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Where to Start

Information For First-Timers

First-Time Home Buying

Congratulations! We're pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

The Mortgage Process

We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Calculators Apply

Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

The Mortgage Process

We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Calculators Apply

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

The Mortgage Process

We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Calculators Apply

Getting Value Out Of Your Home

The Mortgage Process

We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Apply

Building A New Home

Construction Loans

Construction Permanent Loans offer the convenience of a one-time loan application, approval, processing documentation and loan closing covering both the Construction Loan and Permanent Mortgage Loan.

The Mortgage Process

We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Apply

Have an application?

Login to complete an unfinished application or see the status of your submitted application.

Time Federal proudly serves the counties of Chippewa, Clark, Eau Claire, Lincoln, Marathon, Price, Taylor and Wood, and we're happy to help our surrounding areas too! If the property you would like to purchase or refinance is outside these listed counties, please contact us for more information.

Today's Rates

Today's loan rates
Rate	Points	APR	Payment

Conventional Fixed 10 Year
Interest Rate3.400%	Discount Points0	APR4.038%	Payment Amount$984

Conventional Fixed 15 Year
Interest Rate3.500%	Discount Points0	APR3.942%	Payment Amount$715

Conventional 15/15 ARM
Interest Rate4.125%	Discount Points0	APR4.356%	Payment Amount$485

Conventional 7/1 ARM
Interest Rate3.750%	Discount Points0	APR3.463%	Payment Amount$463

Conventional 3/1 ARM
Interest Rate3.500%	Discount Points0	APR3.156%	Payment Amount$449

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