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Mortgage Loans

New! Refer a Friend and you both get rewarded!

Refer your friends and family to PyraMax Bank's Mortgage Referral Program. You get a $150 Visa Gift Card1 and they get $300 off Closing Costs2!

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Your PyraMax Bank Mortgage Loan Officer can help you determine what you can afford, provide a breakdown of potential costs and provide assistance with your down payment. We will also help you choose from our variety of mortgage loan options to fit your financial situation and lifestyle. We are a local community bank offering one-on-one service, quick turnaround time and complete client satisfaction.

Conventional Fixed Rate Mortgage Loans

Offers the security of a fixed principal and interest payment, with various terms. Fixed rate mortgage loans are issued under guidelines of Fannie Mae - FNMA or Freddie Mac - FHLMC. Private mortgage insurance is required for loans with less than a 20% down payment.

Adjustable Rate Mortgage Loans (ARM’s)

ARM’s are normally available at lower initial rates with the potential for rate and payment adjustments at varied term intervals. Future market conditions can influence rate changes, however; built in rate caps and margins provide a measure of security and limited increases over the life of the loan. ARM’s can be amortized up to 30 years. Private mortgage insurance is required for loans with less than a 20% down payment.

WHEDA Mortgage Loans

For those who qualify, WHEDA Mortgage Loans offer low interest rates and a low minimum down payment requirement. Ask about current updates on rates, down payments and other qualifications.

Construction Loans

Our construction loans allow you to draw funds as you build, paying interest only on the current balance. In addition, we offer the ability to lock in a long-term fixed rate when you start to build with a 30 year fixed rate or various term ARMs.

Jumbo Mortgage Loans

Available for both fixed and adjusted rate programs. A Jumbo Mortgage Loan is defined as loans greater than $453,100.

VA Mortgage Loans

Guaranteed by the Veterans Administration (VA) for a fixed term of 15 to 30 years. VA Mortgage Loans allow 100% financing for qualified veterans. VA Mortgage Loans require a funding fee, which can be paid in cash or financed in the loan amount.

FHA Mortgage Loans

Insured by the Federal Housing Agency (FHA) , an agency of the U.S. Department of Housing and Urban Development (HUD). The FHA offers fixed and adjustable rate mortgage loan options. FHA mortgage loans are a good option when a minimal down payment is applicable. Borrowers are required to pay for mortgage insurance, which can be financed into the FHA mortgage loan.

Home Equity Loans

PyraMax Bank also offers Home Equity Loans and Lines of Credit. For information, please consult your Mortgage Loan Officer.


Click Here to Apply Online



Or contact one of the Loan Officers below:

Name Location Phone Contact Web Page Connect

Darlene Emmer
(NMLS #400583)

Grafton (414) 235-5256 Email Darlene Visit Web Page  

Tom Schlicht
(NMLS #447099)


(414)  235-5839

   Email Tom     Visit Web Page Linkedin: Tom Schlicht
Randy Reese
(NMLS #423392)
Mukwonago (414) 852-6632   Email Randy  Visit Web Page Linkedin: Randy Reese

Linda Yeikowski
(NMLS #842513)

Franklin (414) 235-5210 Email Linda Visit Web Page  

Robert Brown
(NMLS #401978)

Waukesha (414) 235-5923 Email Robert Visit Web Page

Gary White
(NMLS #447104)

South Milwaukee (414) 235-5107    Email Gary   Visit Web Page  


"How Much Can I Afford?"

The best way to find out how much home you can afford, is to see one of our Loan Officers for a FREE pre-approval. Our Loan Officers will help you with financing options and the amount of money for your home loan.

Find the sample interest rate on the chart below. Follow that column to the monthly payment closest to the amount you can afford. The right-hand column will tell you the approximate amount you could qualify for. These rates are examples only. For current rates, page down.

30 Year Fixed Rate Mortgage Examples

Interest Rate 5.50% 6.00% 6.50% 7.00% Mortgage Amount



6.570% 7.072%
Monthly Principal and Interest Payment $5.68


$6.32 $6.65 $1,000
$341 $360 $379 $399 $60,000
$397 $420 $442 $466


$454 $480 $506 $532


$511 $540 $569 $599


$568 $600 $632 $665 $100,000
$625 $660 $695 $732 $110,000
$681 $719 $758 $798


$738 $779 $822 $865 $130,000
$795 $839 $885 $931


$852 $899 $948 $998 $150,000


What Will You Need for a Down Payment and Closing Costs?

You'll need 5% to 20% of the home's value for a minimum down payment. However, there are programs that you may qualify for that require less than 5% for a down payment. We'll be happy to let you know if you qualify!

You will also need cash to pay closing costs and loan fees. This usually amounts to 1 percent or less of the amount you will be financing. The closing costs and loan fees cover things like the application fee for a credit report and property appraisal, a closing or originators fee to cover costs (some times known as "points"), legal fees, recording fees and title insurance to help make sure your home purchase is legally correct. There are other fees for inspections and surveys. The initial homeowners insurance premium will also be included. You should have two months worth of mortgage payments on hand to cover any unexpected expenses. Don't think you'll have to remember all this! We'll provide you with a detailed estimate of these costs, along with a Truth-in-Lending statement that estimates the Annual Percentage Rate (APR) for your loan.


Offer may not be combined with other promotions. Must present flyer at application. Offer expires July 31, 2019. Offer available for new purchase money loans and refinances with a $25,000 minimum increase in loan amount.

1Referring client must be an existing PyraMax Bank mortgage loan customer, and cannot be a signer on the referred loan. Offer not available to Realtors. $150 Visa Gift Card will be issued after mortgage is closed. Receipt of gift may have tax consequences.

2$300 closing credit will be reflected on the Loan Estimate (LE) and Closing Disclosure (CD).

Hear From Our Clients

Image: Realtor handing keys to home buyer

Five Tips For Purchasing Your First Home

Do you currently rent your home or an apartment? It may be time to start looking at purchasing your first home. Luckily, PyraMax Bank can help.

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