Home Mortgages

We'll help find the best home loan for you

Get Matched with a Local Lender!

Answer a few short questions and we will connect you with a local Coulee Bank Mortgage Loan Officer.

Do you currently own a home?
Are you looking to buy or refinance?
Select one that is most applicable.

A House Warming Gift For You

Limited Time Offer!

Receive $500 off closing costs on any owner-occupied mortgage purchase now through July 31st!

Apply Now

*Offer good on applications received between 6/1/25 and 7/31/25. Value is limited to $500. Cannot be redeemed for cash. Offer subject to credit approval. Offer good on owner-occupied purchase mortgage only. Other restrictions apply. Contact Coulee Bank for details.

Equal Housing Lender. Member FDIC. NMLS #410835

Mortgage Types

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. We'll get to know you so that we can find the perfect loan for you!

Conventional

  • Features fixed 30-year, 20-year, 15-year or 10-year loan options
  • Minimum down payment required
  • 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 
  • No down payment required
  • 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 required
  • 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 
  • No minimum down payment
  • 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 loan option 
  • Minimum down payment required. 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 620 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 required. 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

The Complete Guide to Home Buying

Everything you ever wanted to know about becoming a homeowner and more!

To help you get the most out of your home purchase, let's examine what you'll need to consider before you buy, what you can expect from the buying process itself, and some handy tips to make life easier after you move into your home. Includes a home comparison checklist and a contact list so you can stay organized.

Read Guide

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