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Home Mortgages

When it comes to real estate financing, applying for a mortgage can sometimes be very intimidating because there are so many different options to choose from. Our experienced team of mortgage specialists will help guide you to find the loan that's best for you.

Home mortgages are available to help finance the most important purchase you may ever make. We offer conventional fixed-rate, variable-rate, FHA, VA, and WHEDA mortgages.

Fixed-Rate Mortages

  • Monthly principal and interest payments stay the same over the life of the loan, so you can budget accordingly
  • Great protection from rising interest rates

Variable-Rate Mortgages

  • Typically has lower initial interest rate and monthly P&I payments.
  • Rates and monthly payments can change after the initial fixed-rate period

Federal Housing Authority (FHA)

  • Offers a low down payment and provides the security of a fixed-rate mortgage
  • Flexible credit requirements
  • Special requirements apply

Federal VA Loans

  • Great option if you have Military Benefits 
  • Typically doesn't require mortgage insurance 
  • No or low down payment options

WI Housing Economic Development Authority (WHEDA)

  • Typically offers a lower down payment 
  • Some income limits apply and vary by county 


Coulee Bank's lending priority is focused on serving the communities in close proximity to our branch offices. For our La Crosse and Onalaska, Wisconsin branches, our primary lending area will be residents in Jackson, La Crosse, Monroe, Trempealeau, and Vernon counties in Wisconsin and Houston and Winona counties in Minnesota. For our Twin Cities branch located in St. Paul, Minnesota, our primary lending area will be residents in Anoka, Carver, Chisago, Dakota, Hennepin, Ramsey, Scott, Washington, and Wright counties in Minnesota, and St. Croix and Pierce counties in Wisconsin.  For our Rochester, Minnesota  Lending Production office, our primary lending area will be residents in Olmstead, Wabasha, Goodhue, Dodge, Fillmore, and Mower counties.