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Home Loans

Mortgage Closing Costs: What can I Expect?

Mortgage Closing Costs: What can I Expect?

Posted On: December 1, 2021 by Prevail Bank in: Home Loans

Mortgage Closing Costs: What can I Expect?

You found the perfect home, saved for a down payment, and applied for a mortgage. Now it’s time to finalize the paperwork and pay the mortgage closing costs. But what types of expenses might you incur in your closing costs?

Sue Ruesch, NMLS #675057, Wisconsin Rapids Mortgage Lender, provides possible expenses you may incur in your home closing costs, helping you better prepare.

Origination Underwriting/Document Prep Appraisal Credit...
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Tags: mortgage closing costs, Mortgage Tips, Wisconsin Homebuyer

First-Time Homebuyer Advice and Tips

6 First-Time Homebuyer Advice and Tips

Posted On: November 1, 2021 by Prevail Bank in: Home Loans

 

Are you currently renting? Are you a first-time homebuyer? Are you concerned the home buying process is going to be difficult?

Buying a house can be daunting. After all - they don't teach "Home Buying 101" in high school or college. But, being prepared makes all the difference.

It's easy to scroll through Realtor.com or Zillow and dream about owning the perfect house. The magic of HGTV's and DIY network remodeling shows get to us all. But slow down,...

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Tags: First-Time Homebuyer

8 Tips Before Applying for a Mortgage

8 Tips Before Applying for a Mortgage

Posted On: August 2, 2021 by Prevail Bank in: 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 Lender, Mortgage Tips

Eau Claire mortgage lender customer testimonial

Eau Claire Home Loan Testimonial

Posted On: June 28, 2021 by Prevail Bank in: Banking, 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: Community, Eau Claire Mortgage Lender, Home Lending, home loan, Home Loan Testimonial

Stevesn Point Home Loan Testimonial

Stevens Point Home Loan Testimonial

Posted On: June 28, 2021 by Prevail Bank in: Banking, 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: Community, home loan, Home Loan Testimonial, Mortgage Lender, Stevens Point Home Loan Testimonial

Building Your Dream Home?

How to Finance Building Your New Home

Posted On: April 6, 2021 by Prevail Bank in: 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: finance building your new home, home loan, Mortgage Lender, Mortgage Tips

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 Homebuyer, 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, Mortgage Tips

Should I Refinance?

Should I Refinance?

Posted On: November 30, 2020 by Prevail Bank in: 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, Mortgage Tips, 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: Mortgage Lender, Mortgage Tips, portfolio loan, secondary market loans

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