Latonia Schmitt, Bluff View Bank - Mortgage Loan Officer, NMLS# 1052650

09/04/2026

All the resources the bank has, now at your fingertips! Check it out! Staying informed is one of the best ways to recognize and prevent fraud!

Fraudsters are constantly changing their tactics, finding new ways to target consumers. Education remains one of the strongest tools available to protect both consumers and the financial institutions they trust.
To help address this ongoing challenge, WBA has created new resources to help consumers stay one step ahead with the new Lock Out Fraud resource page at www.wisbank.com/lock-out-fraud/.
The initiative provides easy-to-understand, one-page educational resources designed to help consumers recognize common scams, understand warning signs, and take steps to protect themselves from fraud.

See our resources at: www.wisbank.com/lock-out-fraud/

08/19/2026

Build the home you've been dreaming about 🏠🔨

At Bluff View Bank, you get the personal service you deserve, with the big banking services you need.

I handle all your construction draws in-house, so you work directly with me and your contractor throughout the entire building process - no third party, no unnecessary hoops, just local lending from start to finish.

Let's turn your dream home into an address! 💚

08/04/2026

Proud to be part of Holmen National Night Out this evening! It’s a great opportunity to connect with our community and answer any home financing questions you may have. Be sure to stop by and say hello—I can’t wait to see you!

Holmen Police Department Bluff View Bank

07/28/2026

💡 Thinking about using your home equity to consolidate debt? You're not alone.

I've been receiving a lot of questions lately about debt consolidation through a mortgage refinance—and the answer is yes, it may be possible.

If you have high-interest credit card balances, personal loans, or other debt, refinancing your mortgage may allow you to leverage your home's equity to simplify your finances and potentially lower your overall monthly payments. Every situation is different, which is why it's important to review the numbers and explore your options before making any decisions.

If you've been wondering whether a debt consolidation refinance could work for you, I'd be happy to take a look at your unique situation and explain what's available. There's no one-size-fits-all solution, but together we can determine what makes the most financial sense for your goals.

📩 Send me a message or give me a call to schedule a personalized mortgage review. I'm here to answer your questions and help you make an informed decision.

07/20/2026

💡 **Did You Know?**

Many people are waiting for mortgage rates to "drop" before buying a home...

**But here's what many don't realize:**

🏡 You can refinance your interest rate later... but you can't go back and buy today's home at today's price.

In many markets, home values continue to appreciate over time. Waiting for the "perfect" rate could mean paying more for the same home later.

The right question isn't:
❌ "Is now the perfect time to buy?"

It's:
✅ "Does buying make sense for my financial goals right now?"

Every buyer's situation is different. Sometimes there are financing options that can help offset today's higher rates, including:
✔️ Seller-paid closing cost credits
✔️ First-time homebuyer and down payment assistance programs

My job isn't to push anyone into buying—it's to help you understand your options and create a strategy that works for **your** goals.

📩 If you're wondering whether buying now or waiting makes more sense, let's run the numbers together. A quick conversation could save you time, money, and uncertainty.

07/03/2026

Stay alert 🚨 Protect yourself 🛡️

🚨 Don't Fall for Online & Mobile Banking Scams. Stay Alert. 🚨


Scammers are constantly finding new ways to trick people into giving away personal and banking information. Some of the most common scams include:

✔️ Phishing emails that appear to come from trusted companies or financial institutions
✔️ Smishing (text message scams) with fake links or urgent requests
✔️ Phone scams (vishing) where fraudsters impersonate your bank or other trusted organizations
✔️ Fake websites or login pages designed to steal your username and password

Remember:
🔒 We'll never ask for your online banking password, verification codes, or full debit card PIN. No one should!
🔒 If something doesn't seem right, don't click any links or respond. Contact us directly using a trusted phone number or visit your local branch.

When in doubt, pause and verify before you act. A few extra moments can help protect your account and personal information.

Member FDIC

06/23/2026

06/19/2026

📸 Standing in front of the Holmen branch and feeling grateful to be part of a bank that's been serving our communities since 1883.

That's more than 140 years of community banking, local decision-making, and helping neighbors succeed.

Plus, every Friday at Bluff View Bank:
🍪 Freshly made cookies are available at all locations.
🍦 During June we swap the cookies for ice cream to celebrate June Dairy Days!

As a bank with deep agricultural roots, we love recognizing and supporting our local dairy farmers and the agriculture industry that helps our communities thrive.

If you're near Holmen, stop by and visit me—I’d love the chance to say hello and help with your banking needs.

🚜🥛🍦

06/12/2026

☕ House hunting this weekend?

Before you fall in love with the perfect home, let's make sure you're ready to make an offer with confidence.

As your local mortgage lender, I'm here to answer questions, discuss financing options, and help you navigate the homebuying journey.

🏠 Local Service. Real Answers. Home Loan Possibilities.

📲 Call or text me at 608-526-5524—I'd love to help!

06/10/2026

Welcome to my professional mortgage page!

👋 My name is Latonia Schmitt, and I've been helping individuals and families navigate the mortgage process for over 10 years. Whether you're buying your first home, moving to your next one, refinancing, or exploring investment opportunities, I'm passionate about helping clients find the right mortgage solutions for their unique goals.

This page will be a resource for:
🏡 Mortgage tips and education
💰 Financing options and special programs
📈 Market updates and industry insights
🔑 Homebuying and refinancing guidance
⭐ Success stories and client experiences

My goal is to make the mortgage process easier to understand and less stressful, while providing personalized service every step of the way.

If you're interested in homeownership, real estate, or simply want to stay informed about mortgage opportunities, I'd love for you to follow along and join the conversation.

🌟🌟 If we've worked together in the past, I would be honored if you would share your experience in the comments or leave a review. Your feedback not only means a great deal to me, but it also helps others feel confident that they can have the same positive experience when navigating their mortgage journey.

Thank you for being here. I look forward to connecting with you and helping you achieve your homeownership goals!