• 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
  • ARM Loans
  • USDA Rural Development Loans
  • VA 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

Conventional Loans

• LTV ratios up to 97% for first-time homebuyers
• Occupancy:
  • Owner-occupied
  • Second homes and investment properties
• Fixed Interest Rate for the full term of the mortgage loans

Non- Conventional Loans

JUMBO Loans

• Covers Single- family primary residences or second homes
• Purchase, Rate/Term and Cash-Out refinances.
• 60- month or 84- month fixed rate ARMS or 15-year fixed rate mortgages

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

Lower your borrowing costs. Up to $10,000 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 $10,000 may be available to eligible homebuyers in 2024 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 2024, you could receive up to $10,000 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, Chief Executive Officer, NMLS 647453

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

David Keleher,  President, NMLS 647455

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

Tom Dehnert,  Executive Vice President, Loan Officer, NMLS 647457

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

Stephen A Fiore, Vice President-Loan Officer, NMLS 460126

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

Mitchell Weyer,  Vice President - Senior Loan Officer, NMLS 647667

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

Logan Larrabee,  Loan Officer- Credit Analyst, NMLS 2172715

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