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Mortgage Loans - Home Ownership in Northern Wisconsin Happens Here!


The Wisconsin Northwoods is a wonderful place and we pride ourselves in offering financing options for unique properties and borrowers' situations.  We offer financing programs with low closing costs to help you realize your real estate ownership dreams.


Long-Term Fixed-Rate Mortgages

The most popular mortgage product

Adjustable-Rate Mortgages
An excellent choice of financing under certain conditions

Construction Loans
Build your dream home

Home Equity Loans

Our home equity program provides you with the money you've earned

Loan Calculator
The first step in buying a house is determining your budget

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Long-Term Fixed-Rate Mortgages:

The conventional fixed-rate mortgage is our most popular mortgage product. Your principal and interest payment will never fluctuate, because the interest rate remains “fixed” for the entire term of your loan. This is an excellent choice if you prefer payment stability and plan to keep your mortgage for several years.

Providing our customers with competitive interest rates and low closing costs has made us a leader in the local lending community. We service our loans locally and are familiar with the area where the home you are financing is located.

Tomahawk Community Bank and Merrill Community Bank are proud to serve you by improving your quality of life through quality service, integrity, and building lasting relationships.


Adjustable-Rate Mortgages:

Adjustable-rate Mortgages offer many benefits to many different borrowers.  Features include low closing costs, competitive interest rates, fixed initial term up to 10 years & the flexibility a local community bank can provide. These loans are a great option for borrowers who don’t plan to stay in their current home over the long term or have a likelihood of refinancing to fill a future need.  With the average life of mortgage at just 8 years, this is a great option for many borrowers.

Our Adjustable Rate Mortgages are competitive, inexpensive, and hassle-free.


Construction Loans:

Building your dream home is a reality with our construction loan program. Disbursements and inspections are often done by bank personnel, helping to reduce your servicing costs. You make interest-only payments on the money you use during your construction loan. Let us help you make your dream a reality.


Home Equity Loans:

Our home equity program provides you with the money you've earned.  Use it to buy that new car, truck, motorcycle, or RV!  How about that dream vacation or home remodeling project?  It's easier than you think!  If you are looking for a line of credit, fixed-rate loan, or adjustable rate home equity, we're your financing specialists!


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