Mortgage Loans

Turn "One Day" Into "Day One" In Your New Home

BHCCU Mortgage Loans

Find the right mortgage for every stage of homeownership. Whether you’re buying, building, refinancing, or using the equity in your home, Blackhawk Community Credit Union offers mortgage solutions designed to fit your goals. Purchase, build, or finance your new or next home with mortgage solutions designed to fit your goals and budget.

The BHCCU Difference

There are many options available to you for your homebuying and homeowning needs.

But stress not, there's no need to feel overwhelmed. We got you!

  • Our experienced Mortgage Loan Officers (MLOs) are here to help you find the loan solution that's right for you. Because when you choose BHCCU, you're choosing LOCAL. You can contact us with any questions, and a trusted Mortgage Loan Team is here to answer them all.

Give us a call TODAY at 608.755.6065 or visit your local branch and ask to speak to a Mortgage Loan Officer.

Meet Our Mortgage Loan Officers

Our Mortgage Center

Everything you need to start your mortgage journey. From finding your BHCCU Mortgage Loan Officer and viewing our current rates, to starting a new application or continuing an existing one!

  • View Mortgage Disclosures
  • Access NMLS Registry Information
  • Explore Mortgage Resources
 











Let's Find the Mortgage That's Right for You

Whether You're Buying, Building, or Using Your Home's Equity
Buy a Home

With a mortgage from BHCCU, turn your homeownership goals into reality with a mortgage or bridge loan to purchase a:

  • New Home
  • Condo
  • Vacation or Second Home
  • Investment Property
Build a Home

Whether you're building your dream home, purchasing land, or buying your next home before selling your current one.

  • Building on Lot or Land
  • Building onto Current Property
  • Purchasing Lot or Land
Use Your Home's Equity

Use the value you've built to fund home improvements, consolidate debt, and more.

  • Home Equity Line of Credit (HELOC)
  • Home Equity Loan (Second Mortgage)
 





































Refinance Your Current Mortgage

Replacing your current mortgage loan with a new one that better aligns with your needs of today. Depending on your goals, refinancing may help you save money, improve your loan terms, or access the equity you've built in your home.

  • Lower Your Monthly Payment
  • Reduce Your Interest Rate
  • Change Your Loan Term
  • Remove Private Mortgage Insurance (PMI)
  • Build Faster Equity or Access Your Home's Current Equity (cash-out)
  • Consolidate Dept

Have an Existing Mortgage?

Access Quick Finds for Members with Existing Mortgage Loans
If you want to make a payment on your desktop, click the Online Banking button below. Payments can also be made in the BHCCU Mobile App.
  • To make a mortgage payment, click on your Mortgage Loan and then My Mortgage.
  • Choose Payment Options to set up one-time or recurring payments.
Not a Digital Banking user? We've got options for your too.
  • If you want to make a payment from another financial institution, click the Payment Portal button below. 
Form Name: 1098
Received for Home Equity or Mortgage loan interest paid (If total interest paid is $600.00 or more).
If you did not receive a tax form, it may be because minimum dividend/interest requirements were not met for BHCCU to generate one. Please visit your local branch or contact our Call Center at 608.755.6065, with any questions. We can always print off your YTD and Last Year Tax Information, or your December 2025 statement. The availability date for online forms may differ from the mailed-by date noted above. While we make every effort to provide your interest statements online, certain circumstances may prevent the notice from appearing in Online & Mobile Banking, making it unavailable for online viewing. If you’d like to go paperless for tax statements and forms, we encourage you to enroll in Online & Mobile Banking and sign up for eStatements.
 
Mortgage Escrow Property Tax Payments
If you selected to have your taxes paid in December and to be sent directly to the tax payee, the municipality will be issued the payment by December 31st. If you selected January, the municipality will be issued the payment by January 31st.


Homeowners Insurance
You trust Blackhawk Community Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Homeowners Insurance Program.
  • TruStage® Is Temporarily Unavailable.
Insurance Claims Due to Storms
Getting through storms and the damage they leave behind can be incredibly difficult, often leaving those effected feeling lost. We are here to help you understand the insurance claim process to get your home repaired.
 
Please contact us with any questions you may have at insuranceclaims@bhccu.org. We will do our best to respond to your questions within 24 hours of receiving them. You can also call our Contact Center at 608.755.6065 for assistance.
 
  1. Take pictures to document the damage to your property. (Include yard damage such as trees, fences, etc.)
  2. If you have a mortgage on the property, contact your Financial Institution to let them know there was damage to the property.
  3. Contact your Insurance Company to discuss the situation. Be sure to document who you spoke to and the next steps they give you to take. Possibly file a claim with your insurance company based on your discussion with them.
  4. If you file an insurance claim, an Insurance Adjuster may inspect the property damage.
  5. You may need to hire a Contractor to fix the damage to your property.
  6. The Contractor will inspect the property damage and create a bid. The bid is a summary of the damage and cost (time and materials) to repair the damage. The Contractor may give the bid to you to send to the Insurance Company, or the Contractor may submit the bid directly to the Insurance Company themselves.
  7. The Insurance Company will approve or deny the Contractor’s bid.
  8. Once the bid is approved to be paid, the Insurance Company will provide the Adjuster’s Report and details about how the claim will be paid to you.
  9. Payments are made one of two ways. The Insurance Company pays the claim in one check or pays the claim in two payments – Half up front for supplies and half when the repairs are completed.

If you receive a check issued by your Insurance Company for damage repair, you must take the check to the Financial Institution that holds your mortgage. If your mortgage is with BHCCU, we will deposit the check into an interest bearing, Insurance Savings account, and will work with you as the damage is repaired. If you have further questions, please call our contact center at 608.755.6065.

Be aware of storm chasers! Do not sign a contract with a non-local, unreputable contractor. Your Insurance Company may be a resource to find a local, reputable Contractor. (BHCCU is unable to make suggestions regarding Contractors.)

We have a plethora of financial calculators to help you stay on track with your financial goals. Click Mortgage Calculators below to view the calculators specifically designed with homeowners in mind.