Mortgage Applicants
MUST be Over 18 and reside in:

If you reside outside of this area, the approval process will begin with our evaluation of whether we can adequately service your lending needs.

• For purchase we will require an “Offer to Purchase” and a “Seller’s Condition” report signed by all parties
• Income/Wage verification
• Property tax statement
• Homeowners Insurance
• Evidence of Title

Step 1: Contact us in Cameron at (715) 458-2513 in Grantsburg at (715) 463-3456 in Siren at (715) 349-7499

to find out if you can pre-qualify for the mortgage you need. With pre-qualification, your offer will a better chance of being accepted by the seller and it will make the closing process even faster. We'll also be happy to answer any questions you might have about the application process.

Step 2: Get your secure Credit Report in seconds.

That way you can make sure the reported information is accurate which may help to speed up a decision on your Application. You'll be required to pay a nominal fee to the credit bureau for your report, but we'll waive the fee that we normally charge to obtain your credit report if your Application for a mortgage is approved.

Step 3: Complete our Mortgage Application.

You may Download a Mortgage Application and complete it off-line. This will allow you to key-in the information requested, print, sign and either fax, mail or drop it off.

We'll process your application quickly and get back to you right away with the answer you need.

It is the policy of this corporation and its affiliates (the “Bank”) that no person shall be discriminated against by the Bank in the granting or extension of credit, or in the capacity or privilege of obtaining credit, on the basis of race, color, religion, age, national origin, sex, marital status, handicap, familial status, that part (or all) of the applicant's income is from public assistance programs (such as Aid to Families with Dependent Children, Social Security, and non-cash benefits such as food stamps), or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Bank will comply with all requirements of the Federal Equal Credit Opportunity Act and the Federal Reserve Board Regulation B as well as the Fair Housing Act and all other similar laws, both state and federal.

The Bank will not:

• deny credit to any applicant based on the above prohibited factors;
• increase the charge for credit to any applicant based on the above prohibited factors;
• restrict the use or amount of credit to any applicant based on the above prohibited factors;
• use different credit application procedures for any applicant based on the above prohibited factors;
• use credit evaluation criteria for any applicant based on the above prohibited factors.