HOME LENDING
Mortgage Loans Built Around You
Whether you’re building, buying or using the equity in your home, Ixonia Bank offers flexible mortgage and home lending solutions backed by responsive, experienced lenders who take the time to understand your goals.
Let us simplify the mortgage loan process.
All of our loan officers are registered with the Nationwide Mortgage Licensing System (NMLS) as required by the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act). Consumers can use the ID number to verify that they are working with a licensed institution and lender.
FREE PRE-APPROVALS
COMPETITIVE RATES
RELATIONSHIP-FIRST SERVICE
WORRY-FREE PROCESS
Construction Loans
Flexible financing for building a new home or purchasing a lot, backed by lenders who understand the construction process.
From lot purchase through construction, Ixonia Bank offers flexible construction financing and local decision-making to help bring your plans to life.
- Conventional and Jumbo Construction Loans
- 18-Months, Interest Only Payments
- Competitive Rates
- Local underwriting and servicing
Adjustable Rate Mortgages (ARMs)
ARM options can provide an attractive alternative to a traditional fixed-rate mortgage depending on your financial goals and how long you plan to own your home.
Best if you plan on living in your home for only a few years, have established credit history and can provide a qualifying down payment.
- Flexible underwriting guidelines
- Initial lower monthly payments
- Varying initial rate periods
Adjustable Rate Mortgage (ARM) products have interest rates that may increase after consummation.
Home Equity Line of Credits (HELOCs)
Your home is one of your most valuable financing tools. Using the equity you’ve built in your home is a smart, affordable way to borrow money for virtually any purpose.
Your home is one of your most valuable financing tools. Using the equity you’ve built in your home is a smart, affordable way to borrow money for virtually any purpose.
- No Annual Fee - Annual fee of $50 is waived when automatic payments are made from an Ixonia Bank account.
- Interest-Only Payment Flexibility
- Competitive, transparent rates and convenient access
- Borrow only what you need, when you need it
- Reuse available credit as you repay your balance
Home Loans
Whether you’re looking for a first-time buyer program or investing in a property, we help you compare and find the loan that fits your goals.
In partnership with Novus Home Mortgage, a Division of Ixonia Bank, we have a variety of loan options to get you into your new home.
- Conventional Loans
- FHA Loans
- VA Loans
- USDA Loans
- ITIN Programs
- Jumbo Loans
Questions?
Buying or building a home is one of the most exciting and stressful things you can do; however, our experienced lenders are here to help you.
Need help with an existing mortgage?
If your home loan is with:
- Valon / Lakeview, call Customer Service at 855-218-3690
- Cenlar, call Customer Service at 888-266-4919
- Novus Home Mortgage – a division of Ixonia Bank, call Customer Service at 844-337-2548
If you have a question about a different loan, or would like to learn more about our loan offerings, please complete this Consumer Loan Inquiry Form.
Who is Novus Home Mortgage?
As a division of Ixonia Bank, Novus Home Mortgage combines mortgage expertise with a modern, convenient home financing experience available in all 50 states. Novus offers conventional fixed-rate mortgages and other home loan programs designed to meet a variety of homebuyer needs. From application through closing, their team helps make the mortgage process clear and straightforward.
What is my first step if I want to learn more?
Start with a Consumer Lender / Market Manager at Ixonia Bank. They can quickly help you determine your first step.
Can I do advances on my Ixonia Bank Home Equity Line of Credit (HELOC)?
Yes. You can easily do advances within Online Banking, either on the computer or on your mobile phone. First, log into Online Banking or Mobile Banking, then in “Transfer From” select your HELOC account. In “Transfer To,” select the desired account, enter the Transfer Amount and then follow the simple instructions to complete the transaction. Normal Online Banking cut-off times apply and Message and Data rates may apply.
READY TO START THE CONVERSATION?
Find the perfect home loan for you!
Home financing decisions are personal. Our experienced lenders take the time to understand your plans, answer your questions and help identify a financing approach that fits.
Please contact a Market Manager to start the conversation.
Not an offer to extend credit. Loans are subject to credit and underwriting approval. Speak with a banker to learn more about applicable fees, terms, and additional details. Interest may be tax deductible. Consult your tax advisor for advice pertaining to your specific situation. Other restrictions may apply.