FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Member FDIC · Equal Housing Lender · NMLS 478452 · Crystal Lake, IL · Appleton, WI · Since 1915

New loans 815-459-2000· Mon–Fri 9am–5pm · Sat 9am–12pm Make a payment Online banking

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Loan programs

Loans that use your equity.

Keep your first mortgage and borrow against what you've built, or replace it with a cash-out refinance. We'll show the math side by side.

Cash-out refinance
Replace your mortgage with a larger one and take the difference in cash.
Max LTV
80% typical
Rate type
Fixed or ARM
Home equity & HELOC
Portfolio
Borrow against your equity and keep your low first-mortgage rate.
Home equity loan
Fixed rate
HELOC draw
10 years interest-only

Next step

Not sure which program fits? That's the first conversation.

Tell a loan officer what you're trying to do. They'll map two or three options with real numbers, including whether the portfolio is the better home for your loan.

Apply now 815-459-2000 Choose a loan officer