property, loan type, and the presence of secondary financing. On ARM loans the APR may increase or decrease, according to the index, after the initial rate lock period. The rates shown are for single family, owner-occupied properties. All loans require 20% down to avoid private mortgage insurance (PMI).

*One adjustment only after 10 years, maximum adjustment 1%

FHA Mortgage Rates

Type Rate APR Inital Rate Lock
15 Year FHA - as low as 4.50% 4.57% Life of Loan
25 Year FHA - as low as 5.25% 5.25% Life of Loan
30 Year FHA - as low as 5.25% 5.25% Life of Loan

APR is Annual Percentage Rate. Rates effective March 10, 2010; subject to change at any time.  Rates and fees may vary based on such factors as credit scores, loan-to-value ratio, type of property and amount of loan.  The rates shown are for single family, owner-occupied properties.

Contact us to discuss your options.

In Fond du Lac

Chris Carrollo
Ruth Brunette
Chris Serres
Phone 920-921-7220 or 800-242-7880

In Oshkosh

Matt Bakalars
Ben Ottum
Phone 920-231-1163

In Waupun

Derek Drews
Phone 920-324-5528