Loans

Achieve Your Goals and Dreams With the Right Loan

As a local community bank, our experienced lenders can customize a loan solution to help finance your needs, wants, and everything in between. All decisions are made here — locally and quickly.

Explore your options below and contact one of our personal lenders to learn more a get started on reaching those goals.

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Personal Loan Options

Auto Loans

Drive away in your new or new-to-you car, truck, or van today.

Installment Loans

Use this type of loan for RVs, UTVs, boats, snowmobiles, and other types of recreational vehicles.

Personal Loans

Cover expenses or pay off high-interest debt with an unsecured installment loan with terms that work for your situation.

Home/Real Estate Loan Options

Home Equity Loans

Tap into your home’s equity with a lump sum installment loan that has a fixed rate and set term length.

HELOCs

An Home Equity Line of Credit (HELOC) gives you a more flexible way to tap into your home’s equity. Only pay interest on funds you’ve used and use them again as you pay down the balance.

Construction Loans

Use this short-term, specialized loan used to finance the building of a new home or to do major renovations. Draw money in phases and make interest-only payments during the build.

Land/Lot Loans

Secure your vacant land with a lot loan that you can refinance into a construction loan once you’re ready to build that dream home.

Mortgage Options

Fixed-Rate

Lock in your term and interest rate for a predictable monthly payment for the life of your loan.

Adjustable-Rate

Use an adjustable-rate mortgage to get a low initial rate that will be adjusted based on current market conditions on a regular interval after the initial term has been reached.

First-Time Homebuyer

WCF is happy to offer programs that help you purchase your first home. Please reach out to one of our lenders for more information.

FHA Loans

These government-backed loans are insured by the Federal Housing Administration (FHA) and designed for buyers with lower credit scores or limited savings. Down payments can be as low as 3.5%.

Jumbo Loans

Use this non-conforming mortgage to purchase a more expensive home that exceeds the Federal Housing Finance Agency (FHFA) limits.

Bridge Loans

These short-term loans are typically used to cover a down payment on a new home while you wait for your current home to sell.

USDA Loans

If you have a low to moderate income household and are looking to buy in an eligible rural area, this government-backed loan can help you do that with a 0% down payment and a low interest rate.