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Our bank is built for speed. By choosing a local community bank like National Bank of Commerce for your home loan, you can close quickly on your dream house.

When you’re ready to start the home buying process, make an appointment with one of our experienced mortgage bankers to apply in person.

Learn more about getting a mortgage loan from a local bank on our blog.

 

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Free pre-approval from a trusted community bank. Get the stability and consistency of predictable monthly principal and interest payments for the life of the loan.

Features

  • Flexible repayment terms
  • Low closing costs
  • Fixed monthly payments
  • Purchase or refinance
  • Automatic payment options
  • Escrow of taxes and insurance option
  • No prepayment penalty
  • Owner occupied and non-owner occupied properties (1-4 family dwellings and second homes)
  • Credit decision made locally

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Free pre-approval from a trusted community bank. Get traditionally lower initial mortgage payments and flexible underwriting standards.

Features

  • Flexible repayment terms
  • Low closing costs
  • Purchase or refinance
  • Automatic payment options
  • Escrow of taxes and insurance option
  • No prepayment penalty
  • Credit decision made locally
  • Owner occupied and non-owner occupied properties (1-4 family dwellings and second homes)
  • Payments adjust after the initial fixed interest period, according to your loan program
  • Rates are capped to protect you against dramatic increases in interest rates

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The flexibility you need to build your dream home. Converts easily into a standard mortgage

Features

  • Flexible terms
  • Fixed rate
  • Low closing costs
  • Contractor built, turn-key homes
  • Pay interest only on funds as you need them
  • Credit decisions made locally

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First-time home buyer option for people purchasing a home in Wisconsin.

Features

  • Low down payment
  • Traditionally lower interest rates
  • Competitive closing costs
  • Income requirements
  • Purchase price limits

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Put the equity in your home to work with the benefits of a fixed rate and payment.

Features

  • Fixed rate loan
  • Fixed payments
  • Affordable closing costs
  • No prepayment penalty
  • Flexible loan-to-value ratio
  • Potential tax benefit*
  • Credit decision made locally

*Please consult your tax advisor.


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A flexible line of credit that you can draw from when you need it. Great for a new car, vacation, home improvement, education expenses or other needs.

Features

  • Variable rate line of credit
  • Interest-only payments available
  • No prepayment penalty
  • Minimal closing costs
  • Five-year draw period
  • Potential tax benefit*
  • Credit decision made locally

*Please consult your tax advisor.


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Programs unique to our market, offered by National Bank of Commerce.

Features

  • First time homebuyer programs as well as non-first time homebuyer programs
  • Down payments as low was 3% with no income limits
  • Down payment assistance available up to $6,000 for qualified applicants
  • Purchases and no cash-out refinances
  • No prepayment penalty
  • Certain requirements apply

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No down payment loans for eligible veterans.

Features

  • Competitive terms
  • Easy application process
  • No prepayment penalty
  • Purchases and refinances
  • Owner occupied primary residence

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Government-issued loans with low down payment requirements.

Features

  • 3.5% down payment
  • Purchases and refinances
  • Assumable loan potential when the time comes to sell your home
  • Maximum loan amount determined by geographic location

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