Home Loans

Finding the right home can be hard.
Getting the right mortgage doesn't have to be.

Jefferson County's oldest, full-service independent bank can make that special house yours. PremierBank has a variety of mortgage options including adjustable and fixed-rate conventional loans, construction loans, plus WHEDA and USDA Financing. Forgivable grants for closing costs and down payment assistance available to eligible borrowers.  All offer local processing, personal service, and competitive pricing. We can also refinance your current home.

Please contact one of our loan officers for information. We can refinance your current home or pre-qualify you to determine your new home price range.

PremierBank Loan Officers:

In Fort Atkinson
Dave Bienfang
Roy Budlong
Russ Turk
Steve Schafer
Brian Armstrong
Matthew Lee

Phone:  920-563-6616




In Jefferson
Jim van Lieshout
Susie Polk
Tom Merfeld

Phone:  920-674-4500


In Johnson Creek
Theresa Copp

Phone:  920-699-6900




In Sullivan
Mark Catton

Phone:  262-593-2227


Documentation required by mortgage lender prior to locking an interest rate includes the following: completed application, income verification, employment verification, mortgage credit report, and an appraisal.

Click here for our secure Mortgage Application.

The following financial calculators will assist you in planning, estimating, and exploring your financial options. We urge you to contact us with specific questions and for more detailed information.

Home Equity Advantage

The Home Equity Advantage loan is an easy-to-use personal line of credit that you can take with you anywhere you go!  You can add a room to your home, buy a vehicle, and even take a vacation using your Home Equity Advantage!

Click here for important early disclosures regarding our Home Equity Advantage loans.

How can I get a Home Equity Advantage Loan?

Any homeowner is eligible to apply – it is not necessary to have your first mortgage loan at PremierBank.  Either stop by or give a call to any PremierBank loan officer and the approval process can begin!

How does the Home Equity Advantage loan work?

The PremierBank Home Equity Advantage loan is a revolving line of credit that can be drawn upon at any time.  You simply write a check from your special Home Equity Advantage checking account or use your Home Equity Debit Card.  No need to call your lender, no need to stop by the bank – it's that simple!

Home much can I borrow from my Home Equity Advantage loan?

Generally speaking, you can access up to 80% of your home's appraised or assessed value, less the amount of any outstanding mortgage balances.  See a PremierBank loan officer for details on credit requirements.

Are there any tax advantages to using this product?

Yes, interest paid on the PremierBank Home Equity Advantage loan is generally tax-deductible – please see a qualified tax advisor for more information.

Please call any PremierBank loan officer or stop by to take ADVANTAGE of this convenient way of getting cash in a hurry to pay for any pressing financial need.  Whether it's paying tuition bills, making an investment, planning a wedding, or buying a boat, it's as easy as writing a check.  Call 920-563-6616 and ask for a loan officer.


PremierBank offers interim financing during the construction of your home.  During the course of the construction of your home, we generally do not require any form of a monthly payment, interest accrues only on the funds that have been drawn, and we will allow you to pay all of your interest upon completion of the home (as long as your home is completed over a reasonable time frame).  For new construction, the following should be submitted at the time of application: a copy of the plan, specifications and a signed construction contract with a cost breakdown.


This conventional mortgage loan is available to qualified buyers for as little as a 5% down payment and with various term lengths available.  With a down payment of 20% or more, private mortgage insurance is eliminated.  There is no penalty for pre-payment of the mortgage.


The Bi-Weekly Mortgage offers you substantial savings on interest costs and a convenient payment plan that is tied to your own pay cycle.  Under PremierBank's Bi-Weekly mortgage plan, half the normal monthly payment is deducted every two weeks.  By reducing the principal more frequently, the total amount of interest paid will be reduced substantially.  This plan is available with selected adjustable rate mortgages. 


Wisconsin Housing & Economic Development Authority (WHEDA)

WHEDA offers low-interest, fixed-rate mortgage loans to help low- and moderate-income home buyers.  WHEDA loans are available to first-time home buyers, individuals who have not owned a home in the past three years, or to those who are purchasing a home in a targeted area.  WHEDA also lets you buy and renovate an older home.  You may even be able to refinance the mortgage on your current residence if you decide to make major improvements. Income and purchase price limitations apply.  Ask a loan officer for more information.