Find mortgage and refinancing options for your goals with Wisconsin’s #1 Mortgage Lender.* Have questions?

Save Time, Money and Stress on Your Way Home

With a FREE preapproval in under 15 minutes , you'll know what you can afford and show sellers you’re serious. Easy savings of up to $1,100 in cash back OR off your closing costs. , The market moves fast! We promise to close on time (or sooner) — or we’ll pay $2,500 to you and $2,500 to the seller.

"It was great! Even though we never met in person he was awesome to work with! Thank you, Adam!! I have told other friends you need to go through Summit!"

"Speedy response and very knowledgeable. Felt taken care of every step of the way."

“I knew my homebuying goals were possible with the right team in my corner.”

“We applied and got approved the next day - within a month we moved into our home!”

Frequently Asked Questions

* The Wisconsin's #1 Mortgage Lender designation is based on the number of loans originated in 2024, 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: 254900NTAC4H10MGSU231 Preapproval request is subject to applicant providing required financial documentation. Terms and conditions may still apply.2 The $1,000 offer is valid for first-time homebuyers on home purchase applications submitted from January 1, 2026, through December 31, 2026, where the loan’s interest rate is locked by December 31, 2026. This offer requires a Summit Credit Union checking account. Minimum to open a checking account is $25. An additional $100 rebate will be provided with an Ultimate Checking. Rebate is applied to the account 45 days after closing. Offer subject to change. Primary savings account required to have a checking account. Primary savings account: minimum to open $1. Annual Percentage Yield (APY) as of 1/1/2026 is 0.10%. An individual is to be considered a first-time home buyer who is purchasing a property; will reside in the property as a principal residence; and has had no ownership interest (sole or joint) in a residential property in the past 3 years. The following loan programs are not eligible for the closing cost credit: Federal VA, FHA, Rural Development, WHEDA, Investment Property and Construction loans. First mortgages only (offer does not apply to second mortgages, home equity lines of credit or refinances). The $1,000 offer can be redeemed on closing costs or as a cash rebate applied to your Summit Credit Union Primary Savings account. Amount cannot exceed the actual amount of the closing costs, prepaid interest and escrow reserves. This includes if the offer is combined with a seller closing cost credit. Seller credits will be applied first, and then any remaining closing costs and prepaids would be eligible toward the offer. If redeemed on closing costs, the credit will be reflected on the closing disclosure. If applied as cash back, the $1,000 rebate will be deposited on the day of your mortgage closing. Not valid with any other offers.3 The $500 offer is valid on home purchase applications submitted from January 1, 2026, through December 31, 2026, where the loan’s interest rate is locked by December 31, 2026. This offer requires a Summit Credit Union checking account. Minimum to open a checking account is $25. An additional $100 rebate will be provided with an Ultimate Checking. Rebate is applied to the account 45 days after closing. Offer subject to change. Primary savings account required to have a checking account. Primary savings account: minimum to open $1. Annual Percentage Yield (APY) as of 1/1/2026 is 0.10%. The following loan programs are not eligible for the closing cost credit: Federal VA, FHA, Rural Development, WHEDA, Investment Property and Construction loans. First mortgages only (offer does not apply to second mortgages, home equity lines of credit or refinances). The $500 offer can be redeemed on closing costs or as a cash rebate applied to your Summit Credit Union Primary Savings account. Amount cannot exceed the actual amount of the closing costs, prepaid interest and escrow reserves. This includes if the offer is combined with a seller closing cost credit. Seller credits will be applied first, and then any remaining closing costs and prepaids would be eligible toward the offer. If redeemed on closing costs, the credit will be reflected on the closing disclosure. If applied as cash back, the $500 rebate will be deposited on the day of your mortgage closing. Not valid with any other offers.4 Summit Credit Union’s Home Closing Cost Guaranty provides $2,500 to the buyer and $2,500 to the seller if the mortgage does not close on time. This offer applies only to first mortgage purchase transactions and excludes second mortgages, home equity lines of credit, refinances, and the following loan types: Federal VA, FHA, Rural Development, WHEDA, investment properties, construction loans, manufactured or modular homes, properties in flood zones, and loans with down payment assistance. To qualify, Summit must receive a fully executed purchase contract, intent to proceed, and origination fee at least 28 days before closing. Buyers must upload all initial documents through Summit’s online portal within 5 business days and respond to follow-up requests within 2 business days. After receiving the Loan Estimate, the fully executed contract must be submitted within 2 business days. Any changes to the closing date must be approved in advance, and the appraisal and title must be received and approved at least 3 business days before closing. Interest rate must be locked at least 6 business days before closing. If all conditions are met and the mortgage does not close on time, the buyer and seller will be mailed $2,500 via check on the day of closing. Offer is valid on loans with an application date on or after September 24, 2025.Copyright ©2026 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.
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