--- title: Mortgages | Bank of Sun Prairie --- [Skip to content](https://learnmore.bankofsunprairie.com/mortgage#main-content) [Skip to footer](https://learnmore.bankofsunprairie.com/mortgage#footer) [![Bank of Sun Prairie Logo](https://learnmore.bankofsunprairie.com/hubfs/logo-1.svg "Bank of Sun Prairie Logo")](https://learnmore.bankofsunprairie.com/?hsLang=en) # Remarkably Normal Mortgages No gimmicks. No pressure. Just straightforward home loans from people who live here, too. ### I’m buying my first home First time? We’ll walk you through every step, in plain English. [Learn More](https://learnmore.bankofsunprairie.com/mortgage#first) ### I’m moving or relocating Ready for something different? Let's find the right fit. [Learn More](https://learnmore.bankofsunprairie.com/mortgage#second) ### I’m refinancing Looking for a better rate or different terms? Let's talk. [Learn More](https://learnmore.bankofsunprairie.com/mortgage#third) [Apply Now](https://idp.elliemae.com/authorize?site_id=5884275819&response_type=code&redirect_uri=https%3A%2F%2Fbankofsunprairie.mymortgage-online.com%2Fborrower-app%2Flogin%2F%3FworkFlowId%3D104791%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D5884275819&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11217237&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2F2958cc81-adf4-4ae4-a5c4-262f5c630fd5&logo_url_href=https%3A%2F%2Fwww.bankofsunprairie.com%2Fhome-lending%2F&logo_alt_text=HOME&bust=484&apiBaseUrl=https://api.elliemae.com) [Meet with a Lender](https://learnmore.bankofsunprairie.com/mortgage#lender) ## Buying your first home? We’ve got you. Nobody's born knowing how mortgages work, and that's exactly why we're here. At Bank of Sun Prairie, our local lending team walks you through every step, from "wait, what's PMI?" to the moment you're holding your keys. If you haven't owned a home in the last three years, you may qualify for our First-Time Home Buyer Program — and yes, it comes with real perks. ### What's in it for you: - Low and no down payment options - No monthly PMI options available - Up to $500 off closing costs - Local decisions, local people - Free prequalification [Apply Now](https://idp.elliemae.com/authorize?site_id=5884275819&response_type=code&redirect_uri=https%3A%2F%2Fbankofsunprairie.mymortgage-online.com%2Fborrower-app%2Flogin%2F%3FworkFlowId%3D104791%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D5884275819&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11217237&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2F2958cc81-adf4-4ae4-a5c4-262f5c630fd5&logo_url_href=https%3A%2F%2Fwww.bankofsunprairie.com%2Fhome-lending%2F&logo_alt_text=HOME&bust=484&apiBaseUrl=https://api.elliemae.com) ![](https://learnmore.bankofsunprairie.com/hs-fs/hubfs/bosp1a.jpg?width=671&height=700&name=bosp1a.jpg)   ## Conventional Mortgages ### Fixed-Rate Mortgage Your interest rate stays the same for the life of the loan. Predictable payments, no surprises. [Apply Now](https://idp.elliemae.com/authorize?site_id=5884275819&response_type=code&redirect_uri=https%3A%2F%2Fbankofsunprairie.mymortgage-online.com%2Fborrower-app%2Flogin%2F%3FworkFlowId%3D104791%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D5884275819&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11217237&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2F90871c32-0984-495b-ae70-fb029b1deb3c&logo_url_href=https%3A%2F%2Fwww.bankofsunprairie.com%2Fhome-lending%2F&logo_alt_text=HOME&bust=435&apiBaseUrl=https://api.elliemae.com) ### Adjustable Rate Mortgage Starts with a lower rate that can move up or down with the market over time. [Apply Now](https://idp.elliemae.com/authorize?site_id=5884275819&response_type=code&redirect_uri=https%3A%2F%2Fbankofsunprairie.mymortgage-online.com%2Fborrower-app%2Flogin%2F%3FworkFlowId%3D104791%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D5884275819&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11217237&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2F90871c32-0984-495b-ae70-fb029b1deb3c&logo_url_href=https%3A%2F%2Fwww.bankofsunprairie.com%2Fhome-lending%2F&logo_alt_text=HOME&bust=435&apiBaseUrl=https://api.elliemae.com) ## Low or no downpayment options ### FHA Loan Lower down payment requirements and more flexibility if your credit has some bumps. [Apply Now](https://idp.elliemae.com/authorize?site_id=5884275819&response_type=code&redirect_uri=https%3A%2F%2Fbankofsunprairie.mymortgage-online.com%2Fborrower-app%2Flogin%2F%3FworkFlowId%3D104791%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D5884275819&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11217237&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2F2958cc81-adf4-4ae4-a5c4-262f5c630fd5&logo_url_href=https%3A%2F%2Fwww.bankofsunprairie.com%2Fhome-lending%2F&logo_alt_text=HOME&bust=484&apiBaseUrl=https://api.elliemae.com) ### USDA Loan Zero down payment for homes in eligible rural areas — more of Wisconsin qualifies than you'd think. [Apply Now](https://idp.elliemae.com/authorize?site_id=5884275819&response_type=code&redirect_uri=https%3A%2F%2Fbankofsunprairie.mymortgage-online.com%2Fborrower-app%2Flogin%2F%3FworkFlowId%3D104791%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D5884275819&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11217237&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2F2958cc81-adf4-4ae4-a5c4-262f5c630fd5&logo_url_href=https%3A%2F%2Fwww.bankofsunprairie.com%2Fhome-lending%2F&logo_alt_text=HOME&bust=484&apiBaseUrl=https://api.elliemae.com) ### VA Loan Zero-down mortgages for qualified veterans and active service members. [Apply Now](https://idp.elliemae.com/authorize?site_id=5884275819&response_type=code&redirect_uri=https%3A%2F%2Fbankofsunprairie.mymortgage-online.com%2Fborrower-app%2Flogin%2F%3FworkFlowId%3D104791%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D5884275819&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11217237&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2F2958cc81-adf4-4ae4-a5c4-262f5c630fd5&logo_url_href=https%3A%2F%2Fwww.bankofsunprairie.com%2Fhome-lending%2F&logo_alt_text=HOME&bust=484&apiBaseUrl=https://api.elliemae.com) ### WHEDA Loan A Wisconsin-specific 30-year fixed-rate option with a low down payment, and you can finance the down payment itself. [Apply Now](https://idp.elliemae.com/authorize?site_id=5884275819&response_type=code&redirect_uri=https%3A%2F%2Fbankofsunprairie.mymortgage-online.com%2Fborrower-app%2Flogin%2F%3FworkFlowId%3D104791%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D5884275819&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11217237&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2F2958cc81-adf4-4ae4-a5c4-262f5c630fd5&logo_url_href=https%3A%2F%2Fwww.bankofsunprairie.com%2Fhome-lending%2F&logo_alt_text=HOME&bust=484&apiBaseUrl=https://api.elliemae.com) ### Home One® Fixed-rate option with a limited down payment requirement. [Apply Now](https://idp.elliemae.com/authorize?site_id=5884275819&response_type=code&redirect_uri=https%3A%2F%2Fbankofsunprairie.mymortgage-online.com%2Fborrower-app%2Flogin%2F%3FworkFlowId%3D104791%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D5884275819&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11217237&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2F2958cc81-adf4-4ae4-a5c4-262f5c630fd5&logo_url_href=https%3A%2F%2Fwww.bankofsunprairie.com%2Fhome-lending%2F&logo_alt_text=HOME&bust=484&apiBaseUrl=https://api.elliemae.com)   ## Refinancing done right. | Shorter Term | Lower Rates | | --- | --- | | Reduced Payments | Consolidate Debt | Whatever you are trying to achieve, we can help you understand your many refinancing options. With decades of combined experience, our mortgage lending team will work with you to find the best approach to refinancing your home. **Use your cash equity to:** - Remodel your home - Fund an education - Buy an investment property - Start a business - And so much more! [Apply Now](https://idp.elliemae.com/authorize?site_id=5884275819&response_type=code&redirect_uri=https%3A%2F%2Fbankofsunprairie.mymortgage-online.com%2Fborrower-app%2Flogin%2F%3FworkFlowId%3D104791%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D5884275819&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11217237&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2F2958cc81-adf4-4ae4-a5c4-262f5c630fd5&logo_url_href=https%3A%2F%2Fwww.bankofsunprairie.com%2Fhome-lending%2F&logo_alt_text=HOME&bust=484&apiBaseUrl=https://api.elliemae.com) ![](https://learnmore.bankofsunprairie.com/hs-fs/hubfs/bosp2a.png?width=668&height=700&name=bosp2a.png) ## Curious what the numbers look like? It's a calculator, not a commitment. Just a way to see if you're in the ballpark [View Calculator](https://bankofsunprairie.com/calculator---home-affordability.html)   Contact a Lender ## It's normal to have questions. ![](https://learnmore.bankofsunprairie.com/hubfs/Ellipse%201.svg) ### Gabrielle J. Loeffler Sun Prairie - East | NMLS ID: 524147 [Meet with this Lender](https://bankofsunprairie.mymortgage-online.com/GabrielleJLoeffler.html) ![](https://learnmore.bankofsunprairie.com/hubfs/Bryan%20Bazan.png) ### Bryan Bazan Sun Prairie - West | NMLS ID: 631659 [Meet with this Lender](https://bankofsunprairie.mymortgage-online.com/BryanBazan.html) ![Michelle A. Hahn](https://learnmore.bankofsunprairie.com/hubfs/Michelle%20A.%20Hahn.png) ### Michelle A. Hahn Sun Prairie - East | NMLS ID: 762819 [Meet with this Lender](https://bankofsunprairie.mymortgage-online.com/MichelleAHahn.html) ![](https://learnmore.bankofsunprairie.com/hubfs/Monica%20Gonzalez.png) ### Monica Gonzalez Sun Prairie - West | NMLS ID: 523588 [Meet with this Lender](https://bankofsunprairie.mymortgage-online.com/MonicaGonzalez.html) ![](https://learnmore.bankofsunprairie.com/hubfs/Amy%20M.%20Fosdick.png) ### Amy M. Fosdick Cottage Grove | NMLS ID: 486764 [Meet with this Lender](https://bankofsunprairie.mymortgage-online.com/AmyMFosdick.html) ![](https://learnmore.bankofsunprairie.com/hubfs/Craig%20Freng.png) ### Craig Freng Sun Prairie - East | NMLS ID: 759198 [Meet with this Lender](https://bankofsunprairie.mymortgage-online.com/CraigFreng.html) ## What you'll want to have handy Nobody's born knowing what "two most recent pay stubs" means. Here's what a lender will ask for. - **Photo ID** (driver's license or passport) - **Two most recent pay stubs** - **Last two years of tax returns** (W-2s or 1099s) - **Two months of bank statements** (checking and savings) - **Current mortgage statement** (if refinancing) - **Proof of other income** (if applicable: alimony, social security, etc.) ## Your home is waiting. So is your mortgage. At Bank of Sun Prairie, getting a mortgage is exactly as complicated as it needs to be — and no more. Talk to a local lender who'll give you straight answers, fair terms, and none of the runaround. [Let's Get You Home](https://idp.elliemae.com/authorize?site_id=5884275819&response_type=code&redirect_uri=https%3A%2F%2Fbankofsunprairie.mymortgage-online.com%2Fborrower-app%2Flogin%2F%3FworkFlowId%3D104791%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D5884275819&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11217237&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2F2958cc81-adf4-4ae4-a5c4-262f5c630fd5&logo_url_href=https%3A%2F%2Fwww.bankofsunprairie.com%2Fhome-lending%2F&logo_alt_text=HOME&bust=484&apiBaseUrl=https://api.elliemae.com) Bank of Sun Prairie | NMLS #434578 Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. All loan programs are subject to credit approval. Interest rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations may apply. This is not a commitment to lend. All loans subject to underwriting approval. --- © Copyright 2026 Bank of Sun Prairie. ![fdic-white-40](https://learnmore.bankofsunprairie.com/hubfs/fdic-white-40.svg "fdic-white-40") ![eql-white-40](https://learnmore.bankofsunprairie.com/hubfs/eql-white-40.svg "eql-white-40") [![bbb-abseal-horizontal-black](https://learnmore.bankofsunprairie.com/hs-fs/hubfs/bbb-abseal-horizontal-black.png?width=112&height=40&name=bbb-abseal-horizontal-black.png "bbb-abseal-horizontal-black")](https://https:/​/​www.bbb.org/​us/​wi/​sun-prairie/​profile/​financial-services/​bank-of-sun-prairie-0694-15023899/​#sealclick)