Mortgage Loans | Charter Bank | Eau Claire, Chaska, Chanhassen

Charter Bank strives to make the home buying process smooth and worry free, whether you are purchasing your first home, moving to a larger home, or need to refinance your existing mortgage.

With our lenders and loan programs, we walk you through the entire home buying process and are able to look at your entire situation, not just your numbers, to make our lending decisions.

At Charter Bank we offer:

Competitive interest rates and closing costs
Prompt, local loan approval
Local servicing on some loan products
Various loan types including a Physicians Home Mortgage program

As we prepare for a transition to the Nicolet Bank online application system, the online application for mortgage loans is unavailable. Please stop into any office or call 800-471-4510 and we can help you get started in the process! You can also email a Mortgage banker.

Find a Mortgage Banker

Mortgage Calculator

Taking out a mortgage loan is a big undertaking! Whether you’re a first-time home buyer, or a seasoned home buying veteran, the Mortgage Loan experts at Charter Bank are ready to help you finance the right home for you.

We offer many types of loans, including:

Loan Type	Benefits	Consider if you...
Fixed Rate Loan (15-, 20-, and 30- year)	Fixed rate for eligible buyers No interest-rate surprises	Plan to keep the property for a substantial amount of time Have a good credit score Can put 5% down
Adjustable Rate Mortgage	Low short-term rates Initial lower monthly payments Initial rate locked for 3 years, then rates can adjust	Plan to move within the next few years Have a good credit score Can put 20% down
Jumbo Loans	Higher purchase limits for higher priced properties Competitive rates Fixed-rate and Adjustable-rate options	Are buying a home that exceeds traditional loan limits ($548,250 in most areas) Have good credit Low down payment options
Bridge Loans	Flexibility to purchase a new home while your current home is placed on the market	You are trying to sell your current home while purchasing another
New Construction and Lot Loans	Financing for new construction Transition from construction to permanent loan	Are building a new home Are buying a lot for a future home

Don’t see what you’re looking for? Give us a call. We’d love to hear what type of property you are looking at. We may have a loan that fits your needs!

Meet Our Mortgage Bankers