fdic-logo FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Exciting News: Peoples State Bank to join Bank First in December.Learn More →
Homepage
ContactLocations

Mortgages

Whether you’re purchasing, constructing, or refinancing your home, we're here to guide you every step of the way. Our experts will help you explore a variety of options, including fixed-rate, adjustable-rate, lot loans, and more, to find the perfect fit for you.

View the Current Rates

Meet Our Relationship Managers
handing-over-house-keys-1200x800

mortgage-rates  Fixed-Rate Mortgages

Enjoy the confidence of a consistent monthly payment with a fixed-rate mortgage. Whether you're purchasing your first home, moving into your next one, or refinancing, our experienced lenders will help you choose the loan that fits your goals and budget.

mortgage-rates  Adjustable-Rate Mortgages

An adjustable-rate mortgage may be a good option if you're looking for a lower initial interest rate and added flexibility. After the initial fixed-rate period, your rate may adjust based on market conditions, with annual caps designed to help limit significant increases.

Apply Online with Ease.

Our streamlined online mortgage application makes the process straightforward and convenient. Apply now and take the first step toward your dream home.

Apply Online Now


Already applied? You can check the status of your application or complete the next steps by signing into your account.

Additional Financing Options

Construction

Learn more

Home Equity Line of Credit

Learn more

Specialty Loan Programs

Learn more

Mortgage Rates

ProductRateAPR*Monthly Payment
Conventional 30 Year Fixed*7.125%7.193%$1,347.44
Conventional 20 Year Fixed*7.250%7.339%$1,580.75
Conventional 15 Year Fixed*6.500%6.603%$1,742.21
Conventional 10 Year Fixed*6.500%6.645%$2,270.96
VA 30 Year Fixed*6.875%7.175%$1,509.87
USDA 30 Year Fixed*6.875%7.427%$1,385.75
Rates Updated: 9/22/2026

Bank First NMLS #433854. View NMLS Listing.

*APR = Annual Percentage Rate. Please note that rates and fees are subject to change without notice. Purchase rates and the initial monthly payment shown are based on a FICO credit score of 740 or higher, a debt-to-income (DTI) ratio below 40%, a loan amount of $200,000 or less, a 20% down payment, and the purchase of a single-family primary residence. APRs are based on estimated closing costs of $2,000. Actual closing costs may vary based on your loan terms and transaction details. For a personalized quote, please connect with a Relationship Manager.
VA Loans: Payments are based on a total loan amount of $229,837 for a $225,000 property in Manitowoc County, WI. The total loan amount includes the base loan amount and the required VA funding fee. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
USDA Loans: Payments are based on a total loan amount of $202,020 for a $200,000 property in Manitowoc County, WI. The total loan amount includes the base loan amount and the required guarantee fee. The first payment amount shown includes the required monthly annual fee of $58.62. The monthly payment shown reflects the first monthly payment based on the loan amount, term, and interest rate shown. In some cases, monthly payments may decrease over time based on changes to applicable loan fees or charges. Your actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
VA and USDA loan examples assume the purchase of a single-family primary residence and a FICO credit score of 720 or higher.

All loans are subject to credit approval and property eligibility. Terms, conditions, and program requirements apply.