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Mortgage Loans

Whether you are buying your first home or moving into a new home, our mortgage loan officers will use their knowledge and experience to partner with you every step of the way.

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Feel at home while you find a home.

From financing your first or next home, we provide exclusive mortgage options and personalized solutions to make you feel at home.

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Choosing a Home Loan

Understand your complete and current financial picture to determine the best loan program for you. Review the following:

  • Anticipated changes in finances
  • How long you intend to keep your house
  • How comfortable you are with your mortgage payment changing

We can help you find the loan program to best align with your finances, life goals and your future plans.

Benefits of a Pre-Approval

Getting pre‐approved to buy a home is one of the most important steps.

Know what you can afford

Determine what you can realistically afford before you begin looking at homes.

Approved loan

Fully underwritten loan approval that includes verification of your income, credit and down payment funds.

Your offer

When you are ready to make an offer on a home, the seller will know your offer is solid.

Find A Loan Officer and Apply Find a loan officer and apply

Your Home Loan Options

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Fixed-Rate Mortgage*

With a fixed-rate mortgage, your monthly principal and interest payments remain the same throughout the life of the loan. Most common fixed-rate home loan terms range from 10 to 30 years.

If you plan to stay in your home several years, a fixed-rate mortgage may be right for you.

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Adjustable-Rate Mortgage (ARM)*

Adjustable-rate mortgages generally have monthly principal and interest payments that change after a set period of time, based on an external financial index. ARMs can offer a variety of features, such as a lower initial interest rate, periodic and lifetime caps on the interest rate and conversion options after construction completion. 

If you plan on relocating or trading up in a few years, you may want to take advantage of an adjustable-rate mortgage.

Click the link below to view the disclosures that describe the features of the most common ARM programs we offer.

ARM PROGRAMS
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Jumbo Loans*

A jumbo loan is an option if you're looking to finance a home for more than $806,500. A jumbo loan exceeds the conforming loan limits and the maximum loan amount allowed by most mortgage investors. Jumbo loans potentially have some additional underwriting and property requirements.

If your situation provides you a low debt‐to‐income (DTI) ratio, an excellent credit score and a larger down payment, then a jumbo loan may be perfect for you.

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Condo Loans

Financing a condominium is different from a typical home mortgage. Our mortgage loan officers are experienced in the condo market and can help you determine if condo living is right for you.

They are knowledgeable in the financing available for a particular building, how many units are owner-occupied or rentals, what's included in the project, association budgets and insurance, and whether the property is eligible for financing.

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Medical Doctor and Dentist Loans

Specialized mortgage loans designed for medical doctors and dentists may provide benefits that include zero down payments and no private mortgage insurance (PMI) requirements. Additionally, preferred pricing may be available with certain Johnson Financial Group relationships and deferred student loan debt may be excluded from loan ratios.

Whether you're fresh out of residency or close to retirement, we help you navigate your home loan options.

Learn More Learn more about financing solutions for Physicians
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Low Down Payment Loans*

Several loan programs can make homeownership more affordable. These options include low down payments, down payment assistance, gifts and grants to help you finance your dream.

Learn More Learn more about low down payment loan options
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As a VA home loan provider, we’re proud to offer special benefits to active military and veterans to make buying a home more affordable. Take advantage of a zero down payment loan with low rates and low closing costs.

LEARN MORE

The Mortgage Process

Gather your information

Gather your personal and financial documents and complete the loan application online or in person with a loan officer.

Pre-approval

We will review your income, assets and credit for eligibility. Once approved, your loan officer can provide a pre-approval letter to give to your realtor before you begin looking at homes.

Make an offer

Once you know how much house you can afford, it's time to go house hunting. When you find your perfect home, your pre-approval will allow you to make an offer quickly.

Closing

Your closing documents will be sent to the title company and you choose your closing day.

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We will file your satisfaction with the Register of Deeds. In approximately 30 days, you will receive a copy of the satisfaction in the mail for your records, along with any overpayment amount, if applicable.

We will quote you the final payment amount. Your final payment can be made at any of our branch locations, or if your deposit account is currently with Johnson Financial Group, we may be able to process the final payment over the phone for you. Please call 888.769.3796 for additional options.

We are happy to help you review your escrow statement in detail. Please call us at 888.769.3796.

Tax documents are available under the primary account holder's MyJFG online or mobile banking under Documents. If you earned $10.00 of interest or more on a deposit account, you will receive a 1099. If you paid $600.00 or more in interest on a Mortgage or Home Equity Loan, you will receive a 1098.

Related Resources

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Ready to get started?

Fill out the form below and one of our mortgage advisors will get back to you.

Thank you for your submission. A mortgage loan officer will reach out shortly.

In the meantime, here are a few resources to help you feel prepared during your journey. 

Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Conditions, terms, and restrictions, including property and flood insurance, will vary based on loan program selected and property location.

*Private mortgage insurance may be required on loans with less than 20% down.