Make a Payment Rates About Careers Contact Locations 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.
More to Celebrate When Buying Your New Home

Save on Closing Costs with Our Homebuyer Bonuses!

We're as excited as you are to get you into your new home! And these closing cost bonuses are our way of saying thanks for letting us help you through the process.
  • First-Time Homebuyer Bonus: $1,200 Off Closing Costs
  • Home Purchase Bonus: $700 Off Closing Costs
After closing over 15,000 home loans 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:
  • Free, 15-minute mortgage preapproval
  • Rate lock up to 7 days before closing
  • Response from a Mortgage Loan Officer in less than a day
  • Local support at every step of the process
  • In-person or online meetings to answer your questions
  • Easy-to-access digital resources, like and more
A Fixed-Rate Mortgage gives you rates and monthly payments that stay the same over the term of your entire loan. If you’re expecting to stay in the same house for a longer period or are drawn to the idea of consistent payments, this option lets you choose terms ranging from 10 to 30 years. With an Adjustable-Rate Mortgage (ARM), your interest rate can change over the course of your loan after locking in a low payment for an initial term of 3 to 15 years. If you’re expecting your income to increase down the road or planning to stay in your home for just a few years, this option lets you enjoy a more affordable payment early on.

Adjustable-Rate Mortgage Numbers: How They Work

The first number refers to your initial term, or how many years your initial rate is fixed. The second reflects how often your rate adjusts after the initial term.
  • For a 7/1 ARM, you’d have a fixed rate for the first seven years. Then, your rate and payment could change once a year after.
  • For a 15/15 ARM, you’d have a fixed rate for the first 15 years. Then, your rate and payment could change but last another 15 years – the rest of the loan term!
Got more questions? No problem. Let’s talk and find the mortgage that’s right for 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. To get started, you just need: Within one day of receiving your application, we'll give an update on your preapproval, answer your questions or provide other info to keep things moving! Once your mortgage is set, we can help with other homeownership needs, like setting up your monthly payments or securing a Home Equity Line of Credit for unexpected costs. You can visit our  in the meantime for other helpful resources. Or schedule a time to chat with us! Get Started with the Credit Union That Does More for You More Tools & Resources FAQs
Check the status of your mortgage application or upload requested documents online anytime. 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. Featured Products Certificates Checking Accounts Home Equity Loans Home Loans Business Banking Certificates Checking Accounts Home Equity Loans Home Loans Business Banking Financial Education Upcoming Events Programs Tools & Calculators On-demand Webinars Podcasts Upcoming Events Programs Tools & Calculators On-demand Webinars Podcasts About Equity in Money™ About Summit Careers News Community Giving Equity in Money™ About Summit Careers News Community Giving Help & Support Contact Us Member Support Center Schedule an Appointment Find a Branch Contact Us Member Support Center Schedule an Appointment Find a Branch Please read the following before proceeding to: The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. NCUA Insurance Estimator Privacy, Security & Accessibility Rates, Fees, Terms & Disclosures Routing Number *  The Wisconsin's #1 Mortgage Lender designation is based on the number of loans in 2022, 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 2023. Copyright 2024 © 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