Home Loans

Home Loans

Let's make your dream home a reality!

Get Pre-Qualified

Home Mortgage Application


Applying online for a pre-approval, purchase or refinance application is quick and easy!

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Construction & Remodeling Loans


New Home Construction
From financing new land to receiving the keys, an SFB mortgage banker will guide you through your construction financing. Take advantage of interest only payments during the construction phase and flexible end-term financing options once your home is complete.

Remodeling Loans
Are looking to renovate your home without refinancing your first mortgage? Our second mortgage renovation loan offers financing based on the estimated value of your home after renovations.

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Home Loan Options


SFB also offers several home loan options to meet your needs including:

  • Fixed Rate Loan
  • Adjustable Rate Mortgage
  • Home Equity Lines of Credit
  • Medical Professional Program
  • Lot and Vacant Land Loans
  • 1-4 Unit Investment Property
Contact Us For More Info

Home Loan Rates


As everyone’s situation is unique, we strongly recommend beginning your home buying process by contacting a mortgage lender. They will be able to help you find an interest rate* that suits your budget.

*Loan program and interest rate subject to loan qualifications.

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Mortgage Calculator
Home Buying Guide

Home Loans: Common Questions

Get answers to your questions and learn more about the loan process.

Buying or building a home can be a stressful process – especially if it's your first time. Buying a home doesn't need to be complicated. Put your mind at ease by learning more about the process.

View the Home Loan FAQ.

Mortgage Lending Team

Whether you are purchasing your first house, building your dream home or refinancing an existing loan, our experienced mortgage lending team will help navigate you through the loan process. We are happy to meet with you on your terms — in person, on the phone, or through our online application process.

Cheryl Carter

Bloomer & Ladysmith

Cheryl Carter
NMLS# 814959
Mortgage Banker

Email  |  715-609-1509

Bernadette Grochowski

Durand

Bernadette Grochowski
NMLS# 508085
Mortgage Banker

Email  |  715-672-2412

Wendy Hollenbeck

Eau Claire

Wendy Hollenbeck
NMLS# 553597
Mortgage Banker

Email  |  715-930-7028

Tami Langer

River Falls

Tami Langer
NMLS# 553758
Mortgage Banker

Email  |  715-629-4075

Kim McNulty

Black River Falls

Kim McNulty
NMLS# 504098
Mortgage Banker

Email  |  715-670-0624