• Competitively low rates for home purchase, refinance, or construction
  • Click Here to view rates
• Available for primary residence, second homes, vacation homes, or investment properties
• A wide range of terms customized to your unique situation
• A wide range of financing programs available:
  • Conventional Fixed Rate Mortgages
  • Balloon Mortgages
  • Construction Loans
  • USDA Rural Development Loans
  • VA Loans
  • FHA Loans
  • WHEDA Loans
  • Jumbo Loans
  • Home Equity Lines of Credit
  • Home Improvement Loans
• Helpful loan advisors with working knowledge of the local real estate market
• Free pre-approval for extra confidence when it comes to securing financing
• Refinance your current home to potentially lower your rate
• Local decision-making and processing in Southern Wisconsin
• Attentive, friendly service from start to finish

Jumbo Loans

• No borrower paid mortgage (PMI) or regular insurance options available
• Minimum down payment – can be a gift when debt ratio and credit guidelines are met, regardless of down payment amount
• 5% down payment on purchase price up to $650,000
• 10% down payment on purchase price up to $944,000 

Non-Conventional Loans

Federal Housing Administration (FHA) Loans

• Low down payment
• Gift funds available
• Cash reserves not required
• Flexible credit history requirements
• Closing costs can be paid by seller
• Flexible debt-to-income ratios streamline refinance available

United States Department of Agriculture (USDA) Loans

• No down payment required
• Closing costs can be refinanced into loan
• Fixed interest rate
• Must buy home in USDA-eligible area
• Flexible credit history requirements
• First-time homebuyers eligible 

United States Department of Veteran Affairs (VA) Loans

• No down payment
• No private mortgage insurance
• Cash reserves not required
• Closing costs and prepaid expenses can be paid by seller
• Streamline refinance available

Wisconsin Housing and Economic Development Authority (WHEDA)

• Fixed interest rate
• First-time homebuyer may qualify for federal income tax credit
• As little as no down payment
• Reduced-cost private mortgage insurance

Lower your borrowing costs. Up to $6,000 available for the purchase of your home.

If you want to buy a home and have a steady income and good credit, Badger Bank and the Federal Home Loan Bank of Chicago can help.

Through the Downpayment Plus® Program¹, up to $6,000 may be available to eligible homebuyers in 2021 to use toward down payment and closing costs. Ask one of our loan officers today about the Downpayment Plus Program to see if you are eligible. 

Homebuyers must meet income eligibility requirements and:

• Contribute at least $1,000 to the purchase of the home
• Participate in pre-purchase homebuyer counseling
• Live in the home as your primary residence

Badger Bank is committed to helping our neighbors. We can help lower your borrowing costs if you qualify for the Downpayment Plus Program. In 2021, you could receive up to $6,000 for the purchase of a home! 

¹Downpayment Plus is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago’s website at www.fhlbc.com for complete requirements. “Downpayment Plus” is a registered trademark of the Federal Home Loan Bank of Chicago.

Our Lending Team

Steven Dehnert, President and Chief Executive Officer, NMLS 647453

Office: 920-563-2478; E-Mail: [email protected]

David Keleher, Executive Vice President, NMLS 647455

Office: 920-563-2478; E-Mail: [email protected]

Tom Dehnert, Vice President, Loan Officer, NMLS 647457

Office: 920-563-2478; E-Mail: [email protected]

Stephen A Fiore, Vice President-Lending, NMLS 460126

Office: 920-563-2478; E-Mail: [email protected]

Jana Evans, Vice President-Retail Banking Manager, NMLS 647459

Office: 608-423-3241; E-Mail: [email protected]

Mitchell Weyer,  Vice President -Loan Officer-Office Manager, NMLS 647667

Office: 920-699-2905; E-Mail: [email protected]

Robert C. Byrne,  Vice President -Loan Officer, NMLS 1488422

Office: 920-674-2406 E-Mail: [email protected]