Government Programs

HELPING YOU ACHIEVE THE DREAM OF HOMEOWNERSHIP

At Bank First, we believe everyone deserves a place to call home. That’s why we partner with leading programs to offer financial assistance and help you overcome the challenges of buying a home. Whether you’re a first-time buyer or looking to upgrade, our programs provide flexible solutions and expert guidance to get you there.

Federal VA Loans

HONORING THOSE WHO SERVE
Bank First proudly offers VA loans to eligible active-duty service members, Veterans, and surviving spouses. VA loans provide:

Little to No Down Payment Options for eligible borrowers.
Competitive Interest Rates to make homeownership more affordable.
No Private Mortgage Insurance (PMI) requirements for additional savings.

We are committed to supporting those who serve. We’ll help you navigate the VA loan process and maximize your benefits.

Our Relationship Managers are here to help!

FHA Loans

FLEXIBLE FINANCING FOR FIRST-TIME BUYERS
Federal Housing Administration (FHA) loans offer accessible financing options with features like:

Low Down Payment Requirements to make buying your first home easier.
Flexible Credit Guidelines for borrowers with varying credit histories.
Fixed-Rate Mortgage Options to provide long-term stability.

We are ready to help you explore FHA loans and find the right path to homeownership.

WHEDA Loans

EMPOWERING WISCONSIN HOMEBUYERS
The Wisconsin Housing and Economic Development Authority (WHEDA) offers special loan programs designed to make homeownership more accessible. WHEDA loans come with a range of benefits, including:

Low to No Down Payment Options for qualified buyers.
Reduced Private Mortgage Insurance (PMI) Costs to help save on monthly payments.
Fixed Interest Rates for added stability and predictability.
Down Payment Assistance programs available for eligible borrowers.

Our WHEDA-certified lenders are here to guide you through the application process and ensure you receive the best terms and support. Please note that income limits apply.

USDA-Rural Development Loans

AFFORDABLE HOMEOWNERSHIP IN RURAL COMMUNITIES
USDA loans are designed to make homeownership accessible to those in rural areas, offering significant benefits like:

No Down Payment Requirement to make buying a home easier.
Low, Fixed Interest Rates for predictable monthly payments.
Flexible Credit Guidelines to accommodate a variety of financial situations.
Location-Based Eligibility for homes in designated rural areas.

We are here to help you determine your eligibility for a USDA loan, including any applicable income limits. We’ll guide you through the process, so you can find your perfect home in the community you love.

Why Choose Bank First?

Expert Guidance: Our experienced team knows these programs inside and out and will help you find the best options for your needs.
Community-Focused Support: We’re dedicated to making homeownership possible for families in our community.
Flexible Solutions: We offer a wide range of loan assistance options to fit your budget and goals.

Get Started Today

Ready to explore your options? Contact a Bank First Relationship Manager to learn more about these programs and find the best fit for your homeownership journey.