own your dream home 
   Own your dream home  

Mortgage Loans

​Apply Today!

Complete our online mortgage application or call 715-627-4336, ext. 1130.

Apply Today! 

We offer financing for a new home purchase, new construction, or to refinance your current mortgage.

  • No prepayment penalties or application fee.

  • Serviced locally. Payments can be made in person at our office, using MyCoVantage, or by using automatic payment transfers, or payroll deduction. Plus, you can talk to a CoVantage loan officer at any time if you have questions.

  • Download our Home Financing Guide [PDF] to learn more!

  • Download our Mortgage Lending Policy (for MI members) [PDF]

In-House Mortgages

  • 1/1 year, 3/1 year, 5/1 year, and 10/1 year adjustable rate mortgage (ARM) loans available.

•  The rate is fixed for the initial term period, then the rate is adjusted annually each year after, up to 30 year amortization.

•  Guaranteed not to increase more than 6% over the life of the loan.

  • 5 year, 10 year, 12 year, 15 year, and 20 year fixed rate mortgage loans available.
  • Make weekly or biweekly payments and pay your loan off sooner. It will also reduce the amount of interest paid because you end up making extra payments throughout the term of the loan.

  • Eligible for Loan Interest Rebate.

Secondary Market Mortgages

  • 15 year, 20 year, and 30 year fixed rate mortgage loans available.


Other Loan Programs Available at CoVantage

Rural Development
Rural Development is a 30-year fixed rate loan that is offered through the United States Department of Agriculture. Rural Development loans are serviced at CoVantage, but are not credit union in-house loans. Therefore, they are considered secondary market loans as mentioned above. With Rural Development loans, borrowers have the opportunity for financing up to 102% loan-to-value (LTV). There may be county income limit requirements, and restrictions as to where the property can be located in order for a borrower to qualify for this program.

Related Pages



Verify Collateral Insurance

Please click here to verify collateral insurance coverage required by your mortgage loan agreement.


$500 off of closing costs* 

​This institution is an equal opportunity provider.