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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 refinancing options:

bulletAre Oak Bank’s home loan rates lower than your current home loan rate?
bulletDo you currently have a Balloon Note or adjustable rate mortgage (ARM) and would like the peace of mind of a fixed rate?
bulletWould you like to consolidate a 1st and 2nd mortgage or consolidate other debt with your 1st mortgage?
bulletDo you need to pull cash out of the equity in your home to finance a child’s education or vacation home?

Click here to check out your refinancing home loan options.

If you are interested in refinancing with Oak Bank,  just print out the forms provided below or call 608/441-6000 or contact us.

Loan Application Forms

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 the each link below and print out each form.  They will print out on 8 1/2" x 11" paper.  Once you've downloaded and filled out the forms listed below, you can either fax them to us at (608) 441-6001 or drop them off at 5951 McKee Road, Fitchburg, Wisconsin.

bullet Loan Application Check List.pdf
bulletUniform Residential Loan Application.pdf
bulletAddendum to Uniform Residential Loan Application.pdf
bulletAuthorization to Release.pdf
bulletInsurance Coverage.pdf
bulletNotice Regarding Your Application.pdf
bulletNotice Regarding Your Appraisal.pdf
bullet Request for Transcript of Tax Return.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 (preapproved / 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 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.