The Best Mortgage Lenders in Amherst Junction, WI
Compare verified mortgage lenders serving Amherst Junction, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Amherst Junction
Featured Mortgage Lenders
First Association Credit Union
First Association Credit Union
First Association Credit Union is a highly-rated local financial institution serving central Wisconsin, including Amherst Junction. With over 85 years of community banking experience, they offer personalized mortgage services with competitive rates and local decision-making. Their mortgage team provides comprehensive guidance through the entire home buying process, and they're known for exceptional customer service and deep community involvement throughout Portage and Marathon counties.
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Waterstone Mortgage
Waterstone Mortgage Corporation
Waterstone Mortgage is a Wisconsin-based mortgage lender with a strong statewide presence and excellent reputation. They serve Amherst Junction and surrounding communities with a wide range of mortgage products and competitive rates. As a direct lender, they control the entire lending process, which often results in faster closings and better communication. Their local loan officers understand the central Wisconsin market and provide personalized service with the backing of a established regional lender.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage has a strong presence throughout Wisconsin with local loan officers serving Amherst Junction and central Wisconsin. They're consistently rated among the top mortgage lenders nationally for customer satisfaction and offer competitive rates across all loan types. Their local team provides personalized service with extensive knowledge of the Amherst Junction area real estate market. They're particularly noted for their efficient processing and excellent communication throughout the mortgage process.
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Frequently Asked Questions
Common questions about mortgage lending in Amherst Junction, WI
Are there any local or county-specific first-time homebuyer assistance programs available in Amherst Junction?
Yes, Portage County, where Amherst Junction is located, offers the Portage County Housing Authority's First-Time Homebuyer Program. This program can provide down payment and closing cost assistance in the form of a deferred, forgivable loan. Eligibility is based on income and the purchase price of the home, which must be within county limits.
How do property taxes in Portage County impact my mortgage payments in Amherst Junction?
Portage County has a relatively moderate property tax rate compared to other parts of Wisconsin. Your lender will calculate an escrow payment as part of your monthly mortgage to cover these annual taxes. It's wise to review the exact tax assessment on any property you're considering, as rates can vary slightly between townships.
What types of properties are most common for mortgage lending in Amherst Junction, and does that affect loan options?
Amherst Junction features a mix of single-family homes, often on larger lots, and some manufactured homes. Financing for standard site-built homes is straightforward with conventional, FHA, or USDA loans. For manufactured homes, you'll need to ensure the home is permanently affixed to a foundation and meets specific age and condition requirements for most loan programs.
Is USDA Rural Development financing a good option for homes in Amherst Junction, Wisconsin?
Absolutely. Amherst Junction is located in an area that is almost certainly eligible for USDA Rural Development loans, which offer 100% financing (no down payment). This is a popular and advantageous program in this community, given its rural setting. You'll need to meet income eligibility requirements and purchase a home within the designated rural zone.
How does the appraisal process work in Amherst Junction's more rural market?
Appraisals in Amherst Junction can be more complex due to the rural setting and potentially fewer comparable recent sales ("comps"). An appraiser familiar with the area will evaluate the property, considering factors like well and septic systems (common instead of municipal water/sewer), land value, and the uniqueness of the home. This process is crucial for your lender to confirm the property's value.
Nearby Cities
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Why Choose a Mortgage Lender in Amherst Junction?
Local Market Knowledge
Lenders who understand Amherst Junction'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 Amherst Junction and get competitive rates on your home loan.