Finance Your Home with Our Help
The Equitable Bank is the premier mortgage lender in the Greater Milwaukee Area, offering years of experience to help you find the lending solution that will fit your lifestyle and financial goals. With our team on your side, you’ll receive education about each type of loan program as well as guidance on which option best fits your needs. Please reach out to us today to begin your search for the right lending program.
Choose from Our Loan Programs
No matter your financial situation, the team at The Equitable Bank is here to help you find the financing you need. We offer many types of mortgage loans with some of the lowest interest rates in southeastern Wisconsin. Not to mention, all our options are delivered by experienced and knowledgeable loan officers.
Real Deal Preapproval
The first step in your home buying process is to get preapproved. By getting our Real Deal Preapproval, you can shop for a home with confidence knowing our program is one of the most credible preapprovals in the marketplace. Here’s what makes our program better:
- We underwrite our preapprovals, so you know exactly how much you can afford
- Real estate agents recognize an Equitable preapproval as one of the most reliable and accurate preapprovals in the area
- Our reputation gives offers from The Equitable Bank creditability when competing with other buyers.
- Our process is quick, and you can get preapproved within 24 hours (during regular business days).
- There is no cost to get a Real Deal Preapproval.
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Fixed Rate
The interest rate will not change throughout the entire life of a fixed rate loan. This is a good option if you’re buying a home that you plan to stay in for a long period of time. A fixed rate mortgage means you’ll get:
Benefits:
- A fixed rate for the life of the loan regardless of the repayment term, from 10 to 30 years
- Choice of multiple fixed rate mortgage programs
- Competitive interest rates
- Option for no closing costs.
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Adjustable Rate Mortgage (ARM)
An adjustable rate mortgage means the interest rate can change during the life of the loan. With a lower initial rate, this makes it an excellent option if you are not planning to stay in the home for more than a few years. An ARM loan means you’ll get:
Benefits:
- A lower initial rate which may qualify you for a larger loan amount
- Choice of the length of the repayment term and first adjustment period
- Competitive interest rates
- Option for no closing costs
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Federal Housing Administration (FHA)
An FHA loan is backed by the federal government and allows for a lower down payment. It is the perfect choice for those who are buying their first home or those looking to refinance out of an adjustable rate into a fixed rate.* This loan option offers:
Benefits:
- Low rate fixed financing
- Low down payment
- Low closing costs
- Flexible credit guidelines
- Competitive interest rates
Contact one of our expert Loan Officers for more details on this product
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* Loan amount must be within the FHA lending limits for your county and property type.
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Veterans Affairs (VA)
The Equitable Bank is proud to offer a mortgage program for qualified veterans of the Armed Services, those on active duty, reservists, and spouses of a veteran. A VA loan offers all the following benefits:
Benefits:
- A low or no down payment
- Competitive interest rates
- Multiple repayment options
- A maximum loan up to 100% of the property value
- No monthly mortgage insurance premium
Contact one of our expert Loan Officers for more details on this product
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New Home Construction
Building a home gives you the ability to customize a house that fits you and your family’s needs, that you may not find in the current housing market. However, the process could present different challenges. Our expert loan officers are here to help along the way with a construction loan program designed to give our customers a positive building experience that will save them both time and money:
Benefits:
- One closing and one set of closing costs
- A single construction loan
- Low monthly payments throughout the construction process
- Competitive interest rates
Contact one of our expert Loan Officers for more details on this product
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Renovation Mortgage
Many people love the idea of a good project. They like the freedom to be able to transform their space into something just for them. Whether you want to purchase a fixer-upper home or refinance your current house to fund a renovation, our renovation mortgage loan is a great option. This program offers:
Benefits:
- Ability to use funds for both refinances or purchases
- Option to use with an Equitable bank ARM program
- A single set of closing costs
- Competitive interest rates
- A method to finance a renovation without a second mortgage
- Up to 95% Loan-To-Value of the appraised value at completion
Contact one of our expert Loan Officers for more details on this product
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First-Time Homebuyer
At the Equitable Bank, we have built our reputation on helping families in southeastern Wisconsin fulfill the dream of homeownership. Being a first-time homebuyer is exciting, but it can also be overwhelming. That is why The Equitable Bank Community Lenders will walk you through the entire process, ensuring a rewarding experience.
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Home Equity
Every time you make a payment on your home mortgage, you’re building up equity in your property. This means you’re lowering the difference between the amount you owe and the home’s market value, a positive for you. You can use this equity to fund other home purchases if you sell or borrow against it to fund home improvement projects and other expenses. With our home equity loans, we help you access up to 90% of their home’s value.
Home Equity Loans
With a low fixed rate loan, you can have the certainty of fixed monthly payments at a fixed rate. Funds are available all at once and you will make regular installments over the life of the loan.
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Home Equity Lines of Credit (HELOC)
Our low variable rate lines of credit have long terms and interest-only payment options. You can establish a line of credit and draw funds only as needed.
A HELOC Offers:
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- Competitive interest rate
- Low monthly interest-only payments
- Multiple ways to access funds
- Interest may be tax-deductible – consult your tax advisor
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Community Lending
At The Equitable Bank, we have a community lending team that is here to offer lending solutions as diversified as our community. We’re prepared to help anyone in our community find the financing option that works best for them. We participate in several Down Payment Assistance programs as well as participating in local community homebuyer education. If you have no credit or credit problems, we also have a credit builder loan program to help you re-establish your credit. Regardless of your current financial situation, we are here to help you.
Down Payment Assistance & Homebuyer Education
The Equitable Bank participates in several down payment assistance programs that help income-eligible buyers receive funds that assist with down payment and closing costs.
- FHLBC DPP Grant up to $10,000
- Home Consortium DPA up to $10,000
We work with many area community groups to provide homebuyer education, which is required for most down payment assistance programs.
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HomeReady/Home Possible
Special loan programs designed to help low to moderate creditworthy borrowers. Borrowers can become eligible depending on the property’s location and income limit. Affordable loans with as little as 3% down payment for owner occupied properties.
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Credit Builder Loan Program
The Credit Builder Loan from The Equitable Bank is designed to help anyone with no credit or with credit problems to re-establish positive credit history. It's also a great option for those looking to saving for a large purchase or a down payment on a new home.
How does it work?
We will lend you a set amount of money ($500 or more, based on your financial situation) to put into an interest-earning certificate of deposit (CD) in your name. Each month you pay back the amount of the loan plus interest. We report to the credit bureau how you handle your loan payments each month. If you make your monthly payments on time you will build a positive credit rating, all while saving money for yourself.
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Community Groups

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Contact any of our community lending specialists for more details.
Meet Our Community Lending Team
At The Equitable bank, our lenders are prepared to discuss available grants.
Veron Gray

NMLS ID# 491622
705 East Silver Spring Drive Whitefish Bay, WI 53217 414.587.3663
Email Veron
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Customer Philosophy
It is important that my customers understand the mortgage process and I will always work for their best interest.
Customer Comments “Veron was very professional and worked with me through this loan buying process for 2.5 years. Thank you Veron for all your hard work and encouragement.”
"I met Veron Gray at a first time home buyers seminar (WHEDA) in 2008, she has always been helpful through the years. I have been a customer since 2008, and my experience has been positive. Every one has been helpful, professional and friendly."
Years of Experience: 22 years
My expertise is first time home buyers and grant programs. I love helping people realize their dream of owning a home!
Apply With Veron
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Gail Milani

NMLS ID# 491621 2290 North Mayfair Road Wauwatosa, WI 53226 414.587.7061
Email Gail
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Customer Philosophy
Every customer and every home loan is different. I take the time to learn the individual needs of each of my customers and ensure they know all the options available to them. My job is to make sure that you are making informed decisions about your finances and I always work to ensure the process is as easy as possible.
Customer Comments
“Working with Gail Milani and The Equitable Bank was a very rewarding experience. I felt like Gail cared about me as a person and I am happy with the financial solutions she provided to me.”
Years of Experience: 35 years in banking and 21 years in community lending
My expertise lies in working with first-time home buyers. I take satisfaction in helping each individual attain their goal of becoming a homeowner. Nothing is more rewarding than to see a family move into their new home.
Apply With Gail
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Mario Monterrey

NMLS ID# 553892 2290 North Mayfair Road Wauwatosa, WI 53226 414.588.1111
Se Habla Español
Email Mario
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Customer Philosophy
I am passionate about homeownership and feel that helping people get into a new home is a privilege. I will always work hard for my customers and treat them with the respect they deserve. My goal is to do such a good job, that my customers cannot help but refer their family and friends. I work with all types of mortgage loan products while specializing in First-Time Home Buying and Grant Programs.
Years of Experience: 12 Years
With years of banking experience, I have gained a keen understanding of mortgage lending and banking. This knowledge helps me to ask the right questions, gather the necessary information and make solid recommendations for my customers, based on their situation.
La Filosofía del Cliente
Tengo una pasión por el hogar y siento que poder ayudar a las personas a conseguir una nueva casa es un privilegio. Siempre trabajo duro para mis clientes y les doy el respeto que ellos se merecen. Mi meta es hacer un trabajo tan bueno que mis clientes no puedan evitar referir a sus familiares y amigos. Trabajo con todo tipo de préstamos hipotecarios pero me especializo en compradores de casa por primera vez y trabajando con los Programas de Becas.
Años de Experiencia: 12 años
Con años de experiencia de banquero, he adquirido un conocimiento profundo de prestamos hipotecarios y de asuntos bancarios. Este conocimiento me ayuda a preguntar las preguntas correctas, obtener la información correcta y hacer recomendaciones solidas para mis clientes, basadas en su situación personal.
Apply With Mario
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Mortgage Rates
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