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Your Dream Home

Awaits the Perfect Mortgage

Find the ideal mortgage solution tailored to your needs. Whether you're buying your first home, refinancing, or accessing equity, we'll guide you through every step with competitive rates and personalized service.

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Rent Rewards Program

First Time Home Buyer Special*

Take the first step toward homeownership with our exclusive $1,000 lender credit for Wisconsin first-time homebuyers.

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BIG SAVINGS

$1,000 Lender Credit

*The first-time homebuyers special is for first-time homebuyers only as defined by Freddie Mac program and all borrowers must qualify as first-time home buyers. Purchase of first lien, owner-occupied property. Primary residence only and must be in Wisconsin. Underwriting criteria based on secondary guidelines. Property insurance is required. $1,000 lender credit to be applied at closing. NMLS# 410689. Offer valid through December 31st, 2025.

Construction financing
that works for you

Streamlined two-time close

Move from blueprint to permanent financing with a simplified closing process.
Flexible draw structure

Access funds as the build progresses while keeping payments manageable during construction.
Confidence while you build

Protect your project with proactive guidance and options that help you plan costs early.
Dedicated construction team

Specialists focused on build-phase milestones so you can focus on design, not paperwork.

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Salute to Service

Honoring those who serve with special mortgage benefits.

Our Salute to Service program is designed for those who serve our communities. We understand the unique challenges faced by those who serve our country or communities and offer specialized mortgage solutions to make homeownership more accessible.

Available to teachers, EMTs, firefighters, soldiers, nurses or another occupation serving our community.
$600 off closing costs for those that qualify (^see disclosure below).
Competitive interest rates.
Streamlined approval process for service members.

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Low Down Payment

Make homeownership accessible with minimal upfront costs.

Our Low Down Payment programs are perfect for qualified buyers who are ready to purchase a home but want to preserve their savings for other priorities. These flexible financing options make homeownership achievable with minimal upfront investment.

Down payments as low as 3% for qualified buyers (**see disclosure below).
First-time homebuyer programs available.
Flexible credit requirements for approval.
Down payment assistance programs may apply.
Perfect for buyers ready to purchase but short on savings.

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^Salute to Service: Available for purchase and refinance transactions. Subject to credit approval. The $600 closing cost credit cannot exceed the actual amount of closing costs, prepaid interest and escrow reserves. This includes if the credit is combined with a seller closing cost credit. First mortgages only (offer does not apply to 2nd mortgages or home equity lines of credit). The credit will be applied at the time of the loan closing and will be reflected on the Closing Disclosure. Job description must appear on our qualifying careers list. Offer may be withdrawn at any time.

** Down Payments as low as 3%: At least one borrower must be a first-time homebuyer in Freddie Mac Home One program. If all borrowers are first-time homebuyers, you must participate in homeownership education. Wisconsin owner-occupied, single-family homes, condos or townhomes only. Three percent down payment due at closing. Only available for fixed rate mortgages. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation will be greater. Mortgage insurance required for loan amounts above 80% loan to value. Rates and terms subject to change at any time. Offer subject to credit approval. Other low down payment mortgage options available. Other terms and conditions may apply.

Why choose One Community Bank for your mortgage?

Local underwriting and decisions from mortgage experts who know the area and may even live down the street.

Personal attention from your loan officer. Pick up the phone anytime. You will receive a call back quickly, providing you with details you need to keep the process moving. Our team will remain in close contact with you through the closing so you know what is happening and when.

Highly experienced mortgage loan officers anticipate and handle the complexities of your home loan process.

This is likely one of the largest investments you will ever make. Our loan officers recognize this and make the best recommendations possible to help you maximize your investment. As seasoned professionals, they are also skilled at asking questions and uncovering details to be addressed before the closing, so you can move into your dream home — on time!

Lender & Calculator Options

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Connect with trusted mortgage professionals to find the right financing solution for your needs.

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Budget with our mortgage calculators

Our calculators help you explore your options and determine how much you can afford.

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Home FAQ

Frequently Asked Questions

Find answers to common questions about the mortgage process

The mortgage process can take time, so you'll want to discuss timelines with your lender and work together to determine solutions that fit your needs. Ask how you'll be kept informed of updates and how you'll be sent important paperwork and other information.

A major benefit to getting prequalified is that it provides you with a realistic budget as you search for your future home.

In the current real estate market, prequalification is essential, especially for first-time buyers. In a multiple offer scenario, buyers without a letter of prequalification are often not taken seriously.

There are many mortgage options out there. Connect with ONE of our lenders to walk through OCB's range of mortgage products and find which mortgage would work best for your situation.

Usually there are some fees you'll need to pay before closing on your mortgage. It's important to talk to your lender about what fees to expect and about optional items that may incur fees, such as getting a home inspection.

Credit score. Each loan program has a minimum credit score requirement in order to qualify. Higher credit scores can allow you to qualify for lower interest rates, too.

Down payment. Programs require you to make a down payment of a certain amount. Some down payments are as low as 3%.

Debt-to-income ratio (DTI). Compares your total monthly debt payments to your gross monthly income. This calculation shows how much of your income is used to pay your debts.

Your Dream Home

Awaits the Perfect Mortgage

Your Goals Start Here

Buy

Refinance

HELOC

First Time Home Buyer Special*

Construction financing
that works for you

Streamlined two-time close

Flexible draw structure

Confidence while you build