Get Pre-Qualified for a Home Mortgage Loan in Wisconsin

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Loan Option Offerings

Conventional

3% Down

 

Simple. Standard. Our most popular loan option.

FHA

3.5% Down

 

Lower down payments and credit scores accepted.

Jumbo

10% Down

 

You could borrow up to $3M to make that dream a reality.

USDA

0% Down

 

Low income applicants can get 100% financing. Location Dependent.

VA

0% Down

 

Our way of saying thanks to our military and veterans. For those who serve or have served our country.

Conventional Loans

If you’re looking for monthly mortgage payments that stay the same throughout the course of your loan, then a 30-year fixed-rate Conventional mortgage is a great choice.

Conventional Loan Requirements: 

  • Purchase a primary residence with as little as 3% down
  • Credit scores as low as 620 may be accepted
Benefits and Details of a Conventional loan:
 
  • Consistent monthly payments based on principal, interest rate, and amortized interest over the life of the loan (monthly payments may include taxes and insurance)
  • Pay off your mortgage at any time without any prepayment penalties 
  • Refinance up to 95% of the value of your primary residence 
  • Loan terms can range from 10 to 30 years
  • Available for purchase, refinance, or cash-out refinance
  • Adjustable-rate mortgages (ARMs) also available
 

FHA Loans

FHA loans are government insured and come with flexible requirements. Borrowers can opt for the security of a fixed-rate FHA loan or the versatility of the 5/1 ARM.

FHA Loan Requirements: 

  • Buy a primary residence with as little as 3.5% down
  • Credit scores as low as 580 may be accepted
Benefits and Details of a FHA loan:
 
  • Generally easier to qualify for than Conventional loans
  • Rate/term refinance up to 97.75% of the  value of your primary residence
  • Make payments on your mortgage at any time without prepayment penalties
  • 15-, 20-, 25-, and 30-year fixed-rate terms and 5/1 ARMs available
 

Jumbo Loans

Big plans call for a big loan. If you need a loan amount higher than conforming conventional limits, a jumbo loan may be your best choice.

Jumbo Loan Requirements: 

  • Down payments as low as 10%
  • Credit scores as low as 660 may be accepted
Benefits and Details of a Jumbo loan:
 
  • Borrow up to $3M
  • Fixed options include 15-, 20-, and 30-year terms
  • ARMs and interest-only ARMs available
  • For primary residence, second home, or investment property
 

USDA Loans

USDA loans are designed to help give home buyers the opportunity to purchase safe and sanitary housing in eligible rural areas.

USDA Loan Requirements: 

  • Must meet the USDA’s regional income requirements
  • Available in areas designated and approved for rural housing by the USDA.
  • Credit scores as low as 580 may be accepted
  • Buyer must personally occupy the dwelling as primary residence
Benefits and Details of a USDA loan:
 
  • 0% down payment
  • Up to 100% loan to value
  • Borrowers with low to moderate income may qualify
  • Available for purchase, rate/term refinance, or streamline refinance
 

VA Loans

VA loans are guaranteed by the U.S. Department of Veterans Affairs and are designed to offer long-term financing to eligible active-duty military, veterans, and eligible surviving spouses.

VA Loan Requirements: 

  • Credit scores as low as 580 may be accepted
  • Credit scores as low as 600 may be accepted for manufactured housing
  • Must be current or former military personnel or surviving spouse of military personnel who did not remarry
  • Must not have had any loan defaults within the last year
  • Must not have declared bankruptcy within the last two years
Benefits and Details of a VA loan:
 
  • 0% down payment
  • No mortgage insurance required
  • 30-, 20-, or 15-year fixed-rate terms and 5/1 ARMs available
  • Refinance up to 100% of the value of your primary residence
  • VA streamline refinance (IRRRL) with no appraisal necessary and minimal documentation is available for current VA loan holders
 

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