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Fond du Lac Credit Union > Rates > Real Estate Loan Rates

Real Estate Loan Rates

Check out real estate loan rates in real-time.

Person holding money
First Mortgage
Lot Loans
Second Mortgage
Bare Land Loans
Real Estate Equity Advance Plan

First Mortgage

01/16/2026

Interest Rate
APR*
Payment per $1,000
10 Year Fixed
5.500
5.761
$10.85
15 Year Fixed
5.625
5.809
$8.24
20 Year Fixed
5.875
6.022
$7.09
30 Year Fixed
6.000
6.111
$6.00
3/1 Year ARM
5.500
5.610
$5.68
5/1 Year ARM
5.750
6.860
$5.84
7/1 Year ARM
6.000
6.110
$6.00

*APR is Annual Percentage Rate. 1st Mortgage ARM's are amortized over up to 30 years. Your actual rate may be different since many factors are used to provide you with a mortgage loan. The interest rates listed assume specific qualifications are met regarding credit history, loan to value (equity), and debt to income ratios. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice.

Second Mortgage

01/16/2026

Interest Rate
APR*
Payment per $1,000
10 Year Fixed
6.750
7.018
$11.48
15 Year Fixed
6.875
7.066
$8.92
3/1 Year ARM
6.500
6.690
$8.71
5/1 Year ARM
6.750
6.940
$8.85
7/1 Year ARM
7.000
7.190
$8.99

*APR is Annual Percentage Rate. 2nd Mortgage ARM's are amortized over up to 15 years. Your actual rate may be different since many factors are used to provide you with a mortgage loan. The interest rates listed assume specific qualifications are met regarding credit history, loan to value (equity), and debt to income ratios. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice.

Real Estate Equity Advance Plan

01/16/2026

Interest Rate
APR*
LTV 80% or Less
6.25
6.30
LTV over 80% up to 90%
6.75
6.80

*APR is Annual Percentage Rate. Your actual rate may be different since many factors are used to provide you with a mortgage loan. The interest rates listed assume specific qualifications are met regarding credit history, loan to value (equity), and debt to income ratios. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice.

Lot Loans

01/16/2026

Interest Rate
APR*
Lot Loans
7.00
7.15

*APR is Annual Percentage Rate. 3 year ARM's are amortized over up to 20 years. Your actual rate may be different since many factors are used to provide you with a mortgage loan. The interest rates listed assume specific qualifications are met regarding credit history, loan to value (equity), and debt to income ratios. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice.

Bare Land Loans

01/16/2026

Interest Rate
APR*
Bare Land Loans
7.50
7.66

*APR is Annual Percentage Rate. 3 year ARM's are amortized over up to 20 years. Your actual rate may be different since many factors are used to provide you with a mortgage loan. The interest rates listed assume specific qualifications are met regarding credit history, loan to value (equity), and debt to income ratios. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice.