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Home & Real Estate Loans

Whether you are buying or building your dream home, our team of award-winning and experienced lenders simplifies the process so you can focus on the important things—like who to invite to your housewarming party!

We offer a wide range of lending options to fit your financing needs with interest rates that are highly competitive. In addition, decisions are made locally so your financial information stays local and decisions are made fast.

Even if you haven't found the home of your dreams yet, applying for a mortgage may be the best thing you can do! Upon qualification of your application we can issue a pre-qualification letter, which assures real estate brokers and sellers that you are a qualified and serious buyer. It may also give more leverage to any offer to purchase that you make. By applying for a mortgage now, you are taking the first step in the home buying process.

When you find the perfect home, simply contact a member of our lending team to complete the application. You'll have an opportunity to lock in our great rates and we'll take care of the rest.

Apply Online for a home loan today! 

First Time Home Buyer

Congratulations on deciding to purchase your first home! This can be an exciting and anxious time, especially for first-time home buyers. Sifting through the  unknowns like, "how much can I afford?", "what if my credit isn't adequate?" or "should I get pre-qualified before looking?" can be intimidating. The  award-winning team of lenders at Royal Bank is here to answer all of your questions. This is your first time purchasing a home, but it's not our first mortgage. Let us guide you through it.

New Construction & Land Acquisition

Building a new home can be a complex process. With a construction loan from Royal Bank, we take the hassle out of financing so you can focus on what really matters—like picking out paint colors and new cabinets! Enjoy a flexible payment option during construction and explore permanent financing once construction is complete.

Your dream home starts with a dream location. If you have found or if you are looking for a piece of land that you want to develop, build on, invest in or use for recreational purposes, a new construction or land acquisition loan from Royal Bank provides security for financing your investment.

Purchasing & Refinancing

Whether you're looking to purchase your first home or your fifth, the Royal Bank lending team can guide you along the way and help make your purchase a  rewarding experience. Our suite of loan programs offers options for long-term, fixed rate or a low down payment so we're sure to find a mortgage to fit your needs.

Lower your interest rate, secure a fixed rate or consolidate debt with refinancing options from Royal Bank. Refinancing can decrease monthly payments, allowing you the freedom of paying down other obligations, saving for college or reaching retirement goals faster.

Home Equity

Did you know the equity in your home can get you cash today? With a home equity loan from Royal Bank, receive funds easily and quickly to use for  long-term or short-term life goals. Enjoy low upfront costs with flexible terms and repayment options. In addition, your interest may be tax deductible. With a home equity loan from Royal Bank, the possibilities are endless.

Vacation & Second Home

Whether you're looking for a cabin in the woods, a house on the water or a second home near family, Royal Bank offers lending solutions to help meet your goals. Owning a vacation home is certainly convenient, but it can also serve as a secure, long-term asset that has the potential to increase in value. Royal Bank takes the hassle out of financing your dreams.  

Recreational Land

Outdoor and recreational activity is at the core of Wisconsin living. Whether you're seeking a piece of land to hunt, hike or fish on, or if you're on the hunt for an investment property, Royal Bank offers recreational land financing to suit your interests.