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Abrams, WI

The Best Mortgage Lenders in Abrams, WI

Compare verified mortgage lenders serving Abrams, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
720+
Reviews
11
Loan Types

Available Loan Programs in Abrams

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
First-time Homebuyer
Home Equity
Construction-to-Permanent
Lot Loans

Featured Mortgage Lenders

1

Nicolet National Bank Mortgage Team

Nicolet National Bank

★★★★☆
4.8/5

Nicolet National Bank is one of northeastern Wisconsin's most trusted regional banks with deep roots in the community. They have extensive experience serving rural communities like Abrams and offer personalized mortgage solutions with local decision-making. Their mortgage team provides competitive rates on all loan types including USDA loans which are particularly valuable for Abrams area residents. With multiple branches throughout Brown County and strong local presence, they understand the unique needs of rural Wisconsin homebuyers.

Experience:15 years
Reviews:185 customer reviews
111 N Washington Street, Green Bay, WI 54301

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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2

Associated Bank Mortgage Division

Associated Bank

★★★★☆
4.6/5

As one of Wisconsin's largest banks, Associated Bank has a strong presence throughout northeastern Wisconsin and specifically serves the Abrams area. They offer comprehensive mortgage services with local loan officers who understand the Oconto and Brown County markets. Their extensive branch network and digital capabilities make the mortgage process convenient for Abrams residents. They're particularly noted for their first-time homebuyer programs and competitive conventional loan rates, with many customers praising their responsive service and local expertise.

Experience:12 years
Reviews:320 customer reviews
200 North Adams Street, Green Bay, WI 54301

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinanceHome Equity
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3

Capital Credit Union Mortgage Department

Capital Credit Union

★★★★☆
4.7/5

Capital Credit Union has been serving northeastern Wisconsin communities for over 80 years and has specific expertise in rural properties common in the Abrams area. They offer exceptional rates for members and specialize in construction and lot loans, which are valuable for the growing Abrams community. Their mortgage team provides personalized service with local underwriting decisions, and they have particular strength with USDA rural development loans. Members consistently praise their low closing costs and the educational approach they take with first-time homebuyers in rural settings.

Experience:18 years
Reviews:215 customer reviews
1860 Capital Drive, De Pere, WI 54115

Loan Types:

ConventionalFHAVAUSDAConstruction-to-PermanentLot LoansRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Abrams, WI

Are there any special mortgage programs for first-time homebuyers in Abrams, WI?

Yes, the Wisconsin Housing and Economic Development Authority (WHEDA) offers several programs ideal for first-time buyers in Abrams, including low down payment options and competitive fixed-rate loans. These programs often have income and purchase price limits, which are very attainable for the Abrams area, and can include down payment assistance to help with upfront costs.

How do property taxes in Oconto County affect my mortgage payments in Abrams?

Oconto County property taxes are a significant component of your monthly escrow payment. The county's effective tax rate is moderately high compared to national averages, so lenders will calculate this into your debt-to-income ratio. It's crucial to get a clear estimate of the annual tax bill for any property you're considering, as this will directly impact your total monthly mortgage payment.

What is the typical down payment needed for a home in Abrams' market?

While 20% down is standard to avoid private mortgage insurance (PMI), many buyers in Abrams utilize conventional loans with 3-5% down or FHA loans with 3.5% down, especially given the area's relatively affordable home prices. Local lenders are familiar with financing properties in the village and can guide you on the best option for your budget.

Are USDA rural housing loans available for homes in Abrams, WI?

Yes, Abrams is eligible for USDA Section 502 Guaranteed Loans, which offer 100% financing (no down payment) for qualified buyers and properties. This is a major advantage for the area, as it allows eligible borrowers to purchase a home with zero down, provided the home meets USDA property guidelines and the buyer's income falls within the program limits for Oconto County.

How does the appraisal process work for a home in a small village like Abrams?

Appraisals in Abrams can be challenging due to fewer recent comparable sales ("comps") compared to urban areas. An appraiser will look at sales in Abrams and similar nearby communities like Lena or Pound. It's important to work with a lender experienced in rural markets who can ensure the appraiser has proper local knowledge to establish an accurate value for your unique property.

Nearby Cities

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Why Choose a Mortgage Lender in Abrams?

Local Market Knowledge

Lenders who understand Abrams's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Wisconsin.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Abrams and get competitive rates on your home loan.