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While the dream of the perfect house and the white picket fence is one many people share, the buying process is unique for every homebuyer. Associated Bank takes the hassle out of applying for a mortgage with Excellend™, our easy-to-use online loan application. You’ll also experience the superior customer service you’ve come to expect from the leading lender in the Midwest*.
Choose a path according to your current needs
We’re also proud to support those buying energy-efficient homes. For a limited time, get a $150 credit² toward your home loan through our Green Home Initiative. Learn more.
First step: Pre-qualification¹
Pre-qualification starts with a simple conversation between you—the potential home buyer—and one of our mortgage loan officers to discuss options available to you. You’ll complete an application, and Associated Bank will conduct a credit check. However, no formal documentation is collected and no underwriting review is completed.
Knowing the loan amount you could qualify for will tell you how much home you can afford.
You’ll save time by only reviewing homes in your price range.
If you discover any credit problems, you can try to resolve them early.
You can confidently make an offer as soon as you find a home you like.
Your offer is more likely to be accepted than the offer from a buyer who is not prequalified.
You might get more support from a real estate agent who knows you’re serious about buying.
If you have an accepted offer
Apply online with Excellend or schedule an appointment today.
A variety of factors will be taken into consideration before a decision is made, including your available down payment, your job history and your debt, as well as your credit score.
W-2 forms
Bank statements
Recent pay stubs
Tax returns
List of assets
Call 800-236-3617
Monday – Friday, 8 a.m. – 6 p.m.,
Saturday, 8:30 a.m. – 12:30 p.m.
Pre-qualification is not a guarantee of approval and is based on the verbal information provided at the time of the request and is contingent upon, but not limited to, a full underwriting review. Pre-qualification is valid for 120 days from date of issuance and is not transferable. Employment and credit history must remain the same during the pre-qualification period. Purchased property must meet underwriting requirements and may require private mortgage insurance.
Offer expires December 31, 2024. Show this offer to your Associated Bank mortgage lender when you apply. Your loan must close by February 28, 2025. Offer applies to loans that include qualified energy-efficient home improvements. The loan may be a cash-out refinance of a non-Associated Bank or Associated Bank mortgage loan, a construction loan or a purchase-money mortgage. Some mortgage programs and products are excluded from this offer, including but not limited to; loans without qualified energy-efficient improvements, lot loans and simultaneous seconds. One discount per mortgage loan. This offer cannot be combined with any other mortgage loan discounts and is subject to change (at Associated Bank’s discretion) at any time without notice.
*The Leading Lender in the Midwest designation is based on originated, closed-end mortgage loan count, gathered from the Home Mortgage Disclosure Act data compiled annually by the Consumer Financial Protection Bureau. The results of the data were obtained through the Consumer Financial Protection Bureau Mortgage Database (HMDA), July 2024. (1171)
