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8 Tips Before Applying for a Mortgage

8 Tips Before Applying for a Mortgage

Posted On: August 2, 2021 by Prevail Bank in: Banking, Home Loans

 

A lot goes into applying for a mortgage and deciding whether it is the right time for you. From knowing your budget, researching home loan programs, getting ahead on your debt, increasing your savings, and becoming pre-approved. All are helpful in making the home buying process successful from start to finish.

Prevail Bank Mortgage Loan Originators Becky Brost, NMLS# 562333, and Lana Peterson, NMLS# 1236394, offer you helpful tips to help you make the best decisions...

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Tags: home loan, mortgage, Mortgage Lender

Eau Claire mortgage lender customer testimonial

Eau Claire Home Loan Testimonial

Posted On: June 28, 2021 by Prevail Bank in: Banking, Community, Home Loans

Real local people pursing what's possible.

Bill, a Northwestern Wisconsin native, is just like you. He went to college, works, and banks in the Eau Claire area. Bill knew of Prevail Bank through his relationship with our Eau Claire Mortgage Lender, Ryan (NMLS# 1836499). He wanted to try a community bank to find flexible financing for his unique home loan needs that larger banks weren’t available to help meet.

Bill chose to bank with us because at Prevail Bank, it’s...

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Tags: Eau Claire Mortgage Lender, Home Lending, home loan

Stevesn Point Home Loan Testimonial

Stevens Point Home Loan Testimonial

Posted On: June 28, 2021 by Prevail Bank in: Banking, Community, Home Loans

Real local people pursuing what's possible

Marsha VanArk, a Stevens Point native, knows the value of relationships and helping the local community succeed. As a wife, mother of two kids, and the owner of an expanding business for the past 12 years, working with a bank she can trust to guide her along her financial journey, both personally and professionally, gives her peace of mind.

The Stevens Point staff is “incredibly helpful and kind,” giving Marsha the small-town...

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Tags: home loan, Mortgage Lender, Stevens Point Home Loan Testimonial, testimonial

Building Your Dream Home?

How to Finance Building Your New Home

Posted On: April 6, 2021 by Prevail Bank in: Banking, Home Loans

 

You’ve decided to build a new home, that’s exciting! Your next step is to determine which type of construction loan will fit your needs best and help you finance building your new home: a construction-to-permanent loan or multiple loans.

 

Construction-to-Permanent Loan Vs. Multiple Loans for building

A construction-to-permanent loan is a one-time loan that offers cost-saving benefits and finances both the construction and permanent...

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Tags: dream home, finance building your new home, home loan, Mortgage Lender

Purchasing a New Home?

Purchasing a New Home?

Posted On: January 19, 2021 by Prevail Bank in: Home Loans

 

Sales in the housing market continue to be strong as we head into 2021. Driven by buyer demand growing in response to low industry-wide mortgage rates. Get pre-approved and find the mortgage rate that fits your needs today to make the process quick and easy!

We currently have special rates available to new home purchase customers. To find out your home loan rate, enter your information in the “Find Your Rate” Mortgage Calculator to see your mortgage rates...

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Tags: First Time Home Buyer, home loan, mortgage rates

Home Loans... More than just a rate.

Home Loans... More than just a rate.

Posted On: January 4, 2021 by Prevail Bank in: Home Loans

What is a mortgage loan rate?

Rate or interest is simply a percentage of the loan a lender charges to borrow money. This figure is beneficial to know so you can compare the cost of different lenders. To make the comparison easier, lenders must also inform you about how that interest rate will affect your payments over an entire year. This interest is known as the Annual Percentage Rate or APR, and it also includes any fees or additional costs associated with the loan.

Lower isn’t...
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Tags: buying a new house, home loan, Mortgage Lender, mortgage rates

Should I Refinance?

Should I Refinance?

Posted On: November 30, 2020 by Prevail Bank in: Banking, Community, Home Loans

Should I Refinance?

 

When deciding if refinancing your home loan is the best option, you will need to consider all necessary information to make an educated decision. Other than whether you can receive a better mortgage rate, there are many reasons people refinance their mortgage. Some of these reasons should have a higher priority than others.

When looking at refinancing, you should ask yourself these basic questions to determine if refinancing is right for you at...

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Tags: home loan, mortgage, Mortgage Lender, refinance

Which Home Loan is Right for You?

Which Home Loan is Right for You?

Posted On: October 19, 2020 by Prevail Bank in: Home Loans

 

Are you getting ready to dive into your first home purchase? Before doing so, it’s helpful to learn the difference between two types of loans offered by banks, to make an educated decision. These two loans are Portfolio and Secondary Market Loans.  Ultimately, deciding which of these loans is best for you, will depend on your preferences and unique circumstances.

What is a Portfolio Loan?

Portfolio loans are both owned and managed by your local bank. ...

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Tags: Local, Mortgage Lender, portfolio loan, secondary market loans

How to Afford a Down Payment without having 20%

How to Afford a Down Payment without having 20%

Posted On: September 18, 2020 by Prevail Bank in: Home Loans

How to Afford a Down Payment without having 20% Private Mortgage Insurance can Help What is Private Mortgage Insurance?

While putting 20% down on a home loan is the most cost-efficient option long-term, we understand that down payments can be difficult for many families to make. To assist home buyers who are unable to put at least 20% down on a home loan, Prevail Bank offers what is called Private Mortgage Insurance, or PMI for short.* PMI was established to help more homebuyers afford...

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Tags: Down Payments, Home Lending, Mortgage Lending, Private Mortgage Insurance

Bryan Wulk

Who you Work with Matters

Posted On: August 24, 2020 by Prevail Bank in: Home Loans

While finding the best rate on a home mortgage is important, so is finding the best mortgage lender to work with you. Home buyers typically make mortgage payments over the course of multiple years, so it’s important to work with a lender who can deliver on your home lending needs. There are many criteria to consider when finding a mortgage lender to work with; experience, communication, insight and credibility.

Experience

Taking a loan out on a house is no small feat, and our...

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Tags: mortgage, Mortgage Lender

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