Loan Services
Whatever your needs, Community Bank of Northern Wisconsin wants to help meet them. We offer all types of loans at reasonable rates and terms. Our loan officers offer personal attention in trying to provide the best possible loan for you. To provide you with added protection, we also offer Credit Life, Accident & Health Insurance that can be purchased along with your loan transaction.
In order to expedite the process of applying for a loan with Community Bank of Northern Wisconsin we recommend that you review the items necessary for each product and have them available when submitting your application:
CONSUMER LOANS
Are you in the market for purchasing a vehicle, boat, camper, ATV or motorcycle? Community Bank of Northern Wisconsin can help you with all of your personal finance needs. We provide financing for multiple types of consumer loans with a variety of terms and payments. Loan officers are available at our Rice Lake, Ladysmith and Spooner branch locations to serve you. Please contact us by phone or stop in at the nearest
office.
Please have available when applying for your Consumer Loan:
- Income/Wage verification Listing of current debts
- Proof of Insurance
MORTGAGE LOANS
Are you in the market for purchasing a home or refinancing your current mortgage? Community Bank of Northern Wisconsin can help you. Loan officers are available at our Rice Lake, Ladysmith and Spooner branch locations to serve you. Please contact us by phone or stop in at the nearest
office.
Please have available when applying for the purchase or refinancing of Real Estate:
- For purchases we will require an “Offer to Purchase” and a “Seller’s Condition” report signed by all parties
- Property tax statement
- Proof
of Homeowners Insurance
- Evidence of Title
BUSINESS LOANS
If you are starting a business, going through an acquisition, expanding your business or maybe just looking for a bank that will meet your needs, Community Bank of Northern Wisconsin is ready to provide knowledgeable advice and timely service. Lines of Credit are set up as either a draw-down or a revolving line of credit. These lines are typically used for working capital and may be renewed on an annual basis. Our lenders work to provide creative ways to help finance your business ventures. Let Community Bank of Northern Wisconsin help turn your business development plans into
reality.
Please have available when applying for Commercial Real Estate Loans or Small Business Loans:
- Business Credit Application, completed and signed. Describe your business product and intended customer base. A business plan describing your background, education, work-related experience, along with your projections and plans for the business. How will the loan be repaid – especially if profits alone turn out to be inadequate.
- A Financial Statement showing personal assets and liabilities, and profit-and-loss statements
AGRICULTURE LOANS
Community Bank of Northern Wisconsin has experienced lenders ready to assist you in the financing of your agricultural enterprise. We have a long history of providing loans and reliable service to area farmers. Financing is available for large or small operations and may be used for operating expenses, livestock, equipment, real estate, crops or any other request related to your business. Our lenders will work to provide specific terms and payments to meet your needs. In addition to our in-house financing we also work with government guaranty programs such as Farm Service Agency (FSA), Please phone or stop in at the nearest office.
CONSTRUCTION LOANS
We can provide financing for the construction of your home or other residential property. Please contact us by phone or stop in at the nearest office for more information.
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