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Smart Refi Home Loan

First Mortgages

5-Year and 7-Year Smart Refi Home Loans

AppleTree Credit Union offers balloon loan programs so you can amortize your loan for 5 - 30 years to keep the payments affordable, with low closing costs. Right now, our 5-year balloon mortgage rate is 2.899%APR*. making it a great choice if you want to lower your payment or if you're not planning on staying in your home more than 5 years.

Apply for our Smart Refi Home Loan anytime. Or call 414.546.7800 for more info! Plus, AppleTree doesn't sell its loans, so you can always call either branch with any questions.


10-Year, Fixed Rate Smart Refi Home Loan

AppleTree Credit Union can help you pay off your mortgage loan sooner. We make the process uncomplicated, plus we don’t sell our mortgages and there’s no prepayment penalty.

Right now, the rate is 3.199%APR* for our 10-year fixed home loan. How much will you save? Call us and we'll gladly help you decide if this is the right choice for you!


To begin the mortgage application process, we will need:

  1. a loan application
  2. a copy of your first mortgage statement (and second mortgage, if applicable) showing your outstanding balance
  3. a copy of your last property tax bill
  4. a copy of your homeowner's policy showing your coverage
  5. a copy of your and your spouse's last paystub or W-2 form


Learn about our Second Mortgage and Home Equity Line of Credit Options

NMLRS ID: 446368
Mortgage Loan Originators:
Wendell Gladem #565412
April Kaufmann #565414
Alison Watson #487100
Julie Blair #1251261
Susan Dodge #408009

*See Rates Page for complete disclosure.