The Best Mortgage Lenders in Athens, WI
Compare verified mortgage lenders serving Athens, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Athens
Featured Mortgage Lenders
Brian L. Smith
Forward Service Credit Union
Forward Service Credit Union stands out as one of central Wisconsin's most trusted mortgage lenders with deep roots in the community. While headquartered in Wausau, they actively serve the Athens area with personalized mortgage solutions. Their exceptional 4.8 rating reflects consistently outstanding customer service and competitive rates. As a member-owned financial cooperative, they prioritize member satisfaction over profits, offering comprehensive mortgage programs including specialized rural development loans perfect for the Athens market. Their experienced loan officers provide hands-on guidance through the entire home financing process.
Loan Types:
Mortgage Department
Waterstone Mortgage
Waterstone Mortgage has built a strong reputation throughout Wisconsin with their exceptional service and wide range of mortgage products. While based in Madison, they actively serve the central Wisconsin region including Athens. Their 4.7 rating demonstrates consistent customer satisfaction and reliability. They specialize in both purchase and refinance loans with particular expertise in rural property financing. The company is known for their transparent process, competitive rates, and knowledgeable loan officers who provide personalized attention to each client's unique financial situation.
Loan Types:
Mortgage Consultant
Wells Fargo Home Mortgage
Wells Fargo brings national lending power with local presence through their Wausau branch that serves the Athens area. With their extensive experience and comprehensive mortgage programs, they offer competitive rates and flexible terms. Their 4.6 rating reflects strong customer satisfaction across thousands of Wisconsin home loans. They provide digital mortgage tools alongside in-person service, making the process convenient for rural customers. Wells Fargo's long-standing presence in Wisconsin and wide range of loan options make them a reliable choice for Athens residents seeking both conventional and government-backed mortgages.
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Frequently Asked Questions
Common questions about mortgage lending in Athens, WI
What are the current mortgage rates like in Athens, WI, and how do they compare to state or national averages?
Mortgage rates in Athens, WI, typically align closely with national averages, but local lenders may offer competitive terms. As a rural community, rates can sometimes be slightly more favorable due to lower perceived risk in stable markets. It's always best to get quotes from both local credit unions, like CoVantage Credit Union, and larger national lenders to compare.
Are there any down payment assistance or first-time homebuyer programs specifically available for Athens, WI, residents?
Yes, Athens homebuyers can access statewide Wisconsin programs like WHEDA (Wisconsin Housing and Economic Development Authority) loans, which offer competitive rates, down payment assistance, and education for first-time buyers. Additionally, local lenders may have specific programs or grants for buyers in Marathon County, making homeownership more accessible in this area.
How does the appraisal process work in Athens, given its rural setting and mix of agricultural and residential properties?
Appraisals in Athens require appraisers familiar with rural properties, as valuations must account for well and septic systems, land acreage, and property use (like hobby farms). Comparable sales ("comps") may come from a wider geographic area, including nearby towns like Abbotsford or Edgar, which can sometimes make the appraisal process more nuanced than in urban areas.
What should I know about property taxes and insurance when calculating my monthly mortgage payment in Athens?
Property taxes in Athens are based on Marathon County and the Athens School District rates, which are generally moderate compared to urban Wisconsin. Homeowners insurance should include coverage for seasonal risks like heavy snow loads and may require additional riders for outbuildings if you purchase a property with a barn or workshop, affecting your total escrow payment.
Are USDA Rural Development loans a common and viable option for mortgages in Athens, WI?
Absolutely. Given Athens' designation as a rural area, USDA loans are a popular and advantageous option here. They offer 100% financing (no down payment) for eligible buyers with moderate incomes, making them ideal for many first-time and repeat buyers looking at properties just outside the village limits or in the surrounding township.
Why Choose a Mortgage Lender in Athens?
Local Market Knowledge
Lenders who understand Athens'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 Athens and get competitive rates on your home loan.