Mortgage Loans

Building, buying or refinancing?  We have the home loan for you.

  • Conventional Loans have a fixed rate and monthly payment for the entire life of the loan, making it easier to budget.
  • Adjustable Rate Loans usually start with lower rates than conventional loans, but the rate can fluctuate over the life of the loan.
  • Construction Loans allow you to finance the construction of your home, making funds available as your home builder needs them. Once your home is complete, you’ll want to choose a more long-term mortgage option for the end-financing of your home.


Refinancing your home can be a good way to save if interest rates are two or more percentage points below your current mortgage rate. Refinancing can also be a smart way to consolidate debt, switch from a variable rate to a fixed rate mortgage, change your loan term or cash out some of the equity in your home.

Home Purchase

If you’re in the market for a new home, make the home buying process easier with a pre-qualification from Wolf River Community Bank.  Talk with your mortgage lender to learn about a number of community grant programs that assist borrowers with down payments or other aspects of their mortgage.

Buying a Lot?

3.99% APR Lot Loan SpecialPurchase the lot loan for your dream home now, and build with us later! When it comes to financing a lot for your future home, Wolf River Community Bank has you covered.

If you’re digging the idea of claiming your own piece of paradise, take advantage of our 3.99% APR* residential lot loan promotion!

View our Lot Loan Special


Ready for Home Ownership?

Learn how to: know when you’re ready to purchase a home, save for your home, shop for the house and make an offer, get ready for closing and more at Fannie Mae’s home resources page.


Get Mortgage Rates in Your Email

Want to keep up with mortgage rates?  Sign up to receive our mortgage rates email!  We will deliver the rates to your inbox approximately twice a month.

Get Rates


We’re here to help.

If you need help deciding which mortgage solution is right for you, contact one of our expert mortgage lenders, or apply online today!

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*APR = Annual Percentage Rate. Promotional rate valid on residential lots with new money only and a WRCB deposit account with direct deposit and automatic payment. One promotional rate per entity or individual. Limited time only. All rates and terms are subject to change without notice. All loans subject to credit approval. Down payment of 20% required. Other restrictions may apply. Valid in WI only. Example: The monthly payment for a loan of $50,000 with a 3-year term would be $369.67 with a final balloon payment of $42,609.32.  APR is effective 10/17/2022. 

Mortgage RatesIcon For: Mortgage Rates

30 Year Fixed Rate
20 Year Fixed Rate
15 Year Fixed Rate
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*APR denotes Annual Percentage Rate. Sample payment and rates based on a loan of $100,000 with a down payment of 20% to purchase a primary residence. Estimated payment does not include taxes and insurance. Not all borrowers qualify for all mortgage programs; must meet underwriting guidelines and are subject to credit review and approval. Rates are subject to change at any time. Equal housing lender. NMLS #390191