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Mortgage Loans

Whether you are buying your first home or moving into a new home, our mortgage loan officers will use their knowledge and experience to partner with you every step of the way.

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Feel at home while you find a home.

From financing your first or next home, we provide exclusive mortgage options and personalized solutions to make you feel at home.

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Choosing a Home Loan

Understand your complete and current financial picture to determine the best loan program for you. Review the following:

  • Anticipated changes in finances
  • How long you intend to keep your house
  • How comfortable you are with your mortgage payment changing

We can help you find the loan program to best align with your finances, life goals and your future plans.

Benefits of a Pre-Approval

Getting pre‐approved to buy a home is one of the most important steps.

Know what you can afford

Determine what you can realistically afford before you begin looking at homes.

Approved loan

Fully underwritten loan approval that includes verification of your income, credit and down payment funds.

Your offer

When you are ready to make an offer on a home, the seller will know your offer is solid.

Find A Loan Officer and Apply Find a loan officer and apply

Put your extra cash or tax refund to work

Two smart options designed to help your cash earn real returns.

1) 3.89% Annual Percentage Yield (APY) 9-Month CD4

2) Lock in a 3.29% APY Money Market Rate for 6-Months5

Whether you're looking to grow your wealth with the security of a fixed rate or need the flexibility to access your money, choose an option to best fit your financial goals.

FIND AN ADVISOR

Your Home Loan Options

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Fixed-Rate Mortgage*

With a fixed-rate mortgage, your monthly principal and interest payments remain the same throughout the life of the loan. Most common fixed-rate home loan terms range from 10 to 30 years.

If you plan to stay in your home several years, a fixed-rate mortgage may be right for you.

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Adjustable-Rate Mortgage (ARM)*

Adjustable-rate mortgages generally have monthly principal and interest payments that change after a set period of time, based on an external financial index. ARMs can offer a variety of features, such as a lower initial interest rate, periodic and lifetime caps on the interest rate and conversion options after construction completion. 

If you plan on relocating or trading up in a few years, you may want to take advantage of an adjustable-rate mortgage.

Click the link below to view the disclosures that describe the features of the most common ARM programs we offer.

ARM PROGRAMS
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Jumbo Loans*

A jumbo loan is an option if you're looking to finance a home for more than $832,750. A jumbo loan exceeds the conforming loan limits and the maximum loan amount allowed by most mortgage investors. Jumbo loans may have some additional underwriting and property requirements.

If your situation provides you a low debt‐to‐income (DTI) ratio, an excellent credit score and a larger down payment, then a jumbo loan may be perfect for you.

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Condo Loans

Financing a condominium is different from a typical home mortgage. Our mortgage loan officers are experienced in the condo market and can help you determine if condo living is right for you.

They are knowledgeable in the financing available for a particular building, how many units are owner-occupied or rentals, what's included in the project, association budgets and insurance, and whether the property is eligible for financing.

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Medical Doctor and Dentist Loans

Specialized mortgage loans designed for medical doctors and dentists may provide benefits that include zero down payments and no private mortgage insurance (PMI) requirements. Additionally, preferred pricing may be available with certain Johnson Financial Group relationships and deferred student loan debt may be excluded from loan ratios.

Whether you're fresh out of residency or close to retirement, we help you navigate your home loan options.

Learn More Learn more about financing solutions for Physicians
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Low Down Payment Loans*

Several loan programs can make homeownership more affordable. These options include low down payments, down payment assistance, gifts and grants to help you finance your dream.

Learn More Learn more about low down payment loan options
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As a VA home loan provider, we’re proud to offer special benefits to active military and veterans to make buying a home more affordable. Take advantage of a zero down payment loan with low rates and low closing costs.

LEARN MORE

The Mortgage Process

Gather your information

Gather your personal and financial documents and complete the loan application online or in person with a loan officer.

Pre-approval

We will review your income, assets and credit for eligibility. Once approved, your loan officer can provide a pre-approval letter to give to your realtor before you begin looking at homes.

Make an offer

Once you know how much house you can afford, it's time to go house hunting. When you find your perfect home, your pre-approval will allow you to make an offer quickly.

Closing

Your closing documents will be sent to the title company and you choose your closing day.

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Young Professionals

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ENROLL TODAY

We will file your satisfaction with the Register of Deeds. In approximately 30 days, you will receive a copy of the satisfaction in the mail for your records, along with any overpayment amount, if applicable.

We will quote you the final payment amount. Your final payment can be made at any of our branch locations, or if your deposit account is currently with Johnson Financial Group, we may be able to process the final payment over the phone for you. Please call 888.769.3796 for additional options.

We are happy to help you review your escrow statement in detail. Please call us at 888.769.3796.

Tax documents are available under the primary account holder's MyJFG online or mobile banking under Documents. If you earned $10.00 of interest or more on a deposit account, you will receive a 1099. If you paid $600.00 or more in interest on a Mortgage or Home Equity Loan, you will receive a 1098.

Related Resources

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Ready to get started?

Fill out the form below and one of our mortgage advisors will get back to you.

Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Conditions, terms, and restrictions, including property and flood insurance, will vary based on loan program selected and property location.

*Private mortgage insurance may be required on loans with less than 20% down. 

1 Important information to obtain 3.89% Annual Percentage Yield | SPECIAL RATE DISCLOSURE applies to 9-MONTH Certificate of Deposit

9-Month Certificate of Deposit:1

A 9-month Certificate of Deposit with a 3.89% APY is available from February 9, 2026, to April 18, 2026, when you deposit new money not currently held by you at Johnson Bank or its affiliates or renew an existing 9-month CD held at Johnson Bank with a current interest rate of 4.17% or 4.27%. A minimum opening balance of $5,000 is required. The maximum deposit amount is $2,000,000. Interest rate 3.87%. There is no limit on the number of CDs that may be opened per household. This APY offer includes IRA Certificates of Deposit and Small Business Certificates of Deposit; however, it is not available for our standard business accounts, business products, brokers, agents, public entities, or financial institutions. A penalty may be imposed for early withdrawal.

1)      This offer is subject to change.

2 Deposit Rate Special Disclosure

The Deposit Rate Special is not available for Business or Municipal accounts, and individuals are ineligible if they have closed an account within the past 90 days or previously closed an account with a negative balance within the last three years; there is no limit per household. This offer is available to individuals renewing a 9 month CD at the rate of 4.17% or 4.27%, or to those bringing in at least $5,000 in new money, defined as funds not currently held by Johnson Bank. To qualify, individuals must deposit the required minimum amount of $5,000 in new money and open one of the following Money Market accounts, each with its own separate minimum opening deposit: Signature Money Market ($1,000), Relationship Money Market ($25,000), or Private Banking Money Market ($100,000). The minimum amount of $5,000 in new money counts towards the deposits but does not replace the account specific minimum opening deposit requirements. Interest is calculated using the Daily Balance Method and the account must remain open and in good standing for the entire promotional term, during which the fixed bonus rate applies to the full balance. If required deposits are not maintained, or after the promotional term ends, the account may revert to the standard tiered variable rate as listed on the current rate sheet, which is subject to change without notice. This offer cannot be combined with other promotions, and interest earned will be reported on IRS Form 1099 INT or 1099 MISC.