Close Nicolet Bank will be closed at noon on Tuesday, December 24, 2024 and closed on December 25, 2024. Merry Christmas!
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Personal Banking / Home Lending / Refinance Mortgage Rates
We offer low fees and competitive interest rates.

Home Refinance Mortgage Rates

Could today's rates save you money on your current mortgage? Have a conversation with our home loan experts to see if the time is right for you.

Apply Online

Refinance Mortgage Rates

Refinance of an existing mortgage.

View Purchase Mortgage Rates

View Rates Table

Full service mortgage lenders offering expertise in every aspect of mortgage lending from purchase loans to refinance loans to construction loans. Our competitive mortgage rates are backed by mortgage experts who are dedicated to finding the right loan-with the best mortgage rates, terms and costs-to meet your unique needs. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.

15 Year Fixed Mortgage Rates

This mortgage loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate—and you'll own your home twice as fast. The disadvantage is that, with a 15-year mortgage loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years. This approach is often safer than committing to a higher monthly mortgage payment since the difference in interest rates is not that great.

30 Year Fixed Mortgage Rates

The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper. As a rule of thumb, it may be harder to qualify for fixed-rate mortgage loans than for adjustable-rate loans. When mortgage interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgage loans. Fixed-rate loans may be a better deal in the long run, because you can lock in the rate for the life of your loan.

*Rates are subject to change without notice. Mortgage assumptions: 15 and 30 year fixed rate agency conforming mortgage pricing is based on our published interest rate on a 15 or 30 year fixed rate term conforming mortgage loan. Rate and Annual Percentage Rate (APR) assume the loan is for an owner-occupied, single family, one-unit purchase transaction at 80% Loan-to-Value (LTV) with 20% down or 70% LTV with 30% down, FICO credit score of 760 or better on a 45 day rate lock with escrows for property taxes and insurance, delivered to Fannie Mae. The monthly payments are based on a $300,000 purchase price with down payment as indicated in the tables. The disclosed APR includes origination fees and other finance charges. The APR’s disclosed above assume closing costs of $2,000. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance (PMI) and to escrow for property taxes and insurance. The mortgage payment calculator does not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation.