Home Mortgages

We'll help find the best home loan for you

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.

Homeownership with Confidence

Get a $500 Home Depot Gift Card

Congratulations! Buying and moving into your first home is a major milestone. Get the tools you need for homeownership with confidence!

Make your new home your own. From essentials to decor, we've got you covered with a $500 Home Depot Gift Card with a new home loan and direct deposit in a new checking account.

Apply Now

*Mortgage application must be received on or before December 31, 2021. Gift card value is limited to $500 and limited to one per eligible loan. Cannot be redeemed for cash. Offer good on owner-occupied purchase loans for first-time homeowners only. Offer not available on HELOCs or construction loans. Gift card to be provided within 30 days of setting up direct deposit on any new eligible checking account. For example, our No Hassle Interest account pays .10% Annual Percentage Yield (APY). Rate may change after the account is opened. Fees may reduce earnings. APY accurate as of 8/1/21. Account must be opened prior to loan closing. $50 minimum deposit to open the account. Offer subject to credit approval. Other restrictions may apply. Contact Coulee Bank for details. Equal Housing Lender. Member FDIC.NMLS #410835

Mortgage Types

Conventional

  • Features fixed 30-year, 20-year, 15-year or 10-year loan options
  • Minimum down payment is 3.00%
  • Mortgage Insurance is required until the loan is below 80% loan-to-value
  • As low as 620 credit score with automated underwriting approval

USDA

  • Property must fall within certain rural areas
  • Features fixed 30-year and 15-year loan options 
  • Minimum down payment is 0.00%.
  • Mortgage Insurance is required for the life of the loan
  • As low as 640 credit score with automated underwriting approval

Federal Housing Authority (FHA)

  • Features fixed 30-year and 15-year loan options
  • Minimum down payment is 3.50%
  • Mortgage Insurance is required for the life of the loan
  • As low as 580 credit score with automated underwriting approval

Federal VA Loans

  • Features fixed 30-year and 15-year loan options 
  • Minimum down payment is 0.00%
  • Mortgage Insurance is not required
  • As low as 600 credit score with automated underwriting approval

WI Housing Economic Development Authority (WHEDA)

  • Borrowers must fall under certain income and Purchase price requirements
  • Features fixed 30-year and 15-year loan options 
  • Minimum down payment is 3.00%. The down payment and closing costs can be financed as a fixed 2nd mortgage loan through WHEDA
  • Mortgage Insurance is required until the loan is below 80% loan-to-value. WHEDA offers discounted Mortgage Insurance
  • As low as 640 credit score with automated underwriting approval

MN Housing

  • Borrowers must fall under certain income and purchase price requirements
  • Features fixed 30-year and 15-year loan options
  • Minimum down payment is 3.00%. The down payment and closing costs can be financed as a fixed 2nd mortgage loan through Minnesota Housing
  • Mortgage Insurance is required until the loan is below 80% loan-to-value. Minnesota Housing offers discounted mortgage insurance
  • As low as 640 credit score with automated underwriting approval

Mortgage Payment Calculator

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.