Personal loans

Borrow smarter with local lending you can trust

Move forward with confidence through local lending you can rely on. From buying a car to tackling a project or consolidating debt, Bank of Brodhead offers clear terms, competitive rates, and quick decisions made close to home.
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Construction Loans Built Around Your Goals

Whether you're building your first home, your forever home, or a getaway retreat, our local mortgage team is here to guide you through every step. Explore competitive construction loan options, estimate your payments, and connect with lenders who understand your goals and your community.
Wooden house frame under construction with text showing 2.99% construction rate and 4.93% APR.

*Rate example of 2.99% interest rate with an Annual Percentage Rate (APR) of 4.928% is based on a $270,000 construction loan with a 12-month interest only construction period with a final balloon payment of all unpaid principal and interest. Actual APR may be higher. Bank of Brodhead checking account with direct deposit required. 10% down payment required for primary residence construction. 20% down payment required for second homes. Rate subject to credit approval, not all borrowers will qualify. Fees and closing costs apply. Rate subject to change without notice.

Bank of Brodhead Loan Calculators

Explore Our Loan Options

Choose from our lending products and interactive calculators to compare payments, project costs, equity options, and payoff timelines.

our team

Contact us
Headshot of Anastasia Rieff

Anastasia Rieff (Brodhead)

Consumer Loan Officer
SRieff@bankofbrodhead.com
Headshot of Michelle Pnkauskas

Michelle Ponkauskas (Orfordville)

Mortgage Loan Officer
michelle@bankofbrodhead.com
Headshot of Tamara Kolovitz

Tamara Kolovitz (Milton)

Mortgage Operations Manager
tkolovitz@bankofbrodhead.com
How ([pennymac.com](https://www.pennymac.com/mortgage-calculators/how-much-can-i-borrow))?

How Much Can I Borrow?

Use this mortgage affordability calculator to estimate how much home you may be able to afford based on income, debt, down payment, term, rate, and ownership costs.

Mortgage Qualification & Affordability Calculator

Enter loan and borrower details, then compare Affordable, Stretch, and Aggressive home price estimates using 28%, 36%, and 43% DTI-style payment targets.

What this calculator shows
Estimated maximum home price using multiple DTI-style budget levels
Monthly payment capacity after recurring debts
Ownership cost effect from taxes, insurance, mortgage insurance, and HOA
Side-by-side Affordable, Stretch, and Aggressive ranges

Borrowing Power Calculator

Affordable Home Price
$0
Affordable Monthly Payment
$0
Uses a 28% income-based housing ratio with your entered debts and costs.
Estimated Loan Amount
$0
Loan and Borrower Details
$
Total money earned in a year before taxes.
$
Recurring monthly loan, credit card, or installment payments.
$
Initial payment made when buying a home.
years
Length of time to pay off the loan, in years.
%
Percentage charged on the loan amount each year.
Taxes & Fees
%
Yearly tax based on the home value as a percentage of purchase price.
$
Estimated annual insurance premium.
%
Typically applies when down payment is under 20%.
$
Monthly homeowners association fee, if applicable.
Based on your inputs, you can afford a home up to
Payment Capacity Comparison
The ranges reflect different DTI-style targets: Affordable (28%) is more conservative, Stretch (36%) is a moderate stretch, and Aggressive (43%) is a higher-risk planning range. PennyMac describes these same bands on its calculator page. ([pennymac.com](https://www.pennymac.com/mortgage-calculators/how-much-can-i-borrow))
Apply Now
More Calculators Contact a Lender
Rate Spotlight

Today’s mortgage rates, built for our community.

Whether you're buying your first home or making a move across town, our local lending team is here to make things simple and straightforward.

Take a look at today’s rates, then apply when you're ready—we’ll guide you the rest of the way.

Why Bank of Brodhead?

Local decisions, real people, and a team that understands what home means here.

Apply Now Quick, secure, and easy to get started.

Today’s Featured Rates

APR = Annual Percentage Rate

our values

Why Choose BoB

At Bank of Brodhead, we believe banking should feel personal, honest, and local. Every decision, every relationship, and every investment starts right here in our community.
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24 hour access

Manage your accounts anytime, anywhere, with secure online and mobile banking.
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We're Local

We do business locally, employ local people, and our shareholders are part of this community. We invest where we live and give back to the towns we serve.
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Competitive Rates

Enjoy fair, transparent rates designed to help you reach your goals without surprises.
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Trustworthy & Honest

We do what we say—and we always do what’s right on behalf of our customers.
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Top-Notch Customer Service

We meet you where you are, on your schedule. Real people. Real help.
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We’re Personal

You’re never just a number to us. We remember your name, your story, and your goals—because we’re in the people business.
faqs

We answer your questions

Quick answers to common questions. For specifics about your situation, contact a banker.
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