Personal Loans 

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Real Estate Loans

Looking for a mortgage that meets your needs? Choose one of Waumandee State Bank’s Loan Officers to assist you. We offer a complete line of mortgage options backed by the service and experience of our lending team.

Purchases or Refinance:

A Mortgage is a loan to purchase real estate. Our team can help you find the right product for you. Stop in to find out more details.

Mortgage Refinance is the ability to pay off your first mortgage and apply for a new mortgage for the same property. You typically refinance your mortgage in an effort to obtain a better rate or term.

Construction Loan:

A Construction Loan provides financing for the construction of a new home or home improvements on your current house. The loan is short-term.

Home Equity Line of Credit:

A Home Equity Line of Credit is a revolving loan. The equity you have in your home secures a credit line with a variable interest rate. Stop in and check with a loan officer on what your monthly payments would be.

Second Mortgage:

Second Mortgage is borrowing money, using the equity in your home to secure the loan. This is a closed end loan with a fixed rate.

Waumandee State Bank NMLS # 401935

Downpayment Plus (DPP) Program:

Downpayment Plus is a matching program that provides down payment and closing cost assistance for income-eligible homebuyers. The assistance is provided in the form of a forgivable grant paid on behalf of the borrower at the time the borrower closes on mortgage financing with a participating Federal Home Loan Bank of Chicago member financial institution. Waumandee State Bank participates in this program.

Grants are forgiven on a monthly basis over a five-year retention period. For more detailed information click the "Learn More" button to view or print Waumandee State Bank's pamphlet on the DPP program. Visit the Federal Home Loan Bank of Chicago's website by clicking here.

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Consumer Loans

Looking for a car or need money for unexpected expenses? We offer a number of Personal Loans that give you that extra cash to manage your finances and pay off debt faster. For more information, contact one of our Loan Officers.


Loan Application

Credit Life and Disability Insurance

Credit insurance does more than pay off your loans—it also gives you peace of mind. It relieves your family—and your credit history—of the burden of an unpaid debt.

Your Benefits:

The insurance company offers you a variety of insurance benefits to protect you and your family. -They pay directly to Waumandee State Bank. -Benefits are not taxable. -In the event you pay off your loan early, your unearned insurance premium will be refunded or credited to your loan.

Disability Coverage:

The insurance company pays benefits when you are totally disabled due to a covered illness or injury. -The insurance company pays benefits even if you are at home under a doctor’s care. Hospitalization is not required. -The insurance company continues benefits until your doctor releases you from your total disability or you return to work.

Life Coverage:

Credit life plans pay off or reduce the loan in the event of death due to a covered illness or injury.
If you should die or become disabled, the financial commitment you made on your loan still remains. Let credit life and disability coverage help fulfill that commitment.

Please contact any of our loan officers to learn more.

  • The Product is NOT A DEPOSIT ACCOUNT OR OTHER OBLIGATION of any depository institution or any affiliate of any depository institution.
  • The Product is NOT GUARANTEED OR INSURED by any depository institution or any affiliate of any depository institution.
  • The Product is NOT INSURED by the Federal Deposit Insurance Corporation (FDIC).
  • The Product, except in the case of Federal Flood Insurance or Federal Crop Insurance, is NOT INSURED by any federal government agency.  

Student Loans

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