Personal

Loan Products

Mortgage Loans

Buying or building a home is one of the most exciting and stressful things you can do; however, our experienced mortgage lenders at Ixonia Bank will be with you every step of the way. Looking to refinance instead? Together we'll find a solution that is right for you. We're right here when and where you need our guidance

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Here is what you can expect from working with Ixonia Bank:

  • Free pre-approvals that let you shop for a home with confidence.*
  • A broad range of programs and competitive rates.
  • Knowledgeable loan officers who live and work in your community, and will guide you through the whole process.
  • An easy and convenient online application process that lets you apply when and where you want.
  • Local servicing – we are always here to help you with any questions you may have.
 Mortgage Type Key Benefits Worth Considering If You...
Conventional Fixed Rate Mortgages1
  • Fixed rate for entire term of loan
  • Flexible terms available
  • Plan on living in your home for a long period of time
  • Have an established credit history
  • Can put at least 3% down on a home
Adjustable-Rate Mortgages (ARMs)2
  • Flexible underwriting guidelines
  • Initial lower monthly payments
  • Initial rate periods of 3-10 years, then rates can adjust up or down
  • Plan on living in your home for only a few years
  • Have an established credit history
  • Can put at least 10% down on a home
Jumbo Mortgages 
  • Increased purchase limits
  • Competitive rates
  • Fixed-rate and ARM options
  • Are buying a home that is more than conforming loan limits ($424,100+)
  • Have an established credit history
  • Can put at least 20% down on a home
FHA Mortgages3
  • Flexible qualification guidelines & terms
  • Fixed-rate and ARM options
  • Refinancing options available
  • Can put at least 3.5% down on a home
  • Don't have an established credit history or have experienced credit challenges in the past
USDA Mortgages4 
  • Low or no down payment options
  • Fixed rate for entire term of loan
  • Are a First-Time Homebuyer 
  • If the home property is located in an eligible geographical area as determined by the USDA
  • Meet income eligibility
VA Mortgages4
  • Low or no down payment options
  • No Private Mortgage Insurance (PMI) required
  • Flexible qualification guidelines & financing options 
  • Are an active military member or veteran
  • Are the surviving spouse of a service member who died as a result of military service
WHEDA Home Loans 
  • Low or no down payment options
  • Flexible qualification guidelines & financing options
  • No geographic restriction for property location
  • Fixed rate for entire term of loan
  • Are a First-Time Homebuyer
  • Meet income and purchase price limits
  • Willing to take required homebuyer education course
Construction Loans
  • Convenient financing for new construction
  • Are building a new custom home 
  • Are buying a lot for a future home

Resources

 
 

Home Equity Loans & Home Equity Line of Credit (HELOC)

Your home is one of your most valuable financing tools. Using the equity you've built in your home is a smart, affordable way to borrow money for virtually any purpose – and the interest you pay may be tax deductible5. With a variable-rate HELOC, it's as easy as writing a check to:

  • Make home improvements
  • Consolidate bills
  • Take a family vacation
  • Pay for college tuition

To contact our lenders about how they can help you or for more details, please visit our Loan Officers page.

Mortgage Lenders 

All of our loan officers are registered with the Nationwide Mortgage Licensing System (NMLS) as required by the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act). Consumers can use the ID number to verify that they are working with a licensed institution and lender. Click here to see the NMLS numbers for Ixonia Bank and our loan officers.

*Pre-approvals are not available for all programs. 
1.The 3% down payment program is available as long as one of the borrowers is a first time homebuyer or has gone three years without owning a home. 2. Adjustable Rate Mortgage (ARM) products have interest rates that may increase after consummation. 3. FHA loans are subject to an up-front mortgage insurance premium of 1.75% of the loan amount, in addition to a monthly mortgage insurance premium, depending on the loan term and loan-to-value. 4. 100% financing loans include an additional funding fee, which may be financed up to the maximum loan amount. Product features subject to approval. Government loans are not limited to first time homebuyers. 5. Consult with your tax advisor to determine individual tax benefits, if any. ALL LOANS: Not an offer to extend credit. Loans and Annual Percentage Rates (APRs) are subject to credit and underwriting approval. Property/Mortgage insurance may be required and is the responsibility of the borrower unless otherwise stated. Income and home value limits may apply. See Mortgage Lender for additional details on loan products and programs. 
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