Current as low as Mortgage and Home Equity Rates
FreeRateUpdate publishes the as low as mortgage and home equity rates and APRs we can verify from the lenders and brokers in our network. Individual terms vary; the details and assumptions behind each figure are available below.
| Purpose | Product | Term | As low as rate | APR* |
|---|---|---|---|---|
| Purchase | Fixed mortgage | 30 years | 6.375% | 6.549% |
| Purchase | Fixed mortgage | 15 years | 5.375% | 5.736% |
| Refinance | Fixed mortgage | 30 years | 6.124% | 6.306% |
| Refinance | Fixed mortgage | 15 years | 5.490% | 5.837% |
| Refinance | Fixed mortgage | 10 years | 5.250% | 5.737% |
| Cash-out refinance | Fixed mortgage | 30 years | 6.375% | 6.556% |
| Home equity | HELOC | Revolving | 7.000% | 7.000% |
| Home equity | Home equity loan | Fixed term | 8.125% | 8.532% |
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Compare WI Mortgage Refinance Offers
Lower Your Interest Rate in Wisconsin
If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
Why should I lower my rate? |
Save money |
 |
Lower Payments |
Shorten Your Loan Term in Wisconsin
Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.
Why should I shorten my term? |
Become mortgage-free quickly |
 |
Pay less interest |
Leverage Your Home's Equity in Wisconsin
Take cash out of your home to apply to improvements, renovations, or other necessary expenses.
Why should I cash out? |
Renovations |
 |
Pay for other debts or emergencies |
Wisconsin Mortgage Rates
Wisconsin's nickname is America's Dairyland, and it has more cows than any other state. The state is the country's leading dairy producer, and the cheese industry here is world-famous. Along with the strong dairy industry, you will find some of America's most recognized breweries, a strong manufacturing industry, a large lumber industry, great healthcare industries, and some of the most dedicated sports fans in the entire country. Wisconsin is home to the most lakes in the lower 48, and its 15,000+ lakes are a fisherman's paradise. Wisconsin is a great place for homebuyers looking for a great Midwest lifestyle. When searching for a home in Wisconsin, make sure to compare lenders by using FreeRateUpdate.com.
Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.
Common Wisconsin Loan Types:
- Wisconsin conventional mortgages: Conventional mortgages are some of the most popular choices for homebuyers, and you can compare lenders using FreeRateUpdate.com. This loan often comes with a fixed interest rate, which can vary across the state. The rate available to you will be determined by your current income, job history and credit history.
- Wisconsin FHA loans: An FHA mortgage in Wisconsin is a loan backed by the Federal Housing Administration. These are offered through select lenders throughout the state and are typically offered to first-time home buyers looking for their first home. FHA Mortgages are best for borrowers with lower credit scores and/or less money available for a down payment. FHA Insurance is paid for by the borrower through both settlement costs and monthly payments. You can compare your options using freerateupdate.com.
- Wisconsin VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.
Program information: FHA (HUD) and VA.gov.
How to Compare Wisconsin Mortgage Rates
Mortgage pricing available in Wisconsin varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.