Fixed-rate, adjustable and low down payment home loan options
Buying a home is amazing. It’s exciting, but it can be overwhelming, too. Let our Mortgage Partners help with the overwhelming part so you can focus on the good stuff! We have three options listed below. We’ll help you choose the one that works best for your unique situation.
Fixed-Rate Mortgage
Have you found the one and you’re never moving again? Then the security of a fixed rate is the right choice for you. There are multiple terms to choose from – 10, 15, 20 and 30 years.
Adjustable-Rate Mortgage
Also known as an ARM. Sometimes the idea of an adjustable-rate worries people. But, if you plan to be in this home for 10 years or less, this really is an ideal option for you.
It’s a fixed rate for a portion of the term and adjustable thereafter. It often provides a lower rate up front and therefore a lower monthly payment during the portion of the term when the rate is fixed. Multiple options here as well – 3, 5, 7 and 10 years.
Low Down Payment Options
The thought of putting a large down payment on a house can be daunting, to say the least. Qualified borrowers can make down payments as low as 3%. (Whew.)
In addition, Prospera has some home loan specials where community heroes/experts¹ can make down payments as low as 1% – plus, gifts and grants are allowed! Say what?!
Sarah Cooper
(920) 882-4767
sarah.cooper@myprospera.com
Mee (Samee) Sams - Hais lus hmoob
920-882-4708
mee.sams@myprospera.com
Home Equity Loans
Home is Where Your Next Adventure Begins
The equity in your home can be used for more than home improvements. We even have an option where no equity is required!
- Go on vacation
- Purchase a vehicle
- Pay for college expenses and more!
Home Equity Loan
Have a specific need in mind and know exactly how much you need? A Home Equity Loan is likely the right choice for you, a loan with a fixed payment and fixed term.
Home Equity Line of Credit
Maybe you have a need in mind but you’re just not sure how much money it will take. The Line of Credit is a convenient choice since you can continually advance funds within an established limit without reapplying for the loan. It provides that extra bit of flexibility since we know not all projects go exactly as planned.
Homeowner Multipurpose Loan/Line
Here’s that loan we mentioned above where equity is not required! This also comes with an option for a lump sum with a fixed payment and term, but wait, we don’t stop there. We also offer an option for a line of credit to provide flexibility.
Home Equity Line of Credit Rates
| LOAN TYPE | TERM | APR1 (as low as ) | Payment |
|---|---|---|---|
| LOAN TYPE: Interest-Only HELOC | TERM: 12 Month Fixed Intro Rate2 /10 Year Draw Period | APR1 (as low as ): 5.75% | Payment: $50 min3 |
|
1Annual Percentage Rate (APR) is based on creditworthiness and loan to value (LTV) of 80% or less. The advertised APR includes a 0.50% discount for PCU checking and auto pay. 2After the 12-month introductory period the rate is indexed to the Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 4%. 3During the introductory and 10-year draw period, the minimum monthly payment will be (a) $50 or (b) the accrued interest on the outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. Rates as of 07/06/2026 at 9:55 AM. Subject to change without notice. |
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Homeowner Multi-Purpose Loan
Apply for a Homeowner M/P Loan| LOAN TYPE | TERM | Interest Rate | APR (as low as) | Payment per $1000 |
|---|---|---|---|---|
| LOAN TYPE: Installment (Lump Sum)1 | TERM: Up to 100 Months | Interest Rate: 9.25% | APR (as low as): 9.36% | Payment per $1000: $14.39 |
| LOAN TYPE: Personal Line of Credit2 | TERM: Variable Line of Credit | Interest Rate: 10.75% | APR (as low as): 10.75% | Payment per $1000: |
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¹Annual Percentage Rate (APR) is based on creditworthiness and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount: $40,000. Max term is 60 months for loans less $15,000 and less or 100 months for loans greater than $15,000. Loans currently held with PCU are not eligible. Offer limited to homeowners. Rates subject to change without notice. Rates as of 07/06/2026 at 9:58 AM. Subject to change without notice. |
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Contact a Prospera Lender Directly
Mee (Samee) - Hais lus hmoob
920-882-4708
mee.sams@myprospera.com
Sue Patchak
920-424-2379
sue.patchak@myprospera.com
Grecia M. Ramirez - Hablo Español
920-882-4796
gracie.vera@myprospera.com
Terrence-Christopher Patterson
920-471-1679
terrence.patterson@myprospera.com¹Applies to Community Hero professions such as teachers, firefighters, police officers, emergency medical technicians and paramedics, as well as Community Expert professions such as CPAs, PHDs, Architects, Mortgage Bankers and Actuaries.
Closing costs may vary.
Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending is available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/data-research/hmda/). HMDA data for many other financial institutions are also available at this web site.