Personal Loan Products
Mortgage Loans
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.
Click Here to Start Your Online ApplicationHere 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.
- Local servicing – we are always here to help you with any questions you may have.
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.
