The Best Mortgage Lenders in Belleville, WI
Compare verified mortgage lenders serving Belleville, Wisconsin. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Belleville
Featured Mortgage Lenders
Chris Schumann
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is one of Wisconsin's top-rated mortgage lenders with extensive experience serving the Belleville area through their Madison branch. Chris Schumann and his team maintain exceptional 4.9-star ratings across multiple review platforms with particular recognition for their responsive communication and expertise with first-time homebuyer programs. As a nationally recognized lender with strong local presence, they offer competitive rates on all major loan types and are known for their educational approach that helps borrowers understand every step of the mortgage process.
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Dan St. Marie
Waterstone Mortgage
Waterstone Mortgage has built an outstanding reputation throughout southern Wisconsin with their Madison location serving Belleville residents effectively. Dan St. Marie and his team specialize in both purchase and refinance transactions with particular expertise in construction lending and VA loans. With over 20 years in business and consistent 4.8-star ratings, they're praised for their transparent pricing, efficient processing times, and personalized service approach. Their local underwriting authority allows for quicker decisions and smoother closings.
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Summit Credit Union Mortgage Department
Summit Credit Union
As one of southern Wisconsin's largest and most established credit unions, Summit Credit Union has been serving Belleville area homeowners for decades with their comprehensive mortgage programs. Their mortgage team maintains 4.7-star ratings for exceptional member service, highly competitive rates for members, and expertise with first-time homebuyer programs and unique property types. With local decision-making and in-house servicing, they provide a seamless mortgage experience from application through the life of the loan, plus the added benefit of relationship-based pricing for existing members.
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Frequently Asked Questions
Common questions about mortgage lending in Belleville, WI
What are typical mortgage rates for homebuyers in Belleville, WI, and how do they compare to state or national averages?
Mortgage rates in Belleville generally align with national averages but can be slightly influenced by local lender competition and Wisconsin's overall market. As a smaller community near Madison, you may find competitive rates from regional credit unions and community banks. It's wise to compare offers from both local institutions and larger national lenders to secure the best rate for your specific financial profile.
Are there any down payment assistance programs specifically for buyers in Belleville or Dane County?
While Belleville itself doesn't offer a city-specific program, homebuyers can access the statewide WHEDA (Wisconsin Housing and Economic Development Authority) Advantage program, which offers competitive rates and down payment assistance. Additionally, Dane County offers its own "HOMEbuyer Dane" program for income-eligible first-time buyers, which can provide up to $10,000 in down payment and closing cost assistance for a home in Belleville.
How does Belleville's location in a rural part of Dane County affect the mortgage process, like appraisals or loan types?
Belleville's semi-rural setting can influence appraisals, as appraisers may need to use comparable sales from a wider geographic area, which can sometimes be a challenge. For eligible properties outside the village limits, buyers might consider USDA Rural Development loans, which offer 100% financing with no down payment—a significant advantage for qualifying buyers in the surrounding township areas.
What should I know about property taxes in Belleville when calculating my total monthly mortgage payment?
Belleville, located in Dane County, has property tax rates that are generally competitive within the region but can be a significant part of your escrow payment. The 2023 mill rate for the Belleville Area School District was approximately $23.94 per $1,000 of assessed value. It's crucial to get an accurate estimate of taxes from the listing or local assessor's office, as they directly impact your debt-to-income ratio and overall affordability.
As a first-time homebuyer in Belleville, what local lenders are known for offering good guidance and products for the area?
Several local lenders are familiar with the Belleville market, including Capitol Bank (headquartered in nearby Middleton) and Badger Bank (with branches in surrounding communities). These local institutions often have deeper knowledge of property values in the area and may offer more personalized service. Additionally, the Belleville branch of Summit Credit Union is a strong resource for first-time buyers seeking educational resources and competitive loan products.
Nearby Cities
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Why Choose a Mortgage Lender in Belleville?
Local Market Knowledge
Lenders who understand Belleville'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 Belleville and get competitive rates on your home loan.