Let us simplify the mortgage loan process.

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, powered by Novus Home Mortgage, will be with you every step of the way. 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 are accessible, communicate often, and guide you through the whole process.
  • An easy and convenient application process – either mobile or online – that lets you apply when and where you want.

Resources

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 Meet the Team Page, and select Loan Officers.

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.

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 provide qualifying down payment

Adjustable-Rate Mortgages (ARMs)2

  • Flexible underwriting guidelines
  • Initial lower monthly payments
  • Varying initial rate periods

  • Plan on living in your home for only a few years
  • Have an established credit history
  • Can provide qualifying down payment

Jumbo Mortgages

  • Increased purchase limits
  • Competitive rates
  • Fixed-rate and ARM options

  • Are buying a home that is more than conforming loan limits ($510,400+)
  • Have an established credit history
  • Can provide qualifying down payment

  • Flexible qualification guidelines & terms
  • Fixed-rate and ARM options
  • Refinancing options available

  • Can provide qualifying down payment
  • Don’t have an established credit history or have experienced credit challenges in the past

  • 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

  • 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

  • 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

Mortgage Type

Conventional Fixed Rate Mortgages1

Key Benefits

  • Fixed rate for entire term of loan
  • Flexible terms available

Worth Considering If You…

  • Plan on living in your home for a long period of time
  • Have an established credit history
  • Can provide qualifying down payment

Mortgage Type

Adjustable-Rate Mortgages (ARMs)2

Key Benefits

  • Flexible underwriting guidelines
  • Initial lower monthly payments
  • Varying initial rate periods

Worth Considering If You…

  • Plan on living in your home for only a few years
  • Have an established credit history
  • Can provide qualifying down payment

Mortgage Type

Jumbo Mortgages

Key Benefits

  • Increased purchase limits
  • Competitive rates
  • Fixed-rate and ARM options

Worth Considering If You…

  • Are buying a home that is more than conforming loan limits ($510,400+)
  • Have an established credit history
  • Can provide qualifying down payment

Mortgage Type

Key Benefits

  • Flexible qualification guidelines & terms
  • Fixed-rate and ARM options
  • Refinancing options available

Worth Considering If You…

  • Can provide qualifying down payment
  • Don’t have an established credit history or have experienced credit challenges in the past

Mortgage Type

Key Benefits

  • Low or no down payment options
  • Fixed rate for entire term of loan

Worth Considering If You…

  • Are a First-Time Homebuyer
  • If the home property is located in an eligible geographical area as determined by the USDA
  • Meet income eligibility

Mortgage Type

Key Benefits

  • Low or no down payment options
  • No Private Mortgage Insurance (PMI) required
  • Flexible qualification guidelines & financing options

Worth Considering If You…

  • Are an active military member or veteran
  • Are the surviving spouse of a service member who died as a result of military service

Mortgage Type

Key Benefits

  • Low or no down payment options
  • Flexible qualification guidelines & financing options
  • No geographic restriction for property location
  • Fixed rate for entire term of loan

Worth Considering If You…

  • Are a First-Time Homebuyer
  • Meet income and purchase price limits
  • Willing to take required homebuyer education course

Mortgage Type

Construction Loans

Key Benefits

  • Convenient financing for new construction

Worth Considering If You…

  • Are building a new custom home
  • Are buying a lot for a future home

Find the perfect home loan for you!

Launch our simple step-by-step mortgage application to get started today.

Apply Now

*Pre-approvals are not available for all programs.

(1) A 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.