RESIDENTIAL REAL ESTATE

For purchasing your new home or refinancing your current home (or other investment properties), Pioneer Bank has several programs for you to choose from:

Secondary Market: Fixed Rate Financing

  • Purchase or refinance
  • 15, 20 and 30 year amortization terms
  • Owner-occupied, single family (1 unit)
  • Owner-occupied (2-4 units)
  • Second home
  • Investment property (1-4 units)
  • Cash out refinance
  • Maximum LTV: 95%
  • Minimum borrower contributions: 3%
  • Manufactured housing (maximum LTV: 80%, no investment properties, multi-width only, must classify as real estate property, must be built after June 6, 1976)

USDA Rural Development

  • 30 year primary residential only
  • Purchase or refinance current RD loan
  • Income restrictions apply
  • 101.5% LTV refinance

Pioneer Bank In-House

  • Vacant land purchase
  • Construction

Other options also available

WHEDA (Wisconsin Housing & Economic Development Authority)

  • Up to 97% LTV
  • Over 80% LTV (mortgage insurance required)
  • 30 year fixed rate

Available at time of home purchase with a WHEDA first mortgage; funds may be used for a down payment or closing cost assistance

Questions? Call Cheryl Carter at 715.532.5551 or call Theresa Gibbs at 715.532.9949.

To apply, please fill out our Uniform Residential Loan Application.

Get To Know Our Loan Officers

Cheryl Carter, Real Estate Loan Officer | NMLS #814959
Norb Christman, Vice President | NMLS #405490
Theresa Gibbs, Branch Manager | NMLS #489534 
Jim Loe, President/CEO | NMLS #405489

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CONSUMER

We offer loans for new or used vehicles, recreational vehicles (ATVs, boats, campers, RVs, motorcycles, snowmobiles, etc.), and your other personal needs.

Questions? Call Cheryl Carter or Jim Loe at 715.532.5551 or call Theresa Gibbs at 715.532.9949.

To apply, please fill out our General Credit Application.

 

BUSINESS

Allow us to assist in the accomplishment of your business goals by applying for any of the following: acquisition or expansion, real estate, equipment, inventory, operating capital, lines of credit, letters of credit, etc.

Questions? Call Norb Christman or Jim Loe at 715.532.5551.

To apply, please fill out our General Credit Application. For real estate related loans, please fill out our Uniform Residential Loan Application.

 

AGRICULTURAL

Our agricultural community is important to us. Let us play a role by applying for any of the following: real estate, equipment, operations, crops, livestock, etc.

Questions? Call Norb Christman or Randy Ptacek at 715.532.5551

To apply, please fill out our General Credit Application. For real estate related loans, please fill out our Uniform Residential Loan Application.