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Ready to take the next step to building your wealth? Whether this mortgage is your first or your next, Wisconsin’s #1 Mortgage Lender will be with you every step of the way. We're as excited as you are to get you into your new home! And a closing cost bonus is just one of the many ways we help you do it.
  • First-Time Homebuyer Bonus: up to $1,100 Off Closing Costs
  • Home Purchase Bonus: up to $600 Off Closing Costs
In helping over 10,000 people build wealth through homeownership in the last year, we know exactly how to help you enjoy that “I’m buying a new house!” feeling. Make decisions easily and with confidence when you partner with Wisconsin’s #1 Mortgage Lender. Plus, get support every step of the way with:
  • A free, 15-minute mortgage preapproval
  • The flexibility to submit your application now and lock in your rate anytime up to 7 days before closing (great in a rising rate environment)
  • Local mortgage service for the life of the loan
  • Helpful and other easy
We offer a lot of ways to make your home happen, and we’ll help you find the best mortgage for your budget and overall goals. We've made it easy for you to do a quick (ARMs) as you get started, too! Your interest rate stays the same over your loan term (30, 20, 15 or 10 years).Explore if:
  • You love the stability of knowing what your payments will be.
  • You expect to stay in your home for a while.
You lock in a low rate for an initial term (from 3 to 15 years), then your rate and payments may go up or down after that.Explore if:
  • You’re looking for a more affordable payment early on.
  • You don’t plan to stay in your home for the long haul.
  • You want a down payment option as low as 10% and the savings of no mortgage insurance requirement.
Use your current home’s equity to fund a down payment on a new home.Explore if:
  • You don’t want to worry about having to sell your home before buying your next home.
This Adjustable-Rate Mortgage offers funding beyond the conventional loan limit (currently $806,500), which is set and updated yearly by the Federal Housing Financing Agency. Explore if:
  • You’re looking for a home loan over the conventional loan limit. The current limit is $806,500. This amount may change on a yearly basis.
Summit also offers WHEDA, FHA, USDA and VA Loans to help make homeownership possible. Let’s talk and see what programs you may qualify for. As part of our mortgage team, we also have a dedicated Community Lending Mortgage Loan Officer to support your down payment assistance needs, questions and paperwork. A preapproval helps you know exactly what you can afford and feel confident in your homebuying decisions. Plus, that extra knowledge makes you a more credible buyer, letting sellers know you have the financing available to make your purchase. We're here for your questions and everything you need to know on how to get preapproved for a house! To get started, you just need:
  • Your most recent 30 days of pay stubs and two years of W-2s.
  • Your non-Summit statements for all bank accounts and loan balances.
Wherever you’re at in your mortgage journey, reach out! We’re here to talk through your goals and questions and offer guidance so you can move forward, stress-free. We make it easy to connect with us: Over 40 Mortgage Loan Officers In-person, video or phone 800-236-5560 Check the status of your mortgage application or upload requested documents online anytime by logging in to our Borrower Center. Get Started with the Credit Union That Does More for You More Tools & Resources FAQs
Our stress-free preapproval process makes it even easier to enjoy that home away from home, whether it’s up north or somewhere warmer. Let’s make your home plans happen – even if that means starting from the ground up! Learn more about financing with a construction, lot or land loan. You’ve put in work to build your home’s equity, and you deserve to cash in on that increased value! Learn how with a HELOC or Home Equity Loan.
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* The Wisconsin's #1 Mortgage Lender designation is based on the number of loans in 2023, gathered from the Home Mortgage Disclosure Act data compiled annually by the Consumer Financial Protection Bureau. The results of the data were obtained through the LEI: 254900NTAC4H10MGSU23 ** SBA Lender of the Year Award for Credit Unions as awarded by the Small Business Administration of Wisconsin in 2024. Copyright 2025 © Summit Credit Union. All rights reserved. If you are using a screen reader and are having problems using this website, please call 608-243-5000 for assistance. Insured by NCUA