my account
get started
contact us


Intercity State Bank offers a variety of loan programs to meet your needs.



At Intercity State Bank, we realize that no two borrowers are the same. That’s why we have several programs to suit each borrowers needs. We provide local decision making and in-house servicing on our conventional and balloon mortgages.

  • Conventional Fixed Rate Loans – This loan features a fixed rate for the entire term of the loan. There are multiple year terms available to you. This is a popular option for many people.
  • WHEDA Advantage – This program by the (Wisconsin Housing Economic Development Authority – WHEDA) is specific to first time home buyers. Some of the features of WHEDA advantage are a 30-yr. fixed rate requiring low down payment and job loss protection.
  • Balloon Rate Mortgages – Your rate is fixed for a shorter, preset term. Payment can be amortized for a number of years. This loan option is available as an alternative to conventional financing.
  • Construction Loans – Perhaps you are interested in building a new home. This loan option is usually set for a short period of time and your payment is interest only on the amount borrowed.
  • Vacant Land / Lot Loans – Whether you are looking for an investment, hunting land or a spot to build your perfect home, we have a variety of flexible financing options.


Thinking about refinancing your current home loan? Let our knowledgeable lenders help you decide whether refinancing is your best option.

  • Cash Out
    Are you looking to use your home’s equity to fund a home improvement project or to consolidate monthly debt? Intercity has cash out programs available.
  • Streamline Refinance
    Refinancing your home can be a great way to either lower your monthly payments or shorten the term of your loan payments.

All loans subject to approval.