Home Loans

No Place Like It

Whether you’re hunting for your first home or financing the house of your dreams, Tri City is the key to your local mortgage.

Our lending team brings a lot to the table — a working knowledge of the local real estate market, expertise in finding the best rates and terms for your budget, and attentive service to make the process as easy to navigate as possible.

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$1,000 off closing costs for first-time home buyers

As a first-time home buyer with a Tri City checking account, you will receive a $1,000 credit off your mortgage closing costs.¹ Plus, receive a $250 bonus when you connect your direct deposit to your Tri City checking.² To get started, register for an upcoming seminar or get pre-approved below.

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Have questions about a loan?

Submit an email inquiry below or contact our mortgage inquiry phone line at 414.209.3510.

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Meet Your Lenders

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Homebuying Seminars

Home Construction Seminars

credit builder program

This program is designed to help those who are new to the credit system build a credit history and save for a down payment or other need. Credit-builder loan proceeds are deposited into a certificate of deposit at Tri City and used as collateral for the loan. The monthly payments are reported to the credit bureau building your credit history. At the end of the term, the borrower has the funds in the certificate of deposit to use as a down payment or for other needs.

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LOW DOWN PAYMENT LOANS

Tri City National Bank offers a variety of low-down-payment loans to fit your needs. In most cases these loans will require Private Mortgage Insurance (PMI). The mortgage insurance premium is generally paid monthly and added to your mortgage payment.

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AWARD-WINNING LENDER

Tri City has been voted Milwaukee's Best Mortgage Lending Company (2022, 2023, 2024) and Milwaukee's Best Bank (2021, 2022, 2023, 2024) in the Milwaukee Journal Sentinel's Top Choice Awards.

Fixed Rate Mortgage Loans

Comparison table of Fixed Rate Mortgage Loans
Product	Interest Rate	APR^*
30 Year Fixed Rate Mortgage \| Tri City Servicing	6.500%	6.557%
30 Year Fixed Rate Mortgage \| Servicing Sold	6.125%	6.181%
15 Year Fixed Rate Mortgage \| Tri City Servicing	6.000%	6.093%
15 Year Fixed Rate Mortgage \| Servicing Sold	5.625%	5.717%
30 Year Fixed Rate Mortgage \|WHEDA First-time Homebuyer*	5.750%	5.824%

Fixed-Rate Mortgage features

Interest rate does not change during life of loan
Down payment as low as 3%
Flexible-term loans
Fixed/level payment of principal and interest for the life of the loan (interest-only payments available in some situations)
May require private mortgage insurance

Adjustable Rate Mortgage (ARM) Loans

Comparison table of Adjustable Rate Mortgage (ARM) Loans
Product	Interest Rate	APR^*
7 Year Adjustable Rate Mortgage (ARM)	5.750%	5.805%
5 Year Adjustable Rate Mortgage (ARM)	5.500%	5.554%

Adjustable-Rate Mortgage features

Interest rate adjusted periodically, according to a preselected index
Down payment as low as 5%
Initial interest rate is locked for up to seven years, then changes annually
Caps limit how much the rate may change over the life of the loan
May require private mortgage insurance

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Home Affordability Calculator

¹To be considered a first-time home buyer, the borrower must be purchasing a primary residence and have not had an ownership interest in a residential property during the three-year period preceding the date of the purchase of the property. The discount will be applied at closing as a lender credit and reflected on the Closing Disclosure. This offer excludes VA, FHA, WHEDA, second homes, investment properties and home equity loans of any type. Offer valid for first mortgages only. Offer is subject to credit approval and underwriting and is subject to change without notice. The primary borrower on the loan must have an established checking account with Tri City National Bank for 20 days prior to closing. This offer may be combined with the checking account promotion referenced in this flyer, but cannot be combined with any other offers or promotions. Our first time home buyer program includes a brief home buyer seminar. By attending this seminar, the home buyer closing cost credit can be locked in for up to 12 months from the date of attending the seminar. Offer is for first-time home buyers purchasing an existing home or new construction transactions only. The credit will be calculated on the actual cost, excluding owner’s title and transfer tax fees, and will be reflected on the Closing Disclosure. Actual closing cost credit may be limited as the combined total of seller credits and lender credits cannot exceed the actual amount of closing costs and prepaid interest; please review the allowable credits for your specific transaction with your loan officer. Contact us for details. 1000FHTB25.

² $25 to $100 required to open account. Account opening subject to approval, personal accounts only, terms & fees subject to change. Offer limited to Tri City checking account customers 18 years of age or older. One bonus per customer. Checking account must be opened within 20 days prior to closing. To receive the $250 Direct Deposit bonus, you must have at least $500 in new “Qualified Direct Deposits” which are limited to recurring payroll, recurring pension & recurring government benefits and which must be electronically deposited to the account by the employer, government agency or pension provider within 60 calendar days after the account open date. If you have fulfilled the conditions of this offer, a $250 Direct Deposit bonus will be credited to your account within 61-90 calendar days after the account open date. You will not be eligible for the bonus if your account is closed at the time of the credit. If your account is closed within 180 days after the open date, the $250 will be forfeited. Offer is subject to tax reporting; you are responsible for any applicable taxes. We have the right to change or discontinue this offer at any time without notice. Employees not eligible. Tri City banker, use Account Promotion Code M.

No Place Like It

$1,000 off closing costs for first-time home buyers

Have questions about a loan?

Meet Your Lenders

Homebuying Seminars

Finish or Check Application

Check Rates

Financing Assistance

Home Construction Seminars

credit builder program

LOW DOWN PAYMENT LOANS

AWARD-WINNING LENDER

Fixed Rate Mortgage Loans

Fixed-Rate Mortgage features

Adjustable Rate Mortgage (ARM) Loans

Adjustable-Rate Mortgage features

Home Affordability Calculator