Home Loan Refinancing

Should you refinance your home loan?

If you answer yes to any of the following questions, you will want to contact us to find out more about your mortgage refinancing options:

• Are Oak Bank's great mortgage rates lower than your current mortgage rate?
  
  
• Do you currently have a Balloon Note or adjustable rate mortgage (ARM) and would like the stability of a fixed rate?
  
  
• Would you like to consolidate a 1st and 2nd mortgage or consolidate other debt with your 1st mortgage?
  
  
• Do you need to pull cash out of the equity in your home to finance a child's education or purchase vacation home?

Think its time to refinance? Click here to check out your mortgage refinancing options. We offer many options and terms, and you can trust us for quick processing, great mortgage rates and local servicing. If you live in the Fitchburg or Madison, Wisconsin area, contact a Mortgage Lender today for a customized solution. Or just email loans@oakbankonline.com .

If you are interested in refinancing your mortgage with Oak Bank, click on the
"Mortgage Center" button below, download the printable forms provided below, call 608.441.6000 or contact us.

• Apply for your mortgage at your convenience, 24 hours a day,
  7 days a week.
• Complete a customized application that only asks questions
  that apply to your specific situation.
• Check out our extensive resource center including mortgage
  calculators, a glossary of mortgage terms, easy-to-understand
  product information and Rate Watch.
• Obtain a loan decision in seconds after submitting your application.

For your convenience, we offer all of the forms listed below for easy download.   All forms are provided in PDF format.   In order to view and print a PDF file you will first need to download and install a free copy of the Adobe Acrobat Reader, if you don't already have it.  Just click on each link below and print out each form.  Once you've downloaded and filled out the forms, you can either fax them to us at (608) 441-6001 or drop them off at Oak Bank, 5951 McKee Road, Fitchburg, Wisconsin.

• Loan Application Check List.pdf
• Uniform Residential Loan Application.pdf
• Addendum to Uniform Residential Loan Application.pdf
• Authorization to Release.pdf
• Insurance Coverage.pdf
• Notice Regarding Your Application.pdf
• Notice Regarding Your Appraisal.pdf
• Servicing Disclosure Statement.pdf

Oak Bank, along with Equifax, Experian, Innovis, and TransUnion, (collectively the "Consumer Credit Reporting Companies"), encourage you to make an informed decision about receiving firm (pre-approved / prescreened) offers of credit or insurance.  Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers"). The FCRA also provides you with the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers.  Click HERE to find out more or to Opt-Out.