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Residential Mortgage Loans

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Karen Blok

Karen Blok

VP/Mortgage Loan Officer

NMLS ID# 712159

Employee since 1999

Baldwin Office
Favorite Hobby: Shopping with her granddaughters

Christine Buckman

Christine Buckman

Universal Loan Officer

NMLS ID# 757131

Employee since 2019

Baldwin Office
Fun Fact: Loves watching Documentaries

Lori Davis

Lori Davis

VP/Senior Universal Loan Officer

NMLS ID# 822298

Employee since 2019

Chippewa Falls – Loan Production Office
Favorite Hobby: Hunting, fishing & camping with her family

Dave Hammers

Dave Hammers

VP/ Senior Universal Loan Officer

NMLS ID# 267927

Employee since 2017

Balsam Lake Office
Favorite Hobby: Golfing


Lock & Shop: 100 Day Loan Lock Program

This special program is designed to help buyers know exactly what amount they are approved for and allows them to lock in a rate for up to 100 days.
5 Simple Steps to follow:

  1. Connect With A Lender.  Our home loan experts are invested in making sure your mortgage is a success.
  2. Get Pre-Qualified For Your Home Loan.  We’ll help you find the best fit for your financial needs.
  3. Lock Your Rate.  You’ll get the best rate available.  Guaranteed.
  4. Shop Without Stress.  No worries if rates increase as you have a secured rate.  If rates drop, you will have a chance to get a lower rate.
  5. Home Closing & Move-In!  Congratulations on your new home.

*All credit and loan products are subject to credit approval.  Your exact interest rate will depend on the date you lock your rate.  Float down option available within five (5) business days of signed purchase agreement.


Buying your primary home, vacation home or investment property can be one of the biggest financial decisions of your life. We have a variety of loan options to suit your needs. Fixed rate loans are one of our most popular loan options. You can depend on a fixed rate and payment for the entire loan. No prepayment penalties.

Construction Loans

Buying a lot and building a home can be exciting and overwhelming at the same time. Our mortgage lenders will be there to assist during the entire process. You are only required to pay interest on the amount that is disbursed. Draws and inspections are handled locally.

Home Equity Lines of Credit (HELOC’s)

Your home is one of your most valuable financing tools! If you have lived in your home several years, paid a large down payment, or increased your home’s value, chances are you have lendable equity in your home. You can use the equity for home improvement projects, education, vacations, and more! Once you establish a HELOC with us you can access these funds at any time. You only need to pay interest on the amount outstanding. You may be able to deduct the interest you pay, contact your tax advisor to learn more about this.

Home Equity Term Loan

As with HELOC’s, a home equity term loan allows you to use the equity in your home for many reasons, such as home improvements, education, vacations, and more. The difference from HELOC’s are: You get all your cash up front. The interest is fixed for the term of the loan. The monthly payments are fixed. The interest rate will be lower than most other types of loans and credit cards. You may be able to deduct the interest you pay, contact your tax advisor to learn more about this.