Home Mortgages

We'll help find the best home loan for you

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 ther 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.

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.