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Home Purchase Loans

Financing your next home - built around you

Whether you're buying your first home or your next one, we’ll help you understand your options and move forward with confidence.

Get Pre-Approved Talk to a Loan Officer

Where are you in the process?

Choose the option that best describes where you are today.

Just Getting Started

Learn more before you get started with our articles, podcasts, and resources.

Explore Mortgage Resources

Actively Home Shopping

Know your budget before you start making offers.

Get Preapproved

Ready to Make an Offer

We'll help you move quickly and confidently.

Talk to a Loan Officer

Gathering Documents

See what you'll need before applying.

View Mortgage Checklist

What to Expect

Every homebuyer's situation is different, but there are a few things we'll help you understand early in the process:

  • Understand your budget
  • Explore loan options
  • Get pre-approved
  • Find the right home
  • Complete inspections and appraisal
  • Close and move in

We'll help guide you through every step of the process.

Why Choose The Equitable Bank

  • Local decision-making
  • Experienced loan officers
  • Clear communication
  • In-house processing
  • Strong Realtor relationships
  • Guidance tailored to your situation

Buying a home is easier when you have the right team behind you.

Common questions

How much do I need for a down payment?

Most conventional loans require as little as 3% down for qualified first-time homebuyers and 5% down for many other conventional purchases.

How long does the process take?

Most purchases take around 30–45 days, depending on the situation.

Can I buy and sell at the same time?

Yes - there are strategies to help coordinate timing and financing.

What determines my rate?

Your rate is based on several factors, including credit, loan type, downpayment, loan amount and market conditions.

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Check Fraud

Check fraud is rising. Here’s what you should know.

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Starting with Insight

WI real estate expert Marcus Auerbach joins Mike Cottrell to discuss today's housing market.

Watch Podcast

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Fraud Prevention Tools

Fraud is constantly evolving - but the right tools, processes, and guidance can help you stay ahead of it.

Learn More

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Not sure where to start?

Let’s talk through your situation and map out the right next step.

Talk to a Loan Officer