First-Time Home Buyers

If you're buying your first home – you've come to the right place! We're a local community bank that takes a special interest in helping you on your journey to home ownership. As one of the top 10 WHEDA lenders in Dane County, we know all about buying your first home.

You will undoubtedly have many questions:

  • Where do I start? 
  • How much can I afford? 
  • Do I need a down payment?

Our experienced mortgage experts will meet with you, review your financial situation and determine what you can afford.

At Monona Bank you can relax knowing that our experienced mortgage experts can find the best option for you – no matter what your situation. We make it our mission to know all about the different programs that are available to you as a first-time buyer. We can even help determine if you might be eligible for down payment assistance – then help you get it!

To make your new to the home buying experience easier, visit our Eight Steps to Home Buying section.

To learn more give us a call at (608) 223-3000 or explore our online mortgage resource center.


The following links are provided for your reference as you're looking to build or buy the perfect home.

Click here to go to our mortgage calculators.

Wisconsin Homes - A resource of Wisconsin home listings
REALTORS® Association of South Central Wisconsin
Wisconsin REALTORS® Association
Madison Area Builders Association
Knight Barry Title Group
Wisconsin Housing & Economic Development Authority

By visiting these links, you are leaving the Monona State Bank website. Monona Bank is not endorsing or guaranteeing the products, information or recommendations provided by these sites, and is not liable for any failure of products or services advertised, or misinformation found on these sites. Each third party site may have a privacy policy and security level different from Monona State Bank.