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Tonia Butkovic

Tonia Butkovic

Mortgage Loan Officer

NMLS ID#555784
Office Phone: 414-978-0266

About Tonia

Tonia is proud of 25 years with Old National Bank as a Mortgage Loan Officer and is your banker for life! Her experience provides every client with the care and expertise they deserve. Throughout the mortgage process; Tonia exhibits a deeper connection with her clients. Tonia exemplifies, sincerity, trust, kindness, and thoroughness as she continues to put her clients FIRST! She works closely with you to choose your mortgage to meet your financial goals. Her number one priority is the client and that trust shows in the thousands of homeowners that have chosen her to build, buy, and refinance her homes. On a personal note, Tonia’s character and passion continues to show in her commitment to volunteerism and fundraising. Tonia’s dedication led her to co-founding Wisconsin Broads For a Cause, a full 501(c)(3) charitable organization.

Mortgage Purchase Rates

If you are wanting to refinance your home, please visit our Mortgage Refinance Rates page.

Conventional
Term Rate APR Principal & Interest Payment
15 Yr Fixed Purchase 2.375% 2.432% $1,520.12
30 Yr Fixed Purchase 3.125% 3.157% $985.26
The above rate is based off of the following assumptions for your Conventional Loan:
  • Credit score 740 or higher
  • LTV 80% (20% down payment)
  • Loan amount of $230,000
  • Purchase
  • Owner occupied/single family home
  • No secondary financing
  • Escrow for taxes and insurance
  • 45-day lock
  • Finance charges include $850 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply.

Please note that if your credit score, down payment, loan amount or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 07/6/20 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.


Construction
Term Rate APR Principal & Interest Payment
Construction 15 yr 2.500% 2.753% $480.48
Construction 30 yr 3.250% 3.425% $626.33
The above rate is based off of the following assumptions for your Construction Loan:
  • Credit score 700 or higher
  • LTV 80% (20% down payment)
  • Loan amount of $230,000
  • One-time close construction
  • Assumes a 1-year construction phase followed by fully amortizing 30-year permanent phase
  • 90-day lock
  • Finance charges include $1,050 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply.
Please note that if your down-payment or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Loan amount up to $1,000,000. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 07/6/20 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation may be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.

Jumbo
Term Rate APR Principal & Interest Payment
Jumbo 30 Yr Purchase 3.250% 3.257% $4,352.06
The above rate is based off of the following assumptions for your Jumbo Loan:
  • Credit score 740 or higher
  • LTV 60% (40% down payment)
  • Loan amount of $1,000,000
  • Purchase
  • Owner occupied/single family home
  • No secondary financing
  • 45-day lock
  • Finance charges include $850 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply.

Please note that if your credit score, down-payment, loan amount, or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Loan amount $510,401 to $1,000,000. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 07/6/20 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation may be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.


ARM
Term Rate APR Principal & Interest Payment
5/1 ARM Purchase 2.750% 3.753% $938.95
The above rate is based off of the following assumptions for your Conventional ARM Loan:
  • Credit score 740 or higher
  • LTV 80% (20% down payment)
  • Loan amount of $230,000
  • Purchase
  • Owner occupied/single family home
  • No secondary financing
  • Escrow for taxes and insurance
  • 45-day lock
  • Finance charges include $850 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply.

Please note that if your credit score, down-payment, loan amount, or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Loan amount up to $510,400. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 07/6/20 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.

Additional example of how an ARM is calculated: On a $230,000, 5/1 ARM amortized over 30 years with an initial interest rate of 3.250% with an annual percentage rate of 3.927%, after fixed-period of 5 years the rate may increase annually; individual adjustments are capped at 2% first, 2% subsequent and rate can never increase by more than the lifetime cap of 5%. Finance charges include $850 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply. A payment example would be as follows based on a fully-capped interest rate of the loan: Years 1-5 at 3.250% rate with a payment of $1,000.97, Year 6 at 5.250% rate with a payment of $1,230.89, Year 7 at 7.250% rate with a payment of $1,476.90 and Years 8-30 at 8.250% rate with a payment of $1,603.92. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. After the initial fixed-rate period, your interest rate can increase annually according to the market index. Current index (LIBOR 12 month) as of Dec 6, 2019 is 1.923%. The current index plus Margin rounded to the nearest 0.125 is 4.125%. Any change may significantly impact your monthly payment. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation may be higher.

 


FHA
Term Rate APR Principal & Interest Payment
FHA 30 Yr Purchase 2.500% 3.521% $683.46
The above rate is based off of the following assumptions for your FHA Loan:
  • Credit score 640 or higher
  • LTV 96.5% (3.5% down payment)
  • Base loan amount of $170,000; Total loan amount of $172,975
  • Purchase
  • Owner occupied/single family home
  • Escrow for taxes and insurance
  • 45-day lock
  • Finance charges include 1.75% of base loan amount for upfront mortgage insurance premium, $850 origination fee and $6.70 flood certification fee. Additional closing costs apply.

Please note that if your credit score, down-payment, loan amount or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 07/6/20 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.

Example Payment Schedule: Listed below is the payment schedule for an FHA loan with a base loan amount of $170,000 and a total loan amount of $172,975, a rate of 3.250%, with an annual percentage rate of 4.279%, amortized over 30 years. Finance charges include 1.75% of base loan amount for upfront mortgage insurance premium, $850 origination fee and $6.70 flood certification fee. Additional closing costs apply.

Year Number of Payments Payment Amount  
1 12 $872.12  
2 12 $869.67  
3 12 $867.14  
4 12 $864.53  
5 12 $861.83  
6 12 $859.05  
7 12 $856.17  
8 12 $853.20  
9 12 $850.13  
10 12 $846.95  
11 12 $843.68  
12 12 $840.29  
13 12 $836.79  
14 12 $833.18  
15 12 $829.45  
16 12 $825.59  
17 12 $821.61  
18 12 $817.50  
19 12 $813.25  
20 12 $808.86  
21 12 $804.33  
22 12 $799.64  
23 12 $794.81  
24 12 $789.81  
25 12 $784.65  
26 12 $779.31  
27 12 $773.80  
28 12 $768.11  
29 12 $762.24  
30 11 $756.16  
30 Final 1 $754.94  

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