a steady path to homeownership
By Emma Ray, Community Relations Specialist at Blackhawk Bank and Trust
Long after the moving boxes are gone and routines settle in, your mortgage remains part of your daily life. Choosing one that's built for stability can help homeownership feel less like a leap–and more like a plan.
Built for Consistency and Convenience
At Blackhawk Bank and Trust, we work hard to create mortgage solutions that fit seamlessly into your monthly budget and routine. Our competitive rates are structured to prioritize stability, supporting long-term planning and budgeting. We also make it easy to pay your mortgage, with options to make payments at any Blackhawk Bank and Trust location, online, or through automatic payments. As a community bank, our commitment doesn't end on closing day. You'll continue to receive local support and guidance through the life of your loan, from you first payment to your last.
Options That Meet You Where You Are
Everyone’s journey to homeownership is a little different, and that’s exactly why options matter. Whether you're buying your first home, moving into something new, or refinancing, our goal is to make the mortgage process feel clear, supported, and built around you and your family.
Options to Fit Your Needs:
- Conventional Mortgages
- In-House Mortgages
- FHA (Federal Housing Authority) and VA (Veterans Affairs) Loans
- Construction, Renovation, and Home Improvement Loans
- Jumbo Mortgage Loans
- Mortgage Refinance
Mortgage Services and Resources:
- Free pre-qualification
- Simple online applications
- Access to the Downpayment Plus® Program
- Flexible loan terms
- Guidance from local lending officers
BhB&T Relationship Checking Account Benefit
As you consider which mortgage option fits your needs, it’s also worth thinking about how your everyday banking works alongside your loan. For customers who maintain a qualifying loan relationship, such as a principal balance of $25,000 or more, a Relationship Checking Account may be a convenient way to bring more of your banking together in one place.
- An Interest-Earning Checking Option: designed for customers who maintain additional personal deposit and/or loan relationships
- Flexible Access to Funds: Unlimited check writing and convenient payment options
- Tiered Interest Rates: Rates may offer higher earnings on qualifying balances (rates subject to change)
- Digital Convenience: Electronic statements available to help reduce paper clutter and monthly fees
Secondary Market Offer
Customers may be eligible for closing cost credit when certain relationships are established prior to closing. Two options are available:
Option 1: $200 Off Closing Costs
Customers can receive $200 off closing costs if both of the following are in place:
- A personal deposit account with direct deposit
- Enrollment in eStatements for the new loan being closed
Option 2: $100 Off Closing Costs
Customers can receive $100 off closing costs by having any personal deposit account and one additional account or service established prior to closing, such as:
- Direct deposit
- Certificate of Deposit (CD)
- Individual Retirement Account (IRA)
- A second personal deposit account (checking or savings, including a minor account where the customer is listed)
- An active consumer loan (personal, auto, or home equity line of credit)
- Investment or trust account services
- A personal credit card
Whether you are looking to buy, refinance, or begin your fixer-upper projects, our goal is to equip you with the necessary information to begin your mortgage process. As a community bank, we are committed to supporting you not just at closing, but throughout the entirety of your homeownership journey.