Mortgages Made Easy
Buy with confidence. Borrow with a local team who has your back.
Whether you're buying your first home, upgrading, or refinancing, our local mortgage team makes the process simple, clear, and fast - so you can focus on finding the right home.
- Get pre-qualified in as little as 1 day.
- Local decisions. Local service. No big call centers.
- Guidance every step of the way.
New to homebuying? Start here.
We know getting a mortgage can feel overwhelming, especially if you've never done it before. We'll walk you through it step by step.
Your path to homeownership:
- Start with getting pre-qualified. Know your budget and shop with confidence.
- Find the right home. When you're ready, submit your offer.
- Lock in your loan. We handle the details and keep things moving.
- Close and get your keys. Celebrate! You're a homeowner!
Start with getting pre-qualified today. It's easier than you think!
How much home can you afford?
Before you fall in love with a home, let's make sure it fits your budget.
Use our Mortgage Calculator
- Estimate your monthly payment
- Explore different price ranges
- Understand how much interest you may pay
Prefer to talk it through? We're here for that, too.
Why Choose Us
Big banks process loans. We build relationships.
You're not just a loan number here, you're our neighbor.
Professional Guidance
Everyone offers a wide range of loan products with a wide range of customization options. Without the right lender, or simply using an online system, you may be offered a loan based solely on numbers, versus our experienced lenders who will have a conversation with you and identify the true unique identifiers of your situation and help connect you with your best loan option.
One-Stop Shop with Easy Digital Tools
We can show you a variety of great loan options with one application! Our application process is very smooth. We can offer you a pre-qualification letter, and you can submit everything through our BOW Mortgage app. You will also get notifications throughout the process so you know exactly what steps have been completed and what steps are next.
We're Here even After the Loan
For us, it's all about the relationship, and if you have a question about one of the largest purchases you will ever make, being able to talk with us, versus calling an automated 800 number, really means something! We service our loans, which means you will be making your payments locally, and talking with local people when you have questions.
Meet your local mortgage team
When you call us, you won't get a 1-800 number. You'll get someone who knows your market and a real person answering the phone.
- Experienced local lenders
- Deep knowledge of our community
- Proven track record helping first-time and experienced buyers succeed
Sherry Wahle
SVP, Director of Mortgage and Consumer Lending
NMLS 591834
Phillip Kleekamp
VP, Mortgage and Consumer Lender
NLMS 2124193
Conventional Fixed-Rate Loan
- Traditional, fixed-rate mortgage, no interest rate surprises
- Flexible down payment and term options - financing terms available up to 97% financing (only 3% down payment)
- With a 20% down payment, private mortgage insurance is not needed
- No property use or location restrictions
USDA Loan
- 100% financing (0% down payment) for qualified buyers and qualified properties
- Household income limits and geographic location requirements must be met
- Can only be used for a primary residence
Adjustable Rate Mortgage (ARM)
- Initial fixed period where you pay a fixed interest rate, followed by an adjustable period where the interest rate fluctuates
- Interest rate could increase or decrease once the initial fixed period rate expires
- Down payment requirements fluctuate based on the individual buyer and property
- What you should know about ARM Loans
- Appraisal Disclosure
- 5/1 ARM Disclosure
- 3/3 ARM Disclosure
- 1/1 ARM Disclosure
FHA Loan
- More lenient credit score guidelines
- Low down payment requirements
- Private mortgage insurance is required
- Can only be used for a primary residence
VA Loan
- More lenient credit score guidelines
- 100% financing (0% down payment) for qualified buyers.
- No mortgage insurance required and no loan limits
- Can only be used for a primary residence by VA qualified borrower
New Construction
- Short-term, interim loan
- Designed for borrowers building a new home
-
Easily convert your construction loan into a permanent mortgage once your home is complete
Land / Lot Loan
- Purchase the land now and make the decision to build later
- Land for future construction or permanent loan options
- What you need to know about ARM loans
- 5/1 ARM Vacant Ground Disclosure
- 3/3 ARM Vacant Ground Disclosure
- 1/1 ARM Vacant Ground Disclosure
- 1/1 ARM Recreational Land Disclosure
Home Equity Line of Credit (HELOC)
- Use the equity in your home to consolidate bills, buy a new car, pay for tuition or remodeling projects
- Home Equity Application Disclosure
- What you should know about Home Equity Lines of Credit
- Appraisal Disclosures
What you'll need to get started
Getting a mortgage is easier when you're prepared. We'll guide you through it.
Typical items include:
- Recent pay stubs
- W-2s or tax returns
- Bank statements
- Photo ID
We'll walk you through it step by step. No need to stress.
